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	<title>Work at Home Witch</title>
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	<link>http://workathomewitch.com</link>
	<description>The Online Magazine for Work at Home Witches</description>
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		<title>Taming Toddler Tantrums: Tips that Really Work</title>
		<link>http://workathomewitch.com/parenting-practices/taming-toddler-tantrums-tips-that-really-work/</link>
		<comments>http://workathomewitch.com/parenting-practices/taming-toddler-tantrums-tips-that-really-work/#comments</comments>
		<pubDate>Tue, 10 Nov 2009 10:45:00 +0000</pubDate>
		<dc:creator>Staria, The Busy Witch</dc:creator>
				<category><![CDATA[Parenting Practices]]></category>

		<guid isPermaLink="false">http://workathomewitch.com/uncategorized/taming-toddler-tantrums-tips-that-really-work/</guid>
		<description><![CDATA[Young parents get scared when they hear stories about the “terrible twos.” Take courage, though, you will survive the toddler stage.  It’s not easy to understand why your toddler has a tantrum but at such a young age, a child is consumed with thoughts of themselves.  Everything is about them and how they [...]]]></description>
			<content:encoded><![CDATA[<p>Young parents get scared when they hear stories about the “terrible twos.” Take courage, though, you will survive the toddler stage.  It’s not easy to understand why your toddler has a tantrum but at such a young age, a child is consumed with thoughts of themselves.  Everything is about them and how they feel.  Until they are taught how to share, every toy or piece of food they see automatically belongs to them.  </p>
<p>Toddler temper tantrums can have a variety of effects.  Your first thought might be that everyone is focused on you and your screaming child, but getting embarrassed won’t diffuse the situation.  Besides, as a parent, you have many more years of embarrassing situations to look forward to courtesy of your children.  So worrying about what others think during this situation is simply going to stress you and make you feel worse. </p>
<p>Here are a few tips to help you cope during tantrums:</p>
<p>1. Ignore the tantrum.  This technique works best when at home.  In public places, you don’t want to ever leave your child unattended as a form of punishment.  Good behavior in public begins at home.  Ignoring a toddler is not harsh.  If your child is squirming on the floor screaming for a cookie, continue to talk to them as if you never noticed.  Eventually, they will get the hint and stop screaming.  </p>
<p>2. Avoid instant gratification.  In public, toddlers throw tantrums when they are denied something that they want.  Some parents give in to keep their child quiet but a child learns quickly.  Tantrums will continue if they know you will cave.  Simply tell them “no” and keep moving.</p>
<p>3. Don’t get angry.  When you scream and they scream the situation is wildly out of control.  You’ll end up crying and your toddler will still be screaming.  In any situation, raised voices mean civilized conversation has ended in favor of basic primal instincts.  Don’t revert back to the days of early man.  Keep using the same calm voice you use when they are behaving to get your child to calm down as well.</p>
<p>4. Praise your toddler when they behave well.  Positive reinforcement is better than negative.  In the absence of positive attention a child will behave badly just to get some attention at all.  Acting out and throwing tantrums may be a cry for attention.  Don’t let it get to this point.  Clap and celebrate when they go to the potty successfully and when they put away their toys.  Good manners such as saying “please” and “thank you” deserve a smile and a hand clap as well.</p>
<p>5. Run errands after nap time.  Kids get punchy when they get tired.  A toddler misbehaves more often if they are dragged around when they are tired.  </p>
<p>6. Carry snacks with you.  Low blood sugar can lead to tantrums.  If you are out longer than anticipated and lunch or dinner time is close at hand, let them eat a healthy snack to keep their hunger pains at bay and sugar levels stable.</p>
<p>7. Be consistent in your punishment.  At home, you might use “time out” to deal with a tantrum for bad behavior.  In public do the same.  Sit your child on a bench for five minutes or take them to the car.  Eventually they will learn that you are not a pushover and they will begin to behave.</p>
<p>You will survive the toddler years.  Nip temper tantrums in the bud with the above tips.</p>
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		<title>Quick and Healthy Breakfast Ideas</title>
		<link>http://workathomewitch.com/mealtime-madness/quick-and-healthy-breakfast-ideas/</link>
		<comments>http://workathomewitch.com/mealtime-madness/quick-and-healthy-breakfast-ideas/#comments</comments>
		<pubDate>Mon, 09 Nov 2009 10:45:00 +0000</pubDate>
		<dc:creator>Staria, The Busy Witch</dc:creator>
				<category><![CDATA[Mealtime Madness]]></category>

		<guid isPermaLink="false">http://workathomewitch.com/mealtime-madness/quick-and-healthy-breakfast-ideas/</guid>
		<description><![CDATA[Breakfast is the most important meal of the day.  Unfortunately, many of us neglect breakfast.  And there’s a lot of evidence to suggest that your body and mind will suffer unless you have a healthy breakfast each morning.  
You spend six to eight hours sleeping.  After that time, your body needs [...]]]></description>
			<content:encoded><![CDATA[<p>Breakfast is the most important meal of the day.  Unfortunately, many of us neglect breakfast.  And there’s a lot of evidence to suggest that your body and mind will suffer unless you have a healthy breakfast each morning.  </p>
<p>You spend six to eight hours sleeping.  After that time, your body needs fuel to keep going.  Without breakfast at home, your options for on the run nutrition may amount to too much fat, too much sugar and too many carbs.  And, that convenient run to the fast food joint is not as convenient and time saving as you think if everyone else has the same idea.  The fifteen or twenty minutes spent in line could have been used to fill your belly with something good at home.  </p>
<p>If you are the type to skip breakfast, here is a solution to starting the day with a good breakfast which will help you keep hunger in check as well as give you the natural energy boost to start your day.</p>
<p>1. Oatmeal – This food makes a good hot meal that contains lots of filling fiber to keep you from getting hungry later on in the morning.  Depending on your taste, you can take five minutes to fix it on the stove or use the microwave for instant oatmeal.  Kids tend to like the variety of flavors that come with instant oatmeal.  The night before, put together a container of add-ins like blueberries, strawberries and bananas that can be tossed on top for a bit of antioxidant power.</p>
<p>2. Fruit smoothies – These are good any morning but particularly on a hot day.  You’ll have to blend the ingredients together in the morning, but the prep work can be done at night.  Cube your fruit and place it into a container.  Instead of frozen yogurt in the morning, use a cup of plain yogurt.  Add ice cubes, a little water and blend.</p>
<p>3. Egg sandwich – The eggs can be cooked the night before and placed in a sealed container.  In the morning, warm up the eggs in the microwave.  If you want, add some chopped veggies or shredded cheese.  Serve on toasted wheat bread.  The night before, place two pieces of bread into a Ziploc bag for each family member.  They can toast their bread as they get up and place the sandwich in the bag for easy transport in the car to work or school.</p>
<p>4. Yogurt with granola and fruit – Some people like to eat yogurt.  But, yogurt by itself won’t keep you from being hungry.  Add some granola and a few blueberries to the mix.  This makes a great breakfast idea for those mornings when you are running late.  Keep small bags of granola and blueberries in the fridge next to the yogurt so you can grab them and run.</p>
<p>Are you fighting the breakfast battle?  To get a filling meal you don’t have to opt for too much fat, calories or carbs.  These quick and easy breakfast ideas can be made within minutes and are a much healthier alternative to skipping breakfast or grabbing a high fat alternative. </p>
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		<title>How Moms can Make Money Helping other Moms</title>
		<link>http://workathomewitch.com/making-money/how-moms-can-make-money-helping-other-moms/</link>
		<comments>http://workathomewitch.com/making-money/how-moms-can-make-money-helping-other-moms/#comments</comments>
		<pubDate>Sun, 08 Nov 2009 10:45:00 +0000</pubDate>
		<dc:creator>Staria, The Busy Witch</dc:creator>
				<category><![CDATA[Making Money]]></category>

		<guid isPermaLink="false">http://workathomewitch.com/uncategorized/how-moms-can-make-money-helping-other-moms/</guid>
		<description><![CDATA[If it’s one thing moms can do it is stick together. Making life run smoothly with kids, home and career can be a tall order. Communicating with other moms helps to ease the stress. If you are looking for a business venture, why not make money helping moms just like yourself?
What will you offer to [...]]]></description>
			<content:encoded><![CDATA[<p>If it’s one thing moms can do it is stick together. Making life run smoothly with kids, home and career can be a tall order. Communicating with other moms helps to ease the stress. If you are looking for a business venture, why not make money helping moms just like yourself?</p>
<p>What will you offer to these moms? Well, your product is as close as your memory. Your expertise is the product you can market to moms everywhere. There are situations that you have encountered and overcome as a mom that other mothers are facing too. They could benefit from what you know to make their life a bit easier.</p>
<p>Packaging your Product – EBooks</p>
<p>Put your advice down on paper. You probably have a lot of good advice to offer but it won’t sound like much unless you can get it out of your brain and into a legible format. If you have a talent for writing this will be less of a challenge for you. Take a writing course to bone up on the finer points of writing outlines and organizing your thoughts on paper.</p>
<p>Your format for these organized thoughts is an eBook. Everyone has heard of them but might not know exactly what they are. An eBook is essentially a book in digital form. You can create and publish them yourself. For the work that you put into the project, you are greatly rewarded with pure profit.</p>
<p>The first consideration is the length of your eBook. A typical eBook can have as few as 70 pages or as many as 150. People will pay more for longer eBooks. </p>
<p>EBooks are popular media because they can be downloaded or printed in an instant. As soon as the payment is processed, the customer gains access to the eBook. No storage space other than what is on your computer or flash drive is needed to house the eBooks you buy.</p>
<p>Selling your EBooks</p>
<p>Consider your market – other moms. Let’s say that the subject of your eBook is getting a toddler through the terrible twos and threes. Fill your eBooks with information that moms want to know:</p>
<p>•	Tips for bedtime<br />
•	Disciplinary tips<br />
•	Going out in public<br />
•	Dealing with mom stress<br />
•	Testimonials<br />
•	True life examples</p>
<p>All of these ideas can be used to flesh out your eBook. These same bullet points can be selling points for your eBook. When creating the eBook website page, use snippets from stories in the book, testimonials from others who have read the book and a partial list of chapters in the eBook as advertising on the page. </p>
<p>Condense chapters into enticing articles that you submit to article directories. Don’t give away too much because you want moms to buy your eBooks. Supply a link to your website in the resource box.</p>
<p>As a mom you can join online forums to share your helpful advice with other moms. Use a link to your eBook page in your signature line for easy access. As you develop a following on these forums, other members will visit your site and see your eBooks.</p>
<p>EBooks can be used to share information that you have learned as a mom with other moms. They are easy to create and with a marketing strategy, can bring large profit to your business.</p>
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		<title>Home Organization 101: Easy Steps to a Clutter Free Home</title>
		<link>http://workathomewitch.com/organized-mess/home-organization-101-easy-steps-to-a-clutter-free-home/</link>
		<comments>http://workathomewitch.com/organized-mess/home-organization-101-easy-steps-to-a-clutter-free-home/#comments</comments>
		<pubDate>Sat, 07 Nov 2009 10:45:00 +0000</pubDate>
		<dc:creator>Staria, The Busy Witch</dc:creator>
				<category><![CDATA[Organized Mess]]></category>

		<guid isPermaLink="false">http://workathomewitch.com/organized-mess/home-organization-101-easy-steps-to-a-clutter-free-home/</guid>
		<description><![CDATA[When you first move into your home it seems like you have so much space.  As the years pass, you might find yourself becoming a pack rat.  What are you going to do with all the stuff you have accumulated?  Perhaps it’s time to weed out the unnecessary items and organize your [...]]]></description>
			<content:encoded><![CDATA[<p>When you first move into your home it seems like you have so much space.  As the years pass, you might find yourself becoming a pack rat.  What are you going to do with all the stuff you have accumulated?  Perhaps it’s time to weed out the unnecessary items and organize your home.</p>
<p>Home organization is a step-by-step process.  It will take more than a day or even a week to get everything to a manageable level, but once you do staying organized is an easier task.  If you have a family, enlist their help.  They can pitch in and learn a thing or two about controlling clutter in their life.  </p>
<p>1. Start with the high traffic areas.  The living room and kitchen are usually the two most used rooms in the house.  Everything gets dropped on a counter or the couch in these two places.  Concentrate on getting everything set up the way that you like it before moving on to another room.</p>
<p>2. Use storage containers.  Over the years, the style of storage containers has upgraded to be pretty as well as functional.  Instead of storing containers in stacks in the garage, purchase ones that match your décor in each room and integrate them so that no one would even notice they were being used for storage.</p>
<p>3. Divide items into categories.  You can use heavy duty trash bags for this part.  Everything that you find can go into a pile: KEEP, THROW AWAY, GIVE AWAY, and RELOCATE.  Items that will stay in that room are to keep.  Things that you don’t need or are broken can be thrown away.  Clothes or furniture still in great condition can be donated and scheduled for pickup by the Veteran’s association or Goodwill.  Anything that definitely belongs in another room can be labeled for relocation when you get to that room.</p>
<p>4. Remove everything from drawers and cabinets.  This is a time-consuming process but it is easier to start with an empty space and fill it instead of simply pushing things around.  If you line things up on the counter, someone else can help by putting the items in some type of order.</p>
<p>5. Make use of all of your available space.  In the kitchen, for example, appliances or extra containers can be stored on top of the cabinets provided they don’t extend all the way to the ceiling.  That’s extra storage space without benefit of a storage container.  Also use the top of the refrigerator for cereal boxes and breakfast food like boxes of instant oatmeal or grits.  In the bedroom, shoes and winter clothes can go into flat storage bins that slide easily under the bed or the dresser.</p>
<p>6. Label your containers.  Use tape and a permanent marker to identify the contents of your storage containers.  Avoid writing on the actual container in case they are reused and the contents are changed.  Labeling also makes for easy identification if you decide to sell or give away a container of books or something.  You won’t have to open each container to locate them.</p>
<p>Organizing your entire house takes time.  But, once it is done, returning everything you use to its proper place will maintain that same level of organization.</p>
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		<title>Dinner with the Family: It’s More Important than you Might Think</title>
		<link>http://workathomewitch.com/mealtime-madness/dinner-with-the-family-it%e2%80%99s-more-important-than-you-might-think/</link>
		<comments>http://workathomewitch.com/mealtime-madness/dinner-with-the-family-it%e2%80%99s-more-important-than-you-might-think/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 10:45:00 +0000</pubDate>
		<dc:creator>Staria, The Busy Witch</dc:creator>
				<category><![CDATA[Mealtime Madness]]></category>

		<guid isPermaLink="false">http://workathomewitch.com/mealtime-madness/dinner-with-the-family-it%e2%80%99s-more-important-than-you-might-think/</guid>
		<description><![CDATA[When was the last time you had dinner with your family? It is the meal we often skip because we work late, the kids have sporting events or we get tired from daily activities. But, skipping dinner with the family is detrimental to the family dynamic.
Family dinners are more than just a meal. It is [...]]]></description>
			<content:encoded><![CDATA[<p>When was the last time you had dinner with your family? It is the meal we often skip because we work late, the kids have sporting events or we get tired from daily activities. But, skipping dinner with the family is detrimental to the family dynamic.</p>
<p>Family dinners are more than just a meal. It is about the only time that families have to share time through the week. Whether you sit down to the dinner table or enjoy a meal on tray tables and a movie in the family room, the important thing is that you are together. </p>
<p>There are some interesting facts surrounding family dinner time. For instance, teens that spend dinner time eating with their family are less likely to get involved in drugs, alcohol or other illicit activity. This is a point many parents will find interesting. Out of all of the things you do to try to keep your kids away from bad influences, the one thing that is the greatest influence is still the event that we skip routinely.</p>
<p>Why is dinner so important? For one thing, it is a time to share thoughts and feelings. All day, kids are influenced by teachers, friends and the outside world. At the dinner table, they get a chance to connect with their parents on tough issues like schoolwork, peer pressure, friendships and other things. They can each share and help one another with helpful suggestions. Parents can even talk about work or family finances over a meal.</p>
<p>The main point is that conversation is taking place. The average parent talks to their child less than 40 minutes a week. It takes a second to say “Hi” when you come in at night, but that isn’t effective communication. When dinner is shared by the family, you spend at least 45 minutes to an hour talking about everything and anything that may be on your mind. Even if you are watching a television program, engaging questions can arise from topics addressed in the program.</p>
<p>Young children learn how to communicate with their siblings and parents. They are the center of attention with questions about their day and it makes them feel happy. You know that kids always want to be in the limelight when they are a certain age and this helps them learn to share the spot with others.</p>
<p>For teenage girls, body image is everything. Learning to prepare and eat healthy meals with their families is a sign that eating right will keep their bodies in shape and not avoiding food. Teen girls are less likely to become the victim of an eating disorder but develop a healthy view of food and their bodies when they eat dinner with their families.</p>
<p>There are many benefits to eating dinner with the family. It is a time for meaningful communication that leads to stronger self-images that resist the urge of drugs, alcohol and other destructive behaviors in your kids and teens.</p>
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		<title>Easy Relaxation Tips for Busy Moms</title>
		<link>http://workathomewitch.com/relaxation-readiness/easy-relaxation-tips-for-busy-moms/</link>
		<comments>http://workathomewitch.com/relaxation-readiness/easy-relaxation-tips-for-busy-moms/#comments</comments>
		<pubDate>Thu, 05 Nov 2009 10:45:00 +0000</pubDate>
		<dc:creator>Staria, The Busy Witch</dc:creator>
				<category><![CDATA[Relaxation Readiness]]></category>

		<guid isPermaLink="false">http://workathomewitch.com/relaxation-readiness/easy-relaxation-tips-for-busy-moms/</guid>
		<description><![CDATA[It seems like there is no rest of the weary.  And, the weary person is usually mom.  Moms take care of hearth and home, but who takes care of her?  If you are a busy mom, learn to value yourself as a person and schedule personal time.
Personal time is a right of [...]]]></description>
			<content:encoded><![CDATA[<p>It seems like there is no rest of the weary.  And, the weary person is usually mom.  Moms take care of hearth and home, but who takes care of her?  If you are a busy mom, learn to value yourself as a person and schedule personal time.</p>
<p>Personal time is a right of being a person.  Each of us has the capacity to nurture others but that type of care takes its toll.  </p>
<p>A car is filled with gas to make it run.  Eventually the gas runs out and your car won’t move unless the car is replenished with fuel.  The same goes for you.  Emotional issues can develop when you don’t take the time to take care of your emotional well-being, not to mention the physical results of emotional neglect.</p>
<p>Mom time refuels the tank so that you can give to your family as well as yourself in equal measure.  Don’t be ashamed to sit for fifteen minutes doing nothing.  In the springtime, relaxing in a hammock under a tree is the perfect getaway from the pressures of the day.  Reading a book for 30 minutes can also seem like heaven to many moms.</p>
<p>Here are a few tips to help you fit in much needed “mom” time:</p>
<p>1. Get up early if you have to.  When you have kids, the day begins at a hurried pace.  Once you hit the ground running, there is no stopping you.  Waking 30 minutes to an hour ahead of time means quiet solitude to drink your coffee, read a book, meditate or listen to music.  </p>
<p>2. Turn ordinary experiences into major events.  When you take a bath, add candles, bubble bath, quiet music and/or an inflatable bath pillow.  Your regular bath has now become a spa level experience.  If you watch a movie, turn out the lights, pop a bag of microwave popcorn and curl up on the couch.</p>
<p>3. Ask your significant other for help.  Kids love their mothers but time spent with dad is important too.  Let them bond with dad while you go shopping for a new outfit or root around in the garden.  Since the time is yours, do whatever you like.  </p>
<p>4. Use the Boy Scout motto.  Always be prepared and you can spend more time in a relaxed mode.  Fix lunches the night before.  Iron clothes for the next day and place backpacks by the front door so kids can grab them on their way out.  The fewer things you have to do throughout the day, the calmer you will be with your family and not experience burnout.</p>
<p>5. Take exercise breaks.  When you get a few minutes the last thing you want to do is exercise but getting a little physical activity in your day has far-reaching implications.  Exercise helps you to think clearly and stretches the muscles.  Also, stress will drain away as powerful endorphins are released into your system.  Do jumping jacks during a television commercial or jog to the bus stop to pick up the kids.</p>
<p>6. Laugh at regular intervals.  Keep a funny calendar cube on your desk or subscribe to a daily joke site.  Laughing releases stress and can lift your spirits significantly.  It also keeps the abs tight.</p>
<p>Moms, take care of you.  Your family would miss you if you were not around to love and care for them.  You owe it to yourself and you deserve a break from the daily hustle and bustle.</p>
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		<title>How to Build Communication Bridges with Your Teen</title>
		<link>http://workathomewitch.com/featured/how-to-build-communication-bridges-with-your-teen/</link>
		<comments>http://workathomewitch.com/featured/how-to-build-communication-bridges-with-your-teen/#comments</comments>
		<pubDate>Wed, 04 Nov 2009 10:45:00 +0000</pubDate>
		<dc:creator>Staria, The Busy Witch</dc:creator>
				<category><![CDATA[Communication Counts]]></category>
		<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://workathomewitch.com/communication-counts/how-to-build-communication-bridges-with-your-teen/</guid>
		<description><![CDATA[Raising a child doesn’t come with a book of instructions.  If it did, the task would be much easier.  Facing the teenage years with your son or daughter is not something most parents look forward to.  This article will help you take the experience one day at a time and learn how [...]]]></description>
			<content:encoded><![CDATA[<p>Raising a child doesn’t come with a book of instructions.  If it did, the task would be much easier.  Facing the teenage years with your son or daughter is not something most parents look forward to.  This article will help you take the experience one day at a time and learn how to bridge the communication gap.</p>
<p>As your child goes from toddler to youngster to tween to teenager, something in what you say gets lost in translation.  They can give you that blank stare as if the words that are coming out of your mouth sound like the unseen teacher in the Charlie Brown cartoons.  </p>
<p>It’s not easy to improve the communication bridges with a teen but it’s important to try to get through as these years and the choices they make now will have a vital impact on their future. </p>
<p>Here are a few tips to help you get started:</p>
<p>1. Watch your body language.  How you move says a lot about you.  When a person is tired, they tend to slump.  When angered, your jaw muscles tighten and your eyes narrow into slits.  Believe it or not, teenagers are good at interpreting body language.  Yours will betray you when you are talking to them.  Keep it open and honest.  Avoid sitting with your arms crossed, eyes looking away from them or squirming in your seat.  </p>
<p>2. Make eye contact.  When you don’t look at the person you are talking to it says that you are either hiding something or you are not at all interested in what they have to say.  Your teenager will shut down emotionally when they suspect that you are not “tuned in” to them.  Sit comfortably and give your teen undivided attention with consistent eye contact.  It lets them know that you care.</p>
<p>3. Keep your emotions in check.  Remember back to when you were a teenager.  Some of the things you said to your parents were aimed at freaking them out.  Teenagers will push your buttons if they can.  Don’t go overboard and get upset.  Their target is the situations they know make you mad.  Instead, take a deep breath and ignore the taunt.  Do the opposite of what they expect because really, they want you to see through their ploy and find out the real problem.</p>
<p>4. Ask them about their day.  This technique works with spouses also.  Even if your teen only grunts or says the obligatory, “It was okay,” ask anyway.  Your show of caring will go a long way to convince them that you are interested in the things that they do and how they feel.</p>
<p>5. Be honest with them.  If you don’t understand the situation they are talking about then say so.  Kids know when you are being insincere.  Discuss the situation until you get an idea of where they are coming from.  Your teen won’t mind explaining as long as they know you are listening.</p>
<p>6. Allow them their privacy.  This one is tricky and since you know your child better than anyone else, you can draw the line.  Teens value their time alone.  While the policy in your home may be that there are no locks on the doors, always show respect by knocking before entering.  If they don’t want to be pressed about a situation in school, wait until they are ready (if it’s not urgent) and then talk about it.</p>
<p>Parenting a teenager takes a tough skin, a willingness to be vulnerable and lots of love.  You will make mistakes but whatever you do, don’t ever stop talking.</p>
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		<title>Every Little Bit of Savings Adds Up</title>
		<link>http://workathomewitch.com/family-finances/every-little-bit-of-savings-adds-up/</link>
		<comments>http://workathomewitch.com/family-finances/every-little-bit-of-savings-adds-up/#comments</comments>
		<pubDate>Tue, 03 Nov 2009 10:45:00 +0000</pubDate>
		<dc:creator>Staria, The Busy Witch</dc:creator>
				<category><![CDATA[Family Finances]]></category>

		<guid isPermaLink="false">http://workathomewitch.com/uncategorized/every-little-bit-of-savings-adds-up/</guid>
		<description><![CDATA[Living on a budget is the key to financial freedom, but getting started can be frustrating. When we look at our expenses and see all of those bills we&#8217;re paying every month, it&#8217;s easy to throw our hands up in disgust. But what about all those little expenses we incur? You might be surprised to [...]]]></description>
			<content:encoded><![CDATA[<p>Living on a budget is the key to financial freedom, but getting started can be frustrating. When we look at our expenses and see all of those bills we&#8217;re paying every month, it&#8217;s easy to throw our hands up in disgust. But what about all those little expenses we incur? You might be surprised to find out just how much they amount to.</p>
<p>It&#8217;s easy to dismiss cutting back on little things. A few dollars a month won&#8217;t make a significant difference in the big picture. But a few dollars here and a few dollars there adds up to a few more dollars. When you cut back in a lot of small ways, you could end up with a lot more money at the end of the month.</p>
<p>Waste Not, Want Not</p>
<p>One thing we can do that is good for the budget is stop wasting so much. This can apply to many areas in our lives. From eating to home heating, waste equals money going down the drain unnecessarily.</p>
<p>Cooking for the family instead of eating takeout or dining out is a great way to save money. But if you&#8217;re throwing food out, the benefit is reduced. So if you have leftovers, don&#8217;t let them end up in the trash. Some dishes freeze well, and this makes for easy dinners when you don&#8217;t have time to cook. You could also eat dinner leftovers for lunch the following day.</p>
<p>If your home is not well insulated, you&#8217;re probably wasting lots of money on home heating and cooling. Insulating will cost some money up front, but it will pay for itself quickly. If you have drafts around windows and doors, weatherstripping can help maintain the temperature of your home.</p>
<p>Most households waste an unbelievable amount of electricity. This can be prevented in part by using energy efficient appliances and light bulbs. Turn lights, televisions, computers and other devices off when you&#8217;re not using them, and open blinds to take advantage of the sun&#8217;s light during the day.</p>
<p>Do Yourself a Favor: Do It Yourself</p>
<p>Any time you pay someone else to do something that you could do yourself, you&#8217;re spending money unnecessarily. This applies to little things like buying coffee instead of making your own, as well as to larger expenses such as home repairs.</p>
<p>Many of us buy coffee or a soft drink from a convenience store or coffee shop on the way to work in the morning. This can really add up over time. Instead, make your own coffee, or buy soda in 2-liter bottles and pour some into a smaller bottle or cup to take with you. The same applies to lunches. Instead of springing for fast food, take a sandwich or something microwavable to work.</p>
<p>While we&#8217;re not all good at all types of repairs and maintenance, most of us can do some things for ourselves. Maybe you could change your own oil instead of paying someone else to do it. If the walls need painting, consider getting friends and family to help you do it instead of hiring a painter. Things like these can save us a noticeable amount of money right away.</p>
<p>When you add up the savings, little things can make a big difference to the budget. So take a close look at your budget and see what small expenses are lurking there. If you can eliminate or reduce them, it could positively impact your bottom line.</p>
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		<title>What’s For Dinner? Menu Planning Tips for Busy Moms</title>
		<link>http://workathomewitch.com/mealtime-madness/whats-for-dinner-menu-planning-tips-for-busy-moms/</link>
		<comments>http://workathomewitch.com/mealtime-madness/whats-for-dinner-menu-planning-tips-for-busy-moms/#comments</comments>
		<pubDate>Mon, 02 Nov 2009 10:45:00 +0000</pubDate>
		<dc:creator>Staria, The Busy Witch</dc:creator>
				<category><![CDATA[Mealtime Madness]]></category>

		<guid isPermaLink="false">http://workathomewitch.com/mealtime-madness/what%e2%80%99s-for-dinner-menu-planning-tips-for-busy-moms/</guid>
		<description><![CDATA[Dinner is the last meal of the day and a time when families can get together and discuss their day. It is also a hectic meal for busy moms who are just getting off of work or who have been busy with other activities all day. If you are a busy mom or you know [...]]]></description>
			<content:encoded><![CDATA[<p>Dinner is the last meal of the day and a time when families can get together and discuss their day. It is also a hectic meal for busy moms who are just getting off of work or who have been busy with other activities all day. If you are a busy mom or you know a busy mom, here are some menu planning tips to help make dinner meals easy and even fun.</p>
<p>1.	Schedule your meals a week in advance.  This is one of the most important planning tips for meals. Knowing what you are going to eat throughout the week means less chance that you will stop off at the closest fast food joint for a convenient, but unhealthy meal. Decide on the last day of the previous week (let’s say Saturday for the sake of argument) what the menu will be for the following week. Create your shopping list from the list of ingredients to avoid buying what you don’t need at the grocery store.</p>
<p>2.	Look for bargains. Clip coupons, read advertising circulars and the like to decide where the best grocery to shop is for your menu items. If one ingredient is a common denominator in many meals, consider buying in bulk to save money. Common staples like milk, eggs, bread and sugar can be bought in bulk as well. Some stores will have double or triple coupon days when you can save even more.</p>
<p>3.	Search online. After a while your family will get tired of chicken and rice every Thursday. You can get into a menu rut sometimes. Use the Internet to search for new and exciting recipes. Learn to put a twist on old recipes for a new taste.</p>
<p>4.	Have a leftover night. After preparing meals for five or six days, there is bound to be some food left over. Designate one night to be leftover night and let everyone mix and match for dinner. It saves mom from having to throw away any food.</p>
<p>5.	Cook your meals in advance. After deciding on a menu plan for the week, go ahead and fix as many meals as you can. Choose a day when the entire family can help like Saturday morning or Sunday afternoon. Each person can take one meal and fix it for the following week. Once everything has cooled, store it in sealed containers or casserole dishes to be frozen until the night it is needed.</p>
<p>6.	Do prep work in advance. All of the meals can’t be cooked at once. Some foods just taste better freshly prepared. For them, so as much prep work in advance as you can. Enlist your kids to help chop (give them the kitchen shears instead) vegetables, dice cooked meat and mix together dry ingredients. The night of the meal, all that is needed is to add the wet ingredients and bake.</p>
<p>Meal time doesn’t have to be all on mom. The entire family can help with dinner so it is a relaxing meal for everyone.</p>
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		<title>Credit Repair Tips</title>
		<link>http://workathomewitch.com/family-finances/credit-repair-tips/</link>
		<comments>http://workathomewitch.com/family-finances/credit-repair-tips/#comments</comments>
		<pubDate>Sun, 01 Nov 2009 10:45:00 +0000</pubDate>
		<dc:creator>Staria, The Busy Witch</dc:creator>
				<category><![CDATA[Family Finances]]></category>

		<guid isPermaLink="false">http://workathomewitch.com/family-finances/credit-family-finances/credit-repair-tips/</guid>
		<description><![CDATA[In some cases, bad credit is a result of irresponsible money management. But it often occurs because of unexpected financial hardship. One day you might have all of your bills current, and the next you could become disabled or lose your job. And if you fall behind on your debts, it will wreak havoc on [...]]]></description>
			<content:encoded><![CDATA[<p>In some cases, bad credit is a result of irresponsible money management. But it often occurs because of unexpected financial hardship. One day you might have all of your bills current, and the next you could become disabled or lose your job. And if you fall behind on your debts, it will wreak havoc on your credit rating.</p>
<p>Credit repair agencies claim that they can remove bad entries from your credit report. But did you know that you can often have them removed yourself at a much lower cost? There are two methods by which you may be able to get negative entries removed from your report.</p>
<p>Option #1: File a Dispute with the Credit Bureaus</p>
<p>The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate any item on your credit report that you dispute. If the information is found to be false, inaccurate or unverifiable, it must be corrected or removed from your report. The bureaus have 30 days from the time they receive notice of the dispute to complete their investigation.</p>
<p>If there is any inaccurate information on your credit report, a dispute is certainly in order. But some people have had luck disputing items that were in fact accurate, including judgments, collections accounts and repossessions. If such items are not verified by the creditor (or the court in the case of judgments) within the time limit for investigation, they must be removed.</p>
<p>If you decide to dispute a legitimate entry, simply write a letter to each of the credit bureaus stating that you dispute that entry. No explanation is required. But keep in mind that if the entry is verified, it will remain on your report. And if the creditor verifies the information after the 30-day time limit, the credit bureau may reinstate the entry as long as they notify you at least 5 days before doing so.</p>
<p>Option #2: Negotiate with Creditors</p>
<p>Dealing with creditors can be intimidating, especially if you&#8217;re not on good terms with them. But speaking to your creditors directly may help you get negative information removed from your credit report.</p>
<p>If you only have a late payment or two on your account, a creditor might be willing to remove the derogatory information once you&#8217;ve resumed a regular payment schedule. If you&#8217;ve experienced repossession or had an account turned over to collections, payment in full might persuade them to remove the negative entry. It sounds like a long shot, but you never know until you ask. Requests to remove late payment information may be made after you&#8217;ve brought you account current. But if you&#8217;re hoping for removal of a repossession or collection action, it&#8217;s best to negotiate a deal before you pay anything.</p>
<p>If You Can&#8217;t Get the Bad Entries Removed</p>
<p>There is no guarantee that disputing information on your credit report or negotiating with creditors will get negative items removed from your record. If it doesn&#8217;t, the best thing you can do is try to build up some positive information on your report.</p>
<p>The first thing you need to do when trying to rebuild good credit is bring past due accounts current. Try to work out a deal with your creditors to accomplish this, or talk to a credit counseling agency. But don&#8217;t miss payments on current accounts to put money toward those that are past due. If it comes down to paying one or the other, keep the current account current.</p>
<p>Once you&#8217;ve brought all of your accounts current, put a priority on keeping them that way. Making your payments on schedule will raise your credit score, and with the passage of time, the good entries may outweigh the bad.</p>
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