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Shopping Too Much?

Shopping too Much!I’m seeing more and more clients who are banking on retail therapy to get them through this recession. They’re using shopping to numb the worry and stress of unsteady income, shaky jobs, treacherous home mortgages and rising food and gas prices. When they feel bad for whatever reason, off to the mall, bookstore or even grocery store they go. We’ve all heard it: “When the going gets tough, the tough go shopping!”

Most of us know in our heads that this is a dangerous road but we all have a vice or two. If you’re faced with this dilemma here are a few things you can do:

  • Shop with a friend or family member who will hold you accountable (and who won’t join you in making purchases you both know you shouldn’t)
  • Use a list and promise yourself not to deviate from it
  • Use your debit card (did you know that if you are carrying a balance on your credit card, there is not grace period – interest starts adding on immediately)
  • Create a “cooling off” period by putting items on hold and coming back in 24 or 48 hours
  • Ask yourself “Do I need this or do I want it?” (Download my free “Wishes and Needs” Worksheet)
  • Develop a list of fun things to do and choose one when you feel like shopping
  • Know that it’s OK to have the urge to shop and not respond
  • Find another way to get your “fix”
  • Stay off the internet if that’s your shopping vice

My weaknesses are books and trainings. In the case of books, I’ve made a vow (and I want you all to hold me to it) that I’m going to re-read every one of the books that I’ve got in my office. I’m sure there are a few I’ve never even gotten to! I also like to read novels so I’m going to put $20 per month in my Fun bucket for those (I get them used at our local bookstore – Artifacts – and take the ones I’m finished with back for store credit) so I can keep from feeling deprived. It’s a serious reduction from what I spent last year.

What’s your vice? What are your alternatives? How will you keep from feeling deprived with your new choices?

Warmly, Cindy Morus

P.S. Right now I’m reading The E-Myth for Physicians by Michael Gerber.

Simple Toys and Fun for Babies and Tots Is Best

Simple Toys for KidsThis week I talked with a mom of two who owns a website with lots of play activities and ideas for parents and kids. With a background in education, she knows that the best toys are usually the simplest, old fashioned ones. While so called “educational” toys are touted as best for baby’s developing brain, there is no evidence to prove this.

Melitsa shares some ideas on Natural Moms Talk Radio show this week on how to entertain your baby and toddler without spending much (or any!) money. More information on old fashioned and natural toys for baby can be found here.

Free Will & Trust Kit From Suze Orman (online version)

Free WillSuze Orman is making her online Will and Trust Kit available to all at no charge. I don’t know how long it will last! Here’s how to get it:

  • Go to SuzeOrman.com.
  • Click on Will & Trust Kit link on upper left menu.
  • Click the orange Gift Code button.
  • Type “people first”.

You can create a will, a revocable trust, Financial Power of Attorney, and an Advanced Directive / Durable Power of Attorney for Healthcare. No more excuse and it’s f-r-e-e!

This is a pretty basic package so if you have a large estate or other issues, you’ll want to consult an estate attorney. You can still go ahead and do the Healthcare Power of Attorney, though and save your family the heartache of having to make end-of-life decisons for you.

Note that you are creating this online and all your data is stored on Suze Orman’s servers. A product like Quicken WillMaker lets you keep all the data on your computer and costs around $50.

Warmly, Cindy Morus

Summertime is the Right Time for Smoothies

Smoothie RecipesSmoothies are awesome summertime fare. You can whip up a smoothie for breakfast or lunch (or heck – dinner too!) and save time, avoid heating up the kitchen with hot appliances, even save money.

“Eating” smoothies can help with weight loss too if you do it right. And don’t forget sneaking healthy ingredients in your yummy creations that the kids might spit out otherwise. ;)

I have some tips and ideas as well as 44 smoothie recipes in my new smoothie ebook. You can learn more about it here:

Smoothie Recipes

Balance & Your Home Business

Business & Home BalanceBy Aurelia Williams, author of Balancing Work and Family

For moms who work from home, balancing the home and business sides of their lives can feel downright impossible, especially when the reason they began working from home was so they could spend more time with family.

However, many home businesses actually fail because moms don’t manage to balance business and home life. How can you juggle your family’s needs, your business needs and occasionally find some time for your needs without being a super hero?

The first thing any mom should do to achieve balance is to get the family involved. If your children and husband support you, you will find that they interrupt less often and are more likely to pitch in to get household chores done. You’re probably thinking that will happen the day the moon turns to blue cheese, right?

However, if you mention that you need to get a major project done and will be able to buy a pizza and rent a video when you are paid, you may be surprised at how quickly everyone pitches in to help out.

If you have young children, they may not be able to understand the concept of waiting for a reward. To get your younger children involved, try explaining what you are doing in very simple terms and having them help you.

Set up a small desk or table for your toddlers and add crayons and paper so they can help you with your work by drawing some pictures or writing a letter. Children that are a bit older can put stamps on envelopes and seal them, paperclip papers together or do other simple organizational tasks.

Of course, no matter how supportive your family and friends are, they are not going to be happy if you work 15 hours a day.

Make sure that you ask for uninterrupted time to do your job or run your business, but also make sure that you schedule time for your family and friends. While you are making up that schedule, don’t forget your significant other. If you sit at your computer all evening after the children are tucked away for the night, you may end up with some serious relationship issues!

Once your family and friends are involved and you’ve scheduled time for them in your life, it is time to consider a few ways to make the most of your valuable work time.

While you may be tempted to work non-stop during the time you have dedicated to your business, you should actually try to take some breaks. Taking a half-hour walk or having lunch away from your desk can really help you recharge your mind and keeps your body from growing stiff and tired. When you sit back down, you can do so with a clearer view of your goals and fresh energy and focus.

Also, don’t be afraid to make a “to do” list for your business. Write the four or five items you absolutely must do on your list and promise yourself that you will get them done before you visit your favorite forums or check your email. This can really help you get more work accomplished in less time.

So, although you may not have super powers, you can still have a home life, a business life and some time for yourself. The next time you are feeling overwhelmed, take a deep breath, ask your family for some help and try out a few of these great ideas for balancing your life.

Get More Help:

Working at home can be extremely rewarding, but it’s challenging. Get the help you need with Real Life Guidance to Balancing Work and Family. It’s your practical guide to tracking your time, setting priorities, learning to say no and achieving that balance you strive for.

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