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News :Family Money Saving


Family Money Saving Tips
By Sara Sachxe

Every family should have a budget, no matter what their financial status is. A budget tells you exactly how much your have coming in, and how much goes out on a monthly basis for the absolute necessities like housing, food, utilities, insurance, transportation and health care. But what about the future?




That's another place where a budget comes in handy. When you've allotted a portion of the household's weekly income to the necessities, what's left over is your discretionary spending amount. These are the funds available to you for short-term expenses, or long-term investments, like your children'! s education, and your own retirement funds.

When the children are growing and requiring more in the way of expenditures, there might not be a lot left over. But even 5% of your income can be a healthy start on an education fund. Extras like bonuses or perhaps half the amount of a raise, will make those future savings grow. Since they aren't in the budget to start with, they won't be missed, and you'll still have a portion of the unexpected income to add to your regular budget.

Consider financial counseling at your banking institution, or from a professional. They are often the best sources for learning how to get the most out of the dollars you have to save, and the most out of the future benefits they are going to earn for you. One of the most important money saving activities for any family is to avoid debt. There is nothing more detrimental to your families financial health than a bunch of debt that accrues interest payments every month.

! Take the steps to become debt free and see your available cash! soar.
You can learn more about managing your family at: http://www.realclevermoms.com/ and learn about meal planning and how it can save your family even more money.
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hot film actress A 30 Day Crusade Against Smoking - Day 6 - Bus Stop


Bans on public smoking are spreading throughout the world. That suits Eric who is a lifelong non-smoker, nay, ANTI-smoker. For 30 days he will change the world and the habits of current smokers.

Day 6:

Well, the first 5 days of my plan have passed – I have targ! eted smokers in a number of different ways. I still have the scars to show you but I remain undaunted by this. After years of intimidation and bodily abuse, I am to free my world of smokers and their effects on me,

It's not easy. I was at the bus stop today. The buses around here are all non smoking. That is a good thing, but it means that smokers light up in the bus shelter whilst they are waiting for their transport. As it was chucking it down with rain, I wanted to be in the dry of the shelter. But the putrid air meant that I was better off outside. Better to be wet than dead, I thought, although pneumonia can take you off just like that sometimes (especially with my weakened lungs from all the passive smoking over the years).

So, I decided to hatch a plan that would allow these smokers to sm! oke in the bus shelter to their heart's content. Within minute! s, I had summoned up a JCB, a group of hardy bricklayers and a glazier. Before long, footings had been dug and a 6 foot high wall built around the bus shelter, enclosing all the smokers. A "one way" door and a sign "smokers: this way" allows people to enter but not leave. Windows are provided as a charitable act because even smokers have needs.

There's my bus now.

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Fendi is an Italian brand name that has been around for over one hundred years. Every fashionista is sure to love a great handbag. Fendi bags are stylish, beautiful and high quality items that will last forever. To ensure quality and consistency many people purchase these at full price. However, the bags are often only available in limited qualities and they can be difficult to come by. As a result, some pe! ople choose to buy their Fendi handbags at a discount, rent them, or even consider a replica bag.

The brand name is a staple in the world of Italian fashion and design. The company was started over one hundred years ago by a husband and wife design team. The couple started with designing and making fine leather goods and fur items. Their business soon took off and their items were in demand around Italy.

In the 1980s Fendi began to appear in the United States. The brand name made its presence known in New York and Los Angeles, before moving across the country. Today, bags bearing this name are available across the country and the world. However, today this brand does not only make leather handbags. The company is also popular for their amazing fragrances, shoes, coats, and dresses.

Each season the house offers a new collection of items for sale to the public. These items include handbags, fragrances, shoes, coats and dresses. New collections are often only available in limited quantities. These limited quantities leave fashion lovers wanting more. In fact many stylish women find themselves sitting on waiting lists for the latest styles of handbags and apparel.

Since any couture-designed handbag can have an expensive price range of several hundred to several thousands of dollars, it is obvious that not everyone can afford to own one. For those of us that cannot afford to own an authentic anything, there are other options. One of the most popular options is renting a bag. New businesses are popping up every day that offer luxury handbag rentals.

If renting is not an o! ption, some people choose to buy a faux bag. Fake handbags can actually look a lot like the real thing. Just because a bag is a fake, it does not mean that it will look cheap. Some fake bags are made from high quality materials. Buying a fake designer bag is a wonderful option for people that desire the look of a brand name without the large price tag.

For the fashion lover that does not want a fake and cannot bear to give a rented bag back, real ones can be found at a discount. Older bags can be found on Internet auction Websites and discount stores. In fact, some specialty stores even offer last season's bags at a discount. The trick is to get in touch with the store as soon as the new collection is ready for resale. The few lucky ones will walk away with an older bag that is brand new, and at a great price.

By Anne Clarke


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