This is a great presentation on how to get a job! Nice work Carlos.

Get answers on:

1. Tips for writing a resume that will get you an interview.
2. Learn why your resume isn't getting the response you want.
3. How should you handle age issues in your resume.
4. How should you handle prolonged absence from the work force
5. Meeting the career change challenge.

Enter The Saving Revolution Holiday Tell a Friend Contest, help them get 50,000 LIKEs on Facebook and they will contribute $5000 to their local food banks for the holidays.

 

by Miles Walker

Photographer: Salvatore Vuono

In a tight economy, everyone is looking for new ways to tighten their budget. One area nearly everyone could spend a little less on is their vehicles. Click here to Read ten tips to follow to save money on your car.

 

Like this post? Subscribe to my RSS feed and get loads more!

Here's a great tip on how to save money on cleaning supplies. I personally traded in my Swifter mop for one of those steam mops (which cost me too much) but I had been using this technique of putting a rag on the Swifter sweeper for some time before that for mopping.

I use the microfilament towels. I hate the 'feel' of them but they do work well for grabbing the dust bunnies.

Shop early to avoid the rush and guarantee your selection is available. I just love this ragamuffin outfit!

Shopping for your Halloween costumes for you girl or boy toddler can save you money and time. Shop now to get your pick before the selection is picked over and sold out.

Let’s face, no matter how much we claim we don’t care what others think, we really do want others to think well of us.  That applies doubly when it comes to their opinions about whether or not we are a good parent.  No one wants to be listed in the “Mommy Dearest Top Ten.”  So how do we dress our infant girl or buy toddler boys clothing and not break the bank?

Yes, fortunately with young babies we are sometimes blessed with an abundance of hand-me-downs but as the our infant girl or toddler boy grows that supply also dwindles. So when we are setting up our budget, our baby’s wardrobe needs to be addressed.

Being on a budget does not mean our infant or toddler can not look like a million bucks. People often take their gently used baby clothes to second hand shops to be sold for charity or on consignment.  You can often find very good quality and popular labels for highly discounted prices. One bonus of infant and toddler clothing is that babies out grown them so quickly that the used clothing often looks brand new when it is passed on.  Also if you want your child’s seconds to look like firsts, you only need add a bit of trim or applique a cute picture for a completely new look.

Another trick to spruce up a not-so-new outfit is to add a matching hat to your boy toddler or hair ribbon to your infant girl. Another style tip is to look to vintage styles for inspiration with your toddler girls clothes just like you might with your own.  Don’t be afraid to be adventurous.  This is one time in your child’s life when you can have fun with dressing them and don’t run the risk of embarrassing them in front of their friends.  Start your child out as a trendsetter or one who stands out in a crowd and you may be giving them a foundation on which to become tomorrow’s world leaders.

To find more ideas on finding infant girls clothing check out GirlandBoysClothing.com.

Photo supplied by JMorris

Tagged with: girls clothes • infant girls clothing • nfant boys clothing

Filed under: Cheap Baby Clothes

Like this post? Subscribe to my RSS feed and get loads more!

Keeping up with Jones toddler may not be top on our priority list but that doesn't mean we are not concerned with dressing our baby well. Putting a budget item in the planner is a good idea.

There are many numbers that are critical in out life that we want to keep as low as possible like our bad colesteral count and golf score but our credit score is more like our bowling average, the higher the better.  In fact, ideally both are closest to perfect if they get in the 800 range.  Your bowling score is base on a total score for three games.  You credit score on the other hand is calculated from the data collected on your payment history from all your creditors, banks and credit card companies.  This number is used when you apply for a loan or credit card to determine your likelihood of being able to pay it back.  If you have been turned down for a loan or credit card it is most likely that you have a low credit score. Free FICO® Credit Score Estimator If you have been slow in paying your bills or failed to pay off an old loan this will affect your credit score and your chances of getting a loan or favorable interest rates are weakened.  A high credit score will qualify you for the best interest rates and deals.  When money is tight, a low credit score may keep you from getting a loan or credit card or if you do get a loan it will be at a much higher interest than someone with a high credit score and remember Higher FICO Scores = Lower Monthly Payments A low credit score may even keep you from getting a phone or cable service installed.

You can however take several steps to improve a low credit score.

So it is easy to see why improving your credit score is important.ickly.

1. The first step to improving your credit score is to know what it is.  You are entitled to a free copy of your credit report and all three of the main credit reporting agencies that re primarily used in the US will provide you a copy once a year if you request it in writing.  There are a number places you can obtain a free credit report online.  Get a copy from each of these credit reporting agencies and compare each report.  You are looking for mistakes or errors on the report  that may be damaging your credit score.   Mistakes do happen and you may find that they show a bill as unpaid when in reality you did pay it off.  If this is the case you can get the error corrected by providing the credit agency proof that the bill was paid.  Credit reporting agencies are legally responsible for crediting errors when you bring them to their attention and supply them with proof of payment.
2. The next thing you can do to improve your credit score is pay down the amount of debt you have.  You should strive to never owe more than half of what they call your available credit at any time.  These means if you have credit cards with a total available balance limit of $10,000 you should not have a balance owed of more than $5,000.  In fact, if you have credit cards that you are not using but they have a large available balance this may count against you when looking to borrow money elsewhere.  You can request that these cards be closed out or the limits be lowered.
3. The last and most important thing you can do to improve your credit scor is to pay your bills on time. Timely payments weigh heavily in your favor when your credit score is calculated and developing a habit of paying your bills before the pay due date is. the quickest way to improve your credit score.



Tagged with: credit report • credit score • improve credit score

Filed under: Debt Reduction

Like this post? Subscribe to my RSS feed and get loads more!

Perhaps the two most important numbers in your life.... your cholesterol and your credit score. Lower the first and raise the second!