There are many great things about holidays such as spending time and catching up with family and friends. Many will also say the gifts are the best part. Below is a list of ways to give great gifts and not spend the money you saved all year. Maybe with the money you save you can get yourself a gift.

1. Get Organized – Getting organized sounds harder this time of year than it has to be. Start by making a list of everyone you will need to buy gifts for during the holidays. Your list may be long when putting family, work colleagues, bosses, and friends all together. Do not worry about that because as you start to buy you can always cut the list shorter, at least you now know how many people you have on it. Take a highlighter and highlight all the people that you can group buy for. Say you have family friends on the list instead of buying something for everyone in the family why not buy something for the whole family.

2. Online Shopping – Take a day off work or set aside an evening with you, your computer, and that list you made earlier. Go to the websites that you would be buying from and see if anything is on sale or if there is free shipping. Many stores will have online specials, which means the same thing in the store will not be on sale but online it is. Stores online often offer free shipping during the holidays especially if you spend a certain amount of money. Get out your list and see how many people you can get done in one store and you may be eligible for free shipping. This sounds simple enough but if you add up gas costs and shipping from various stores this, all will add up.

3. Impulse Buying – Know what they call the stands by the registers with little gifts on, impulse fixtures. Impulse buying is something everyone does and is hard to stop. Instead of waiting until the last minute and running into the stores and buying whatever you see first start a little early and take your time. Although it sounds crazy start in the summer. If you are out and see something that your sister would love in August, pick it up and put it in a closet for storage. Just make sure to keep everything together so you are not running around the house trying to find the gifts and so you can refresh your memory on what you have.

4. Get Wrapping – Buying-wrapping paper seems cheap enough but have you ever thought to make your own. All you need is some brown craft paper or white butcher paper (which is must cheaper than normal wrapping paper) and some decorating supplies. (check here if your local craft store does not have any www.centralpack.com) Lay some of the paper out and call your kids into the room. Have the kids decorate anyway they want. If you have a gift for there, grandparents personalize it to them. People love the thought that goes into this and it is fun for kids. Find other creative ways to wrap like using newspaper or for smaller gifts pages out of magazines. This adds a little more fun to the gift without spending more money.

Author & Creator: Cindy Morus, “The Money Mender”

Format: Printable Guides in PDF Format, Downloadable Software (Windows only)

Official Website: PDQ Pay Debt Quickly

Description

The PDQ Pay Debt Quickly System is a unique system for reducing debt without having to make any large payments or lifestyle changes. It comes with software to help calculate the debt-free date and track progress. The accompanying resources provide information and tools to further reduce debt costs and change habits regarding money.

Who the System is Suitable for

It is meant for individuals who are able to make their current minimum monthly payments on their various debts. It is not meant for people who are behind on their payments and are unable to keep up with the minimums.

Details

The system comes with a number of components and they include:

- Pay Debt Quickly Software: The software allows you to enter in up to 30 loans and debts and make a plan to calculate your debt-free debt and keep up with your month-to-month balances.

- Pay Debt Quickly Success Guide: The guide provides information on the credit card industry and how they’re designed to keep you in debt indefinitely. It includes practical advice on using the system and set up a monthly payment plan that shouldn’t cause financial hardship.

- 12 Simple Steps of Money-Minding eBook by Tracy Piercy: Debt reduction advice with the focus of keeping ones realistic lifestyle.

It also includes 3 extra guides to help you manage and change your outlook on money:

- EZ Budget Guide: Teaches readers how to make a spending plan, instead of a budget and how to plan ahead for unexpected expenses.

- Napoleon Hill’s “Think and Grow Rich” eBook: This classic guide that teaches people how to accumulate wealth also includes a practical workbook to help ensure all the steps are followed.

- Credit Card Secrets: This ebook shows how to save thousands of dollars in interest, how to get rid of annual fees and pre-written scripts to use with your creditors to get them to do what you want them to.

Thoughts

The main strategy behind the PDQ Pay Debt Quickly System is extremely powerful. Even if a buyer doesn’t go through all the materials, if they get that main basic concept and stick with it, it is a very powerful debt reduction strategy. The additional information and tools provided will help save plenty of money when it comes to fees and interest. The product even includes useful “scripts” to deal with creditors will be a tremendous help to those ready to show their creditors who’s boss.

The system is also geared to ensuring that users develop a new relationship with money and helps encourage long-term success because that is the key. Getting rid of debt today, only to rack it up again tomorrow, doesn’t do anybody and good. PDQ aims to help users make long-lasting changes, but of course the true success is in the hands of the user.

More Information

Visit the Pay Debt Quickly Website

(For publishing rights to this review, click here)

By Cindy Morus, Creator of the Pay Debt Quickly System

Question: I don’t know how to pay off my debt. My debts are more than the money I earn each month. What can I do?

Answer: That’s a tough spot to be in. Let’s look at the scenario that your debts are higher than your income but you’re still able to make the payments. It sounds like this is really worrying you – maybe that you won’t be able to make the payments soon. So, now is a good time to be asking this question. Since you can make the payments, every month, you’re actually in a good position to be able to eliminate the debt over the next couple of years (perhaps sooner). Here’s what to do…

1. From Minimum Payments to Fixed Payments. Convert all your current minimum payments to fixed payments. That means that if you are paying $55.55 this month, you’ll pay that every single month until the debt is paid off – no matter what the minimum payment is on your bill.
2. Stop Using Your Credit Cards. There’s no grace period on cards that have a balance so you start paying interest on new charges immediately.
3. Get Clear on Your Debt. List every one of your debts on a piece of paper (you can get my form here) so you know exactly what you’re dealing with. Sometimes it’s worse than you thought and sometimes not so bad but you won’t be able to really know until you see it all in black and white.

Get More Help:

Eliminate your debt and save your money using the Pay Debt Quickly System. It comes with the software and strategies you need get rid of your debt without making an large payments or making any significant lifestyle changes. Click here to learn more and get started right away.

(For republishing rights to this article, join the affiliate program)

3 Steps to Getting out of Debt

By Cindy Morus, Create of the Pay Debt Quickly System

Are you struggling with debt? I’ve been there (and it was a major cause of my divorce). This is information I wish I had known then.

Step 1: Draw a Debt Picture Gather all your statements and enter your information in the Debt Payoff Info worksheet. You’ll need to know your balance, interest rate and current payment. Total the balances and the payments. Acknowledge that you used your credit cards to fund your lifestyle and move on to debt-freedom.

Step 2: Stop using your Credit Cards The credit card companies are masters at this game and if you’re carrying a balance, you’re on the losing end of the deal.

* Did you know that new purchases don’t have a grace period if you have a balance?

* Did you know that new purchases don’t usually get the existing teaser rate?

* Did you know that if you have multiple interest rates on the same card that most or even all of your payments will go to the balance with the lowest interest rate while the balances at the highest interest rate just keep compounding?

These are all great reasons to stop using your credit cards now!

Step 3: Convert Minimum Payments to Fixed Payments This is the beautiful part! Let me explain. When you get a home and auto loan, you pay the same amount of money for a specific amount of time and then you’re done and the debt is paid off. With a credit card, though, your payment is a percentage (usually around 4%) of your balance. As you make payments, your balance drops and so does your minimum payment. This is what will keep you in debt jail for a very long time.

However, you don’t have to make just the minimum payment. I recommend that you take the minimum payment from this month and pay that same amount every single month until it is paid off. Converting your credit cards payments to fixed payments can save years and years and thousands of dollars. Let’s see how much this method can save by looking at one client’s debt information:

Name Interest Rate Current Balance Minimum Payment

Visa 32.24% $970.86 $29.00

MasterCard 19.49% $1,506.00 $128.00

Cap One 16.24% $11,700.00 $277.00

Store Card 13.07% $1,407.00 $42.00

Auto Loan 8.09% $10,356.00 $237.00

TOTALS n/a $25,940.00 $713.00

Paying the minimums only will take 350 months and cost $49,007 (total interest is $23,067 almost double the current balances!). Changing the payments to fixed (paying the same amount every month as listed above) will take 47 months and the total will be $33,272 ($7,332 in interest). Total savings is $15,735 and over 25 years!! AND they didn’t pay any more than they paid this month.

Get More Help:

Eliminate your debt and save your money using the Pay Debt Quickly System. It comes with the software and strategies you need get rid of your debt without making an large payments or making any significant lifestyle changes. Click here to learn more and get started right away.

(For republishing rights to this article, join the affiliate program)

The PDQ Factor

By Cindy Morus, Create of the Pay Debt Quickly System

It’s just about the beginning of a brand new year: a time to set goals, make plans, and start afresh; a time to dream of making more money, having a more beautiful body, and experiencing more love. I can’t help you with your body or your love life but I can show you some tools for making more money this year.

Have you ever heard of the PDQ Factor? Probably not, but you probably have heard of the acronym PDQ, which means “pretty darn quick” and that can be expensive: think fast food, fast cars, and fast women. This PDQ, The PDQ Factor will save you money. In fact, it can even make you wealthy over time.

To illustrate…take an empty glass and set it under the water faucet. Now turn the faucet to a single drip, or a slow trickle if you’re really impatient, and watch the glass fill up. It takes a while but it does get full. If you were thirsty, it wouldn’t have been nearly as fast as turning the faucet to full force but it was just as effective. The PDQ Factor is the slow trickle equivalent in the world of money. It stands for Pennies, Dimes and Quarters. Nickels count too, they just messed up the snappy title so we left them out; but don’t you leave them out of your investment toolbox.

Here’s an easy plan to make an extra $1000 this year. It won’t take much time or energy-really none at all. By investing just $2.74 a day-the cost of a designer coffee drink; a bad drive-thru meal; or 8 quarters, 5 dimes, 4 nickels, and 4 pennies, in just 365 days you will have an additional $1000 in the bank. Did you know that accumulating wealth is this effortless? Make a plan, stick to it and watch success sneak up on you in teen-tiny increments.

With no pain and all gain you’ve just set a financial goal; a goal that can be effortlessly reached by making a very minor tweak or two in how you live your daily life.

Break down your goal and see how many PDQ’s it takes! And don’t forget to start today!

The same thing applies to debt. If you’re struggling with debt and it feels like you’ll never see the end, you can apply the same principles.

Get More Help:

Eliminate your debt and save your money using the Pay Debt Quickly System. It comes with the software and strategies you need get rid of your debt without making an large payments or making any significant lifestyle changes. Click here to learn more and get started right away.

(For republishing rights to this article, join the affiliate program)

In today’s world, a two-income family is often the norm. And in the case of single parents, the option to stay home with the kids isn’t always available. But many mothers are learning that it is possible to have the best of both worlds and they can bring that work home by starting their own successful home businesses.

The Full Time WAHM Success Blueprint offers the stories of 22 full time work at home moms (WAHMs) as inspiration and advice to other mothers who hope to do the same.

This Collection Includes:

Written interviews of 22 full time work at home moms (and Schmoozins.com’s own Alice Seba is one of those moms!) that answer the following 5 questions:

1. What are the top 3 things you’ve done to grow your online business?

2. What are the three tools or learning resources that are essential in your business?

3. What is one mistake you’ve made and learned from?

4. Was there a “tipping point” that got you to full time money? What was it?

5. What advice would you give to other work at home moms to help them succeed?

Format:

Instant download in PDF format (use free Adobe Acrobat Reader to download).

Thoughts:

You know what they say, hindsight is 20/20. That’s never been truer than when it comes to starting an online business. Whether you sell your own products, services, or other people’s products and services, you’re sure to find at least one business owner in this report who’s tips and suggestions can save you tons of time and money in setting up and running your own successful business.

Nicole Dean interviewed 22 moms who’ve created a business that makes full time income while still having time for their families, themselves and the fun things in life.

You’ll find moms running all types of businesses including:

Virtual Assistants
Website Owners
Physical Product Sellers
Information Product Sellers
Direct Sellers
Affiliate Marketers
Bloggers
Business Coaches
Podcasters
And more…

Full Time WAHM shows that it is not only is it possible to create a successful business while raising a family, but that it doesn’t have to be harder just because you don’t know where to start or what tools and resources are necessary. Yes, there is a lot of hard work involved, but with the advice you’ll receive from the interviews inside, you’ll be one step ahead of the millions of others out there trying to do the same thing.

Where to Buy:

Full Time WAHM Website

(For republishing rights to this review, click here to join the affiliate program)

How to Start a Business Selling E-books to Moms

Ebooks are fast becoming an in-demand product on the Internet. Found on many websites, written by authors of all walks of life and on many different topics, Ebooks can be downloaded for a fraction of the cost of traditional print books. If you are an online business offering products or services to moms or even if you’re new to online business, you can sell EBooks to this already huge and growing population on the Web.

The use of Ebooks is unlimited and because there’s no need for keeping a large physical inventory, you can sell them over and over again and adapt them to your customers’ needs. In short, this is an inexpensive business to start and has a high profit margin.

Why Moms Love Ebooks

In online communities everywhere, there are moms who enjoy learning new things and improving the lives of their families, by visiting websites, libraries and schools. Ebooks can be a great way of sharing that knowledge to this growing market of readers in a convenient format.

Not only are E-books easy to access for quick reference, but they are portable with the advent of Internet-ready cellular phones and iPods. A mom can locate an E-book on any topic of her choice, download to her portable device in a matter of minutes, and take it wherever she’d like to enjoy it later.

E-books can be read over and over again and they can be stored for later use. E-books are environmentally friendly; no trees have to be killed in order to print out books that will sit around on people’s bookshelves and collect dust years after they are read. And that’s a relief to many moms who are environmentally conscious and probably already have enough clutter in their house…books in digital format help keep things clutter-free.

How to Research Your Topics

Over the last five years, moms have contributed much to the Internet as a whole. Many moms have created an online presence on social networking sites, specialty forums, and personal blogs. These moms are a perfect source of research on topics you can create ebooks about. Plus, they are perfect candidates to help promote and sell your ebooks for you. Simple set up an affiliate program that allows them to earn a commission on the sales they refer to you.

Sell and Give Away

You can use Ebooks to build your business in many ways. One, as we’ve discussed is to sell your Ebooks, but giving away Ebooks for free can also boost your sales.

For example, a business selling beauty products can publish a free Ebook about how the company’s makeup can be applied to achieve the most desired looks. Or a natural products store may want to offer an Ebook explaining the origins and uses of the organic ingredients – which the store happens to sell.

People are starving for information, solutions to problems and more. Find out what they need and deliver it to them.

Creating Your Ebooks

Publishing Ebooks is not as hard as it may seem. Topics and resources can be found by a simple search online or can be drawn from personal experience. Ebooks are generally around 25-100 or so pages in length and offered in an Adobe Reader format.

But if you don’t want to or don’t feel you can put the ebooks together, you can hire a ghostwriter or…

Get More Help with Your Mom Ebooks Business

To get help with selling ebooks…plus have the ebooks and promotional materials created for you, check out Mom PLR Ebooks. You receive a new ebook to customize and sell each month, plus a ton of great resources, promotional graphics, sales copy and more. It’s a super easy way to break into the business of selling ebooks to moms.

(For republishing rights to this article, click here to join the affiliate program)

Recently I told you about Aurelia Williams’ Real Life Guidance to Understanding Your Teen. Aurelia is a Certified Life Coach that specializes in helping parents just like you find balance and happiness in family life. If you’re ready to throw in the towel in frustration or just want to keep the doors of communication with the young adult in your household, her incredibly affordable guide is a must-read for frazzled and conscientious parents.

The guide covers topics like:

• Accepting the things you can’t control and guiding your teen to make the right decisions.
• Dealing with mood swings and knowing when your teen may need professional help.
• Effective communication and nurturing a relationship with your teen.

…but the best part is that the guide is instantly downloadable and you can access it 24 hours per day, 7 days per week. It also comes with some pretty cool extras to help you resolve conflicts, teach your teenager independence and more. They’re all extremely practical tools to help you survive the teen years.

To find our more and get your copy, go here.

Remember, help is here – anytime day or night.

(Want to republish this article? Click here to join the affiliate program)