Save Your Money, Save Your Family

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HI everyone,

It has been a few days since my last post, I am in the final stages of editing my first book.

The book cover has been designed, My Publishing Company NorLightsPress.com, they are working diligently to finish the copy editing. Once the editing is done then off to the printing press. I can hardly wait. This book comes to you from the deepest part of my heart.

My name is Toni House I was born and raised in the Southern United States, transferd to and continue to live in Northern Arizona for more than 22 years.

With the weather, the beauty and the people of Northern Arizona there is no place better.
But, to my story.

As a child my family and I lived (well as society dictates in poverty)and at a time in my childhood we were homeless, but with Gods help we always seemed to manage.

I learned very early in life to work hard, pay your way, love God, love your family ( no matter how much you hated them at moments) help and love your neighbor.

As I grew up I realized more and more that we were not like most of our classmates, we did not have many of the nicer things they had, but we did have love and happiness they did not seem to have.

I learned to not throw things away, that you always took care of what you had and you took care of others belongings better than you took care of your own.

I learned what gardening and what eating healthy was about, it was not just about food grown in your own garden, but about the process of growing your own vegetables, the tilling the dirt, mixing compost (they we made ourselves from potato peelings, weeds, tree branches etc) in the dirt. Making rows for each vegetable being planted.

The planting, praying it would rain at the right time so we would not have to water it by hand, to harvesting the vegetables to freezing and canning it to eat the rest of the year.

I learned alot about life in those very meek days. I was the oldest of 6 kids, the 3 of us and my step dad with 3, and with both parents working I become parent number 3.

It was my responsibility at the age of 10 to make breakfast(mostly oatmeal, pancakes and sometime eggs if we had them)to get everyone dressed and to the school bus, and I did everything else that a normal household has to do.

Fast forward to college, I was the first in my family to go to college, by way of working and paying for it myself(as so many of us have and continue to do)
to being successful in my own businesses and helping many others to become successful.

Until 2007 when our world changed, we all are suffering, we all are fearful, we all are worried about today, tomorrow and our future, the future of our country but mostly the future of our children.

So is the reason for me writing my book Save Your Money, Save Your Family
it truly does come from the deepest part of my heart, It goes back to my beginnings to love each other and to appreciate what you have.

Look for it in bookstores soon. Save Your Money,Save Your Family

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Save Save Save

Cover via Amazon

The free lunch lives!
Times may be tight, but here are places where you can eat, drink, play and find treasures without paying a dime.


Cars: Buy online
Did you know that many car dealerships now have two sales teams? The one you’ve traditionally dealt with helps showroom customers. The other deals with people who initiate contact and negotiate over the Internet.

Edmunds.com senior consumer advice editor Philip Reed says the traditional sales force is paid mostly by commission, which gives salespeople an incentive to get you to pay as much as possible. But Internet salespeople usually receive a salary, plus a bonus for the number of cars they sell, which motivates them to move vehicles quickly.


Result? You can save $1,500 to $2,000 on the price of a $25,000 car just by going online. Internet salespeople will send you quotes, help you find financing and even set up a test drive, Reed says. And because you don’t sit through the two-hour showroom negotiation, you’re not pressured into buying things like paint protection or a high-end alarm system.

Checking: You still can find it for free
You might have read that some banks are looking to tack on fees to make up for lost revenue after a rule goes into effect July 1 requiring banks to have customers opt in to get overdraft protection. That won’t take away free checking altogether, but you may have to look harder to make sure you don’t pay extra fees — even if that’s just a few dollars a month. Go to checking finder.com to find free checking accounts at community banks or credit unions that may actually pay you about 3 percent to 4 percent interest, as long as you make at least 10 to 15 debit card purchases and one automatic transfer or direct deposit per month.

Clothing: Rent dresses (yes, really!)
If prom is in your daughter’s future — or if you have invitations for weddings or other spring social events piling up — you may be calculating the hundreds of dollars you’re likely to spend on dresses.

Leave the money in your bank account and rent instead. Rent the Runway, a Web site started by two Harvard Business School grads, rents designer dresses from more than 40 big names (Catherine Malandrino, Doo.Ri, Lela Rose) for about 10 percent of the retail price. A $1,250 Herve Leger rents for $150; a $440 Badgley Mischka for $50. The site solves the size problem by shipping two sizes simultaneously, and it deals with wear and tear by tacking a $5 insurance charge onto each dress. After eight to 15 wears (with cleanings after each), the dresses are retired. The site just added 5,000 items to satisfy demand and will offer accessories and bridal wear, including bridesmaid dresses, in the months to come.

Insurance: Pay premiums annually
Paying insurance premiums monthly — for home, car and life policies, for example — may ease cash flow problems, but, ultimately, that could cost you more than you think. Switching from monthly to annual payments can save you money because some insurers charge fees for monthly billing.

Paying monthly, quarterly or semiannually results in what are known as “fractional premiums.” The higher cost of such premiums amounts to an annual interest charge of 9.5 percent to 29.7 percent, according to insurance broker AccuQuote. Insurers usually don’t disclose the effective annual rate of these fractional payments, but you can figure it out yourself with a calculator like the one at First Tax Solution LLC Financial Tools

Health care: Ask for a break
Even if you have good health insurance — and especially if you don’t — you’re well aware that your plan won’t pay for some services (or portions of services). You can save substantially by asking your doctor for a discount on those items, says consumer specialist Carrie McLean of eHealthInsurance. Insurance companies pay doctors and hospitals an average of only 40 percent of the full bill you’d receive if you were paying on your own, so the fact that they are willing to accept so much less than full price from insurers (including Medicare) gives you a lot of wiggle room in negotiations. “By offering to pay upfront or creating a payment plan with your doctor or hospital, you may be able to get discounts of up to 30 percent of the full charge,” McLean says. If you’re uncomfortable having a conversation about money directly with your doctor, then discuss billing with the office manager instead.


Vacation: Swap homes
A faraway vacation may seem like an extravagance in these tough economic times, but what if you didn’t have to pay for a hotel? What if you swapped houses with a colleague, college buddy, friend or family member?

That could cut the cost of the trip significantly, giving you access to a kitchen, so you can eat in and save more, and possibly a car, too. If you don’t have a friend or relative who’ll swap, Web sites such as Home Exchange.com, Roofswap.com and Intervac.com can help you find free lodging. You can get to know the homeowners and look at their homes before agreeing to swap. HomeExchange.com has approximately 30,000 listings in about 130 countries. You’ll incur some costs: To use Home Exchange.com, you must buy a three-month membership for $47.85 or a full-year membership for $119.40.

Pets: Get hands-on
Karen Halligan, author of “What Every Pet Owner Should Know,” suggests checking your pet for lumps weekly. Why? “You pick up on growths, tumors, lumps and bumps, see if their teeth are looking bad or their coat is abnormal,” she says. Catching problems early can mean the difference between an inexpensive office procedure and chemotherapy that costs thousands — and it can save your pet’s life. How do you do it? In a well-lit area, start at your pet’s head and work down to his tail. Be hands-on so you’ll get used to what your pet looks, feels and smells like when he’s healthy. Then, when something changes, you’ll know you should call the vet.

Colleges: Save while spending
Need to jump-start your child’s college fund? At upromise.com, you can sign up for rebates on everyday purchases. The money will accumulate in an account until you invest it in a 529 college savings plan or a high-yield savings account, use it to pay down a student loan or request a check to apply it toward college expenses.

Read more: http://today.msnbc.msn.com/id/35911777/ns/today-today_technology_and_money/#ixzz0iYJQvyu6

Planning Your Meals Make for a Less Expensive, Healthier and Happier Meals for Your Family. Isn't Your Family Worth It?

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Healthy eating starts with great planning. You will have won half the healthy diet battle if you have a well-stocked kitchen, a stash of quick and easy recipes, and plenty of healthy snacks.
Plan your meals by the week or even the month

One of the best ways to have a healthy diet is to prepare your own food and eat in regularly. Pick a few healthy recipes that you and your family like and build a meal schedule around them. If you have three or four meals planned per week and eat leftovers on the other nights, you will be much farther ahead than if you are eating out or having frozen dinners most nights.

Check out my web site Save Your Money Save Your Family and my book Save Your Money Save Your Family. Will be out in book stores Spring 2010

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Cranberry Date Breakfast Bars

Servings: Provides 3 dozen bars

6 ounces dried cranberries
8 ounces chopped dates
1/2 cup water
1 teaspoon vanilla extract
1 cup whole wheat flour
1 cup all purpose flour
2 cups oats old fashioned
1 cup packed brown sugar
1/2 teaspoon baking soda
1/2 teaspoon salt
1/2 cup butter
1/2 cup margarine
1 cup powdered sugar optional
1 -2 tablespoons orange juice optional
1/4 teaspoon vanilla extract


Preparation:
Pre-heat oven to 350 degrees.
In a saucepan over low heat, simmer cranberries, dates and water, stirring constantly. Simmer until all water is absorbed; remove from heat. Stir in 1 teaspoon of vanilla; set aside.

In a medium bowl, combine whole wheat flour, all-purpose flour, oats, brown sugar, baking soda and salt. Stir in butter or margarine until well blended.

Spread half of the flour mixture into ungreased 9 x 13-inch pan; bake in oven for 8 minutes.

Remove from oven and spoon cranberry/date mixture over crust; sprinkle with remaining flour mixture, pat gently.

Bake 20 to 25 minutes or until lightly browned; cool.

Optional: Combine powdered sugar, vanilla and orange juice to make a frosting. Drizzle over cereal bars.

Servings: Provides 3 dozen bars

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Oat choc pecan breakfast bar

serves 24 prep time 10min cook time 30 min

1 cup softened butter
1 cup packed brown sugar
1 cup oats quick cooking
1 cup all purpose flour
1 cup whole wheat flour
1/2 cup wheat germ toasted
4 eggs
2 cups chopped pecans
1 cup flaked coconut
1 cup semisweet chocolate chips


Directions:
In a bowl, cream the butter and brown sugar. Combine oats, flours and wheat germ; gradually add to creamed mixture. Press into a greased 13-in. x 9-in. baking pan. In a small bowl, beat eggs until foamy. Stir in pecans, coconut and chocolate chips. Spread evenly over crust.
Bake at 350° for 30-35 minutes or until edges are golden brown. Cool on a wire rack. Cut into bars. Store in the refrigerator. Yield: about 2 dozen.