Friday, November 21, 2008
Decorating Your Bathroom for Christmas
Are you one of the many individuals who loves the Christmas holiday season? If so, there is a good chance that you may be interested in filling your home with Christmas decorations. Although you might not have given it any thought, did you know that you can also decorate your bathroom for Christmas? If you have yet to think about it, you might want to give it some serious thought. There are a number of Christmas decorations that would look great in your bathroom.
If you are looking for a simple, easy, but traditional way to decorate your bathroom for Christmas, you may want to try hanging a Christmas picture in the room. Whether that picture is an elegant framed picture or just one made of cardboard, such as a cardboard cutout of Santa or a Christmas tree, you could easily transform your bathroom with one simple Christmas picture. If you already have pictures in your bathroom, you could leave the pictures up or take them down until Christmas is over. For the ultimate Christmas feel, it may be better to only focus on one bathroom theme at a time
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You can also decorate your bathroom for Christmas with the purchase of Christmas towels and washcloths. Depending on where you shop, you should be able to purchase a Christmas bathroom set, compete with matching towels and washcloths. In your search for Christmas towels or washcloths, you will find that many are designed as if they were for children, with cartoon-like characters. If you are looking for a more elegant Christmas style, you should also be able to find that as well. It is possible to find solid colored towels and washcloths that only have a small amount of Christmas on them, such as a simple snowflake or a small picture of a Santa. Allowing these towels to hang in your bathroom, whether you use them or not, is a great way to bring the Christmas spirit into one of the most used rooms in your home.
In addition to Christmas towels, you can also find a number of other Christmas decorations that are designed for the bathroom. Those items may include soap dishes or soap pumps. It is not uncommon to find a soap dish that has a Christmas design to it. The same can be said for soap or lotion pump containers. It is not uncommon to find some of these containers in the shape of Santa or a Christmas tree. What is nice about these types of Christmas decorations for the bathroom is that they can usually be purchased for a low price. You can usually find a collection of Christmas soap dishes or pumps in your local dollar store or discount store.
If you are really interested in brining the Christmas spirit into your bathroom, you could even go a step further. It was mentioned above that some bathroom sets come with matching towels and washcloths. It is also possible to purchase bathroom sets that include window curtains, shower curtains, as well as floor mats. Depending on where you are shopping, you may be able to find Christmas bathroom sets. These sets tend to include a shower curtain, floor matt, as well as wall curtains that, in one way or another, relates to Christmas. While it may seem as if a Christmas shower curtain is over the top, it might not necessarily be, especially if you love the holiday or have children in your home.
The above mentioned items are just a few of the many that you can use to decorate your bathroom for the Christmas holiday season. If you would like more decorating tips, you are advised to perform a standard internet search. It may be best to use the phrase Christmas bathroom decorating tips. Your search will likely return a fairly large number of results; results that may give you the perfect idea as to how you should go about decorating your bathroom for Christmas.
Have a Happy and Safe Holiday! http://www.daddydigital.com/
Wednesday, October 8, 2008
Reduce your debt
Saturday, August 30, 2008
Saving Money And Reducing Debt-An Everyday Job
We set up 10 basic rules:
Rule 1- If we are to purchase any item over $200, we must both agree it is needed
Rule 2- Any purchases made with a credit card must be able to be paid off within 90 days.
Rule 3- Once a year we will sit down and make a plan for any major purchases, such as home improvements, appliances etc.
Rule 4- At the end of each week, we will sit down and pay ourselves first, deposit any extra money into savings or investments.
Rule 5- Everyone must be involved even the kids, they must learn how to live within their means
Rule 6- Eating out will be cut from once per week to once every two weeks, the extra money will go into our savings.
Rule 7- Fill up the tank at the beginning of the week in both vehicles, allows us to shop for the best gas price, not get it when your on fumes.
Rule 8- Lunches will come from home at least 4 days per week for everyone
Rule 9- The mall is taboo! Discount stores have the same products for less.
Rule 10- Shop for price, use coupons and buy in bulk when an item we use a lot of is on sale.
Set the bar high! If you keep track of what you spend everyday for one week, you will be surprised. The coffee, lunch, snacks, cigarettes, convenience store stops and other frivolous purchases. I did it for one week and I was surprised, so I took the numbers and figured out that I could save $60 a week on just coffee and lunch!You can take that $60 and pay down debt, save it or invest it!
Finally, I am not the only success story in doing this, you can do it too.
See How You can Live On a Dime.
Thursday, August 28, 2008
Stop Foreclosue-Free Report-Urgent Homeowners
1. You need to deal with it! Don't avoid the phone calls, ask what they can do for you if you can't afford the payments.
2. Don't be bullied! You have rights and you need to know that threatening is against the law.
3. Read your agreement again, you know the pile of papers you recieved at your closing, the one's you never read, now would be a good time.
4. Make a Plan. What are your TRUE intentions? If you really can't afford your home or have lost your job or have medical problems, you may be eligible for government programs, call your local unemployment or department of labor.
5. Prepare for battle. Don't leave without a fight, get all the resources needed to keep your home.
6. Work with your Lender. Your lender may be willing to renegotiate terms or payment amount.
7. Ask for Help. Family or friends can help you if it is just a temporary situation.
8. It takes a long time. Foreclosures are taking a long time to happen. Auctioneers and the banks simply don't have enough help or time to handle all of them.
9. If you aren't intending on staying, save your money for rent or upcoming expenses such as moving, furnture etc.
10. Finally, it's not the end of the world! Material posessions can be replaced, health and happiness is more important than that
Friday, August 8, 2008
Oilheat has just gotten smarter - it's eating its vegetables!-BioHeat
Domestically produced, soy-based Bioheat can literally be grown at home — helping to support our nation’s farmers and reducing our dependence on foreign oil.
It is extremely clean burning.
It has the highest Btu content of any alternative fuel.
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Oilheat has just gotten smarter - it's eating its vegetables!Bioheat — heating oil blended with biodegradable, organic materials such as soybean oil — is one of the “hottest” things happening in home comfort. Renewable and non-toxic, Bioheat is not only kind to Mother Earth; it’s kind to heating systems, too.Bioheat Characteristics:
Domestically produced, soy-based Bioheat can literally be grown at home — helping to support our nation’s farmers and reducing our dependence on foreign oil.
It is extremely clean burning.
It has the highest Btu content of any alternative fuel.Bioheat Benefits for Homeowners:
Bioheat produces the same satisfying heat as “regular oil.”
It costs just about the same as “regular oil.”
It lubricates heating system.
You don’t have to make any modifications to your burner or tank.
You don’t have to buy any new equipment.
You don’t have to change your budget plan, payment plan, service contract or warranties.Wondering what makes up Bioheat? These every-day products of nature can be used to produce the alternative environment-friendly fuel:
• Avocado• Brazil Nut• Calendula• Cashew• Castor Bean• Coconut• Coffee• Corn• Cotton• Euphorbia• Hazelnut
• Hemp• Jojoba• Linseed• Lupine• Macadamia Nut• Oat• Oil Palm• Olive Tree• Palm• Peanut• Pecan
• Pumpkin Seed• Rapeseed• Rice• Rubber Seed• Safflower• Sesame• Soybean• Sunflower• Tung Oil TreeTesting conducted by the National Oilheat Research Alliance (NORA) found that a Bioheat blend of 80% low-sulfur heating oil and 20% biodiesel (B20) reduced sulfur oxide emissions by as much as 80% or more. Nitrogen oxide emissions were lowered by about 20%. In addition, carbon dioxide emissions can be lowered by 20%. If everyone using heating oil used a B5 blend (5% biodiesel/95% heating oil), 400 million gallons of regular heating oil could be conserved. This would be a big step towards conserving oil, and reducing greenhouse gas emission. information brought to you from http://www.oilheatamerica.com
Thursday, July 31, 2008
Grocery Shopping List Power -- Step 1 In Saving Grocery Money
A grocery shopping list can be the front line tool you use in saving money on your grocery budget each month. There are several more sophisticated ways to save grocery money, but none is easier or faster to implement than the lowly grocery shopping list. Interestingly, this is a tool that almost everyone knows about, yet very few people actually use it in a systematic and reliable way. For those folks who are not convinced of a grocery list's potential power in household management, here's what happens when you DON'T use one. -- You lose money.
Without a grocery shopping list, a shopper is at the mercy of "what looks good" in a grocery store. Believe me, if you shop this way, you WILL find something that looks irresistible. And costs more than you might have spent with a list. Why? Simple. It is the grocery stores' job to entice you to spend money in their stores. That's how they stay in business. There's no problem with that. But it's YOUR business to get the best value for your money...unless you don't care how much you spend on your groceries each month. In which case you probably wouldn't be reading an article like this one. -- You lose time. Using a grocery shopping list means you can enter your favorite grocery store, fly up and down the aisles one time, and be ready to check out in the fraction of time of another shopper who uses the 'browse' method of grocery shopping. And if you're under the mistaken impression that you'll need to spend lots of upfront time figuring out what to put on your grocery list, well, you don't. Hang your grocery list in a prominent place in your kitchen and train your family to use it. Then your list will be ready to go shopping when you are.
-- You lose nutrition. Using a grocery shopping list means you get EXACTLY what you want at the store; and that includes the nutrition you want for your family. You call the shots on how much fat, salt and sugar your family consumes. You can decide to emphasize whole grains and whether raw vegetables, frozen or canned will grace your family's dinner table. In short, with a grocery list, you are in control.
-- You lose efficiency. Ever stand in your grocery store and think to yourself, "well, I know I need some frozen veggies (or broth, or canned fruits, or favorite mixes, etc.) to keep on hand for that easy throw-together recipe my family likes. But I can't remember what I already have at home. I'll just get a couple of bags of SOMETHING to keep on hand." Fast forward to the night you want to actually COOK that wonderful food for your family. You discover you've got two bags of frozen broccoli and three bags of frozen stir-fry veggies, but what you NEED is a bag of frozen corn. A grocery shopping list could have helped you bring home the corn. Without the extra stir-fry. Using a grocery list means you have what you actually need in your pantry when you need it. Plus, you'll end up with less throw-away food, too, since you're purchasing what you know your family will eat within a given period of time.
Bottom line, if you're serious about saving money at the grocery store, the first thing you'll want to use is a grocery shopping list. It's easy and you can start using one today. (For a free printable grocery shopping list, see the author's resource box at the end of this article.) Whether you're a college student learning how to grocery shop for the first time, a newly married couple establishing a budget, or a mom whose family has grown and the grocery budget has developed a mind of its own, the place to start to regain control is the lowly grocery shopping list.
About The Author
Colleen Langenfeld has been parenting for over 26 years and helps other moms enjoy mothering more at http://www.paintedgold.com. Get your free printable grocery shopping list at http://www.paintedgold.com/Organize/grocery-shopping-list.html.
Downsizing for Seniors by: Marilyn Bohn
• Get Rid of the guilt factor---Many feel they are the "keepers" of their family heirlooms and have a hard time getting rid of items which they no longer have room. This is the number one reason seniors have a hard time downsizing. Look for other family members who would like to have some of these items now. Especially if they are just being stored and not used. This way the person they really want to have them will for sure be the one to inherit the item. And the joy that brings to the recipient can be enjoyed by the giver.
• If family members do not want the items because of their own space limitations or for other reasons consider donating the items to a charity. Or there are consignment shops in most large cities where items can be sold with a percentage of the cost going to the shop. Or items can be sold through eBay, Craig's list and other places on the internet.
• Paring down items before the move makes the process easier at moving time. It not only saves space but it saves time and money.
• Find movers specializing in senior needs---Moving is stressful for everyone, but some moving companies specialize in making the transition easier for seniors so it is worth the time to fine a 'mover match'. There are moving companies with senior-friendly services, such as hanging items on the walls for clients unable to do so themselves, handling the change of address and utilities, setting up electronics at a new home, and much more.
• Reassess every five to ten years---As seniors get older, modern appliances or high shelving can become more difficult to use or simply unnecessary considering their lifestyle. By evaluating and reassessing needs every five to ten years helps in two ways. It helps to avoid collecting clutter and keeping things no longer needed. It also assures that the home or space is still working for their lifestyle.
• Everyday activities and household chores can be made easier---This can be a simple process by adjusting the setup in their homes. Keep two to three sets of dinnerware where it is easy to reach instead of keeping everything in out-of-reach cabinetry. Everyday activities and household chores can be made easier just by adjusting the setup in their homes.
About The Author
Marilyn Bohn's Bio Marilyn is a creative organizer who has been organizing for over 20 years. She is a member of the National Association of Professional Organizers and is working towards becoming a Certified Professional Organizer. Professionally she has been organizing homes and offices for over two years. She holds a bachelors degree in Social Work. She has reared five daughters and currently lives in Utah. Go to her website http://www.marilynbohn.com where you can find free organizing tips, interesting blogs and more helpful articles on organizing.
Wednesday, July 30, 2008
Keeping Your Home Maintained Saves You Money In The Longrun

Window sometimes become difficult to close. Make sure no debris has lodged into a window opening and make sure the windows are still on track. Trying to force a window is never a good idea. By making sure the rubber seals around the windows are in good shape can be the difference between losing hundreds of dollars in heating and cooling expenses.
Crack sealing – Houses settle and each year there are always new cracks. They have to be caulked or filled properly to avoid drafts and further expansion. It is always a good idea to do a seasonal inspection of your foundation to identify any cracks or potential problem areas. It can prevent water from getting into the problem area. A filled crevice will prevent unwanted insects (or worse) from gaining access to your house.
Regular drain maintenance is a must. Hair builds up in bathroom sinks and food residue sticks into the kitchen drain. Either clean with a wire brush, or by opening the pipes (with a pipe wrench) or get some sort of “draino” to keep that water flowing.
Check on your Bathroom Sink Stopper – this is a common part of the sink drain that comes apart. I see this in many homes, it is an easy fix, but you got to have some patience. Look under the sink and see if it is connected properly. If so you should have little problems.
Recaulking the bathroom shower tub and removing mold with bleach, is a great way to prevent sickness and clean up the look of your tub. Scrape off the old caulk and apply fresh new caulk that is specially designed for the shower and bath. It is easy to do and will make your bath look newer. Make sure to spray with bleach and keep the area ventilated while you do this job.
Save paint from any paint job. You never know when you need touch up paint around the house. If you do not have the saved paint, you can take a chip of the used paint to a good paint store. Any Sherwin-Williams store should be able to match the paint by taking a small piece.
Finally make sure to check light fixtures, outlets and thermostats. All these things need a regular “once over” to ensure proper service. If all these things are done, you will have a better understanding of your houses needs and will prevent future problems.
Save on Home Cleaning Products by: Sarah Russell
About The Author
Sarah Russell, aka "The Sexy Secretary," is a connoisseur of living the good life on a budget. Check out her website at http://www.thesexysecretary.com for more fabulous ideas on how to trim down your expenses without reducing your quality of life.
When You Don’t Need To Call A Plumber
It’s interesting that topics such as this are not a part of the typical high school curriculum. As a former educator, I’ve always believed that the education of our young people should include a number of levels of learning including how to get along in the real world of home owning, etc. Granted, many secondary schools offer a fine curriculum in areas such as auto mechanics, woodworking, etc. but they really fall short in teaching about the everyday problems people come face to face with as adults.
Enough of the soapbox lecture.
The purpose of this brief article is to cover some of the basics involved in taking care of routine plumbing problems that eventually all of us will have to face. Of all the systems in the home, I hate dealing with plumbing the most! Many repairs need to be completed before your dry run (excuse the pun) can be run to see if the problem is fixed. If it’s not, you usually have to start all over again, which is frustrating to say the least.
One of the most common household plumbing problems is the stopped-up toilet. We recently moved to a new home and were having a lot of problems with toilet stoppage. We hadn’t changed our diet so we ruled that out as the cause and tried figuring out what the real problem was. Well, with a little help from the builder we found out that this newer toiled required you to hold the handle down a little longer to get a complete flush. You would think that there would be some kind of warning label or something that would clue you into this, but no. The problem went away after we followed his advise. Easy fix.
Traditional plungers have been upgraded to configurations that will get the job done quicker and easier. There is a plunger called “power plunger”. Ask for it by name at your local hardware store or home center. Chances are that it may be marketed under a different name. Make sure that the salesperson knows that the item is, in fact, what is typically called a “power plunger”. This plunger is effective in clearing clogs from toilets, sinks and bathtubs. If your kitchen sink is clogged and is connected to a dishwasher, be sure to clamp-off the dishwasher hose so that the plunger will work completely on the drainpipe rather than having some of its pressure diverted (uselessly) to the dishwasher. When the clog is cleared don’t forget to remove the clamp from the dishwasher hose or you will have some unpleasant consequences when you do wash the next load of dishes.
I’m not a big fan of liquid drain cleaners. I’ve found that they usually don’t get the job done (although some people will beg to differ). If you elect to use a chemical drain opener, be sure that it doesn’t have chemicals that may damage your piping (read the label on the box or bottle). Also, most of these chemical cleaners will wreak havoc if they touch exposed skin so, if you choose to try them, be sure to wear protective gloves and a long sleeved shirt and wash your hands thoroughly when your finished. If you don’t use the entire bottle, make sure it’s stored in a safe place where children can’t get to it. Most of the cleaners include chemicals that are so toxic that death may result if they’re ingested. There are some liquid drain cleaners that are “earth friendly” and are less hazardous to use. I’m not sure that they “pack the punch” that more tradition liquid drain cleaners do but I’m not an expert by any means in this area.
OK, you’ve tried a “power plunger” and even some liquid drain openers but the drain remains clogged. What’s next? Your best bet is to buy a small hand auger. Using the auger is simple. Push it into the drain until you reach resistance and then close the thumbscrew auger lock with about a foot of the auger extending from the drain opening. Turn the auger handle clockwise and you will hopefully move it past the bend in the pipe (where the clog may be). If the drain is still clogged, loosen the lock and repeat the process. Eventually, the clog should be forced down the drainpipe and the problem will be solved. If you suspect that there is an object that is clogging the drain, turn the auger counterclockwise to remove it.
If all else fails and you have access to the plumbing beneath the clogged unit, you can try to remove the trap, etc. to see if this helps locate the clog. Be sure to use a cloth to protect the metal before you try to loosen the joint to avoid damage.
No joy? Call a plumber.
The longer you live in your abode, the greater the chances that the seals under the pop up stoppers in the sink and bathtub may begin to leak so that the water drains before you’re ready for it to drain. A replacement stopper is your best bet for the bathtub. The fresh seal should take care of the problem. The sink, on the other hand can be easily fixed in just a few minutes. Inside the cabinet there’s a rod that protrudes from the drainpipe. This is called a lift rod. This rod passes through a horizontal piece of metal called the clevis strap and is fixed in place with a spring clip. Sometimes the clip has become loose and the lift rod is no longer running through the hole in the clevis strap. Make sure to force the clamp downward to increase its holding power then run the lift rod back through the clevis strap and slide the clip back on. If this solves the problem, you’re finished. Sometimes the seal in the stopper has become worn and needs a little more downward pressure to make a watertight seal. Look at the top of the clevis strap for a thumbscrew and after loosing it, move it upwards a bit (usually a half inch will suffice). Tighten the screw and your problems should be over.
About The Author
Chuck Lunsford is the content manager for http://www.lightnbreezy.com/, a well-known source for home improvement lighting and ceiling fixtures. If you have more questions about other home repair topics visit us at plumbing repairs and maintenance for the do-it-yourselfer.
You Own A Wood Burning Stove - Is It Dangerous for Your Health?
Do you have a wood burning stove? I don't know if you have noticed but many people have one nowadays. When the cold season arrives, it is sure nice to have a wood burning stove. I can tell you that. When I look at a wood burning stove in a magazine or in a store it brings back a lot of nice memories. I just loved the smell and the nice heat our old wood burning stove was giving us in the kitchen in the cold season. It may seem odd in this day in high tech, but wood burning stoves are getting more popular than they have been in almost a century. Many persons would suppose that a wood burning oven was almost the least practical article that you could install in your residence. After all, there are so many disadvantage to a wood burning stove. First of all, there is not the same sort of fine temperature control as with a gas heater. Wood burning stoves, basically, are either on or off. When they are on, you constantly have to stock them with wood. When they are off, they take many hours to heat up again. Nonetheless, the wood burning stove has a lot going for it. First of all, wood burning ovens are versatile. Not only can you use them to heat a room, you can also use them to dry clothes, and warm cold feet. You can even bake certain things on some wood burning stoves! There is also the matter of the cost of heating. Wood burning stoves was thought of as not practical because of the amount of work that goes into using them. Today, however, they make a lot of sense. They burn wood very slowly, and in many areas fire wood is accessible at no cost. Hundreds and hundreds of dollars can be saved every winter if you have a wood burning stove. For many families, that is no laughing matter. But there are risks associated to wood burning stoves. Although they are not difficult to maintain, they have dangers that regular gas furnaces don't have. Wood burning stoves must be located in the middle of your common space. That means that if you have young kids, they are at risk. If they run into the wood burning stoves, they can burn themselves! Also, a lot of persons say that wood burning stoves have much greater emissions than other sort of heat. Even oil burning furnaces - infamous for the air pollution they make - are supposed to be healthier for you than wood stoves. If your wood burning stove is not adequately insulated from the residence, it can liberate hazardous indoor pollution and poison you and your family. Nonetheless, even with all of these drawbacks, wood burning stoves make sense. They enjoy a renaissance among environmentally aware persons. They are more efficient now and they also let you survive with less outside dependence on our decreasing natural gas supply. So next time you look at a wood burning stove, why not get in the store and have a closer look at it? I am sure that you will love it.
About The Author
Paul Zayer is an Internet lover and really likes sharing information with other people. You can discover more about home improvement and wood burning stove reviews at his web site http://www.homeimprovementcenteronline.com
How To Avoid 5 Costly Mistakes With Your Air Conditioning System
We all know that air conditioning systems are expensive to buy and install. You’ve worked hard to earn the money for your heating and conditioning unit. So it makes sense to look after it as well as possible to reduce any repair costs. You don’t want to have to spend lots more money on repairs or, even worse, on having to replace it.
About The Author
Dave Johnson writes about air conditioning. He has a free report available to help you avoid costly mistakes with air conditioning. Subscribe for FREE at http://www.airconservicetips.com. You have full permission to reprint this article provided this box is kept unchanged.
Discover What Home Automation Systems Are All About
Do you remember George Jetson? His futuristic world gave a whole generation of cartoon viewers fantasies about having the ability to complete even the most tedious chores with only the push of a button. Well they don’t look like the Jetson’s Rosie, but robot housekeepers are actually already available. They are called home automation systems and look more like a fancy thermostat than a metal maid. A home automation system allows the homeowner to control all his home’s systems via the World Wide Web from virtually anywhere Internet access is available. An automation system harmonizes the air conditioner, heater, water and appliances.
Kelly Hunter operates http://www.home-automation-systems-guide.com and writes about Home Automation Systems.