Tuesday, January 31, 2012

Kids aren't cheap.


I was reading an email that my bank sent me and I wanted to share. Kids aint cheap!!!

"Raising a kid from birth to age 18 increased by 40% over the past decade, and topped a whopping $226,920 last year, according to the U.S. Department of Agriculture. And that's NOT including what you'll need to save to pay for a college education.
In 2011-12, public, four-year colleges charged an average of $8,244 per year in tuition and fees for in-state students, and $12,526 per year for out-of-state students, according to the College Board. Meanwhile, private nonprofit four-year colleges charged an average of $28,500 per year in tuition and fees.
So how are parents supposed to cope? Luckily, the College Board reports that a full-time undergraduate student, over 2010-2011 received an average of $12,455 in financial aid, including more than $6,500 in grants that don't have to be repaid. But that's not enough" 


Do you have a plan???

Friday, January 27, 2012

Southwestern Stuffed Wonton Recipe

I bet you think that I forgot about my recipes...NOPE.


I didnt but I did forget to get great pictures with my camera so I was using my cellphone. Please forgive me. This quick and easy recipe can be served as a main dish or appetizer.


So here is what you need.

1/2 cup diced onion

1/2 cup diced red bell pepper

2 clove garlic, minced

1/2 cup frozen corn kernals

1/2 cup canned southwestern seasoned black beans, drained

2 cups of chicken, shredded-I used southwestern seasoned chicken 


salt and pepper, to taste

1 cup shredded cheddar cheese

48 wonton wrappers

 vegetable oil for frying
---------------------------------
First, Heat skillet with oil to saute the veggies. You can use a little water (fat-free option since we are frying the wonton), EVOO, or a little butter. I used EVOO.

Add your onions first. Saute until they are translucent but still has a firmness. 




Add red bell peppers.


Saute the onions and peppers until the peppers have soften but yet still a little firm. 


Add your garlic and salt, to taste


Once you have lightly sauteed your garlic, add your corn (My corn was cooked prior to starting, I was just heating it up with the mixture), beans, and chicken. 


Remove mixture from heat and mix in your cheese. I used Mexican four cheese blend by Kraft.  Set aside.


Clean and dry your pan. Fill the pan with about a half of inch to an inch of oil and heat the oil.


While the oil is heating, assemble your wonton. 


Fill each wonton with a teaspoon of your meat mixture on one side of the square. Then wet the edge of the wonton with water then fold  the wonton in a triangular shape and seal.


Fry the wonton on each side for about a minute. Will not take long to cook so please pay close attention. 
IMAG0059.jpg

Allow the wonton to drain oil on paper towel, make your favorite dipping sauce (I had a pineapple salsa) and serve warm. 


Hope you enjoy!!!






Here are some grocery coupons so you can make won ton's tonight!


Social networking.

I am so behind with this. EVERYONE has facebook pages, twitter, and youtube for their blog. Well I am giving in to peer pressure.


You do not have to follow all of them but if you want to stay in touch, I would love to keep in touch with you via facebook.


I look forward to seeing you soon!!!!!


disfordana...twitter




Get an affordable computer and socialize away. Here is a Lenovo coupon code.

Credit Cards are the devil...not really


nflextrapoints.com



Hunny and I are looking into investing in our first income property. I thought that it would be great to share some tips that I am learning and have learned during this process. Also, I would LOVE to share some of the things that we learned as two young students to where we are now. It was a process to say the least. Maybe some of the things that I have learned may help you.

Credit cards and college students to me are a no no we you do not have self-control. Hunny and I didnt have self-control and we dug a huge hole that took YEARS to repair.

Credit cards can make or break your credit if you don't follow these four steps.

1. Cut some of your cards.

You do not need 10 credit cards. Find maybe one or two cards and get rid of the rest.


2. Limit your limit. 

Even if you have a card with a 10k limit, if you cant afford it, call your bank to limit it to an amount that you can afford.


3. Only charge what you can afford to pay off at the end of the month.


One of the things that hurt your credit is carrying a balance. You should never carry a high balance on your cards. For those how are afraid of using credit cards. Use the card for something that is cheap every month. What I did was use it for our weekend meal. So, at the most, I charged +/- 50. This was easy to pay it off at the of the month.

4. Avoid credit card cool offers/gimmicks


When I was 18, I was offered a credit card with a limit of 300 bucks but I had to purchase their credit education literature and program which was 200 bucks. The interest was 4% but then after the first month it quadupled.  They were not only charging me for the card but they were making a profit off of me with their horrible literture and rates. I ended up paying double. Of course being a naive young adult, I wanted the credit card. I also wanted to use the card. Being a fulltime college student and working barely part-time was a nightmare.

 I actually still have that card but I was able to increase my limit and lower my interest rate. Took a lot of work to get there.


Additional tip: 


REVIEW YOUR CREDIT REPORT!!!! There are so many people out there willing to steal your identity and credit. Keep your eye on your credit. They can ruin something that you worked so hard to keep up. 




Thursday, January 26, 2012

Meet T.J. Short, Author.


“TJ Short is no stranger to adversity, just as the characters in his novels. Life changing events have led TJ to his career as an author. His controversial first novel, The Gifted Child: John’s Saga garnered a wide range of reviews from five stars to suggestions that maybe he shouldn’t have started writing as a career. Undeterred by the criticism and spurred on by the praise, TJ penned Sherri’s Song a year later; a novel that delves into relationships dealing with domestic violence.”   
Courtesy of Free Press Release

A few years ago, I had the pleasure to read and review T.J. Short’s book Sherri’s Song. I enjoyed this book greatly. I was only nature that I wanted to get to talk to T.J. about his writing career. He was very kind enough to allow me to pick his brain. I am sure that you will enjoy this interview as much as I do.

When did you first start writing?

I started professional writing in 2004 and finished my first novel in 2005.

What was/is your motivation in writing your books?

 Thus far I've been writing about things that capture my interest and ignite a passion inside of me.

What do you find most challenging about writing?

 Making sure all the nuances of the plotline work.

What is most challenging about being an independent author?

 It is most difficult in getting major distribution.

Tell me about some of the people you’ve met while working on your books?

 I've met individual people from all walks of life. Some of them in the literary industry itself, such as independent others, agents, publishers and book club members. I've also had the opportunity to meet people associated with other professional organizations and clergy.

How would (someone) describe your writing style?

 I know you should be aware of the flatterer, but some have compared me to Mark Twain and Charles Dickens.

What do you do when you aren’t working on your book? Hobbies and so forth?

 I coach pee wee football, read, and watch sports on television.

Is there another book in the horizon?

 Yes. I have the sequel to both novels in the final stages.

What networking do you do that you feel helps your writing in business?

 I talk with people that I meet and always try to be friendly and open. Word of mouth is a powerful tool.

What’s your strategy with your writings, in general?

 I write to make people think and have an introspection on an issue. I also want them to learn about issues that they have no knowledge.

What’s the best thing a writer can give to his/her readers?

 A good story that entertains and enlighten.

Say if one of my readers want to write a book but don't know where to start, what advice do you have to offer them?

 Pick an issue and ask who, what, when, where, and why.

What has been your strategy for marketing your books?

 The internet and flyers.

Name some of the writers whom you look up to and why?

 Richard Wright. He wrote in the Civil Rights era when blacks were becoming established on    the American literature scene. He made a tremendous impact on African American Literature. I love his work.

Where can we find your book for sale?

 Amazon.com and TJShort.webs.com 

Lastly, what's next for you in the writing world?

 Poetry and children books. I have some things in the work.


Tuesday, January 24, 2012

Learn to budget


suzeorman.com


 Below is a budget, see what you are spending most of your money on. Will you be shocked? 


I was watching Suze Orman one day and a caller told her that he is always broke. He thought that he made decent money but seems like he is always living paycheck to paycheck.  Suze told him to do a budget. He called back on an update show stating that he wasted a lot of money and budgeting saved him.


So what I did was went a month with holding on to receipts. Anything that I purchased, I made sure I had a receipt and put it in my night stand. At the end of the month, I did a budget based on my previous month's spending. It really helped me understand where I was spending most of my money....Dining out.

Week 4 in the 52 week financial challenge and Tip


Put your 4 dollars away. So far you should have at minimum of $10. Now remember if you have extra to put away, please do so. Savings create wealth. 


Next week (week 5), ask for a receipt for EVERYTHING that you purchase. Dont stop your routine. Just save all receipts. Week 6, review what you are spending. See if you can eliminate something that you really dont need. One of the biggest things that I cut out 2 years ago was my Starbucks habit. I set aside the money that I was spending for coffee for a month and was able to purchase a nice coffee maker. I still went to Starbucks because I LOVED the froth. Well this year, I got a frother. So I eliminated my froth need from Starbucks. Every blue moon, I have a starbucks coffee but its been very rare. See if there is something you can eliminate. Maybe only buy shoes one a month. I dont know...that helped me also. LOL!!! Personally, This year I am working on eliminating how much I go out to eat.  Talk to  you soon. 





In 52 weeks you can save $1378 by saving money each week. All you need to do is save the same amount as the week you are on.


Week 1= $1
Week 2=$2 
So on and so forth. 


Feel free to add more to your savings but please addthe minimum. At the end of this challenge do what you like with the money; vacation, IRA, Saving, down payment of a car or home project. 


I will come on EVERY week to remind you to save. If you want to participate with me. 

Thursday, January 19, 2012

Meet Farrah Rochon, Author


farrahrochon.com

Recently, I had the pleasure of  speaking with Farrah Rochon. I have to say that I'm a even bigger fan now than I was before. She is such a talented, down to earth, and sweet woman. 

 I was introduced to Farrah while reading with a book club that featured Kimani Romance novels. After that first book, I was hooked. 

 Farrah is very inspiring and a great addition to my mission to encourage my friends to go after their dreams. She loves to write, took that leap, and now is an author that name is included with some of the best romance writers around. 

After you read and enjoy this interview like I did, please leave a comment for Farrah. I am sure that she would love hearing from you. Not only that, your name will be entered in a giveaway for a autographed copy of one of her wonderful books. Exciting, right! So, don't forget to leave your email address when commenting. Enjoy!


Can you tell us a little about yourself?
Sure. I hail from a small town on the Louisiana bayou, about an hour’s drive west of New Orleans. I’m a graduate of Xavier University of Louisiana and the Graduate School at Southeastern Louisiana University. And, if anyone had asked me ten years ago if I could imagine myself writing romance novels, I would have laughed in their face. Actually, I still laugh at the thought. But I have never been happier.

I currently write for Harlequin’s Kimani Romance line. My Sabers series, which follows a fictional football team based in my second favorite city-New York-is soon to be four books strong, and I am loving every minute of writing it. I hope to write many more Sabers books in the future.

Please tell us about your writing style.
My writing style has gone through several evolutions since I first began writing. I wrote my very first novel totally by the seat of my pants, letting it grow organically. It was a fun way to write, but also extremely uncomfortable. I spent the entire time wondering if I’d be able to pull it off.

These days, my books are completely plotted out before I start writing (though I do leave lots of room for veering off).  I feel so much more in control.

When did you first start writing?
I started writing my first novel back as a sophomore at Xavier. I wrote the entire novel longhand, in a 3-subject notebook tablet. It took three years, and has the most convoluted plot you can imagine, but I’m still so very proud of it.

What was/is your motivation in writing your books?
Well, it definitely isn’t money. Ha! Seriously, it’s just something I have to do. The books play out in my head like a movie reel. I just have to get them out.

What do you find most challenging about writing?
Being disciplined enough to keep at it when the writing gets hard. As much as I enjoy it, writing is not easy, and when the words are just not coming to me, it’s so easy to hop online or find something else to do. Sticking it out when the writing gets tough; that’s a huge, huge challenge.

What is most challenging about being an African-American author?
Convincing non-Black readers that my stories are just as relatable as any other romance novel is, by far, the biggest challenge. At one time, I would have said that the practice of shelving African American authors together, regardless of genre, deserved the top spot, but I think it goes deeper than shelving. I think that just seeing an African American couple on a cover makes people of non-African American descent shy away and think “this isn’t the book for me.”  Actually, it is. If you enjoy rich, engaging stories about people falling in love, then you’ve found the right author.

What do you do when you aren’t working on your book? Hobbies and so forth?
I love to read, of course. If there was one complaint I could make about being an author it’s that I don’t get to read other writers’ work as much as I’d like. I also love, love, love sports. Some would say it is an obsession. I will watch a game over a chick flick any day of the week. And, when it comes to travel, it definitely is an obsession. Whenever I can I’m on a plane to New York to catch a Broadway Show, or driving to Orlando to spend time in my second home--Disney World!

Is there another book in the horizon?
There is always another book on the horizon. The fourth book in my New York Sabers football series , PLEASURE RUSH, will hit store shelves in late March, and the first book in my new small town, Louisiana “Bayou Dreams” series, A FOREVER KIND OF LOVE, comes out in September.  I also have a Valentine’s Day novella entitled IN HER WILDEST DREAMS that will be available via ebook in early February.

What networking do you do that you feel helps your writing in business?
I’m always on Facebook and Twitter, conversing with both fellow writers and fans. I guess you can call that networking, but it’s so much fun that it doesn’t seem like “work.” I also belong to several writing organizations.

What’s your strategy with your writings, in general?
Getting my butt in the chair and getting the words on the pages. That’s the most important thing when it comes to writing. I can find 100 things to do in a day to distract me from work, but I know that writing is what I was meant to do, and at the end of the day, all I can do is make sure that I’ve written something to further the book along.

What’s the best thing a writer can give to his/her readers?
Their absolute best work. You know, my first drafts are pretty well written, and could probably get published “as is.” But, after I’ve finished that first draft, I go back and rethink each and every scene, laboring over the sentences to make sure they are the absolute best that I can write. And, then, I do it again. My books are not perfect--far from it. But I can promise my readers that they are the very best that I can write at that moment in time.

Say if one of my readers want to write a book but don't know where to start, what advice do you have to offer them?
There are SO many resources out there these days that if a person is serious about writing a book there is nothing that can hold them back. My biggest piece of advice, though, is to learn the craft of writing. There are a lot of people who can tell a story, but not necessarily write. Learn the mechanics of writing.

What has been your strategy for marketing your books?
I would say it is engaging readers, but not necessarily shoving my books down their throats. I’m very active (okay, maybe a bit *too* active) on social networking sites like Twitter and Facebook. One thing I see way too often is authors who basically shout “Buy My Book” all day long. Like everyone else, I’m in the business to sell books, but that’s just not the way to do it. If you are personable and take the time to actually talk with readers and engage them in meaningful conversation, they will eventually look at your work. And, eventually, they may buy a few books.

Name some of the writers whom you look up to and why?
My favorite writer is Judith McNaught. It is because of her books that I started reading romance and started writing. I also deeply admire Brenda Jackson for the way she has propelled African American romance into the spotlight. I often say that I want to be Brenda Jackson when I grow up. Ha! Maureen Smith is another author whom I adore because she just writes the sexiest, most wonderful stories (can I possibly be both Brenda Jackson and Maureen Smith when I grow up?).

Where can we find your book for sale? 
Paperback copies of my more recent Kimani romances are available in book stores and mass merchandisers like Wal-Mart and Target. All of my books are also available through the online outlets, such as Amazon, Barnes & Nobles, Books-A-Million, independent bookstores, and others. They are also available via ebook.

I have several books that are available via ebook only, including my very first single-title series about the Holmes Brothers. Check out my website for information, links, and excerpts of the books: www.farrahrochon.com.

Lastly, what's next for you in the writing world?
As I mentioned previously, I have my Sabers series, which is still going strong. I also have a three-book series set in a small, fictional Louisiana town called the Bayou Dreams series. Additionally, I plan to release a few ebook-only titles in the next year. I have much, much writing ahead of me. I’m looking forward to bringing more stories to my readers.

I love hearing from readers and talking about books. Please look me up on Twitter using the Twitter handle @FarrahRochon and on Facebook at www.facebook.com/farrah.rochon.


Thank you Farrah for this wonderful opportunity. I look forward to reading ALL your upcoming books. I, also, have to hurry up and get my e-reader. :) 

Small Business Renaissance...Make it happen

Renaissance...the Rebirth or revival


Small Business...business that is privately owned and operated, with a small number of employees and relatively low volume of sales.


"Small businesses owned by various demographic groups make important contributions to the American economy" (The Small Business Economy).

Many of you had thought about starting a business and some of us don't even know where to start. The dream or aspiration of being a business owner seems to remain  just a dream because of fear or lack of knowledge. I wanted to share a little information and inspiration to get us started on a track of being successful business owners. 


With that in mind,  I wanted to introduce a blog series which highlights business owners, writers, artist, and etc. I will interview wonderful people that started off with just a dream, just like you and I. I asked and spoke to many wonderful people that are willing to share their experiences with us.  I hope you enjoy! 


If you are a business owner, writer, artist, and etc and want to be featured during this series, please email me. I would LOVE to share your experiences  and business with everyone. 


I am really excited to share this with you! I was really inspired. I hope this inspire you, as well. 


D. 

Thursday, January 12, 2012

A pinch of attitude

A pinch of attitude

Oasis bright colored dress
$50 - oasis-stores.com

Leopard shoes
£3.50 - attitudeclothing.co.uk

Oasis gladstone bag
$45 - oasis-stores.com

Kenneth Jay Lane gold jewelry
$45 - charmandchain.com

Yellow gold necklace
£10 - debenhams.com

Wednesday, January 11, 2012

Sharing Recipes...

If you know me well, you know that I LOVE baking. Strangely, I haven't always. I was intimidated by it. Until one day, I got to baking and found that I really love it.

A while back, I told you that I was going to start sharing but when I am in the kitchen, in my zone, I forget about pictures. What fun is sharing a recipe on my blog with no pictures? nooonnnee!!

Well I was thinking that since Friday nights are Family Bake Night. I will try to remember to pull out my camera. It is so cool to cook with the kids and I know that you would enjoy seeing the mess that they make baking. This Friday, I think we are going to make cream cheese danish but not too sure. I usually let the kids pick and they told me they are stumped. But I will keep you posted.


SN: Do any of you watch Chopped on FN? I LOVE that show. LOVE IT!!!!

Tuesday, January 10, 2012

Week 2...time to save!!!


picture via simplemom.net



It's week two. Put your 2 bucks away. Now we have a total of 3 bucks. Dont laugh, it will get harder. LOL!!!!











In 52 weeks you can save $1378 by saving money each week. All you need to do is save the same amount as the week you are on.


Week 1= $1
Week 2=$2 
So on and so forth. 


Feel free to add more to your savings but please addthe minimum. At the end of this challenge do what you like with the money; vacation, IRA, Saving, down payment of a car or home project. 


I will come on EVERY week to remind you to save. If you want to participate with me. 


Now, go grab your dollar, 4 quarters, or what ever you have. Put it aside!

So Chick how are you doing with your weight loss???


Well I can say that I am doing well. Now I will be honest, I didnt stick to the no meat. The meat was calling your girl and I came'a answering. I lost 3lbs last week. Not bad, huh? I drink lots and lots of water. If I am in the mood for something else like coffee or tea, I drink it. Though it is a sugar-free option. That isnt a diet thing. That's a habit thing. My mom is diabetic and she got me into drinking sugar-free drinks and drinks with sugar dont even appeal to me anymore.


 What did I do? I eat and I exercised a little. I didnt exercise like I should but I did get it in.

 What did I eat? Nothing special. I ate 3 meals 2 snacks and tried to stay with my 1500 calorie intake wish list. Some days I ate 1700 though.

I came across an article that I loved that spoke about if I ate 80% good, I could allow myself 20% of some comfy...savory or sweet. I have been treating myself with a weekend treat. Nothing insane but something that makes me smile without the guilt. Sometimes its cake. This week it was a slice of blueberry pie.

I am going to keep doing what I am doing and modify when I need to. Good luck to all of you and I hope that everything is working out for you.

Remember dont let one bad day discourage you. Its always tomorrow to start over again.

Sunday, January 8, 2012

Influenster Sponsored Review: Garden Botanika Lash Primer


IMAG0033.jpg

I was sent this item as a bonus item to review from Influenster. I am very happy that I got the opportunity to review this product. I do use lash primers but usual the combo product that you can find in our local grocery or drug store.
A little about Garden Botanika,

They have been in operation since 1989. They opened this company with maintaining a botanical based product in mind. This company also takes pride in being cruelty-free and environment friendly.

A little about the lash primer,

This product purpose is to thicken and plump thin or limp eyelashes. According the the company's website, this product retails for $11 for 7.5g.

I applied this product from the base of my lashes to the tip with on coat. The website states that if you want even thicker lashes apply two coats. Allow lashes to dry between coats. Then you can apply your favorite mascara. I think that I will be checking out their mascara. I love that this product is natural.

I believe that I added too much at the base because it was a little hard to cover. You will see that in the final picture.

The ingredients and benefits of the products is as follows:

Key Botanicals & Benefits:
Caranauba Wax, Glycerin and Panthenol lengthen and thicken lashes while keeping them soft and conditioned.


Ingredients:
Water (Aqua), VP/Hexadecene Copolymer, Glycerin, Glyceryl Stearate, Cyclomethicone, Copernicia Cerifera (Carnauba) Wax, Stearic Acid, Cetearyl Alcohol, Polysorbate 60, Tocopheryl Acetate, Retinyl Palmitate, Symphytum Officinale Leaf Extract, Aloe Barbadensis Leaf Extract, Panthenol, Magnesium Aluminum Silicate, Disodium EDTA, Cellulose Gum, Phenoxyethanol, Methylparaben, Propylparaben


With primer--see the little white that I mentioned?
Without primer
I am happy to say that I love this product and the pictures display that this product actually works. 

Friday, January 6, 2012

Influenster Sponsored Review: Softsoap Coconut Scrub Bar Soap


IMAG0015.jpgI was sent this product to review, two bars to be exact. The back of the box of soap states, "The gentle smoothing you love in a body wash, now available in bar form! Enriched with crushed coconut extract and gentle exfoliants to reveal soft, smooth skin. Lush tropical fragrance — no passport required."



I brought is soap in the shower with me and give it a try. My thoughts on the soap were quite different than what I expected. When I saw the word exfoliant, I thought that the crushed coconut would be more coarse than it was. The product offered very fine particles. The fragnant was not only a soft coconut smell but a coconut with a floral surprise, very pleasant. 
IMAG0016.jpg
I am not fond of soap because it tends to be a bit drying for me but I believe that individuals that use soap products will love the gentle exfoliant soap. I was told that you can find this product where most bar soap is sold. 

Sears/Kmart...layaway...workout equipment

I forgot to mention this to you yesterday but I was browsing in Kmart yesterday and saw that they had all exercise equipment on sale. I was intriqued. Then I noticed they had a cross-fit treadmill $420 on sale for $260. But if you are an active rewards member, you may have some rewards cash available\. Well anyway, I was able to get a treadmill half off. Because I wanted to see what my husband thought of it first, I put it on layaway because it was only that one left. I'm pretty sure that he will like it. He loves treadmills and this one seems to be a good one. I like it for myself. I can get in front of the TV and walk/run my little heart out. We will see.

If you dont layaway, I think you are missing out. With Sears/Kmart, you can put 10%, or is it 15%, down and pay bi-weekly for 8 weeks. Friends that read my blog in my area, Sears had more treadmills but not too sure if Kmart will be getting more in stock. I noticed that both stores have the sale and both offer pretty much the same equipment.

I just hope that Kmart/Sears do not close any more stores. They announced a few store closings earlier this week. I hope that will be enough. I love that I can do my LARGE home purchases at Sears. I also love that if its a bit pricey, I can use layaway.

Good luck!

Disclaimer: I am writing this post as a consumer. I was not asked to review this by any mentioned companies or otherwise.

Thursday, January 5, 2012

Full time vs Part time...a continuation of what's next.

I wrote a post a few weeks ago about going back to work full-time. After thinking about it seriously, I decided that I should wait on full-time and work part-time. I was thinking about Grad school and my family and I believe that I would be spreading myself thin. If I am about to work a schedule that fits my lifestyle (Thank you Jesus), I should do what I believe is best for me. I am so nervous to go back to work after so many years of being a full-time mom but I am going to do it. Next Thursday, here I come. HA! I will let you know how it goes. Wish me luck.

Military Tax time Options for FREE

This time of season can be the most exciting or the most dreaded time of the year. Everyone wants to see if they are getting a refund or do they have some paying back to do. 


Most like that rapid refund but at 32%, that is just eating up that refund that you may be receiving. We worked to hard to have to pay that much money just to see our money faster...my opinion. 


As a military member and family, installations offer free tax preparation for all active duty, family members, and retirees. Services offered includes:(1) distribution of federal tax forms; (2) assistance with and preparation of federal and state income tax forms; (3) electronic filing of federal tax returns; and (4) electronic filing of some state returns; and (5) direct deposit of refunds or automatic debit of tax owed.


Or you have to option to do your own taxes online for free with assistance at Taxslayer. I personally love the security offered while using this program online. 


 TaxSlayer.com Military Edition 


All Active Duty Military prepare and e-file both Federal and State for Free!
  • Step by Step Deduction Finder
  • Life Events Wizard
  • All Major Forms and Schedules
  • Real Time Tax Refund Calc
  • Free Email Support


December Favorites...Hair Edition

I often read product reviews and wonder if that person is still using the product reviewed. I thought this was a good way to keep you posted on products that I try that I will use again and are favored. Hope you enjoy.

This month, I have 2 favs.

First I will say that I LOVE Hairveda's Almond Glaze Pomade. I did a review on this product earlier last month and I LOVE it. It is a natural grease. It smells great and is a wonderful sealant.

Next, its another hair product by Hairveda is the Herbal Green Tea Creme. This thick moisturizer is heaven in these colder months. I just LOVE this stuff. I remember saying that I didn't like the shipping so much but I will be ordering these products again. Not only are they GREAT products that aren't priced badly. Each Item is 8 bucks. They are in 6 oz jars but a little goes a long way and this is coming from a heavy handed product user.







Finished school, now what??


Well not quite. I have four more weeks and then I will be complete.


 I know that I want to go back to school but I have to decide what school. I have to narrow my choice of study. It will most def be psychology but I am not sure if I want general clinical or do I want to do a specialize track like family or marriage. I dont know.

Wow, it felt like that I would never get to this point. I went to college right out of high school but decided that I wanted to work more than going to school. I always said that I would go back and I did go back a few times but it seemed that my life was too hectic for school.

 Then I dont know what did it to make me want to finally just go back. ...yes I do. Watching my husband finishing his bachelors and starting his masters, made me realize that I was just making excuses. I finally called the college, I really didnt take it too serious but I have to say that I had an excellent counselor that was very encouraging. He didnt allow me to say that I will do it later. He kept reminding me that if I kept that attitude, later will never come. Next thing I know, I was finishing up my first few classes at this school. 3 years later, I am sitting here reflecting on my journey.

I have an habit to start many projects but never finishing. This is one thing that I finished. I cant tell you how excited I am. If you are anything like me and have a lot of incomplete projects, write those projects down. Then prioritize, pick one, and finish it. You will be amazed on how good you feel.

But anyway, what are my plans next? I will talk a few months off and get some things around the house complete that I wanted to start. I am also starting my training soon so that I can work part-time in the hospital. EXCITING.

As for school...

Well I have three schools in mind. University of Texas, Texas A&M, and University of Mary Hardin-Baylor.
Right now I am leaning toward Mary Hardin-Baylor since I dont have to take the GRE. I suck at test like that. I will be sending my applications in next month and I will keep you posted.






Tuesday, January 3, 2012

Shoedazzle-January picks

I'm torn this month. I these are my two favs for the month. Shoedazzle are also offering 50% off on selected holiday merchandise. Its a great time to try them out. So what do you think of this month's favorites?


Monday, January 2, 2012

52 week financial challenge

Last year, I started off real well with you with documenting my first 20 something weeks of the challenge.   Though I didnt blog, I did save. If you are wondering what on earth am I talking about, click here.


Now that I have a little break with school. Well next month, I will complete my last class I will have a little more time to blog and keep track of everything I am doing on here. So I will try this with you again. Here are the rules. 



In 52 weeks you can save $1378 by saving money each week. All you need to do is save the same amount as the week you are on.


Week 1= $1
Week 2=$2 
So on and so forth. 


Feel free to add more to your savings but please addthe minimum. At the end of this challenge do what you like with the money; vacation, IRA, Saving, down payment of a car or home project. 


I will come on EVERY week to remind you to save. If you want to participate with me. 


Now, go grab your dollar, 4 quarters, or what ever you have. Put it aside!