Here are some creative ways to save money on utilities. These are the frugal living tips that my family have done, or are doing now. Keep in mind that some of these ideas will work for you and some will not. At the least, your brain will be stimulated to use these ideas to save money on utilities or your own.

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Keep Work at Bay While on Vacation

Like any other hardworking professional, you deserve to enjoy your downtime away from the your hectic working world. Being committed to providing your clients if you are self-employed, or your employer with excellence is certainly admirable. But everyone needs downtime away from work related activities. And your family deserves time with you without dueling…

Why are weekends always so much better? Why do we get this rejuvenated sense of self at 4:30 Friday afternoon? We will spend all weekend working in the yard or going to kids ballgames, but when Monday comes we hit a brick wall and spend all week exhausted?

Why are we so content being…

A debt snowball is one of the best solutions to eliminate your credit card debt. You have seen the image. Start at the top of a hill with a small snowball and let it roll down. As the ball goes further down the hill, it begins to pick up more snow and speed. And on it goes building momentum, getting bigger and faster, bigger and faster, bigger and faster until it reaches its destination -- Pow! All…

Want to live better? Then spend time improving yourself.

How many people want to live better but seldom spend time developing themselves? They spend day after day seeking improve someone else's business, organization or work, yet people are not improving themselves. To improve others, we must first improve ourselves. If we are going to lead others, we must know where we are going. Our lives need to project the goals we set and the improvements we are…

I did a lot of life contemplation this morning. Sitting on the back patio reading, watching the cat peek his head out from some tall wheat grass in the distance as though Dori (my dog) and I couldn’t see him. It’s funny to watch the animals communicate, even with the wild ones such as the birds and…

Imagine yourself walking into a large white room, and in this room the floor is lined from corner to corner with piggy banks. Some of these piggy banks are full, some are empty, and some maybe just a few coins. On the door is a note addressed to you. You reach up and pull the envelope off the door and tear the crisp flap and pull out the note. The note simply says,"…

I was at one of my recent water aerobics classes. A woman approached the pool and came down the ladder to get into the pool two or three times. The water was cold, and I thought that was what she was timid about. It turns out she was afraid of the water. I heard her talking with friends after the class was over. She never got into the pool, but just stood on the sidelines and then took a…

Do you waste your marketing time and money on things that don't give you results? I was recently overwhelmed with the amount of postcards my wife got in the mail over a 2-3 week period before she attended a conference she pre-registered for. Seriously, I could not believe my wife was getting this…

Not sure if I should be blogging right now, but hopefully I can get a couple words in before my wife signals at me to get off the computer and let’s go. I have this enormous tender pain in my lower left abdomen going on right now. It’s been here since yesterday, but evidently we’re heading to the doctor this morning.

Not sure what to say except that for prayers are always welcome. It’s probably just an enormous gas bubble. At least that’s the…

I had to give two 25 min. "motivational" talks last Friday. Four of my co-workers were present. One told me today that he mentioned to someone that I had "missed my calling". I was flattered. Wow....really? Little does he know....my calling is calling me.

In the quest to "find our passion", "find our calling", or however we…

QUOTE:

"Other things may change us, but we start and end with family."

- Anthony Brandt

INSPIRATION:

At the beginning of our life and at our final resting place, it is family that will be there. Friends come and go, careers, possessions, ambitions and anything else that we deem important in our lives have their season, but it is family that remains our constant.

Happy is the person that…

I have a black and white medium haired domestic cat by the name of Angel. I love him, but he’s quite a little discomfort for me while I’m trying to get work done. He seems to interrupt me right at the right times; every time. Even while I’m writing this, he’s quietly nudging my arm and hand because he…