Archive | January, 2016

Are You Up for a Savings Challenge?

29 Jan

Money Question

Are You Up for a Savings Challenge?

How are you doing on that goal of spending less and saving more? It’s tricky, right? Goals are great, but without a plan to reach them, they can get lost in the daily shuffle. A savings challenge is a fun way to jumpstart working toward your goal while achieving tangible results. Here are several ideas for savings challenges. Give one of them a try or let them inspire your own unique challenge.

The $5 Savings Challenge — The concept of this one is as easy as it gets. Every time you get a $5 bill, you put it away. After a prescribed amount of time — three months, six months, a year — how ever long you choose, you put that money toward a specified goal. It can be a vacation, paying off a credit card bill, building your emergency fund, or any other financial goal. The important thing is you use the money for the purpose you intend and don’t dip into it until time period is up.

52-Week Savings Challenge — This one challenges you to save an increasing amount of money each week for a year. There are several different versions of this challenge, the most popular of which starts with saving a dollar the first week, two dollars the second week, three dollars the third week and so on. The idea is that you ramp up your savings slowly so that you can stick with it. But if you want to really challenge yourself, you can also do it in descending order and start saving with the highest amount first ($52 the first week) and then reducing the amount by one dollar each week. Either way, by the end of the year, you’ll have more than $1,000 saved!

Track Your Spending Challenge — If you ever have the feeling that you’re just not sure where your money goes, this is the challenge for you. You don’t have to change your spending habits, but you do have to write them down. Keep track of every penny you spend, from the biggest bills all the way to the smallest daily purchases. Once you start keeping track, you’ll see much more clearly where your money is going, notice any problematic spending, and see how seemingly insignificant purchases really add up quickly. You’ll want to do this for at least a week, but a full month will give you the most accurate picture of exactly where your money goes.

No-Spend Challenge — Ready to get serious about saving? Take a no-spend challenge. The concept is simple, but it’s definitely not easy to do. You basically cut out all non-essential spending for a prescribed amount of time — a week, a month or longer. In addition to saving money, there are a number of other benefits, including reducing clutter, rediscovering items you forgot you had, and resetting your thinking about the difference between wants and needs.

You can call Take Charge America at 1-866-750-9612 or visit for financial assistance.

Take Charge America is a nonprofit financial education organization that has helped more than 1.6 million people manage their finances and debt. No matter what financial challenges you may face, Take Charge America can help.

If you’re looking for a way to earn extra money from home, go to


Janice lost 52 pounds in 7 months

27 Jan
Janice Kelly-Sheldon 1.27.16Janice shared her first Before & After photos and says:
“I went from a 3x to a size 4 in 7 months, 52 pounds and a ton inches GONE!!! I’m 56 years old and I never thought it would be so easy!!! I was diagnosed with Fibromyalgia and I thought that was it for me. I really couldn’t do to much and now I’m doing so much more in my day to day living I still have Fibromyalgia, but I’m looking and feeling a whole lot better , Thanks to Skinny Fiber.”
You can order Skinny Fiber —->
You can order Skinny Body MAX —->
*Skinny Fiber & Skinny Body MAX do not diagnose, treat, or cure medical diseases or medical conditons.

20 Reasons Why Network Marketing is Awesome

25 Jan


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23 Jan
Foods with saturated fat
The saturated fat, sodium, and added sugars found in foods and beverages are important for you to think about as you build your healthy eating style. Saturated fat and sodium are sometimes found naturally in foods and beverages. Sugars, sodium, and ingredients high in saturated fat can also be added during processing or preparing foods and beverages.
To reduce your risk for heart disease, cut back on saturated fat and trans fat by replacing some foods high in saturated fat with unsaturated fat or oils.
Imagine a building made of solid bricks. This building of bricks is similar to the tightly packed bonds that make “saturated” fat. The bonds are often solid at room temperature like butter or the fat inside or around meat. Saturated fats are most often found in animal products such as beef, pork, and chicken. Leaner animal products, such as chicken breast or pork loin, often have less saturated fat. Foods that contain more saturated fat are usually solid at room temperature and are sometimes called “solid” fat.
Now, imagine the links in a chain that bend, move, and flow. The chain links are similar to the loose bonds that make “unsaturated” fat fluid or liquid at room temperature like the oil on top of a salad dressing or in a can of tuna. Unsaturated fat typically comes from plant sources such as olives, nuts, or seeds – but unsaturated fat is also present in fish. Unsaturated fat are usually called oils. Unlike saturated fat, these oils contain mostly monounsaturated and polyunsaturated fat.
A few food products such as coconut oil, palm oils, or whole milk remain as liquids at room temperature but are high in saturated fat.
Trans fat can be made from vegetable oils through a process called hydrogenation**. Trans fat is naturally found in small amounts in some animal products such as meat, whole milk, and milk products. Check the food label to find out if trans fat is in your food choices. Trans fat can often be found in many cakes, cookies, crackers, icings, margarines, and microwave popcorn.
Eating more unsaturated fat than saturated and trans fats can reduce your risk of heart disease and improve “good” (HDL) cholesterol levels. Replace foods high in saturated and trans fat such as butter, whole milk, and baked goods with foods higher in unsaturated fat found in plants and fish, such as vegetable oils, avocado, and tuna fish.
Cut back on foods containing saturated fat including:
desserts and baked goods, such as cakes, cookies, donuts, pastries, and croissants
many cheeses and foods containing cheese, such as pizza
sausages, hot dogs, bacon, and ribs
ice cream and other dairy desserts
fried potatoes (French fries) – if fried in a saturated fat or hydrogenated oil
regular ground beef and cuts of meat with visible fat
fried chicken and other chicken dishes with the skin
whole milk and full-fat dairy foods
Oils provide essential fatty acids and vitamin E. They are found in different plants such as soybeans, olives, corn, sunflowers, and peanuts. Choosing unsaturated oils instead of saturated fat can help you maintain a healthy eating style. A few plant oils, including coconut and palm oil, are higher in saturated fat and should be eaten less often.
Choose foods higher in unsaturated fat and lower in saturated fat as part of your healthy eating style.
Use oil-based dressings and spreads on foods instead of butter, stick margarine, or cream cheese.
Drink fat-free (skim) or low-fat (1%) milk instead of reduced-fat (2%) or whole milk.
Buy lean cuts of meat instead of fatty meats or choose these foods less often.
Add low-fat cheese to homemade pizza, pasta, and mixed dishes.
In recipes, use low-fat plain yogurt instead of cream or sour cream.

Crock Pot Creamy Cheesy Red Potatoes

22 Jan

Crock Pot Creamy Cheesy Red Potatoes

Crock Pot Creamy Cheesy Red Potatoes

If you are not FOLLOWING ME already — WHY NOT??!! lol Make sure you click FOLLOW at the top of my page! Click here –>

7 cups cubed red potatoes, uncooked
8 ounces small curd cottage cheese
1/2 cup sour cream
1/2 cup Velveeta cheese, cubed
1 tablespoon dried onion flakes
2 garlic cloves, minced
1/2 teaspoon salt
paprika, for garnish
minced chives, for garnish
Place cubed potatoes in crock pot.
In a food processor or blender, puree the cottage cheese and sour cream until smooth.
Combine Velveeta, onion, garlic and salt with cottage cheese/sour cream blend, mix well.
Pour over potatoes and mix well.
Cover and cook on low for 5-6 hours or until potatoes are tender.
Stir before serving and garnish with paprika and chives.

☆ Thank you all for passing my things around and sharing ☆

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Look at Sara’s results after 13 days of using Skinny Body MAX

22 Jan
Sara Green 1.21.16
Sara started using Skinny Body MAX on January 8, 2016…..You can really see a difference in her face after only 13 days….Wow!
She says:
“This is me! I just started using our NEW Weight Loss Product… Check this out!
Tell me if this AMAZING PRODUCT does not work!!!”
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Leslie is losing weight and feels great

21 Jan

Leslie 1.21.16

So happy to share this! 🙂
This is MY Company Website please do not order from an unknown source –
“My name is Leslie. I am 25 and have always been overweight. My whole family is big. When I got pregnant 3 yrs ago my biggest ever was 245, after I had my daughter I was still in the 215 range. I could never give up eating junk food I was depressed all the time. After 4th of July a family member asked me if I was going eat all that I had on my plate– food for like 3 people . After that person asked me that… I started my journey. I went on my own diet and lost 26 lbs. Then I heard about skinny fiber – I ordered the buy 3 get 3 free. My mom was going to do this with me… but after a couple weeks… she gave up an gave me 2 extra bottles. So this is my 90 challenge weigh in went from 175 to 158 an I still have another 60 days to drop at least another 15 lbs.”
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