We don't have a ton of money but we do not use credit cards and we have no debt. So thankful for that by meredith
meredith
meredith We don't have a ton of money but we do not use credit cards and we have no debt. So thankful for that
Wedding
Looking to save money but don't want to hurt anyone's feelings? 10 Things to Say Instead of "I'm Broke." You can still have a frugal life without needing to tell anyone that you have no money. Not everyone knows that saving money, getting out of debt, and living a frugal life are sometimes hard work! by Laura L
Laura L
Laura L Looking to save money but don't want to hurt anyone's feelings? 10 Things to Say Instead of "I'm Broke." You can still have a frugal life without needing to tell anyone that you have no money. Not everyone knows that saving money, getting out of debt, and living a frugal life are sometimes hard work!
Favorites
Do you want to get out of debt? To start saving money so that you don't have to worry about living paycheck to paycheck? I know exactly how you feel when it comes to managing your finances! Come and learn how we saved over $500,000 in 5 years via finsavvypanda.com! This is a game changer! saving money tips | increasing income tips | personal finance tips | investing for beginners by deanne
deanne
deanne Do you want to get out of debt? To start saving money so that you don't have to worry about living paycheck to paycheck? I know exactly how you feel when it comes to managing your finances! Come and learn how we saved over $500,000 in 5 years via finsavvypanda.com! This is a game changer! saving money tips | increasing income tips | personal finance tips | investing for beginners
DIY Present Ideas
"I was born with an ability, with music in me, that is all. No special credit was due me.The only credit we claim is for the use we make of the talent that we are given.That is why I urge young musicians: Don't be vain because you happen to have talent. You are not responsible for that; it was not of your own doing.What you do with your talent is what matters. You must cherish this gift. Do not demean or waste what you have been given. Work - work constantly and nourish it." Pablo Casals by lucinda
lucinda
lucinda "I was born with an ability, with music in me, that is all. No special credit was due me.The only credit we claim is for the use we make of the talent that we are given.That is why I urge young musicians: Don't be vain because you happen to have talent. You are not responsible for that; it was not of your own doing.What you do with your talent is what matters. You must cherish this gift. Do not demean or waste what you have been given. Work - work constantly and nourish it." Pablo Casals
favorite movies
THIS IS WORTH KEEPING AND READING FREQUENTLY!!!!!!!!!!!!!!!!!! Written by a 90 Year Old..... This is something we should all read at least once a week!!!!! Make sure you read to the end!!!!!! Written by Regina Brett, 90 years old, of the Plain Dealer, Cleveland , Ohio . "To celebrate growing older, I once wrote the 45 lessons life taught me. It is the most requested column I've ever written. My odometer rolled over to 90 in August, so here is the column once more: 1. Life isn't fair, but it's still good.. 2. When in doubt, just take the next small step. 3. Life is too short to waste time hating anyone. 4. Your job won't take care of you when you are sick. Your friends and parents will. Stay in touch. 5. Pay off your credit cards every month. 6. You don't have to win every argument. Agree to disagree. 7. Cry with someone. It's more healing than crying alone. 8. It's OK to get angry with God. He can take it. 9. Save for retirement starting with your first paycheck. 10. When it comes to chocolate, resistance is futile. 11. Make peace with your past so it won't screw up the present. 12. It's OK to let your children see you cry. 13. Don't compare your life to others. You have no idea what their journey is all about. 14. If a relationship has to be a secret, you shouldn't be in it. 15. Everything can change in the blink of an eye. But don't worry; God never blinks. 16. Take a deep breath It calms the mind. 17. Get rid of anything that isn't useful, beautiful or joyful. 18. Whatever doesn't kill you really does make you stronger. 19. It's never too late to have a happy childhood. But the second one is up to you and no one else. 20. When it comes to going after what you love in life, don't take no for an answer. 21. Burn the candles, use the nice sheets, wear the fancy lingerie. Don't save it for a special occasion. Today is special. 22. Over prepare, then go with the flow. 23. Be eccentric now. Don't wait for old age to wear purple. 24. The most important sex organ is the brain. 25. No one is in charge of your happiness but you. 26. Frame every so-called disaster with these words :'In five years, will this matter?' 27. Always choose life.. 28. Forgive everyone everything. 29. What other people think of you is none of your business. 30. Time heals almost everything. Give time time. 31. However good or bad a situation is, it will change. 32. Don't take yourself so seriously. No one else does. 33. Believe in miracles. 34. God loves you because of who God is, not because of anything you did or didn't do. 35. Don't audit life.. Show up and make the most of it now. 36. Growing old beats the alternative -- dying young. 37. Your children get only one childhood. 38. All that truly matters in the end is that you loved. 39. Get outside every day. Miracles are waiting everywhere. 40. If we all threw our problems in a pile and saw everyone else's, we'd grab ours back. 41. Envy is a waste of time. You already have all you need. 42. The best is yet to come... 43. No matter how you feel, get up, dress up and show up. 44. Yield. 45. Life isn't tied with a bow, but it's still a gift." by eluthrea
eluthrea
eluthrea THIS IS WORTH KEEPING AND READING FREQUENTLY!!!!!!!!!!!!!!!!!! Written by a 90 Year Old..... This is something we should all read at least once a week!!!!! Make sure you read to the end!!!!!! Written by Regina Brett, 90 years old, of the Plain Dealer, Cleveland , Ohio . "To celebrate growing older, I once wrote the 45 lessons life taught me. It is the most requested column I've ever written. My odometer rolled over to 90 in August, so here is the column once more: 1. Life isn't fair, but it's still good.. 2. When in doubt, just take the next small step. 3. Life is too short to waste time hating anyone. 4. Your job won't take care of you when you are sick. Your friends and parents will. Stay in touch. 5. Pay off your credit cards every month. 6. You don't have to win every argument. Agree to disagree. 7. Cry with someone. It's more healing than crying alone. 8. It's OK to get angry with God. He can take it. 9. Save for retirement starting with your first paycheck. 10. When it comes to chocolate, resistance is futile. 11. Make peace with your past so it won't screw up the present. 12. It's OK to let your children see you cry. 13. Don't compare your life to others. You have no idea what their journey is all about. 14. If a relationship has to be a secret, you shouldn't be in it. 15. Everything can change in the blink of an eye. But don't worry; God never blinks. 16. Take a deep breath It calms the mind. 17. Get rid of anything that isn't useful, beautiful or joyful. 18. Whatever doesn't kill you really does make you stronger. 19. It's never too late to have a happy childhood. But the second one is up to you and no one else. 20. When it comes to going after what you love in life, don't take no for an answer. 21. Burn the candles, use the nice sheets, wear the fancy lingerie. Don't save it for a special occasion. Today is special. 22. Over prepare, then go with the flow. 23. Be eccentric now. Don't wait for old age to wear purple. 24. The most important sex organ is the brain. 25. No one is in charge of your happiness but you. 26. Frame every so-called disaster with these words :'In five years, will this matter?' 27. Always choose life.. 28. Forgive everyone everything. 29. What other people think of you is none of your business. 30. Time heals almost everything. Give time time. 31. However good or bad a situation is, it will change. 32. Don't take yourself so seriously. No one else does. 33. Believe in miracles. 34. God loves you because of who God is, not because of anything you did or didn't do. 35. Don't audit life.. Show up and make the most of it now. 36. Growing old beats the alternative -- dying young. 37. Your children get only one childhood. 38. All that truly matters in the end is that you loved. 39. Get outside every day. Miracles are waiting everywhere. 40. If we all threw our problems in a pile and saw everyone else's, we'd grab ours back. 41. Envy is a waste of time. You already have all you need. 42. The best is yet to come... 43. No matter how you feel, get up, dress up and show up. 44. Yield. 45. Life isn't tied with a bow, but it's still a gift."
spirit
Need help answering the question “How can I fix my credit score now?” Whether you are having debt payoff issues (i.e. substantial credit card debt balance), failing to pay bills on time, lack a credit history or have other money problems that have negatively impacted your credit score, here you’ll find helpful advice to improve your credit score. Credit repair is no easy feat, but it can be achieved with time and hard work. Getting frustrated with your credit score is not a solution, but impleme by gale
gale
gale Need help answering the question “How can I fix my credit score now?” Whether you are having debt payoff issues (i.e. substantial credit card debt balance), failing to pay bills on time, lack a credit history or have other money problems that have negatively impacted your credit score, here you’ll find helpful advice to improve your credit score. Credit repair is no easy feat, but it can be achieved with time and hard work. Getting frustrated with your credit score is not a solution, but impleme
Favorites
More Tips for Saving Money and Setting a Budget. How we climbed out of $20,000 in credit card debt! by elvira
elvira
elvira More Tips for Saving Money and Setting a Budget. How we climbed out of $20,000 in credit card debt!
house and home
More Tips for Saving Money and Setting a Budget. How we climbed out of $20,000 IN CREDIT CARD DEBT!!! by elvira
elvira
elvira More Tips for Saving Money and Setting a Budget. How we climbed out of $20,000 IN CREDIT CARD DEBT!!!
house and home
...And I am thankful everyday for my life. It could all be gone tomorrow, but atleast I know that i enjoyed every minute of it, instead of worrying about what's "mine" and what's not. WHO CARES!? Enjoy everything!!! BE A GLUTTON FOR LIFE, LOVE, AND HAPPINESS. Why sit back and cry about everything you don't have, or don't do... I'd rather spend my time enjoying what i do have. by Gloria Garcia
Gloria Garcia
Gloria Garcia ...And I am thankful everyday for my life. It could all be gone tomorrow, but atleast I know that i enjoyed every minute of it, instead of worrying about what's "mine" and what's not. WHO CARES!? Enjoy everything!!! BE A GLUTTON FOR LIFE, LOVE, AND HAPPINESS. Why sit back and cry about everything you don't have, or don't do... I'd rather spend my time enjoying what i do have.
save
Budget Like a Pro! -- Eight Budget Basics #2 is so important.... WHY DO YOU NEED A BUDGET?  Do you use a credit card every month to make ends meet?  Do you have some debt you’d like to pay off?  Are you saving up for that dream family vacation?  Are you tired of living paycheck to paycheck?  Do you wonder where your money goes?  Are you saving up for a down payment on a home? WHATEVER YOUR REASON FOR NEEDING TO MAKE A BUDGET, IDENTIFY YOUR END GOAL. by Maiden11976
Maiden11976
Maiden11976 Budget Like a Pro! -- Eight Budget Basics #2 is so important.... WHY DO YOU NEED A BUDGET? Do you use a credit card every month to make ends meet? Do you have some debt you’d like to pay off? Are you saving up for that dream family vacation? Are you tired of living paycheck to paycheck? Do you wonder where your money goes? Are you saving up for a down payment on a home? WHATEVER YOUR REASON FOR NEEDING TO MAKE A BUDGET, IDENTIFY YOUR END GOAL.
Favorites
Millionaire politicians typically do represent the interests of the rich and NOT of "We the People".  Too bad they don't have the integrity to use their own money for their re-elections. by meredith
meredith
meredith Millionaire politicians typically do represent the interests of the rich and NOT of "We the People". Too bad they don't have the integrity to use their own money for their re-elections.
Wedding
I don't know how they do this, but you've got to have a TON of long, thick hair. So pretty! by sara
sara
sara I don't know how they do this, but you've got to have a TON of long, thick hair. So pretty!
Artful Inspiration
RULES Yes these can be used for adoptables No, you don't have to credit if you're referencing a pose Yes, you can genderbend No, you can not make a base edit of one of the bases (editing it so that... by melisa
melisa
melisa RULES Yes these can be used for adoptables No, you don't have to credit if you're referencing a pose Yes, you can genderbend No, you can not make a base edit of one of the bases (editing it so that...
Favorites
Language is all about communication, but sometimes we don't have the right word to describe something we're doing or experiencing, so we have to explain it in more complex terms. The people over at BuzzFeed have put together these cool infographics for 16 Japanese words that have no single equivalent word in English, but that we could really do with a word for! Awesome! by aisha
aisha
aisha Language is all about communication, but sometimes we don't have the right word to describe something we're doing or experiencing, so we have to explain it in more complex terms. The people over at BuzzFeed have put together these cool infographics for 16 Japanese words that have no single equivalent word in English, but that we could really do with a word for! Awesome!
Favorites
Zachary was born at 23 weeks 6 days, weighing 1 lb 9 oz and 12 inches long.  He had a very long and sickness filled NICU stay, but we were so blessed that he survived, a few times we thought we were going to loose him, and he proved everyone wrong.  We are so thankful to the March of Dimes for the research they do, without ti Zach would not be here today. by janie
janie
janie Zachary was born at 23 weeks 6 days, weighing 1 lb 9 oz and 12 inches long. He had a very long and sickness filled NICU stay, but we were so blessed that he survived, a few times we thought we were going to loose him, and he proved everyone wrong. We are so thankful to the March of Dimes for the research they do, without ti Zach would not be here today.
Favorites
Slytherin is not the house of the evil. We are the house of the cunning and determined. We are the kids that everybody assumes to be the bad eggs. We are just as intelligent and wise as a Ravenclaw. We are just as Caring and certainly as loyal as a Hufflepuff. We are as brave and courageous as Gryffindor. We are Slytherin. We break rules and we may be mean, in the end we are there for each other and we will not be forgotten. But do not for a second, think we don't have an evil side as well. by sheree
sheree
sheree Slytherin is not the house of the evil. We are the house of the cunning and determined. We are the kids that everybody assumes to be the bad eggs. We are just as intelligent and wise as a Ravenclaw. We are just as Caring and certainly as loyal as a Hufflepuff. We are as brave and courageous as Gryffindor. We are Slytherin. We break rules and we may be mean, in the end we are there for each other and we will not be forgotten. But do not for a second, think we don't have an evil side as well.
Favorites
How to use pinterest to save a ton of money. If you use it right, Pinterest is HUGE for saving money! **This is so smart! Why didn't I think of that! They have the top 25 frugal living or money saving pinners listed here to follow. My feed has a ton of really smart money saving tips in it now. by darcy
darcy
darcy How to use pinterest to save a ton of money. If you use it right, Pinterest is HUGE for saving money! **This is so smart! Why didn't I think of that! They have the top 25 frugal living or money saving pinners listed here to follow. My feed has a ton of really smart money saving tips in it now.
Craft ideas for the Boys
Are you looking for ways to get out of debt fast? Are those credit cards and student loans making you broke? No fret! Read more for my 9 guaranteed ways to get out of debt fast so that you can reach financial freedom! Grab my free budget printable that will help you keep track of your debt-free journey via finsavvypanda.com. #getoutofdebt #debt #creditcard #savemoney #savingmoney #personalfinance by patrica
patrica
patrica Are you looking for ways to get out of debt fast? Are those credit cards and student loans making you broke? No fret! Read more for my 9 guaranteed ways to get out of debt fast so that you can reach financial freedom! Grab my free budget printable that will help you keep track of your debt-free journey via finsavvypanda.com. #getoutofdebt #debt #creditcard #savemoney #savingmoney #personalfinance
home inspirations
Are you trying to pay down debt but you’re not getting anywhere? Consider using the debt snowball system to get rid of your debt for good. Here's how it works and also a list of Debt Snowball Calculators that you can use. by keisha
keisha
keisha Are you trying to pay down debt but you’re not getting anywhere? Consider using the debt snowball system to get rid of your debt for good. Here's how it works and also a list of Debt Snowball Calculators that you can use.
Random Stuff
Are you trying to pay down debt but you’re not getting anywhere? Consider using the debt snowball system to get rid of your debt for good. Here's how it works and also a list of Debt Snowball Calculators that you can use. by keisha
keisha
keisha Are you trying to pay down debt but you’re not getting anywhere? Consider using the debt snowball system to get rid of your debt for good. Here's how it works and also a list of Debt Snowball Calculators that you can use.
Random Stuff
Theme for life. I have spent a lot of time kicking myself for hurt I caused but at some point letting go is all the power we have so I let go of those who said they love no matter what, they don't and I can't own that so this Monday I say good-bye! I will love forever from a distance. by tabby7cat by liz
liz
liz Theme for life. I have spent a lot of time kicking myself for hurt I caused but at some point letting go is all the power we have so I let go of those who said they love no matter what, they don't and I can't own that so this Monday I say good-bye! I will love forever from a distance. by tabby7cat
Body positive
The Lord is so faithful to speak to us. Heard a great message tonight on TRUST. Blessed (happy) is the person who's trust is in ... Not in money, or that job, or that person or relationship... But who's trust is in the Lord. May we put our hope and assurance in its rightful place... In HIM. He will not fail us. Thankful for Christ's faithfulness to us and that we can rest well tonight because He's in control! by carmella
carmella
carmella The Lord is so faithful to speak to us. Heard a great message tonight on TRUST. Blessed (happy) is the person who's trust is in ... Not in money, or that job, or that person or relationship... But who's trust is in the Lord. May we put our hope and assurance in its rightful place... In HIM. He will not fail us. Thankful for Christ's faithfulness to us and that we can rest well tonight because He's in control!
Favorites
So for those of you who do wire wrapping and have cabochons (no holes) you don't know how to use, here's something to do with them. by lakisha
lakisha
lakisha So for those of you who do wire wrapping and have cabochons (no holes) you don't know how to use, here's something to do with them.
Favorites
neat rewards system...31 quarters in the jar at the beginning of the month, every day that they do not do their chores, they lose a quarter. Whatever is left at the end of the month they exchange for cash and the quarter jar is refilled. We decided not to do "allowance" for chores, but rather teach chores/responsibilities as how they contribute to our family. If they don't contribute, they don't have privileges. by bernadette
bernadette
bernadette neat rewards system...31 quarters in the jar at the beginning of the month, every day that they do not do their chores, they lose a quarter. Whatever is left at the end of the month they exchange for cash and the quarter jar is refilled. We decided not to do "allowance" for chores, but rather teach chores/responsibilities as how they contribute to our family. If they don't contribute, they don't have privileges.
Kiddos
yesss lord of the rings:  “I wish it need not have happened in my time," said Frodo. "So do I," said Gandalf, "and so do all who live to see such times. But that is not for them to decide. All we have to decide is what to do with the time that is given us.” by Olive Oyl
Olive Oyl
Olive Oyl yesss lord of the rings: “I wish it need not have happened in my time," said Frodo. "So do I," said Gandalf, "and so do all who live to see such times. But that is not for them to decide. All we have to decide is what to do with the time that is given us.”
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We seldom use any tongue but our own; for we dwell now in the heart of the forest, and do not willingly have dealings with any other folk. by christie
christie
christie We seldom use any tongue but our own; for we dwell now in the heart of the forest, and do not willingly have dealings with any other folk.
Favorites
I have so many cheap vases that I don't have a use for, have to do this and make them pretty. by lula
lula
lula I have so many cheap vases that I don't have a use for, have to do this and make them pretty.
Kid Projects
We tend to forget that happiness doesn't come as a result of getting something we don't have, but of appreciating what we do have. by Share Inspire Quotes
Share Inspire Quotes
Share Inspire Quotes We tend to forget that happiness doesn't come as a result of getting something we don't have, but of appreciating what we do have.
Quotes
It's the time of year when everyone goes pumpkin crazy. I'm honestly surprised they don't have a pumpkin aisle in Trader Joe's because they must have released 45 pumpkin flavored things this year. Don't get me wrong, I like pumpkin, but that's like whoa. Not kidding that I saw pumpkin spice chicken sausage at the supermarket this week. THAT SOUNDS SO BAD. We've taken it too far. Let's just save the pumpkin for baked goods and coffee, okay? Can we be decent and do that? With pumpkin get... by Divonsir Borges
Divonsir Borges
Divonsir Borges It's the time of year when everyone goes pumpkin crazy. I'm honestly surprised they don't have a pumpkin aisle in Trader Joe's because they must have released 45 pumpkin flavored things this year. Don't get me wrong, I like pumpkin, but that's like whoa. Not kidding that I saw pumpkin spice chicken sausage at the supermarket this week. THAT SOUNDS SO BAD. We've taken it too far. Let's just save the pumpkin for baked goods and coffee, okay? Can we be decent and do that? With pumpkin get...
DIVINA MEZA
Do you make an End of the Year slideshow for your class?? I’ve been making one for about eight years now. I used to do a paper scrapbook for each kiddo, but man, that was a TON of work and so, so expensive!!! To make a slideshow, all you have to do is buy a … by rosebud2
rosebud2
rosebud2 Do you make an End of the Year slideshow for your class?? I’ve been making one for about eight years now. I used to do a paper scrapbook for each kiddo, but man, that was a TON of work and so, so expensive!!! To make a slideshow, all you have to do is buy a …
craftiness
Porch Ideas... Lattice screens for privacy. Not that we have a porch, but just in case we ever do. by latasha
latasha
latasha Porch Ideas... Lattice screens for privacy. Not that we have a porch, but just in case we ever do.
Storage and organization