Thursday, December 21, 2017

6 Fabulous Christmas Gifts for Women Over 60

Five Easy Ways to Help Others at Christmas Time

1) Make a donation to your local food bank to help the hungry in your community. Or help pack food boxes or serve the holiday meal to local homeless people.

2. Gifts for Kids: Select a gift tag for a child from one of the Christmas tree displays in your local store and purchase the gift the child asked for.

3. Coat drives. If you live in an area with cold weather, then please consider donating a warm coat or two (scarves, mittens and gloves, and warm hats are needed too), to your local coat drive.

4. Recycle. Reduce. Reuse. For the planet and for you. Because it's a good thing to do, especially now during the holiday season when there is so much waste.

5. Donate school supplies to needy children in your cities schools.

What I Want For Christmas

What I want for Christmas This Year:

No more hunger anywhere

.Hunger is still the number one killer in our world today.

1/3 of the worlds hungry people live in India, and 5 Indians die every minute from hunger. Hunger is the number 1 killer in India.

1.02 billion people around the globe do not have enough to eat.

Each and every year 15 million children die of hunger, with over 16,000 children dying every day from hunger related causes.

More than 60% of the chronically hungry people on the planet are women.

This situation, with people dying of hunger everyday, is simply unacceptable to me and to most people on the planet I would hope.

I have never been seriously hungry because even during my times of greatest financial hardship I had places and people to turn to for help.

However the majority of hungry people on earth today have nowhere to turn to and no one to help them. 
Unless we do. You and I. Help feed hungry people wherever and whenever we can. And without sermons or judgement. Just food to feed their hunger.

Can one person make a difference? Certainly.  For the people you give food to, you may be the reason they did not go to sleep tonight crying from hunger. You may even save a life. 

If you can do nothing else, then please consider donating a box of food to your local food bank. 

There are hungry people, including hungry children, in your own city who are going to sleep with an empty belly unless someone like you helps them. Today.

You can also click on the hunger sites, or play the free rice game to feed hungry people, as listed immediately below. One click brings food to hungry people around the world. Please click everyday. Your click makes a difference.

One Click at a Time. Click these sites daily to donate food to the hungry.

Hunger in America and how you can help:

Another  great program feeding hungry people that needs our help. 

Food For The Poor. Please help.

Monday, December 11, 2017

Christmas on a Budget Can Still Be Great

Many people have so little money to spend on just the basics that when Christmas comes along it's often a real struggle to buy presents, get a tree, decorate the house or all the other things during the Christmas season that you really want to do. In this article which comes from Christmas Joy When You're Broke from the wonderful blog: All in All, are a few suggestions for having a great Christmas on a budget.

How do those of us without a money tree make Christmas special, memorable, and fun for our families

Simply Amazing Christmas means slowing down, being still and enjoying the moment, holding our children tightly, speaking kind words, being thankful, and remembering the love that makes Christmas peace possible. 

Now, let's enjoy a simply amazing holiday. Here are some ways to celebrate Christmas without breaking the bank:

Set a budget for Christmas presents and stick with it. Let your family members know what the budget will be so they can adjust their expectations accordingly.

Be sure to budget all of the other things that go along with the holidays such as cookie baking, travel, Christmas pictures, Christmas cards and postage, pet boarding if traveling, decorations, holiday meals, holiday parties, extra gifts for gift office/school exchanges and teachers, holiday tips, etc.

Save all year long! Check with your bank to see what kind of savings club accounts they offer. You can deposit a small amount from each pay check into your Christmas club savings account and then you'll receive a payout plus interest when you're ready to begin Christmas shopping. So smart!

Volunteer. Do some research to see what homeless shelters, food banks, animal shelters, and ministries need donations and volunteers during the Christmas season. Make volunteering a part of your family Christmas tradition!

Attend a Christmas church service. If you belong to a church that will be holding a special Christmas service, be there! If you do not, then find one! If you love Christmas Eve services and your church isn't having one, don't write your pastor a complaint letter (like, seriously don't) just find another church to visit on that night. Christmas services are a wonderful way to reflect and focus on the true meaning of Christmas.

Go Christmas caroling! This is so much fun and is a wonderful way to bring joy to others. Invite friends to meet at your house and ask them to bring a few dozen cookies to share. Split them up onto paper Christmas plates, wrap them well, then head out to a few location to sing and deliver cookies! Check with nursing homes and hospitals to see about caroling there and treating the staff to Christmas cookies. After the caroling, head back to your house to relax with your friends. Play Christmas music, eat cookies, and drink hot chocolate. Fun!

Shop consignment sales for gently used toys that your kids will love.

Give homemade gifts. Are you crafty? Make special gifts for friends, family, and teachers! Do you like to bake? Then make some awesome goodies, pack them in recycles cookie tins, tie them up with pretty ribbon, and deliver the yummy Christmas treats!

Play Christmas music. This may sound silly simple, but playing Christmas music costs nothing and adds a wonderful feeling to your home around the holidays.

Buy Christmas decorations... on December 26th! I have always made it a tradition to buy Christmas decorations and wrapping paper the day after Christmas at 50-75% off. Then I store the items until the next Christmas. By then I've forgotten what I purchased an opening the bags up is super exciting!

Do an Advent Calendar. Again, so simple, but really fun! You can make an Advent Calendar with your kids or buy one at the store. It is something simple and sweet to celebrate each day of December leading up to Christmas.

Have a Christmas movie night each week in December. Pull out some Christmas treats, get into your Christmas pjs, and have fun with Christmas classics like White Christmas, Miracle on 34th Street, and even Elf!

Wrap up 24 Christmas books in Christmas wrapping paper and read one each night of December. On Christmas morning read the Christmas story from the Bible before opening presents and say a prayer together as a family.

Cash in lose change. Do you have jars of change sitting around the house? Cash them in! It's surprising how coins can add up. Use the cash for presents or other items needed during the holidays.

Deliver some smiles! On Christmas morning after opening presents, visit a few places where people have to work that day and deliver some cookies and thank them for their service. Think about gas station attendants, nurses and doctors in hospitals, nursing home staff, etc.

Have a family game night. Pop some popcorn and enjoy some fun interaction with your family over some games. Be sure to play some Christmas music in the background!

Start a giant jigsaw puzzle on December 1st. Everyone in the family can work on the puzzle throughout the month.

Go for a drive and enjoy the Christmas lights around your town.

Use cash. Don't mortgage next year for this years shopping.

Sunday, October 22, 2017

Top 10 Ways to Have Less Stress in Your Life

1.  Clean up your finances.
The rules of properly handling money can be summed up fairly easily. They are:
Spend less than you earn.
Save a portion of all that you earn. This can be as little as 5%, with most people saving 10%. This is your safety net in case of emergencies, job loss, unexpected expenses, etc.
Before paying your monthly bills/expenses, set aside a portion of your income just for you. This money should be used to invest in your future and in your financial security. Again 10% is a good amount for this. This is a separate savings from your emergency savings, and should be used to further your education, and things like this.
Have a budget and stick to your budget.
Have a pantry and a bit of food storage to help you weather hard times, or just because you save money by buying food on sale, or before the price goes up.

2.  Eliminate the negative from your life as much as possible.  This means decluttering your possessions, as well as eliminating negative people and situations from your life that are only bringing you down. Make positive and inspiring friends. You need them.
Clean up and fix whatever needs fixed in your life. Fix that door that jams, that faucet leak, and complete all the undone projects in your life. You don't have to complete anything that no longer inspires or interests you however. Fix one thing a day for awhile and watch your load lighten and your mood lift.
Seek out good news and avoid negative news as much as possible.

3.  Get a job you like.  We spend a lot of our time at work and some work places are very toxic and draining.  Get out and find a job that inspires and uplifts you.

4.  Plan for the future.  Set goals and make lists of what you want in your life, then do at least one small thing towards accomplishing that goal every single day. Even a small step will move you forward.

5. Learn to say no.  Doing things you really don't want to and spending time with people who drain you is a huge stress producer.  Stop doing that to yourself. You deserve to enjoy your life surrounded by people who genuinely care about your welfare.

6.  Get outside everyday.  Take walks, garden, or in some way spend a portion of everyday outside in the fresh air. Enjoy the fall leaves, a walk in the rain, a softly falling winter snow, or a sunny day at the beach. Nature soothes and heals. And get some exercise everyday, whether outside or indoors.

7.  Get a pet. A loving dog or cat is a known relaxer. They give you lots of unconditional love and make your life so much brighter.

8. Think optimistically and positively. Use positive words to yourself and when speaking to others. Don't gossip. Don't criticize. Encourage people whenever you can.

9.  Learn to meditate and to pray. Whatever your spiritual beliefs, a time for centering and quieting your mind, and connecting with the divine is a positive experience that will greatly enhance your life.

10. Practice gratitude and thankfulness everyday. We all have many blessings and a nightly time of writing down three things you're grateful for is a wonderful end to a day and will greatly enhance your life.

Sunday, April 23, 2017

How We Went from Desert to Food Forest

Published on Feb 17, 2017
We live in the cold high desert of southeast Idaho where the soil is dry and alkaline. With deep mulch, swales, and planting hundreds of trees and herbs we have turned our 1.5 acres into a food oasis.

Cold Stream Farm:

In case you have any questions about how we do what we do and any products that we swear by we have listed them all below!

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The Secret to Making Money by starting a small business.

Penny Pinching Mama - Part 4: How Little Expenses Add Up

Tuesday, February 28, 2017

Flexible Jobs for Women Over 60 Nancy Collamer

Published on Mar 3, 2014
If you are looking for options for flexible jobs for women over 60, this episode of the Sixty and Me Show is for you! My guest on this latest episode of the Sixty and Me Show is Nancy Collamer, the author of a wonderful book called "Second Act Careers: 50 Ways to Profit from Your Passions in Semi-Retirement"

Read the full article here:

In our interview, we discuss how women in their 60's are looking for flexible jobs and Nancy gives us useful tips on how to find the perfect solution. Working with women to build meaningful and unique part time careers, Nancy gives concrete examples that allow you to work part time.

We discuss the benefits of working after 60, including earning more money, enabling social connections and keeping your brain healthy. We talk about the specific types of flexible working opportunities that range from a service business to writing and creative business ideas.

What did you think of this episode? Have you had any luck finding a job after 60? Please add your thoughts and questions in the comments section.

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How to make a simple solar cooker

Tiny House Tips

18 Brilliant Ideas For Your Tiny Apartment

Tuesday, February 21, 2017

Making the Most of a Small Home

Living in a small house or apartment, or even in a studio or a dorm room, is a challenge in many ways but that doesn't mean you can't maximize the space you do have and create a beautiful home for yourself.

Leave some open space and a wall or two bare in your home. This will give your home a more spacious open feeling, plus it's restful for the eyes. Crowding every inch of floor or wall space is counter-productive when you're trying to create a beautiful home.

Declutter and down size. Get rid of the excess stuff you don't need. A small space looks junky when you pile on the knick-knacks, have an excessive amount of books, or you hang too many pictures on the walls. If you just can't get rid of your excess stuff, then put the best on display, a few at a time, and rotate them.

Don't hang lots of magnets, photos, or kids papers on your refrigerator either. It never looks good. Hang one or two special kids art projects, and photos at a time if you must. That's enough.

Create storage where there was none. If you're handy you can create DIY storage units. Use multi-purpose furniture, like storage benches in your dining area, or ottomans that with a storage compartment inside. You can also use wicker trunks as a coffee table or bedside table.

If your bathroom or kitchen areas are lacking in storage space, try to find room for at least one bookcase. Bookcases can hold so much more than just books and are often slim enough to fit in spaces that larger furniture won't.

Add wall shelves wherever feasible including hallways. Hallways are a great place to put narrow dressers or bookcases too.

Choose comfortable furniture that not only looks good but feels good to sit or lounge on. Buy smaller sized furniture and less of it, but get what you love. A small home means you see your stuff a lot more often than you would in a huge home.

Meet the neighbors and get out and explore the neighborhood. You may not be living in your ideal home yet but this small space is home for now. Getting comfortable with your surroundings and the people around you can make living in your small space a whole lot more enjoyable.

Wednesday, February 15, 2017

168 Tips For Frugal Living

A great article about ways to live more frugally from Here's the link to the article:

And here's the tips on how to save on utilities. Click on the link above to see all the other tips for living frugally.

Save Money on Utilities

Including tips by No More Spending, Damsel, Susan, Paulasouthernseven, Looby, Fresch, My Dollar Plan, and several more.

  • Turn off every electrical item at the plug every night. Putting everything on power stripsmakes this easier.
  • Keep the lights off during the day.
  • Line dry clothes outside when it’s warm and sunny.
  • Line dry clothes by setting dryer racks over heater vents. Use your shower rod if you need even more room.
  • Let dishes air dry after running them through the dishwasher.
  • Cancel the cable.
  • Don’t use hot water in the summer.
  • Consider a family plan for cell phones.
  • Use CFL bulbs.
  • Turn down the thermostat (or turn it off). Use candles in the room to raise the temperature. A set of little tea candles goes a long way.
  • Don’t run the heater at night.
  • Open windows on summer nights to cool down the house.
  • Use a fan.
  • Get rid of your land line and use your cell phone.
  • Take short showers.
  • Insulate your water pipes.
  • Install low flow showerheads and aerators on all faucets.
  • If you’re going to be in and out all day, park on the street, rather than using the electric garage door opener multiple times.
  • If you live in an apartment, see if you can split the cost of a wireless connection with your neighbors. But make sure it’s legal first.
  • Turn off the PC if you won’t be using it for an hour or more.
  • Use nightlights that only come on when it’s dark.
  • Use nightlights in the bathroom, so if you have to use the bathroom at night, you don’t have to turn on the light.
  • Keep the freezer full. If you have to, put milk jugs filled with water in the freezer. It’s less expensive to keep a full freezer cold than an empty one.
  • Never leave the water running when rinsing dishes, brushing teeth, etc. Only use the water you need.