Here is an excellent overview on sunscreen, to help ward off melanoma and other forms of skin cancer.
Best Bargains: May
Here are some ideas on the best ways to save money in May:
Are you ready for picnics and barbecues? May is the time to eat outdoors. After all, the weather is beautiful and there are all kinds of outdoor activities to take part in.
You’ll find plenty of bargains at the grocery store this month for all those cookouts!
Look for sales on these foods:
• Bottled water
• Carbonated beverages
• Hamburger
• Hot dogs
• Buns for hamburgers and hotdogs
• Chips
• Condiments like mustard, ketchup and relish
• Frozen pies
• Ice cream
• Frozen novelty treats
If you’re after a new refrigerator or vacuum cleaner, May would be the month to replace those 2 items as the prices will be right.
Some summer-related items will also be on sale, like:
• Napkins
• Paper plates
• Disposable cups
• Charcoal
• Charcoal fluid
• Pots and pans for cooking
• Outdoor furniture
Plan to have the best summer you’ve ever had this year.
Stock up on all these foods and nonfood items to last you until fall arrives. You’ll make your dollars go further and have plenty to eat all summer long!
Make the Most of your Money in May
Here is a calendar of things that can help you focus on your finances this month.
1-31 National Mental Health Month. This month-long observance encourages greater understanding of mental health. Reducing your stress levels helps your mental health, so keep your finances under control so they don’t cause you excess stress.
5 Cinco de Mayo. Although this celebration is a national holiday in Mexico, people in the US also celebrate the Battle of Puebla in 1862. Why not cook up your Mexican feast at home to save a few bucks?
8 National Teachers’ Day. This holiday commemorates the importance of teachers in all of our lives. Talk with your kids about how they want to celebrate their hard-working teachers. Then, assume the financial teacher role and talk with your kids about smartly managing their allowance. Useful money habits are best learned at home.
12 International Nurses Day. Give these wonderful workers the due they deserve. If you’ve got a nurse in your family, give her a savings bond to help her on the road to financial success.
13 Mothers’ Day. Have a special celebration for your mother today. While you’re visiting, talk with her about how her retirement planning is progressing. If she’s already retired, find out some tips about how to prepare for your own retirement.
19 Armed Forces Day. Honor the armed forces today. If you have family members in the armed forces, give a share of stock for their dedication to our country.
22 National Maritime Day. This day is designated to celebrate merchant mariners, who transport cargo and passengers safely in the waters of the US. Why not “transport” an extra $100 to the bank this month in their honor?
28 Memorial Day. This US holiday commemorates all the American women and men that have died serving their country. Why not spend time with those you love today? Enjoy a money-saving picnic in the park with friends and family.
31 World No Tobacco Day. This world holiday encourages people to educate themselves about the health consequences of tobacco use. If you smoke, take time today to figure out how much money you spend in a month for cigarettes. If you don’t smoke, good for you—you’re already saving money!
Book Review: A Beginner’s Guide to Buying Life Insurance
This is a really easy-to-use life-insurance guidebook which can help you plan for the unthinkable, and also learn how to use life insurance as a means of financial planning for your family. You might think you know all about life insurance, but in fact, there are several different kinds, some of which can actually be used as an investment to improve your family’s financial future, so that you can enjoy your later years if you do not actually pass away, but live until a ripe old age.
For others families with a large number of assets, they might decide upon a different type of policy in order to protect their hard-earned money from estate taxes and thus leave a larger legacy to their loved ones.
We appreciated the way that the author, Jim Franklin, laid out the differences between the policies really clearly. We also loved the little extra guide book provided for us to be able to download and print out to use when we were talking to our own Chartered Life Underwriter about the kind/s of policies that suited our personal life insurance goals. Reading books on a Kindle and other e-reader can be really handy, but we appreciate the time and effort the author and publishers took to provide this additional valuable PDF for us to download from a special supporting page they gave access to at their website through the ebook.
This handy guide will help answer your most important questions about life insurance, make your own calculations as to what you really need, and generally give you detailed information that will help you make informed decisions about what kind of life insurance. It also gives handy advice on the pros and cons of each type of insurance, and how to deal with the question of insurance pay outs.
Life insurance is certainly not cheap, but the authors give you an invaluable overview to help you understand exactly what you are buying, and why, and helps clarify your financial goals for your family, and the best ways to meet them, regardless of whether you are still alive, or have passed away.
We certainly hope we will all be here for many years to come, but this guide can help you plan for the best and prepare for the worst scenarios, and give you peace of mind knowing your loved ones will be taken care of in the event of you suddenly no longer being in the picture.
If you want to compare policies, watch out for insurance purchasing pitfalls, and use your life insurance as smart investment vehicle, this guide can help you with all of these goals.
Buy Now: A Beginner’s Guide to Buying Life Insurance (Money Matters)
Setting a Realistic Wedding Budget
You have dreamed about your wedding day since you were a child. You might have envisioned fairy tale dresses, plush limousines, hundreds of your closest friends and family members, and dancing until dawn. After all, this is your special day and you want to give your new life the best start you can.
Now that it’s approaching, however, reality is setting in. You know you deserve all of your dreams, but perhaps you’re not sure just how you are going to pay for them all. You could max out your credit cards, but starting your married life deeply in debt doesn’t sound very romantic.
Therefore, it is time to come back down to Earth and start to set your wedding budget, and set your sights on items for your wedding that you can afford.
Setting a realistic wedding budget doesn’t mean you need to forget the fairy tale. It simply means you need to prioritize and plan how you will spend your money. That way you will be able to afford the things that are most important to you. And you will be able to start your married life without unnecessary, burdensome debt.
Begin setting your budget by setting your priorities. You have a vision of what you want your wedding to look like. But it’s time to take a more realistic approach. Decide which of the items you want to include are must haves, which are optional, and which would just be nice to have, but you could do without if you needed to.
Determine how much you can spend. How much money do you have saved for your wedding? How much will you be able to save before the big day? It’s important to be honest about how much you really can afford. That will help you avoid a lot of problems and conflicts as you plan your wedding, and ensure that you don’t create additional stress by running out of money too soon.
Decide how much you will spend on each area. Now that you know your priorities, and you know how much you have to spend, you can decide how much money you will spend on each area of your wedding. One way to organize this is to create a notebook sheet for each expense, such as dress, flowers, invitations, and write down your budget for that area.
Budget for the unexpected. As carefully as you plan, you may still have some unexpected expenses. If you overspend in one area, remember you’ll have to make up for it by spending less on something else.
Be creative. There are many ways you can cut down on the high cost of a beautiful wedding. Perhaps you can make your invitations so you can spend more money on your wedding dress. Do you have a friend who loves to cook for a crowd? Maybe she would like to help prepare the wedding feast. You can even rent your wedding dress, if you need to cut down in that area and spend more on others.
Setting a realistic wedding budget doesn’t mean you can’t have the wedding you always dreamed of. It is only a means of making it affordable so you can enjoy your day, without worrying about how much it cost.
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Further Reading:
How to Shop for Great Wedding Favors on a Budget (Wedding Matters)
How to Decide if You Need Credit Counseling
If you have been struggling with credit card debt, you may be wondering if anything can help your financial situation. Perhaps getting credit counselling has crossed your mind. Credit counselling and paying down your debt in a structured way is one of the main alternatives to bankruptcy, but it is not a fast solution, and there are some things you need to be aware of before undertaking such a step.
First of all, you might wonder whether it is worth the money, since credit counsellors and consolidators are really just middle men between you and the credit card companies. Having said that, they are more experienced at dealing with the credit card companies and negotiating favorable terms. If you are at all scared or intimidated at the idea of haggling with your credit card companies, then you might decide that the money you will have to pay for credit counselling and consolidation services will be worth it.
But before you hire anybody, you should at least attempt to negotiate with your creditors prior to hiring a third party to do it for you. There is no harm in trying, after all.
If you do not have any success, then it would be time to hire the services of a credit counselling and consolidation service. Look for a non-profit, and compare prices. Also keep in mind that a non-profit does not mean no profit, so you may find that the rates vary widely. Keep in mind also that whatever fees they charge COULD be money you would use to pay down the debt yourself in a structure way, so look at the payment plan they come up with and see if you might be able to do it better yourself.
If you are still not sure if credit counselling can help you, compared with you doing it yourself, there are a couple of other things you might want to keep in mind. The first is just how much debt you owe, and how bad things really are. If you are barely able to cover your minimum credit card payments, don’t have the daily cash flow for the essentials such as rent, utilities and food, and are really struggling from paycheck to paycheck, the credit counselling can help.
If you have fallen behind several months in your payments, they can also help.
You will also need to look at your level of debt. Some have a minimum to cover, such as at least $6,000, in order to accept you into a program.
If any or all of these situations describe where you are right now in terms of credit card debt, then there are several ways that you can find the right credit counseling program:
#1) Make sure they are accredited in your state.
This basically just states that they have the necessary credentials to deal with your case, and are approved by your state to deal with your debts. They should be part of the NFCC (National Foundation for Credit Counseling) or AICCCA (Association of Independent Consumer Credit Counseling).
The reality is that there are a lot of scammers in this industry who just take your money and are never heard from again. But you know that if a company has gone to the trouble of getting this accreditation, they will be able to help.
2-Read online reviews
There’s no better way to tell how honest a company is than to see what their current and past customers are saying about them. This is particularly necessary if it is a firm you have never heard of.
3-Look at their charges
Just make sure you avoid companies that require huge initial fees. Most legitimate firms will give you a free consultation and be clear about any and all fees. They will also offer valuable one on one credit counseling advice and offer free information through their website and through online classes, tutorials and more, so that you can not only get out of debt, but stay out of debt.
If you are looking at bankruptcy as your only option, remember that it really should be considered a last resort. It will stay on your credit record for 7 years even after it is discharged. If you are just looking for lower interest rates, call and ask. If you are looking for a structured way to pay down your debt with one single lower monthly payment and are willing to learn how to manage your money and cut up your credit cards, credit counselling may be right for you.
How to Have a Great Wedding Even on a Tight Budget
Many people believe that the only way to have a great wedding is to either elope to Vegas or spend a small fortune trying to impress friends and family. But the truth is that you can have a great wedding even without spending a lot of money if you are prepared to do your research and be organized. Here are some ideas for creating a stylish wedding even on a tight budget.
Wedding dress
This can be the most expensive part of your wedding. In fact, a wedding dress by itself can cost more than the average wedding! But you don’t need to spend a fortune on your wedding dress to be a stylish bride. Instead of shopping at high-priced bridal shops, shop online at e-Bay or visit a second-hand store to see what is available. Also look for end of the season or end of a line styles. David’s Bridal also has $99 wedding dress sales at least a couple of times a year. You can even rent a wedding dress and formal wear for the wedding party if you have to.
Cutting down on the size of the wedding party
If your wedding party is getting way too large because of your fear of offending anyone if they are left out, STOP. This is an expensive undertaking for anyone involved, with formal wear, shoes, flowers and so on all involved. Have a maid of honor and best man if you need to, and leave it at that. You will save thousands of dollars and millions of logistical headaches.
Bouquets
To cut down on the cost of the bouquets, stay away from mixed bouquets with exotic flowers. Instead, choose flowers that are grown locally and are in season. Another idea is to order bouquets made up of the same flower rather than mixed bouquets. They cost less and can be very stylish in their simplicity. You might also consider silk flowers so that you can have a great keepsake, rather than spend money on cut flowers that will wither and die.
Meals
The reception is another high-prices item in most wedding budgets. You can plan a stylish meal without a lot of expense. Instead of a large sit-down dinner, look for alternatives such as a buffet, or a simple wedding venue with a caterer or your own family and friends all pitching in with finger food and more. You won’t need to pay for an expensive wait staff and everyone can relax and enjoy themselves.
Centerpieces
At the reception, the centerpieces are considered an important decoration, with flowers the most popular centerpieces. However, they can get expensive. A stylish and affordable alternative is to use candles. Float tea lights in small crystal bowls or light votives in votive holders. They don’t need to match each other – having an assortment can add to the stylish look. Instead of purchasing new, ask your friends and family members to bring candle holders from home, or use the holders at each table as the wedding favor for the guests to bring home.
Favors
Many wedding guests have come to expect a wedding favor, but the truth is that it can all start to add up, especially if you have a large wedding. Use the wedding favors you are going to give as decor for the table, or as part of the wedding photograph tradition when you thank people for their gift and for coming. Shop carefully and compare prices online.
Wedding cake
You might be thinking of a multi-tiered cake covered with handmade sugary flowers, but they are expensive and by no means essential. Instead, have your cake decorated more simply with some rolled out royal icing and some silk flowers. Another idea is to display a small formal wedding cake with a bride and groom on top, then serve a sheet cake to your guests. The sheet cake will actually be easier to cut and serve. Have cupcakes or another simple, easy dessert instead.
The main point of any wedding and reception is to celebrate a couple’s love for one another, not go broke fast. Organize yourself and look for wedding bargains. Plan ahead for great fun activities for your wedding and wedding reception, and you will be able to create a memorable wedding that your guests will recall happily for years to come, but without you having to pay the bills for years to come.
You CAN have a stylish wedding on a budget. Be prepared to think creatively and look for less expensive ways to create the impression you want.
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Further Reading:
How to Shop for Great Wedding Favors on a Budget (Wedding Matters)