Money Saving Monday:

Christmastime Savings on Christmas Cards - Send postcards or letters, instead of Christmas cards. In fact, you could even recycle last year's cards by cutting them in half and using it as a postcard. If you send postcards, whether purchased or homemade, remember they require less postage than a regular card! Christmas cards always go on sale better in December; this is one time when the early birds do not get the best deals. (of course you can also check just after Christmas too).

Money Saving Monday:

Financial lessons kids can take to the bank - Once children pass the age of putting money in their mouths, it's time to teach them how to manage it. The problem is many kids don't understand the value of a dollar. "When I tell my son, 'I don't have any money,' one father's response is, 'Well, just go take your card and go to the machine and get some cash out dad'. They think that there's an endless supply and you just go get it out of the machine." Plus, as soon as most children get money, they spend it on things like video games, junk food and toys. Those kinds of habit are what prompted Indiana State Treasurer Tim Berry to take a trip around the state and teach students the ABC's of money management. He recommends making a financial plan with children saving through the rule of thirds. "Saving a third long-term, saving a third for short to medium term, something they really want that they can put that saving goal with, and then spending a third on their needs today." For young children, Berry suggests getting books that teach saving in a fun way. Also, have them put loose change in a piggy bank. Then, when they get older, start an allowance. It then becomes money they earn, not just receive. Since children's views on money are patterned after their parents, teach by example. "They see something and say, 'I got to have it now', but five minutes later maybe they don't really need it. If we're not making those instinct purchases, they won't be enticed to do the same." Finally, start a savings account for your child. Have them track the deposits and interest, so they know exactly how much they're making. Then set a savings goal, like money towards college.

Children won't become savers overnight but experts say by starting young, and practicing good habits, they'll make good financial decisions when they grow up.

Money Saving Monday:

What's the price of a mistake? A new study suggests mistakes in credit reports are happening more often than you might think According to a new report by a consumer watchdog group, mistakes on consumer credit reports could be costing one in four people their good financial name. "Their reports can mix up with a total stranger, or mix up the accounts that you've actually paid or they could claim that you've got late payments that you don't really have or that you've got bankruptcies that are someone else's," says Ed Mierzwinski with the U.S. Public Information Research Group. The U.S. Public Interest Research Group surveyed 200 consumers and had them review their credit reports. Eight in ten had mistakes, but not always bad enough to damage consumer credit. "As consumers the most valuable thing we have is our good name. Hardworking, bill-paying Americans shouldn't be falsely listed as deadbeats by these powerful credit bureaus," says Mierzwinski. The credit bureaus say they don't want consumers listed that way either and have policies and procedures in place to protect consumers. Stuart Pratt with the Consumer Data Industry Association says, "We know there are not 25% of the credit reports out there that have errors that cause us to lose jobs or cause a decline for a loan. No, we can set aside a report that makes those allegations. We know we are taking the right steps today to ensure that date is accurate." Consumers can take steps as well by checking credit reports from all three credit-reporting agencies.

Under federal law, it's your right because it's your name. Reporting any mistakes on your credit report is the key to keeping your credit record clean. It could affect home buying, car buying, and loan application, basically your financial future.

Money Saving Monday:

Making your home look like a million dollars - Adding rugs, changing lampshades and moving furniture can all update the look of a room. Many people want their home to look like a million bucks, but what happens when you don't have a million to spend? Redecorating can cost a bundle, but there are many ways to have a beautiful home without breaking the bank. Adding area rugs, changing lampshades and moving furniture can all help update the look of a room. "One of the first things people can do is really re-accessorize. You get used to something sitting in the same place so to gather everything and reposition it is one way to make it new. It can create a totally different look," said one interior designer. Family snapshots, paintings and fresh flowers are also inexpensive but attractive ways to decorate. Plus, painting or adding wall covering can help to liven up a room. "Another inexpensive way to add texture is with wall covering.

Wall covering was out of favor at one point and now seems to be back in favor." Along with being attractive, designers say it's also important for homes to be comfortable. "People are looking for a lot more creature comforts. It's more important to have a comfortable home then it is to have this beautiful stately home that nobody uses." Decorators suggest the best way to save money is to plan out how you want your room to look. They say shop around to find the best deals, and talk to a decorator who can help you get the most for your money.

Money Saving Monday:

Start early! Even teaching your kids to keep their pennies in a bank can have a life long impact. Once children pass the age of putting money in their mouths, it's time to teach them how to manage it. The problem is many kids don't understand the value of a dollar. Indiana State Treasurer Tim Berry says, "When I tell my son, 'I don't have any money,' his response is, 'Well, just go take your card and go to the machine and get some cash out dad'. They think that there's an endless supply and you just go get it out of the machine." Plus, as soon as most children get money, they spend it on things like video games, junk food and toys. There's a recommended financial plan that should be done with children saving through the rule of thirds. "Saving a third long-term, saving a third for short to medium term, something they really want that they can put that saving goal with, and then spending a third on their needs today." For young children, Berry suggests getting books that teach saving in a fun way. Also, have them put loose change in a piggy bank. Then, when they get older, start an allowance. It then becomes money they earn, not just receive. Finally, start a savings account for your child. Have them track the deposits and interest, so they know exactly how much they're making. Then set a savings goal, like money towards college. Children won't become savers overnight but experts say by starting young, and practicing good habits, they'll make good financial decisions when they grow up. Crown Financial Ministries has resources available for children at their website.

Money Saving Monday:

If you're looking for a good bargain, there's a way to buy new items for a less-than-new price. More and more savvy consumers are snapping up "refurbished" products. There is an account of someone who bought a gently used X-Box for a $50 discount. He also has a TV that was sort of new. The technical term for both items is: "refurbished." Those who get the discounts say buying refurbished items works for them. Jean Chatzky of Money magazine says if handled correctly, refurbished items shouldn't have problems. "It can be a great buy for consumers. It can save anywhere from 10-50% on merchandise that's been refurbished, depending on what it is, and how lightly it was used. EB Games sells refurbished game systems. That can mean the item had minor repairs, has been factory tested and is still operable. You can also save by buying "open box" items. These products may simply have been opened, never used, and returned, but can't be sold as "new." Chatzky says before being lured by the price, consumers need to check out what kind of warranty comes with a refurbished product. "You have to make sure that you buy it in such a way and the transaction is done in such a way that there's some consumer protection standing behind you," she says.

The typical refurbished or open box warranty is half as long as a warranty on new merchandise but some companies offer more. While there's no government-regulated definition of "refurbished", those items cannot be sold as new and most times will come in plain white or brown boxes, that are clearly marked. One item experts say is not worth buying "re-conditioned" is a cell phone. Most companies offer free cell phones when you sign up for a plan, or at least have some kind of promotion for the latest technology.

Psalm 23 (for work)

The Lord is my real boss, and I shall not want. He gives me peace, when chaos is all around me. He gently reminds me to pray and do all things without murmuring and complaining. He reminds me that he is my source and not my job. He restores my sanity everyday and guides my decisions that I might honor him in all that I do.

Even though I face absurd amounts of e-mails, system crashes, unrealistic deadlines, budget cutbacks, gossiping co-workers, discriminating supervisors and an aging body that doesn't cooperate every morning, I still will not stop--- for He is with me! His presence, His peace, and His power will see me through.

He raises me up, even when they fail to promote me. He claims me as His own, even when the company threatens to let me go. His Faithfulness and love is better than any bonus check. His retirement plan beats every 401k there is! When it's all said and done, I'll be working for Him a whole lot longer and for that, I BLESS HIS NAME!

Nine today. The tenth is up to you...

1...God won't ask what kind of car you drove, He'll ask how many people you drove who didn't have transportation.
2...God won't ask the square footage of your house, He'll ask how many people you welcomed into your home.
3...God won't ask about the clothes you had in your closet, He'll ask how many you helped to clothe.
4...God won't ask what your highest salary was, He'll ask if you compromised your character to obtain it.
5...God won't ask what your job title was, He'll ask if you performed your job to the best of our ability.
6...God won't ask how many friends you had, He'll ask how many people to whom you were a friend.
7...God won't ask in what neighborhood you lived, He'll ask how you treated your neighbors.
8...God won't ask about the color of your skin, He'll ask about the content of your character.
9...God won't ask why it took you so long to seek Salvation, He'll lovingly take you to your mansion in heaven, and not to the gates of Hell.

Jesus

Jesus had no servants, yet they called Him Master.
Had no degree, yet they called Him Teacher.
Had no medicines, yet they called Him Healer.
Had no army, yet kings feared Him.
He won no military battles, yet He conquered the world.
He committed no crime, yet they crucified Him.
He was buried in a tomb, yet He lives today.
Feel honored to serve such a Leader who loves us.
May your troubles be less, your blessings be more and nothing but happiness come through your door!

Money Saving Monday:

Grocery Savings - I buy all of my veggies and fruits from a local veggie stand. They seem to be cheaper and it always has so much more flavor than the things I buy from the supermarket. I also think it is fresher too.

Spray N Wash Alternative - I use dish soap (as a Spray N Wash alternative). I just put a tad bit on and rub it in and let it sit for a little while and then throw it in the wash. It works great! But don't use too much soap or you will have a hard time getting it out of the washer.

Car Acronyms

10. AUDI - All Unnecessary Devices Installed
9. BMW - Brutal Money Waster
8. BUICK - Big Ugly Indestructible Car Killer
7. CHEVROLET - Can Hear Every Valve Rap On Long Extended Trips
6. DODGE - Drips Oil, Drops Grease Everywhere
5. FORD - Fast Only Rolling Downhill
4. GMC - Garage Man's Companion
3. HYUNDAI - Hope You Understand Nothing's Drivable And Inexpensive?
2. VW - Virtually Worthless
1 OLDSMOBILE - Old Ladies Driving Slowly Make Others Behind Infuriatingly Late Everyday.

Money Saving Monday:

Your tires can be a money-saver - There's big money to save on tires also, believe it or not, off brands are made by the big guys. One expert says, "Most of the off-brand tires that you've never heard of are manufactured by a major manufacturer such as Goodyear. So as far as the quality is concerned, you know the quality is just as good, but people have not heard of the off-brand tire." Tires are rated by the government for tread-wear, traction and temperature. It's the rating, not the brand that tells you how good a tire is. For example a Uniroyal tire with a government tread-wear rating of 500, costs $79.00 and off-brand Cordavan tire with a higher tread-wear rating costs $49.00. In this case, a set of four higher-rated off-brand tires would actually cost you $120.00 less than a set of four brand name tires.

On fuel - If you like to use mid-grade fuel, don't take it out of the mid-grade tank. Use half a tank of premium and half of regular. You'll get a higher octane than mid-grade at a lesser price.

The 11th-20th Commandments
Author Unknown

11th. Thou shalt not worry, for worry is the most unproductive of all human activities.

12th. Thou shalt not be fearful, for most of the things we fear never come to pass.

13th. Thou shalt not cross bridges before you come to them, for no one has yet succeeded in accomplishing this.

14th. Thou shalt handle only one problem at a time, and leave the others to the Lord until their turn comes up.

15th. Thou shalt not take troubles to bed with you, for they make very poor bedfellows.

16th. Thou shalt not try to carry the problems of the world on your shoulders, for nobody (except for One) has a back that is broad enough.

17th. Thou shalt be a good listener, for God often speaks to us through the mouths of others.

18th. Thou shall not try to relive yesterday; for good or ill, it is forever gone. Live in the now and rejoice in it.

19th. Thou shalt firmly dismiss feelings of frustration, for 90% of it is rooted in self-pity and will interfere with positive action.

20th. Thou shalt count thy blessings, never overlooking the smallest, for our biggest blessings are composed of many small ones.

Money Saving Monday:

Saving money on car care - The price of gas has skyrocketed and because of it your checkbook may be taking a hit. However, when it comes to prices at the pump, and your car in general, there are some ways to keep your checking account from running on empty. Forget why the price of gasoline is so high there's not much you can do about it, but there is still room to save if you know the difference between octane fact and fiction.

No name gas is as good as name brand gas. It's the same gas. The price difference between branded gas and off-brand gas can be huge, as much as 20-cents a gallon.

Now that that cat's out of the bag, here's another tip. Unless you drive one of the very few makes of cars that require premium fuel, don't buy it. "It's not necessary unless your car specifically calls for it," In fact if your car doesn't need it, it's like throwing away 20 to 25-cents per gallon.

Freedom Isn't Free
LCDR Kelly Strong, USCG

I watched the flag pass by one day.
It fluttered in the breeze.
A young Marine saluted it
And then he stood at ease.

I looked at him in uniform,
So young, so tall, so proud,
With hair cut square and eyes alert,
He'd stand out in any crowd.

I thought how many men like him
Had fallen through the years.
How many died on foreign soil?
How many mothers' tears?

How many pilots' planes shot down?
How many died at sea?
How many foxholes were soldiers' graves?
No, freedom isn't free.

I heard the sound of taps one night.
When everything was still
I listened to the bugler play
And felt a sudden chill.

I wondered just how many times
That taps had meant "Amen,"
When a flag had draped a coffin
Of a brother or a friend.

I thought of all the children,
Of the mothers and the wives,
Of fathers, sons and husbands
With interrupted lives.

I thought about a graveyard
At the bottom of the sea,
Of unmarked graves in Arlington.
No, freedom isn't free.

PUMPKINS and JESUS

P is for the People that Jesus came to save.
U is for the Unconditional love to each one He gave.
M is for the Message that we should all be sharing.
P is for the Priceless gift God above showed he is caring.
K is for the King of Kings.
I is for the Insight He brings.
N is for the Nails in His hands.
S is for our Savior who gave His life so we could stand.

So when you see a pumpkin don't think about some guy named Jack. Instead remember Jesus Christ, Lord of Lords, who is one day coming back.

Money Saving Monday:

Cleaning Lint Trap - I have no idea how many people have this problem, but even though I would clean my lint trap out, the clothes would take FORVER to dry! Well, I pull the lint trap out, washed it with a toothbrush and dish soap, to clean and clear the holes out and now I don't have any more problems! My clothes get dry faster PLUS it is saving on our electric bill!

Money Saving Monday:

Easy Natural Cleaner - I use this for everything! It works great for floors, cupboards and walls. If you add some salt to it, its a great bathtub cleaner! Spray bottle fill with 1/2 water and 1/2 vinegar and add a few drops of tea tree oil To clean the bathtub I spray it on the tub and then sprinkle the salt on and just scrub away. IT gets everything off. It works well for rusty water and it leaves the house smelling awesome.

Money Saving Monday:

Buying a New Vehicle - When buying a new vehicle, use the internet web sites www.kbb.com and www.edmunds.com to find out the MSRP and invoice price of the vehicle. The websites will let you compare vehicles and even give you rebate information. You can also requests quotes on-line and use them to get a lower price on the vehicle at your local dealership. (When requesting on-line quotes, use your husband's/man's name as dealerships tend to give better pricing to men!!! Just request to contacted by email only.) I just bought a Nissan Altima with all the options/color I wanted for $2500 under invoice with no face-to-face haggling! What a great deal!

-- Brenda, 38

Money Saving Monday:

Soap Dispensers - Buy inexpensive bubble bath and use it to fill your bathroom soap dispensers. The bubble bath often comes in great scents and you get four times as much soap for your hard earned money.

-- Alexandria, 37

Snack Keepers - Looking for the perfect snack cups? My boys love to eat cereal, snacks, even ice cream and yogurt out of single serve fruit, applesauce and jello cups. After eating their applesauce, jello or fruit, I stick the cups in the dishwasher and we use them over and over. Perfect for young kids and small portions. They're also great for paint and art projects.

-- Tara, 33

Money Saving Monday:

Leftovers - Don't throw away those ends of a loaf of bread! Instead freeze them to make croutons and stuffing. For croutons: Cut bread into squares and toss with some Italian dressing, then bake (350) till crispy and you have great tasting croutons.

-- Christy, 38

Car Buying - I totally agree with the tip about arming yourself with info before shopping for a new car and I would like to add that you should check the value of your trade in at bluebook.com as well. I went in the dealership with a toddler in tow and walked out with a deal that you would not beleive! I had the info behind me and and kept saying, "that is just not my price." I stood my ground and was more than prepared to walk away. It took saying it MULTIPLE TIMES so GET UP AND WALK TOWARD THE DOOR!

-- Lisa, 40

Money Saving Monday:

Meat Shopping - My favorite is deal is on buying meat. I go to the grocery store early in the morning and go directly to the meat department. I look for the reduced meats. They may have the sell-by date the day you are there, but they're not outdated. I buy what I need and put it in the freezer. I save from $1.00 up to $5.00.
-- Brenda, 56

Scrapbooking - Sometimes we buy a sheet of stickers because there are 1 or 2 on it that we want. So, when getting together with other scrapbookers, bring stickers you don't want and have a sticker swap meet. It saves you money and having to hang on to stickers you may never use.
-- Sue, 48

As heard on Southern Majesty:


Click to download stamps_baxter.mp3.

The Pastor's Wife
Donna Golden

We often hear of Hero's
on the news at night
how someone went into a fire
to save someone else's life

BUT, there's another Hero
that we never hear about
though her love and dedication
are never in a doubt

Often took for granted
never glorified
still she keeps on going
for the person by her side

She stands beside him everyday
no matter what is thrown their way
for he was called from above
to spread the message of GODS' LOVE

and just as he was called
she was hand picked too
for it takes someone special
to do what she must do

and though he may get the glory
and he may get the fame
she will stand beside him with love
and help him just the same

she is the person he turns to
when he needs a friend
she will always be there
to the glorious end

I would like to take this moment to introduce to you
a Lovely unsung hero for whom
GOD handpicked to spend her life
as the pastor's WIFE

Money Saving Monday:

Dryer Sheet Replacement - I started using 1/2 cup to a cup of white vinegar in the rinse cycle. It cuts the residue of the soap and is a deodorizer. It will make 'em soft and smell clean. The vinegar smell goes away when they dry, there is no odor. It's also color safe. It also works well if you are allergic to traditional fabric softener products.

Cell Phone vs. Bible

I wonder what would happen if we treated our Bible like we treat our cell phones.
What if we carried it around in our purses or pockets?
What if we turned back to go get it if we forgot it?
What if we flipped through it several times a day?
What if we used it to receive messages from the text?
What if we treated it like we couldn't live without it?
What if we gave it to kids as gifts?
What if we used it as we traveled?
What if we used it in case of an emergency?
What if we upgraded it to get the latest version?
I was thinking on my way home, got touched by the spirit, so I wrote this so you can hear it. Its just something to think about. Something to make you say hmmmmmmmmmmmmm, and where is my Bible?

Money Saving Monday:

One thing we've started to do to save money on restaurant food: take out. We call in the order and my husband will go pick it up. We don't spend money on drinks, tips or dessert. A meal in the restaurant that averages $30 could be as low as $18 when picked up and eaten at home. -- When eating fast food I have been known to order a kids meal for myself. It's big enough to satisfy me. Have you seen the Taco Bell kids meal? It's too much for a kid: 2 soft tacos, cinnamon twist, a drink, and nachos and cheese.

Money Saving Monday:

Cheap Road Trip Ideas - Think about taking your crockpot packed full of a couple of menus you plan ahead for use in the hotel. For the lunches just start them before you go to bed on low. My husband did this on his last business trip. It worked really well since he could do about anything he wanted during the day and still come home to a full meal already cooked.

Cheap Meals - About the cheapest meal that I know of is Fideo. It's kind of a Mexican spaghetti. A package in the hispanic section costs 47 cents. Fry it for a minute or so in oil or crisco, then add one 8 ounce can of tomato sauce - 25 cents- and 2 cans water. Let it boil about 7 minutes, and it's done. Kids love it! Cheese on top is good, but it isn't necessary if you can't afford it. This also goes well with pinto beans. You can cook them in the crock pot all day and then mash them and you have a great protein for about 50 cents.

10 Things you will never have to worry about:

10. The Bible still has the answers.
9. Prayer still works.
8. The Spirit can still move.
7. God still inhabits praise.
6. There is still anointed preaching.
5. There is still anointed singing.
4. God still pours out blessings.
3. There's still room at the cross.
2. Jesus still loves you.
1. Jesus still saves.

Money Saving Monday:

Broken Crayons - Preheat your oven to 275 degrees. Gather your broken crayons and peel the paper off of them. Break any large crayon pieces so none are longer than an inch long. Line the cups of a muffin tin with aluminum foil or baking cups. Place crayon pieces in each cup of the muffin tin. You may use only one color per cup or combine colors. Place the muffin tin in the oven and bake it for approximately 10 minutes. Remove the tin from the oven and allow it to cool completely. Take each cup out and remove the paper or foil from your new crayons.

Homemade Weed Killer - In a tall spray bottle put the following: Vinegar (full-strength) Salt (about 1 tsp) Dish soap (just a few drops) This really works! But use caution - it will kill plants, flowers, etc.

You Will Never Be Sorry For...
Author Unknown

Living a white life.
Hearing before judging.
Being candid and frank.
Thinking before speaking.
Harboring clean thoughts.
Discounting the talebearer.
Standing by your principles.
Stopping your ears to gossip.
Asking pardon when in error.
Being as courteous as a duke.
The influence of high motives.
Bridling a slanderous tongue.
Being generous with an enemy.
Being square in business deals.
Sympathizing with the oppressed.
Giving an unfortunate fellow a lift.
Being patient with cranky neighbors.
Promptness in keeping promises.
Putting the best possible construction upon the doings of others.

YOU KNOW YOU ARE IN THE SUMMERTIME WHEN...

10. The birds have to use potholders to pull worms out of the ground.

9. The best parking place is determined by shade instead of distance.

8. Hot water now comes out of both taps.

7. You can make sun tea instantly.

6. You learn that a seat belt buckle makes a pretty good branding iron.

5. You actually burn your hand opening the car door.

4. You realize that asphalt has a liquid state.

3. You break into a sweat the instant you step outside at 7:30 a.m.

2. The potatoes cook underground, so all you have to do is pull one out and add butter, salt and pepper.

1. Your biggest bicycle wreck fear is, "What if I get knocked out and end up lying on the pavement and cook to death?"

Money Saving Monday:

Cheaper Popcorn - My neighbor said that they now buy the bags of popcorn kernels and pop it themselves on the stove. I did this and bought it from Cub for 2/$3.00. It only takes 3 Tbls. of oil and 1/3 cup of kernels in the pot. That's hardly anything from the bag, and it popped a huge pot of popcorn! It tasted great and the kids loved it too! -- This is how I make my own microwave popcorn from those kernel bags. Take one small brown paper bag dump in approx. 1/3 cup of kernels, fold the end over a couple of times and pop in microwave on the popcorn setting.

The day started out rotten. She overslept and was late for work.

Everything that happened at the office contributed to her nervous frenzy. By the time she reached the bus stop for her homeward trip, her stomach was one big knot.

As usual, the bus was late and jammed. She had to stand in the aisle.

As the lurching vehicle pulled her in all directions, her gloom deepened.

Then she heard a voice from up front boom, "Beautiful day, isn't it?"

Because of the crowd, she could not see the man, but she heard him as he continued to comment on the spring scenery, calling attention to each approaching landmark. This church. That park. This cemetery.

That firehouse. Soon all the passengers were gazing out the windows.

The man's enthusiasm was so contagious she found herself smiling for the first time that day.

They reached her stop. Maneuvering toward the door, she got a look at their "guide": an older gentleman with a beard, wearing dark glasses and carrying a thin, white cane.

Money Saving Monday:

Kids Art - The greatest way I have found to keep up with all of my son's art projects is to keep them in old pizza boxes. I take the ones that stayed clean, spray paint or contact paper them, and they are great for keeping art projects without crushing or bending them. They are a great space-saving way too, you can stack them high without crushing or turn them on end like books. You can also write dates or ages on the side.

-- Melany, 45

It Worked for Me - Teething - I used to squeeze water into my son's pacifier and put it in the freezer until it was nearly frozen. When he was cutting his front teeth it would calm him right down if they were bugging him, and he loved it. I would rotate them out so I always had a fresh one for him. NOTE: Never freeze them solid though because it can damage the rubber or silicone if it gets frozen solid.

The little child whispered, "God, speak to me" And a meadowlark sang. But the child did not hear.

So the child yelled, God, speak to me!" And the thunder rolled across the sky But the child did not listen.

The child looked around and said, "God let me see you" And a star shone brightly But the child did not notice.

And the child shouted, God show me a miracle!" And a life was born But the child did not know.

So the child cried out in despair, "Touch me God, and let me know you are here!" Where upon God reached down touched the child. But the child brushed the butterfly away And walked away unknowingly.

Often times, the things we seek are right underneath our noses. Don't miss out on your blessing because it isn't packaged the way that you expect.

Take Your Time - Author Unknown

Have you ever watched kids on a merry-go-round, or listened to rain slapping the ground? Ever followed a butterfly's erratic flight, or gazed at the sun fading into the night? You better slow down, don't dance so fast, time is short, the music won't last.

Do you run through each day on the fly, When you ask "How are you?", do you hear the reply? When the day is done, do you lie in your bed, with the next hundred chores running through your head? You better slow down, don't dance so fast, time is short, the music won't last.

Ever told your child, we'll do it tomorrow, and in your haste not see his sorrow? Ever lost touch, let a good friendship die, 'cause you never had time to call and say "hi"? You better slow down, don't dance so fast, time is short, the music won't last.

When you run so fast to get somewhere, you miss half the fun of getting there. When you worry and hurry through your day, it's like an unopened gift thrown away. Life is not a race, so take it slower, hear the music, before the song is over.

Money Saving Monday:

Fabric Softener Instead of buying a new bottle of liquid fabric softener all the time, use this great tip. Take an old towel that is ready for the rag pile and cut the usable parts into the size of a fabric softener sheet. Take 2 or 3 of the "sheets" and put them in a bowl and cover with liquid fabric softener and let sit for about a half an hour. Take the "sheets" out and squeeze all the fabric softener out and put back in the bottle. Hang the "sheets" over your over door or wherever you dry things and let dry completely. One "sheet" will do at least 20 loads of clothes. This "sheet" does not leave spots on sweatshirts, etc. It works great and you only need to buy a bottle of fabric softener once every 3-4 years. Talk about saving money. It's awesome.

-- Connie, 47

A Matter of Trust - Author Unknown

A young boy knocked on the door of a lady's house and asked if she would to buy some of the berries he had just picked. "Yes," she said, "and I'll take your pail into the kitchen and measure out two quarts."

The boy stood outside and played with the dog. "Why don't you come in and see that I measure your berries right?" inquired the lady. "How do you know that I may not cheat you?"

"I am not afraid," replied the boy", for you would get the worst of it." "Get the worst of it," replied the lady, "what do you mean by that"."Why said the boy "I'd only lose the berries; you would be a thief !"

The Whisper - Author Unknown

A child's love is like a whisper,
given in little ways we do not hear.
But if you listen closely it will be very clear.
They often do not say it loud,
but in how they come to you...
Daddy, will you play with me?
Mommy, tie my shoe?
The many ways they tell you,
changes as they grow.
Dad, I made the team today!
Mom, I've Got to go!
Pop, I need some money,
You see there's...this girl at school.
Mama, I met a boy today
and Wow, he's so cool!
Dad, I've got something to tell you...
I think she is the one!
Mom, he asked me to marry him.
Would you love him as your son?
Dad, I've got some news for you...
It's going to be a boy!
Mom, I'm kind of scared of this,
yet I'm filled with joy!
A child's love is like a whisper,
given in little ways we do not hear.
But if you listen closely,
it will be very clear.
They often do not say it loud,
but in how they come to you...
Grandpa, will you play with me?
Grandma, tie my shoe?
It is never ending.
A blessing from above.
Listen to the whispers of a child's love.

Money Saving Monday:

Cleaning - Rather than buying the more expensive Windex glass cleaner, just buy a spray bottle (or use an empty Windex one) and a bottle of white vinegar. Mix ¼ cup vinegar with 1 cup water and get cleaning. This solutions works just as great as Windex at just a fraction of the cost.
-- Michelle, 30

Swapping Toys - My sister and I like to swap toys to save money on buying the new expensive toys. Our kids are similar in age and get tired of playing with the same toys so it's like getting a new toy! We swap for a couple of months and then trade for something else. It also works for DVDs.
-- Stephanie, 31

Funny
Author Unknown

Funny how simple it is for people to trash God and then wonder why the world's going to hell.

Funny how we believe what the newspapers say, but question what the Bible says.

Funny how everyone wants to go to heaven provided they do not have to believe, think, say, or do anything the Bible says.

Funny how someone can say "I believe in God" but still follow Satan (who, by the way, also "believes" God).

Funny how you can send a thousand 'jokes' through e-mail and they spread like wildfire, but when you start sending messages regarding the Lord, people think twice about sharing.

Funny how the lewd, crude, vulgar and obscene pass freely through cyberspace, but the public discussion of Jesus is suppressed in the school and workplace.

Funny how someone can be so fired up for Christ on Sunday, but be an invisible Christian the rest of the week.

Funny how we can be more worried about what other people think of us than what God thinks of us.

It's not so funny.

Words of Motherly Wisdom

LITTLE MISS MUFFET'S MOTHER
"Well, all I've got to say is if you don't get off your tuffet and start cleaning your room, there'll be a lot more spiders around here!"

ALBERT EINSTEIN'S MOTHER
"But, Albert, it's your senior picture. Can't you do something about your hair? Styling gel, mousse, something...?"

GEORGE WASHINGTON'S MOTHER
"The next time I catch you throwing money across the Potomac, you can kiss your allowance good-bye!"

Hilarious Words of Motherly Wisdom

MICHELANGELO'S MOTHER
"Mike, can't you paint on walls like other children? Do you have any idea how hard it is to get that stuff off the ceiling?"

NAPOLEON'S MOTHER
"All right, Napoleon. If you aren't hiding your report card inside your jacket, then take your hand out of there and prove it!"

CUSTER'S MOTHER
"Now, George, remember what I told you -- don't go biting off more than you can chew!"

ABRAHAM LINCOLN'S MOTHER
"Again with the stovepipe hat, Abe? Can't you just wear a baseball cap like the other kids?"

QUOTE OF THE DAY

Be more concerned with what God thinks about you than what people think about you.

Words of Motherly Wisdom

PAUL REVERE'S MOTHER
"I don't care where you think you have to go, young man. Midnight is past your curfew!"

COLUMBUS' MOTHER
"I don't care what you've discovered, Christopher. You still could have written!"

Money Saving Monday:

Don't Throw it Away - This may sound silly, but works great. Instead of throwing away pantyhose after wearing them only a few times. Cut them into bands. They are stretchy, washable and very practical. I use them to tie my hair, secure shoeboxes, making cabinets inaccessable by banding knobs together, hang small toys from stroller, etc. Use they same way you would use rubber bands but soo much better!
-- Linda, 44

Organization - I buy the small Easter buckets from the $1 spot at Target (the little metal bright colored ones) and use them for crayons, markers, scissors and other art supplies for my 3 year old. We wait until just after the season and can usually get them on sale at 4 for $1. We also used the little buckets for for hair ribbons, pony tail holders and barrets. We also buy extra buckets to fill with inexpensive or clearanced art supplies and give as gifts.

-- Julie, 38

FOOD FACTOID

The cashew is part of a fruit that grows in tropical regions called 'a cashew apple'. After harvesting, the cashew apple keeps for only 24 hours before the soft fruit deteriorates. The cashew apple is not commercially important since it spoils quickly, but local people love the fruit. To harvest the nut, the ripe apple is allowed to fall to the ground where natives easily gather it. The apple and nut are separated.

Actual Analogies and Metaphors Found in High School Essays:

The plan was simple, like my brother-in-law Phil. But unlike Phil, this plan just might work.

The young fighter had a hungry look, the kind you get from not eating for a while.

He was as lame as a duck. Not the metaphorical lame duck, either, but a real duck that was actually lame...maybe from stepping on a land mine or something.

Actual Analogies and Metaphors Found in High School Essays:

The little boat gently drifted across the pond exactly the way a bowling ball wouldn't.

From the attic came an unearthly howl. The whole scene had an eerie, surreal quality, like when you're on vacation in another city and Jeopardy comes on at 7:00 p.m. instead of 7:30.

John and Mary had never met. They were like two hummingbirds who had also never met.

Shots rang out, as shots are wont to do.

QUOTE OF THE DAY

You can win more friends with your ears than with your mouth. -- Author Unknown

DEBUNKING THE MYTH - FACTOID

Allodoxaphobia is the fear of opinions.

Everyone had an uncle who tried to steal their nose.

In every plate of potato chips there is a bad chip.

Knowledge is knowing a tomato is a fruit; Wisdom is not putting it in a fruit salad!!!!

QUOTE OF THE DAY

There's no point in burying the hatchet if you're going to put up a marker on the site. -- Sydney J. Harris

---DID YOU KNOW--- Mary Surratt

Mary Surratt was the first woman executed by the US federal government. She was hanged for conspiring to assassinate President Abraham Lincoln. Surratt allegedly delivered packages to the Surrattsville tavern that were given to John Wilkes Booth to aid in his escape. When prosecuted, Surratt maintained her innocence, said she knew nothing of Booth's plans, and claimed that her trips to Surrattsville had to do with collecting money owed to her.

Did you ever stop to ask what a yoke is really for? Is it to be a burden to the animal which wears it? It is just the opposite: it is to make its burden light. Attached to the oxen in any other way than by a yoke, the plow would be intolerable; worked by means of a yoke, it is light. A yoke is not an instrument of torture; it is an instrument of mercy. It is not a malicious contrivance for making work hard; it is a gentle device to make hard labor light. [Christ] knew the difference between a smooth yoke and a rough one, a bad fit and a good one...The rough yoke galled, and the burden was heavy; the smooth yoke caused no pain, and the load was lightly drawn. The badly fitted harness was a misery; the well fitted collar was "easy". And what was the "burden"? It was not some special burden laid upon the Christian, some unique infliction that they alone must bear. It was what all men bear: it was simply life, human life itself, the general burden of life which all must carry with them from the cradle to the grave. Christ saw that men took life painfully. To some it was a weariness, to others failure, to many a tragedy, to all a struggle and a pain. How to carry this burden of life had been the whole world's problem. And here is Christ's solution: "Carry it as I do. Take life as I take it. Look at it from my point of view. Interpret it upon my principles. Take my yoke and learn of me, and you will find it easy. For my yoke is easy, sits right upon the shoulders, and therefore my burden is light."...Henry Drummond (1851-1897), Pax Vobiscum

Money Saving Monday: Homemade Room Deodorizer Combine: 1 C. vinegar, 1 tsp. cinnamon, 1 tsp. ground cloves and 1 tsp. allspice. Combine all ingredients in a microwave-safe dish and heat until almost boiling. Set out in the room, & soon the room will be odor-free. This will reduce both food and cigarette smoke odors.

A mother took her three-year-old daughter to church for the first time. The church lights were lowered, and then the choir came down the aisle, carrying lighted candles.

All was quiet until the little one started to sing in a loud voice, Happy birthday to you, Happy birthday to you...

---DID YOU KNOW---About how much does a NASCAR Nextel Cup car cost?

From the ground up, including the engine, a race-ready Nextel Cup car costs about $125,000 to build.

How To Tell When Foodstuffs Should Be Tossed:

Canned Goods - Any canned good that has become the shape or size of a basketball should be disposed of carefully.

Carrots - A carrot that you can tie in a clove hitch is not fresh.

Bottled Pop - It should not taste like salad dressing.

DEBUNKING THE MYTH - FACTOID

Who invented ice cream? "The origins of ice cream can be traced back to at least the 4th century B.C. Early references include the Roman emperor Nero (A.D. 37-68) who ordered ice to be brought from the mountains and combined with fruit toppings, and King Tang (A.D. 618-97) of Shang, China who had a method of creating ice and milk concoctions."

QUOTE OF THE DAY

We should give God the same place in our hearts that He holds in the universe -- Author Unknown

Listen to part 1 of the interview with Babbie Mason
Listen to part 2 of the interview with Babbie Mason

Money Saving Monday: Outlet Stores If shopping at Outlet Malls makes you feel better about spending money, beware! Recently, Consumer Reports conducted an undercover operation at hundreds of outlet stores across the country. They found that only one third of shoppers buy things at a bargain. Only a third! Consumer Reports recommends hitting the outlets around opening time in the mornings, shopping mid-week instead of on weekends or go at dinnertime to find the best deals on "irregulars."

Money Saving Monday: Diaper Rash Scorched flour works better than baby powder on a baby's bottom when they have diaper rash. Put a layer of flour on a baking pan and put it in the oven on broil. Stir it every now and again and it is done when it turns brown. It really stinks, so beware -- but it does work. This has been passed down for many years.

Latte at Home A friend of mine just told me how to make lattes at home. Steam your milk in the microwave, buy some coffee flavoring (I bought vanilla for 3.50 at the store) and make really strong coffee (almost like mud, for an expresso shot). With all of these together I think I can make about 50 cups of latte for under $10.

SPRING CLEANING TIP

Stop yellowing of white appliances. Mix 1/2 cup bleach, 1/4 cup baking soda and 4 cups of warm water. Apply with a sponge and let set for 10 minutes. Rinse and dry thoroughly.

DEBUNKING THE MYTH - FACTOID

Think back to when you were younger and an adult caught you pretending to be cross-eyed. Remember how they would claim that your eyes would get stuck that way? Well, guess what? They won't. Dr. Anne Sumers once again saves the day, "You may look funny when you cross your eyes, but your pupils will be just fine. People with perpetually crossed eyes aren't being punished for making goofy faces. Rather, faulty messages from their brain cause these individuals' eyes to be misaligned."

DEBUNKING THE MYTH - FACTOID

Remember being told, "Sitting too close to the television will severely damage your eyes." You can sit as close to the television as you want. It won't ruin your vision. According to Anne Sumers, M.D., a spokesperson for the American Academy of Ophthalmology, "It may fatigue your eyes temporarily, but it's not bad for them. The same goes for reading without adequate light. The fact that people's eyes get worse each year is simply attributable to the aging eye."

Letting Go of Resentments - Author Unknown

It is so often the little things that finally divide people- words spoken in haste; criticisms; accusations; resentments. And once divided, they may never come together again. The solution, of course, is to let it go. There is really nothing particularly profound about learning to let go of little resentments. But for fulfilling and lasting relationships, letting them go is a must. Refuse to carry around bitterness and you may be surprised at how much energy you have left for building bonds with those you love.

DEBUNKING THE MYTH - FACTOID

Good news knuckle crackers, your habitual cracking and popping does not cause arthritis. "The 'cracking' is actually caused by the bursting of a bubble of nitrogen that forms inside the joint when the joint moves," says John Klippel, M.D., medical director of the Arthritis Foundation. "Popping your knuckles may be annoying to others, but it doesn't cause arthritis, enlarged joints or musculoskeletal problems." As Cartman would say, "Whatever! I do what I want!" And so we shall.

---DID YOU KNOW---Who invented scuba diving?

Jacques-Yves Cousteau and Emile Gagnan, during 1942 -43, redesigned a pressure regulator Gagnan had originally designed to allow automobiles to run on vegetable oil because of petroleum shortages in WWII. The redesigned regulator would automatically provide compressed air to a diver at the proper pressure to counter balance the pressure of the water on his chest. They improved the designs of other diving equipment. Their regulator was connected to three cylinders, each holding 2,500 psi of air. They called the equipment with the pressure regulator, the "Aqua-lung." The "Aqua-lung" is the basis for modern equipment used today, most historians consider Gagnan and Cousteau to be the fathers of modern scuba diving gear.

Money Saving Monday: Envelopes Have you ever accidentally sealed an envelope and then think of something you need to add to it? Put the envelope in the freezer for a few hours, then slide a knife under the flap. The envelope can then be resealed.
-- Tonia, 32

Birthday Parties I recently learned of some great birthday gift ideas for parents concerned about their kids having too many toys. A couple of ideas are movie tickets, tickets to special events like Disney on Ice, or vouchers for free lessons (art or piano classes). My absolute favorite (and fairly frugal) idea was taping Chuck E. Cheese tokens inside a birthday card. It doesn't take up a lot of space and kids love it.
-- Stephanie, 31

From BreakPoint with Charles Colson >> In one aisle, the local computer store sells a single CD for between $99 and $299. In the next aisle, they carry multi-pack CDs for less than a dollar per disc. Why the drastic price discrepancy? They're both made of the same plastic. The difference is, of course, that the cheap compact discs are blank -- while the expensive ones are encoded with various versions of Microsoft's Windows XP operating system. The analogy for explaining the difference is the chemist who calculated the value of the chemicals in his body. Computing the cost of the carbon, iron, calcium, and the other elemental chemicals on the periodic table of the elements -- he found his body was worth ninety-seven cents. But that's not the way the chemicals appear in living bodies. When he calculated the value of the hemoglobin, insulin, and other complex organic compounds that actually composed his body, he realized he was worth more than $6 million! That's what the body's programming does. It's information technology from the DNA, which is why many scientists are now talking about Intelligent Design of the body.

Audio >> Daniel Britt talks to Sonya Isaacs of the Isaacs

What's Cooking: Amish Macaroni & Cheese
1 (16 ounces) container cottage cheese (I use low fat)
16 ounces uncooked elbow macaroni
16 ounces water
16 ounces shredded cheddar cheese
-----
Put Cottage Cheese in 9 x 13 cake pan. Add Macaroni. Add Water. Add shredded cheese. Stir together. Place in preheated 300* oven. Take out after 30 minutes and stir. Place back into oven for 30 more minutes (make sure you check it every few minutes after another 20 minutes because you do not want to overbake it or it will dry out).

Money Saving Monday: Drying Clothes>> I can tell you there is a huge difference in my electric bill since my dryer went out and I have HAD to hang everything to dry. There is a nearly $35 decrease in my bill since not using the dryer! When I do get it fixed, I will probably still hang most things and then just run them through on a low cycle to remove lint and pet hair!...

Mattress Pads>> When your mattress pad gets worn out and the edges start tearing off, cut them apart and make smaller pads for cribs, pack and plays, or twin beds. Cut them to size of the bed and stitch around the edge. Works wonderfully Or, use as quilt batting.

Money Saving Monday: Curtain Liner Recycling Save those old shower curtain liners! They make good covers for your table when your kids are doing crafts. Use it under your picnic blanket, or toss in in your trunk for sitting on wet bleachers, etc. (cut it down as needed). They also make nice drop cloths for when your painting or staining something.

Money Saving Monday: Tired of those stinky diaper pails? Use your avid hunter's descent spray after cleaning diaper pail with your favorite cleaner and water and the smell disappears! This has saved me from replacing it several times now.
-- Cindy, age 36

Foam Hand Soap I had one of those foam soap bottles that ran out. I just refill it with a small amount of soap (1/3 full) and the rest with water. Shake it really well to mix together. I can't tell a difference between the original and what I have been making up.
-- C.G.

Money Saving Monday: We just bought a house in which the previous owners were HUGE fans of wallpaper borders! One in EVERY room! Spray window cleaner (Windex, Zep, or generic) works better than any store-bought wallpaper remover. You can either score the wallpaper, then spray on the window cleaner - or - begin peeling the patterned layer off (leaving the glue paper backing), then just spray and peel!
-- Brenda, 35

Air Freshener: I bought those "tree" air freshners you hang in your car and hadn't gotten around to putting in the car yet when the thought came to my mind to hang them around the house. I hung one in the bedroom from the window latch and also one in the living room. The rooms smell so fresh and it only cost me $1.00 for two of them. The previous week I had purchased your regular name brand freshners. You can hardly smell them and they cost about twice as much.
-- Cindy, 46