Trim your spending, firm up your savings, work out your gift giving and get your investing in top shape—just in time for the festive season. If you’re like most of us, the holidays do a real doozy on the fitness level of your finances. Want your kids to open the present they asked for from the big man in the red suit, but also make sure it works for your wallet (i.e., is something you found on sale, savvy shopper that you are)? The prudent holiday shopper keeps her gift list tucked in her bag or typed into her PDA all year long, picking up items when she finds the right price and stashing her cool finds in a secret gift closet—conveniently stocked with wrapping paper and bows purchased at post-holiday sales the year before, of course. Speaking of losses, the end of the year is a time to go through your investments and do some end-of-year tax planning. Not only are the holidays the season for giving, but many people seek to bulk up on tax-deduction receipts before the year is out. If you own mutual funds in non-registered accounts (for example, outside your RRSP), the end of the year is a good time to check with your mutual fund companies to see what the estimated distributions will be, so you can do your tax planning around them. With all the money you save from these tips, you should have enough to make that TFSA contribution come January 1. By clicking "Create Account", I confirm that I have read and understood each of the website terms of service and privacy policy and that I agree to be bound by them. I would like Chatelaine to send me alerts, event notifications and special deals or information from our carefully screened partners that may be of interest to me.
So this one may not be as nutritious as the green smoothie, but it will be healthier and cheaper than the one you get at McDonalds and just as delicious. You can also scramble or fry and egg in a small frying pan in a minute or two right on the stove top. If you’re not hungry right away in the morning, like me, then make your breakfast, bring it with you, and eat it when you first start to feel hungry. Related Posts10 Ways to Jumpstart Your Day9 Simple Tricks to Supercharge Your whole Day5 Snacks That will Smash That Afternoon Groggy FeelingBy Mistake: 6 Things You Do That Kill Your ProductivitySnap out of it! Kids are proud to make breakfast, but tiny hands are not well suited for frying, flipping or boiling. My girls love to cook and could crack an egg before they were out of diapers, so they’re able to make this easy recipe almost completely on their own with just a little help getting the muffin tin in and out of the oven. 2.  Grease a muffin tin with butter and place one slice of bread into each hole pressing down in the middle. I saw this on The SITS website and I am so excited to make this for my family tomorrow and have my 9 & 7 years help me. The Organized Cook™ Weekly Meal PlanNever worry again about what you’re going to make for dinner. Three months of our most popular menus from The Organized Cook™ Weekly Meal Plan System including grocery shopping lists, cooking instructions and lots of time and money saving tips in one book that's easy to fit in your purse.Start saving now! Sign up now to stay posted with news from Toni Spilsbury, The Organized Cook and receive your free Weekly Meal Plan.
Nowadays stores are flooded with lots of cool and useful gadgets that catch your attention every time you see them. Well, if inspiration and ideas is what you need to start crafting your own cool gadgets and useful items, you are on the right place because you will have the chance to get a lot of ideas from the images below. Welcome to a DIY collection in which we have featured 35 Creative Ways To Recycle Wooden Pallets. The images featured in this collection are full of ideas which will show you how to reuse old materials, in this case wooden pallets which you can recycle along with other items. The best part in crafting is that in the end you get something cool while also improving your crafting skills and saving money.
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Have you noticed all the noise from posts and articles about setting goals for the New Year?
A Vision Board is simply a visual representation of your most important goals, aspirations, or intentions. Believe it or not the one and only reason I started using Pinterest was so I could create my vision board there instead of having the poster board laying around getting wrinkled or hidden in a notebook on a shelf.
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Read on for some fun and festive strategies to keep your finances in tip-top shape this season and to avoid adding unwanted weight to your credit card statement.
We snagged a pair of very cool (and warm!) Joan of Arctic Sorel boots for $75, down from $220.
Start with $10 off just by signing up for the newsletter, and enjoy other incentives like 10 percent off purchases of $500 or more.
She is poised, prepared and ready to fearlessly face the holidays without the threat of busting her budget by needing to buy all her gifts in one go.
If you’re a last-minute Lucy, we advise you to avoid shopping the week before the big day and wait instead until the day before. Kandace McCorrister, co-founder of the online wedding and relationship community LearnLove.org, says 23 percent of guys pop the question during the holiday season.
Well, they do, so forget Santa and take advantage of gift-bearing stocks at this time of year!
You can offset some of the tax you will owe on your gains by declaring some of your losses. If you choose to make a generous gift to charity, consider giving shares, mutual funds or ETFs rather than cash. Mutual funds distribute their income and capital gains to anyone holding units of their funds as of December 31.
It is best to eat fruit on an empty stomach so morning is the perfect time for a fruit smoothie.
Another side benefit of drinking green smoothies is that they reduce your cravings for junk food. They have written for the LA Times, The Washington Post, President Bill Clinton's White House, Forbes, and more. I?ll show you easy ways to spend less time and money at the grocery store, less time in the kitchen and more time with your family.
My husband was so surprised because I never make breakfast, but they were so easy and delicious! It takes a little more work to get them to stay in the pan compared to regular bread, but the recipe turned out perfectly. But what usually holds us back from purchasing them is that they cost more money than you are willing to spend on something such as that, in fact, most of the times these gadgets cost more than they are worth.
In the event that there is still a problem or error with copyrighted material, the break of the copyright is unintentional and noncommercial and the material will be removed immediately upon presented proof. I’d like to recommend an alternative to the usual list of goals or New Year Resolutions.
The season is stuffed with other unavoidable obstacles to throw you off course, from hostess gifts to hosting parties, from making feasts to baking cookies, from charitable giving to cheery decorating. As a special present to you, we’ve also thrown in a few gift ideas to boost the financial well-being of the ones you love.
If you keep a watchful eye out, you may have a chance to sell high the stocks that you bought low.


So if you buy in December, you could find yourself having to kick in for the fund’s annual tax bill, without even having a chance to gain anything yourself. If you wait 5-10 minutes in line, you could use that time instead to make your own quick breakfast that is cheaper, tastier, and healthier. By blending your greens you’ll be releasing all the amazing nutrients that are often left locked inside unless you chew them extensively.
But the worst part is that they are so simple that when you see them, you know you could’ve made that by yourself if you only had some inspiration and ideas. Images and visuals stir our emotions so that powerful subconscious thoughts go to work to make our visions a reality.
On top of that, you may have travel costs and, of course, there’s always the question of what to wear to all those social events.
Sign up for the newsletter for free-shipping notices and to be alerted the moment uber-sales begin. Daily deal incentives mean you can treat someone special to something they might not otherwise do (and you might not otherwise be able to afford) simply by signing up for email alerts.
Not only will you put your speed-shopping habits to the test, you’ll nab many of the Boxing Day sales before the December 26 rush, since most sores have inventory slashed and ready to unload by Christmas Eve. This way, you receive a tax receipt for the full value of the donation without triggering capital gains tax. Please check your email, click the link to verify your address, and then submit your comment. Wrap in plastic or tinfoil and bring it along with you or enjoy it at home with a tall glass of orange juice. Many sites offer free shipping if your total exceeds a certain amount (usually $25 to $100), and in most cases, returns are done easily at the retail location nearest you (or you can always ship something back). We’re also talking 70 to 90 percent off spa treatments, cooking classes, tango lessons, concert tickets or a night out at a favourite restaurant.
Word to the wise: Make sure you head into the fray with a detailed list of what you need so you can make quick decisions and get out fast. The charity gets its much-needed funds and you get all of the tax receipt and none of the tax.
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Binge eating at night stems from accumulated stress and hunger that is built up during the day. Examples: Kind, Compassionate, Enthusiastic, Optimistic, Positive, Loving, Strong, Adventurous, Patient, etc. Because the biggest cost of a wedding is typically the reception (food and alcohol can run up a hefty bill—where are the teetotallers when you need them?), and booking your wedding during an off-peak time (may we suggest December 23 or 27?) or a day other than a Saturday can save you 20 to 30 percent off your reception costs. You can ward this off by keeping your energy levels consistent throughout the day starting with a nutritious breakfast. Most retailers have cut-off dates by which items need to be bought so you receive them early enough.
Bonus: Many venues will already decked out for holiday parties, so you’ll be slashing your decorating budget to boot!



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