After Christmas Planning : Christmas WIthout Debt Series

Christmas is over for another year, but it's time to start planning for next Christmas if you want to be able to put together a debt free holiday a year from now.

Very first thing to do is take stock of what you used this year.  How much gift wrap.  How many cards.  How much did your grocery bill go up because of special foods or baking?  How much did you spend on new clothes for holiday get togethers, gifts, and anything else related to the holidays.  Figure this amount out.  Be prepared for shock because in 2016, the average family spent nearly $1,000 on gifts alone.  (And for this exercise you will be figuring in any other expenses related to the holidays, including airline tickets home, etc.)

Taking Care of Your Health with Apps for Your Phone

FTC disclaimer:  This is a sponsored post from U.S. Cellular.  All opinions are my own.

A few years ago I went to a fitness camp.  While there, we learned about several apps that we could use to track fitness and health.  Thanks to nationwide 3G coverage, even though I was in Texas, I was able to use my U.S. Cellular phone to download some of those apps and even show others how to use the ones I had become accustomed to using.  Since then, the number of apps available have exploded in this area -- and beyond.  Back then it was mainly apps to track fitness and count calories, but now there are so many ways you can help manage your health with your mobile device.

Two useful apps in managing diabetes and watching your blood sugar are The Diabetes Tracker (cost $9.99) This app helps individuals better understand and manage their diabetes and diets.  You can track insulin and medication and set reminders to test your blood glucose.  MySugr Diabetes Logbook (free) is a great app that synchronizes health dad by Bluetooth.  This allows you to log meals and view glucose graphs.  (The MySugr app is one we learned about at the fitness camp!)

Is it better to save money or earn extra Cash?

I sometimes get asked the question if it is better to save money or to earn extra cash.

Well, honestly the answer is BOTH.  The key to being financially independent is to make all you can and save all you can.

But when it boils down to it, I say things like using coupons, when looking at dollar per dollar amount is more benefial.  Here's why:  You don't have to treat it as income.  It's not taxable.  Say you save $1,000 in the same amount of time it would take you to earn an extra $1,000.  All things are equal (providing that savings is on things you truly need.)  You don't have to pay state or federal income tax on that.

Why I believe in Giving Children REAL items instead of Toys (when appropriate)

FTC disclosure:  This post contains affiliate links.

I've always been a bargain shopper.  I also always thought the things my grandmother could do with yarn was absolutely amazing.  When I was about six, I picked up a child's toy "Learn to Crochet" kit at a garage sale for a quarter.  I took it to my grandmother's house and asked her to teach me.  She took one look at it, and threw the plastic hook in the trash and gave me a REAL one.  She said she could never crotchet using that hook and she wouldn't expect me to, nor would she teach me using such a cheap thing.  That was the first time I ever had an adult replace a toy with a real item.  Now, looking back, there is no way someone could have learned to crochet with that little kit I bought, but handing a six year old a skein of yarn and an adult crochet hook?  Absolutely a six year old can learn with the right tools. (And even easier now with youtube videos and such.)

The Trick to Finding Cheap Items for Free Super Saver Shipping at Amazon

FTC disclaimer:  This post contains affiliate links.

It seems this time of year everyone is ordering from Amazon.  I sometimes order multiple times a day if I find a good deal.  I have Prime so it's not a big deal to me.  (Hint:  This would be a good month to sign up for a free trial!)

But if you don't have Prime, sometimes you need a small item to boost your cart up to the $25 or $50 amount for free shipping.

Here are some searches that often bring up inexpensive items:

I chose to link to books because it works for book orders or other item orders.


Dover Sticker
Dover Activity books
Dover Classic Books   (some of these are as low as $1.00!)
Decorative notebooks

Five Lesser Known GREAT Christmas specials

FTC disclaimer:  This post contains affiliate links.

1.  Christmas Eve on Sesame Street.   I remember when I
was really little, in the 1970s, in the days before VCRs we used to have to try and watch for this to be on.  And the public broadcasting station always interrupted it for their fund drive, which seemed to be FOREVER.  This is another I watch every year.  Oscar the Grouch scared Big Bird about how Santa can deliver all the toys in one night, Big Bird camps out on the rooftop without telling anyone and all of Sesame Street is searching for Big Bird.  The Bert and Ernie rendition of O'Henry's classic Gift of the Magi story is fun.  Even without kids, you will find me watching this every year!

Book Review: Take Your Life Back by Stephen Arterburn

FTC disclosure:  I received a free copy of this book from the publisher in exchange for a fair and honest review.  All opinions are my own.

I have been a long time fan of books by Stephen Arterburn.  In a world of too many Christian psychology books giving pat answers, I love his approach combing true therapy answers with faith.  Take Your Life Back:  How to Stop Letting The Past and Other People Control you was once again a breath of fresh air in a genre where it seems all too many books give the answer "pray".  (While I'm not saying you shouldn't pray, there are studies and discoveries that can enrich our lives with their knowledge.)