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Help Stop the Violence

2006-02-28 Posted at 12:35:17 PM

Help Stop the Violence

Please go to this link and sign the petition against the game.
Patricia Downing

  • NATIONAL LAW ENFORCEMENT OFFICERS MEMORIAL FUND PROTESTS 25 to LIFE© VIDEO GAME
    Parents, Caregivers Urged to Boycott Violent Game

    The Public has spoken! In just over two weeks, more than 35,000 of you have joined our boycott petition of the violent video game, "25 to Life©". Our NEW goal is to achieve 50,000 signatures! Add your voice TODAY to our vigorous campaign discouraging parents and caregivers from purchasing or allowing children access to the 25-to-Life video game.

    Click here to sign our online petition to protest "25 to Life"©.


Dennis Doti sent this to the manufacturer:
To whom this may concern,

I am writing to express my disappointment with your company's video game "25 To Life". I am disgusted that your company would allow young adults to "kill police officers" in this "so called" game. Since when it is a game to murder police officers? It will never be okay to pretend to murder police officers via vi! deo games or anything else. If this game is sold in stores, I will no longer purchase merchandise made by your company. I will also influence friends and family members who routinely purchase your products.

You may feel that its "just a game" and it's only pretend, but we both know that kids and young adults take things to far. They are influenced by video games, etc. Your "25 to life" does not help the problem, it promotes the problem of violence. Violence is everywhere in the media and in video games. But when it includes hurting police officers, I will never feel that's alright.

Please re-evaluate your position of this video game. We all know that you've spent quite a bit of money of this project. However, it seems that you've failed to realize the serious consequences of your project. Do you know how many police officers have been&nbs! p;killed in the line of duty? Do you know how many police officers are murdered each year in this country? The sad truth is too many, which makes this a very serious matter. Please do not dismiss this letter as just a complaint.

Police officers face adversity each and every day in this country, most times without proper resources. They work through tough times on a daily basis and see the unimaginable. I would ask that you do not further complicate their situations or disrespect this admirable profession by allowing a video game like "25 to Life" to sell in stores.

Thank you for your time,

When I saw this on Patricia's site I felt that it was something that should be shared as much as possible.  I encourage everyone who reads this to go to the site to sign the petition.

Thanks Patricia for sharing this info!!

Fran Watson

 Somewhat related tidbit of information:  There are more stores that sell pornography in the United States than McDonalds.  This from my interesting facts quotes on my webpage


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Curious about SFI?

2006-02-28 Posted at 12:23:14 PM

You may have seen advertising for SFI and wondered what it was.  SFI is a division of Carson Services, Inc., headquartered in Lincoln, Nebraska . Founded in 1985, Carson Services has a long and successful track record in the publishing and network-marketing industries.

 SFI is a longtime member of the Better Business Bureau serving Southern Nebraska, as well as being a member of the Lincoln Chamber of Commerce.

 

 

SFI is the exclusive marketing arm for the IAHBE (International Association of Home Business Entrepreneurs) and Veriuni™, a line comprised of nutritional, cleaning, personal care, pet care, telecommunication products, and more.

 

SFI was launched in 1998. Today, with tens of thousands of affiliates in over 200 countries, it is believed to be the largest affiliate network in the world.

 

 

SFI's unprecedented success has been largely attributed to the unique makeup of its affiliate program—a hybrid combination of the best parts of traditional direct sales and network marketing, combined with the technological advantages of the Internet. Highly automated, SFI's expansive core computer system processes thousands of requests a day, around the clock, from around the world.

 

 

SFI is revolutionizing the way companies market their products and services. With its enormous base of independent affiliates, SFI has the power to reach tens of millions of consumers and businesses worldwide. SFI affiliates can also aggressively target niche markets with high market penetration.

 

 

Carson Services, Inc. and SFI's founder is Gery Carson. Gery's success as a entrepreneur has been told in Money Makers Monthly, Upline, Opportunity World Magazine, and in several books and videos. He has authored several best-selling marketing tools and has been featured as an expert guest on live call-in radio shows. Gery was selected to the 1992 Outstanding Young Men of America list and 1997's Who's Who in the Media and Communications.

If you are currently looking for a business opportunity that is stable and growing, look no further.  Get your FREE information with no obligation. 

 

 

 

 Fran Watson

 

 

 


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Ask the Doctor...

2006-02-26 Posted at 11:05:00 PM

Learn How You Can Generate Traffic to your Lead Capture Pages And Turn That Traffic Into Real Time Leads To Build A more Responsive List

HEALTH QUESTION & ANSWER SESSION (Just for fun)

 Q: I've heard that cardiovascular exercise can prolong life; is this true?

 A: Your heart is only good for so many beats, and that's it... don't waste them on exercise.  Everything wears out eventually. Speeding up your heart will not make you live longer; that's like saying you can extend the life of your car by driving it faster. Want to live longer? Take a nap.

 

 Q: Should I cut down on meat and eat more fruits and vegetables?

 A: You must grasp logistical efficiencies. What does a cow eat? Hay and corn. And what are these?  Vegetables. So a steak is nothing more than an efficient mechanism of delivering vegetables to your system.

 Need grain? Eat chicken. Beef is also a good source of field grass (green leafy vegetable).

 And a pork chop can give you 100% of your recommended daily allowance of vegetable products.

  

 Q: Should I reduce my alcohol intake?

 A: No, not at all. Wine is made from fruit. Brandy is distilled wine, that means they take the water out of the fruity bit so you get even more of the goodness that way. Beer is also made out of grain.

  Bottoms up!

  

 Q: How can I calculate my body/fat ratio?

 A: Well, if you have a body and you have fat, your ratio is one to one. If you have two bodies, your ratio is two to one, etc.

 

 Q: What are some of the advantages of participating in a regular exercise program?

 A: Can't think of a single one, sorry. My philosophy is: No Pain...Good!

  

 Q: Aren't fried foods bad for you?

 A: YOU'RE NOT LISTENING!!!... Foods are fried these days in vegetable oil. In fact, they're permeated in it. How could getting more vegetables be bad for you?

  

 Q: Will sit-ups help prevent me from getting a little soft around the middle?

 A: Definitely not! When you exercise a muscle, it gets bigger. You should only be doing sit-ups if you want a bigger stomach.

  

 Q: Is chocolate bad for me?

 A: Are you crazy? HELLO Cocoa beans! Another vegetable!!! It's the best feel-good food around!

   

Q: Is swimming good for your figure?

 A: If swimming is good for your figure, explain whales to me.

  

 Q: Is getting in shape important for my lifestyle?

 A: Hey! 'Round' is a shape!

  I hope this has cleared up any misconceptions you may have had about food and diets. Remember, "Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, but rather to skid in sideways - Chardonnay in one hand - chocolate in the other - body thoroughly used up, totally worn out and screaming........... "WOO HOO, What a Ride"

 

 

 

Fran Watson

Disclaimer:  I am not a medical practioner and the above is just for fun!

 


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Lessons in Time Management

2006-02-25 Posted at 04:55:41 PM

Looking for some lessons in time management?  Check out this site....wow....I think we could all stand to take some lessons from Steve.  This is an extremely interesting and beneficial article.

Fran

P.S.  no, I am not affiliated in any way with this, other than I just signed up for his newsletter


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Protect Your Health

2006-02-25 Posted at 03:42:29 PM

How common cleaning products could be a ticking time bomb in your home or office!

 If your home or office is typical, it already has dozens of cleaning and personal care products that contain harmful chemicals. Recent studies have revealed that most households/offices contain over 63 hazardous products that together contain hundreds of chemicals. These chemicals have the potential to greatly harm or even kill your children, your pets and you, should they accidentally not be used with the utmost caution.  

Could these tragedies happen in your home or office? 

When little Jennifer Smith of Salt Lake City, UT was but a year old she crawled over to the dishwasher while her mother was unloading the dishes. She put her small finger in the detergent dispensing cup and ate a finger full of wet but un-dissolved commercial dish detergent. In minutes her face was red and blistered, the inside of her mouth and tongue were burned white. Luckily she was rushed to a nearby hospital emergency room for quick medical attention. She recovered in a few days.

 Another documented case was a 20 month old boy who had to be fed through tubes for five months and suffered through many operations. Again, the culprit was dishwasher detergent.

 This is only two of thousands of cases reflecting children ingesting and being exposed to, what most consider common household products, terrible life threatening consequences.

 It is estimated that the U.S. Poison Control Center has nearly 1.5 million reported cases of accidental ingestion of poisons every year. Sadly most of these cases were under 12 years of age.

Have you ever wondered what the strong odor in the cleaners isle of your supermarket is?

 Ingestion is only one of three major ways that these products enter the body. Inhalation is even for more dangerous because when breathed in these harmful chemicals go directly into the blood stream and can quickly affect the lungs, heart, brain liver and kidneys.

 By the way, that strong smell in your supermarket cleaner isle is caused by what industry experts describe as "out gassing". Out gassing is the vapors escaping from the "sealed" containers on the supermarkets shelves. Which obviously are extremely harmful to your health.

 Have you ever been literally driven out of your bathroom shower while using one of the most popular tile cleaners? These types of cleaners must contain strong chemicals in order to do the job. The job may get done but you are at risk from the strong vapors that are generated. By the time you have exited the bathroom the chemical vapors have entered your blood stream and are wreaking havoc with your health.

Where are your rubber gloves?

 

 Do you know that one square centimeter of skin (the size of a dime) contains 3 million cells and 4 yards of nerves? How do you think nicotine and hormone replacement patches work? Do the chemicals somehow enter the body from the patch through the skin to do their work? Of course they do.

 This same absorption occurs every time a cleaning product touches your skin. By the way, if your baby happens to crawl across your nicely scrubbed kitchen floor, even several days after, the skin will pick up and absorb whatever harmful chemicals happen to be in the cleaner.


Consumer Beware!

 Why isn't the consumer informed and protected from the potentially dangerous chemicals contained in cleaning and personal care products?

 The government has very limited power to regulate and require proper testing.

  • Products that kill 50% of lab animals can still get designated as "non-toxic".
  •   Of 17,000 household chemicals only about 5,100, or approximately 30%, have been adequately tested and less than 10% have been tested on the nervous system.

  • No law requires manufactures to list the exact ingredients on the package label.  


Veriuni All Natural Cleaners!

 Just imagine your peace of mind if you never had to be concerned again about your family suffering from the misuse of harmful cleaning chemicals.

 Veriuni's environmentally safe cleaning products provide a powerful answer to the harm that ingestion, inhalation and absorption of common household products. Veriuni's products combine all-natural ingredients and vigorous cleaning action for the ultimate in consumer safety and environmental health.

 All-natural, gentle and powerful, Veriuni Cleaning Products use only citrus-based oils, as well as ingredients from corn and other replenish able materials. They contain no dyes, artificial fragrances, or pesticide residues. Even our packaging and labels are constructed solely from recycled materials.

 The news is incredible, Veriuni's line of environmentally safe cleaning products work like no other cleansers on the market today. Consumers everywhere, including those at businesses, hospitals and schools are switching to environmentally, safe, effective cleaners to increase health among family members, clients and employees.  

"Our company has been using the All Purpose Cleaner for over four years now. It has no hazardous chemicals and my employees love the fresh orange scent. Your cleaner is truly an all in one product that works on every surface in our bakery from floors, walls, equipment, counters, baking pans and dishes."
B. Rooden

 

 

 

 

Just how good are these cleaners?

The Veriuni formula is used exclusively by the over 30 National Parks, a few which include Yellowstone, Grant Teton and Yosemite. The formula was also chosen by the City of Santa Monica after conducting tests for the most effective and environmentally safe cleansers for the city's cleaning needs. Warner Brothers and Fox Studios, the University Medical Centerin Hackensack, NJand world-famous resorts have also chosen these products to clean their facilities. And most recently, the National Oceanic and Atmospheric Administration is testing these same products for use on its fleet of air and water quality testing ships.

 

"The staff had high marks for this product which completely removed organic stains and all trace odors from carpet and upholstered furniture without emitting any noxious fumes or leaving any residues. No other product performed all of these tasks better."
B. White

 

 

 

 

Now, Veriuni makes these safe products available to you, for use in both your home and your office. A powerful, effective and non-toxic alternative to traditional cleaners. 

 

"The Bathroom Cleaner really does a good job on soap scum in the bathrooms. We have a number of children that come through our business on a daily basis. I wanted our cleaners to be safe for them and the environment. We chose your products because they have no hazardous ingredients. I don't want to dump that stuff into our septic system."
K. Stevens

 

 

 

 

Start protecting your health today!!

Don't waste another minute. You owe it to yourself, your family, friends and employees to get the protection that Veriuni's safe and effective products provide. Access to these earth friendly products is so easy and convenient.

 Fill your shopping basket with safe products. Get rid of all those harmful products forever and replace them with Veriuni.

Helpful Hint...we have made it very convenient for you to try eight of our most popular products. Order the handy Sample Pack and you'll receive eight, sixteen ounce bottles, of the safest, yet most effective cleaning products on the planet.   

To your health!!

Fran Watson

 

 

 


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Success in Marketing

2006-02-25 Posted at 03:23:04 PM

According to  here’s a recap of steps you need to start your life as a successful entrepreneur:

  •  Develop a total positive attitude.

  • Determine exactly what you want to do.  

  • Search engine (for opportunities)  
  • “Due Diligence” investigation  
  • Look for a business idea that interests you.  
  • Make a list of things you are willing to do  
  • Find how you are paid.  
  • Proceed to get started.  
  • Make a simple plan outlining things you must do  
  • Develop a marketing plan (use it first to see if your business is something people want and will buy, then as an ongoing blueprint for promoting your business)  

Some carry a cost while others are available free. Use those you need to be successful. If one thing does not work for you, try something else. Do not be discouraged. NEVER QUIT! 

 

Deciding to develop your own business because you want to control your own life and provide products and services that will benefit others as well as provide income for you is a good first step, but you must believe your products will help others in some way. 

 

Your first action should be to determine exactly what you want to do; no matter how lucrative and exciting a business may be, if you aren’t completely absorbed by it you will be less than successful. It must involve activities you can perform and that make you feel comfortable. If you are ill-at-ease selling face-to-face, stay clear of any direct selling business where you knock on doors or conduct meetings. You won’t do something you don’t like. Stay positive and find something you like; there are many opportunities out there. Yours will turn up if you look in the right places. 

 

Wondering where you can find a business opportunity?   Your simple marketing plan will have served its initial purpose of determining if your idea has any market demand. Now use it to acquire as many customers as you can. The way you decide to market determines how you promote your business and this will determine your degree of success. 

 

When taken with a good affiliate program, such as SFI, IAHBE is what I call a true business-in-a-box. You have everything in one place as a going concern. You just have to promote it in some way. SFI has all the training you need and other business tools like leads, banners, and gateway websites.

You can find out more by visiting these links: 

 

 https://www.quickinfo247.com/7910757/MRA 

 

http://www.quickinfo247.com/7910757 

 

http://www.quickinfo247.com/7910757/NOC 

 

http://www.quickinfo247.com/7910757/IAHBE

Fran Watson

 

 


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Enzymes are good for you

2006-02-23 Posted at 12:37:33 PM

Enzymes are fundamental to all life. They are in every living thing. Enzymes are substances that make life possible. They are needed for every chemical reaction that occurs in the body. Without enzymes no biological activity would occur. Enzymes are protein catalysts necessary for metabolic functions. They move your muscles, stimulate your nerves, make your heart beat, keep you breathing, and allow you to think. Supplementing with the NATURAL DIGESTION SUPPLEMENT can be beneficial, especially if you suffer symptoms involved with indigestion, irritable bowel syndrome, spastic colon, acid reflux, flatulence, bloating, and hemorrhoids.

Raw foods, fruits and vegetables, are excellent sources for enzymes. When food is processed, canned or cooked, enzymes are destroyed. Supplementation with enzymes replaces those lost in cooking an enhances the enzymes found in raw foods. Naturally occurring enzymes and supplemental enzymes begin the process of digestion earlier in the digestive tract. Without these enzymes, digestion occurs in the small intestine. The chance of undigested food entering the colon is increased. Incomplete digestion of food gives colon bacteria the opportunity to feed, producing gas and toxins that can leave people feeling uncomfortable and even sick.

In order to restore health and well-being to digestive problems, food (plant) enzymes are used to improve digestion and absorption of essential nutrients. Enzymes are an important link in stamina, energy level, utilizing vitamins and minerals and boost the natural immune system.

For more information

Or read the following article by Dr. Emily Kane for more information

Enzymes: The Difference Between Raw and Cooked Foods

by: Emily Kane ND

ENZYMES: The tiny and enormous difference between raw and cooked foods

Virtually all chronic degenerative diseases are caused or aggravated by digestive problems. After the most extensive study on nutrition ever undertaken by the government, the U.S. Senate Select Committee on Nutrition and Human Needs concluded in its 1978 report entitled "Diet and Killer Diseases," that the average American diet is responsible for the development of chronic degenerative diseases such as heart disease, atherosclerosis, cancer, diabetes, stroke, etc. Many of the most common health complaints revolve around a 20-foot, mucus-lined tube that directly interfaces us with our environment. This is no mystery: This is the gastro-intestinal tract, affectionately abbreviated "GI." The job of the GI is to alchemically transmute the food we eat into our flesh, blood, actions, thoughts and feelings... with a little help from our friends the salivary glands, the pancreas, the liver, and most importantly RAW FOOD -- all of which provide (now we're getting to the point) ENZYMES.

Enzymes are delicate dynamos. Delicate because they are destroyed by temperatures over 118 degrees (some by as little as 105 degrees), which means that they may not survive even light steaming. Dynamos because they are powerful biochemical catalysts; they speed burning or building reactions in the body according to need. They are specialized proteins, often with long complicated names ending in -ase.

The three primary digestive enzymes are protease, lipase and amylase which digest, respectively, protein, fat (lipids), and carbohydrates (which includes sugars). Amylase comes from the salivary glands: carbohydrates start digesting right in our mouth. Have you ever chewed a piece of bread or potato for an extra moment before swallowing, and tasted how sweet it is? (It is a good idea to chew our foods thoroughly; literally making juice in our mouths before swallowing.) Lipase is synthesized principally in the liver and protease comes from the pancreas.

Although the enzyme-producing organs continue to function over the entire course of a healthy life, they eventually wear down, especially with the "standard American diet" (which, in the naturopathic community, we call SAD.) Dr. Francis M. Pottenger's nutritional studies have shown that a regular diet of cooked or canned foods causes the development of chronic degenerative diseases and premature mortality. Professor Jackson of the Dept. of Anatomy, University of Minnesota, has shown that rats fed for 135 days on an 80 percent cooked food diet resulted in an increase pancreatic weight of 20 to 30 percent. What this means is that the pancreas is forced to work harder with a cooked food diet. "Although the body can manufacture enzymes, the more you use your enzyme potential, the faster it is going to run out..." wrote Dr. Edward Howell, who pioneered research in the benefits of food enzymes. A youth of 18 may produce amylase levels 30 times greater than those of an 85 year old person.

Enzymes are what make seeds sprout. Sprouts are, in fact, one of the richest sources of enzymes. Other excellent sources are papaya, pineapple and the aspergillus plant. Science cannot duplicate enzymes, because they are the stuff of life itself. Only raw food has functional "live" enzymes. Therefore the liver, pancreas, stomach and intestines must come to the rescue and furnish the requisite digestive enzymes to the individual nourished solely on a cooked food diet.

This extra activity can be detrimental to health and longevity because it continually taxes the reserve energy of our organs. Furthermore, cooked food passes through the digestive tract more slowly than raw food, tends to ferment, and throws poisons back into the body. Colon cancer is second only to lung cancer as a killer in America and is related, in various ways, to eating enzyme-deficient cooked food. Prolonged intestinal toxemia may manifest the following symptoms: Fatigue, nervousness, gasto-intestinal discomfort, recurrent infections, skin eruptions, hormonal disturbances, headaches, arthritis, sciatica, low back pain, allergies, asthma, eye, ear, nose and throat disorders, cardiac irregularities, pathological changes in the breasts, and so forth. All of these conditions have been shown to respond to therapy directed to correcting the bowel toxemia. Of course, it is important to have fiber in the diet to scrub the colon walls clean, but even more important are the enzymes which will allow proper digestion and assimilation of vital nutrients. Cooked food often passes into the bloodstream as unsplit molecules that are deposited, as waste, in various parts of the body. If it is a fat molecule we know it as cholesterol plaque; if calcium, arthritis; if sugar, diabetes. White blood cell count rises dramatically after ingesting a meal of canned or cooked foods ("digestive leukocytosis"). Elevated WBCs are correlated to bacterial infection, inflammation and depressed immunity. Raw foods do not produce this reaction. All raw foods contain exactly the right enzymes required to split every last molecule into the basic building blocks of metabolism: Amino acids (from protein), glucose (from complex carbohydrates) and essential fatty acids (from unsaturated vegetable fats).

You are what you ate: Eat living foods (at least once daily!).


Dr. Emily Kane practices in Juneau, Alaska

************************

Yours for better health and nutrition

Fran Watson

 http://www.quickinfo247.com/7910757


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Household Tips

2006-02-23 Posted at 12:53:38 AM

Here are a few simple household tips

  Got lipstick on the collar?  Try pretreating it by rubbing toothpaste into the stain, then wash as usual.

  Spilled a little red wine on your linens?  Try soaking the fabric in 2 litres of warm water mixed with a teaspoon of liquid detergent for half an hour and then placing it in the washer in the hottest water safe for the fabric.

  Try some Borax for softening water and stain removal.

  Keep a little lemon juice on hand to use as a bleach and fabric whitener.  Also have a glass of hot water with a little lemon juice in it to start your day if you are trying to keep your weight under control.

  Cedar chips and dried lavender sprigs will help keep away moths (and smell a whole lot better than moth balls.)

  Vinegar will remove mineral deposits in your iron and clean out your machines.  It also works really well with baking soda to clean out your drains.

  Place tissue paper between the folds of duvets when you store them for the season.  Check with your local newspaper office to see if they have tissue paper for sale.  They might also have end rolls of newsprint paper that you can use for wrapping parcels, drawing on, making patterns, etc.

  When doing your laundry, don't forget to clean your lint trap frequently.  Clogged lint traps can cause fires. 

  I hope that you find these tips useful.

Fran

Find out about earth and family safe cleaning products


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Easy Money-Saving Changes

2006-02-21 Posted at 01:02:33 AM

Easy Money-Saving Changes 

 

One of the most obvious and easy ways to save some extra cash is to change some of the way you use products and items in your everyday life.  The key is to make minor changes.  

 

For instance, always buy the cheapest hand soap you can find.  The quality doesn’t necessarily go up with the price and you can use it in place of ‘bath soap.’ 

 

Always use the whole product.  Turn bottles upside down and drain to get the last bit from them.  Tear open sugar and flour sacks to get everything; squeeze or cut open tubes to use it all before running out to buy more.  You’ll be surprised at how much there really is left!   

 

            Also, never use more than you need.  Just because it says on the box that you need a full cup, doesn’t mean that you really do it need it.  Half a measure of laundry detergent and a half teaspoon of dish soap are examples of what are usually enough, rather than what the manufacturer says.   

 

To save some cash, you can use some of the things in your house in some unique ways.  Instead of spending lots of money on the fancy floor cleaners, try using ammonia.  It does a great job, and you can use plain water in between times.  If your furniture needs some polishing, mix equal parts of white vinegar and vegetable oil and rub on the furniture.  Buff with a cloth until it shines.  

 

For a freezer bag, use empty chip bags and close with masking taps.  Also try a bowl with a lid, such as a margarine tub.   

 

If your skin is feeling a little dry, there are several substitutes for expensive lotion.  Petroleum jelly rubbed into your hands at night after a warm water soak, mayonnaise (rinse with cold water after), or any other oil based food.  Just be sure to put it on immediately after your hands have been in water.  

 

 To save some money on laundry, dissolve a bar of handsoap in water to replace laundry detergent.  Add three gallons of hot water, mix thoroughly and add a cup of washing soda.   

 

Sure, these are small changes, but added up, they can put some extra change into your pocket throughout the year!

See what changes you can make to help you save this year - you can put the extra into online advertising if you are an internet marketer, or put the money saved towards a great vacation.

Fran

P.S.  Pick up your Free Wealth Report


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Avoid Spending Pitfalls

2006-02-21 Posted at 12:55:00 AM

Avoid Spending Pitfalls!

           With all the advantages that are evident from personal budgeting, it is no wonder that more and more people are relying on them to reduce debts and increase their savings.  However, all ‘budgeters’ need to be careful to avoid some common pitfalls that appear often.    

 

Credit cards may seem like small pieces of plastic, however they can cause a great deal of trouble for the owners.  It is common for people to make unwise purchases, which they would have avoided otherwise, because they had the credit card in their wallet.  The best solution for many people is simply to get rid of credit cards and begin paying only by cash, check, or debit cards.  You may want to keep one card handy for emergencies, but it is probably best to keep it out of reach, and far away from your wallet.  

Another problem with budgeting is impatience.  There are financial goals set, but people do not have the patience to complete a savings program.  For instance, an individual begins setting aside money for a new car; however, after a few months they discover the car of their dreams.  Rather than waiting, they make the purchase.  This could pose some serious financial strains.  Discipline is a must to prevent impatience from breaking your budget.    

Once a person makes a budget, they often fail to adjust it when necessary.  A budget is created using a set of expenses and income figures that are liable to change.  As these figures do change, it is important that the budget changes to reflect the adjustments.  There could be some major deficits if this is not done appropriately and promptly.  

Of course nobody forgets about Christmas or Hanukkah, however many people do not consider budgeting for holidays when creating a budget.  Therefore, adequate funds have not been set aside for presents, food, parties, etc.  These items should be factored in and saved for throughout the year.  

Finally, many people factor in transportation and accommodations for vacations in their budget, however they underestimate money needed for food, entertainment, and spending money.  Keep in mind that all the resorts and tourists areas are double or triple what you would normally pay.   

 

With a little planning, you’ll be on your way to saving more money than you ever thought possible!

Happy Budgeting

Fran Watson

P.S..  Pick up your Free Wealth Report


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