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Financial Management: Tips for a Single Parent

Saturday, February 14, 2015

If you are raising children on your own, being mindful about your monthly budget is very important. It's also necessary to teach the kids good spending habits and how to save. In order to save money, make and stick to a feasible budget, live below your means, save for emergency situations, and teach your children the importance of financial management.

Written here are tips on managing your finances:

1. Make a budget by carefully looking at your monthly income and finding out the money you can save on a monthly basis.

2. Do not take on additional debt. You wouldn't be able to save money if you open more lines of credit. So instead of getting a new credit card, work on eliminating any credit card debt.

3. Monitor your spending. Evaluate the amount of money you spend on clothes, transportation, insurance, food, utility bills, child care, etc.

4. Think of ways to reduce your monthly expenses. For instance, switch to a less costly cable service, or cancel your gym membership and start biking or walking.

5. Save money on child care. Ask help from some of your trusted family or friends before you spend a huge sum of money on babysitters. Ask for less expensive child care referrals from school, church, and the neighbourhood. Enroll all of your kids in the same day care for you to take advantage of sibling discounts.

Take advantage of municipal and county resources, if there are any available. You could also contact a nonprofit organisation to ask assistance in looking for a less expensive child care.

6. Before heading to the grocery store, make a list of everything you need. Making a grocery list and sticking to it help you avoid making additional purchases, saving you money. Compare prices. As much as you can, bring your budget down.

7. When buying clothing, get from discounted racks. Accept hand-me-down clothes from your friends and family who have older children than you. Consider second-hand stores. Take advantage of clearance racks and seasonal sales. Or buy clothes from online stores. You'd be able to find good deals on sites such as Amazon, eBay, and Craiglist.

8. Limit dining out. Prepare home cooked meals instead of dining out in restaurants. This will save you money and ensures that your kids eat healthy.

If you want to read morefinancial advice on subjects like mortgages, banking, and credit cards, visit Consumer Credit legal services WA by clicking on the link.

Crescendo Athletics Knee Sleeve - the Ultimate Knee Brace for Cardio, Weightlifting, Basketball, & Running

Friday, February 13, 2015

The high-density, durable 4mm neoprene gives you support and stability; yet the smooth, shaped fit allows It to be worn inconspicuously underneath clothing.

It supports the knee joint for just about any sports and athletic activities, including: gym fitness training, weightlifting, running, basketball, Crossfit, martial arts, cycling, hiking, track sports, and much more!

These knee braces also offer superior comfort. They are anatomically built to remain secure, providing compression and warmth not only while taking part in fitness activities, but also during lengthy sessions of inactivity (such as sitting on a plane or at a desk), and the flat seam design alleviates abrasion

And lastly, they are also environmentally-friendly, officially certified and compliant: Eco-Friendly, 100% Latex-Free Composition Certified and Approved CE, FDA and EC REP.

If you're one of the many people who suffers from an athletic knee injury, or just plain old aging, you might find yourself needing a compression knee sleeve.

Knee braces are SUPPOSED to provide your knee with support, helping you to continue with athletic activities, or just worry-free walking.

Finding a quality compression sleeve can be tough and low-quality sleeves are uncomfortable and ineffective.

Thankfully Crescendo Athletics offers a high density and high performance Knee Sleeve to top the rest.

Here are some of the most common complaints about knee sleeves and how Crescendo Athletics' Knee Compression Sleeve overcomes them:

They're Too Thin/ Rip Easily - Low-quality knee sleeves that are too thin will often tear, but Crescendo Athletics' Knee Sleeve is manufactured out of a high density neoprene that won't rip or tear.

Inadequate Support - When the sleeve is too thin it won't provide enough compression. High density neoprene such as that used to make Crescendo Athletics' Knee Sleeve provides all the support you need.

Too Bulky/ Uncomfortable - People don't always need to wear their knee sleeve while in gym shorts. Sometimes you need it just to walk around. If it's too bulky, it won't fit comfortably underneath your clothing. Also, eventually, it will get sweaty and uncomfortable. Crescendo Athletics' Knee Sleeve is constructed from 4mm neoprene. That is thin enough to be very discrete and easily fit underneath your clothing while providing powerful support.

Chafes - If it's not designed properly, your knee sleeve may be awkwardly shaped and chafe your skin. Crescendo Athletics' knee sleeve sports a state of the art design that will never rub your skin wrong.

Loosens or Sags After Extended Use - Knee sleeves that are not high density enough will stretch out of shape and eventually droop and sag off. Crescendo Athletics' High Performance Knee Sleeve provides elasticity and strength that will never ride low or loosen.

This knee sleeve is perfect for protecting your ACL and precious joints from injury when you play sports or work out.

Crossfitters, power lifters, basketball players and runners love this knee sleeve, and you will too!

Continue reading about this knee sleeve product

Kozy 7800mAh Rechargeable Hand Warmer - A Powerful Warmer for an Affordable Price

Every so often, you stumble across a product that absolutely impacts your daily life in a positive way. That' what happened to me when I found out about the Kozy rechargeable hand warmer! I'm a sportsman that ends up enjoying as much time as possible outdoors in the fall, winter, and spring.

I've tried out about everything to help keep my hands and fingers warm; gloves(way too cumbersome), disposable warmers(what a joke), rechargeable warmers(not strong enough to get very warm or maintain a charge long). Then, for my birthday, my wife got me a Kozy. Wow! The warmth lasts for hours and boy does it get hot.

Since I'm a huge fan of Amazon, I purchased an additional and received it within a couple of days. I now keep a Kozy in each jacket pocket as I'm camping, hunting, or even going to a football game. Not only was I able to get an outstanding hand warmer at a great price, but the follow up to confirm I received it timely and the tips about usage were equally as impressive.

I've rarely ever been so satisfied with a product before. It fulfills my needs and is priced sensibly, too. If you're like me and have been looking for an effective way to keep your hands warm while still having use of them, I really encourage you to click the link below to order your Kozy rechargeable hand warmer now. Check it out for yourself.

Kozy - the Powerful, Dependable, Affordable Solution for Comfortable Warmth!

~ The Kozy Difference ~ The Kozy difference is based on its ultra-strong built in Lithium batteries - three 7800 mAh! These superior quality batteries are rechargeable up to 500 times. (Most other hand warmers use batteries which are significantly less powerful.)
~ The Kozy Difference ~ The Kozy delivers consistent, reliable heat for up to 10 hours, depending on the settings and features used.
~ The Kozy Difference ~ The Kozy provides comfortable warmth with a maximum surface temperature of between 108-120 Fahrenheit degrees and an adjustable temperature setting.
~ The Kozy Difference ~ The Kozy includes two valuable bonus features - a power bank and an LED flashlight.
~ The Kozy Difference ~ The Kozy comes with a one year product warranty.
~ The Kozy Difference ~ The Kozy is affordably priced when compared to other hand warmers, many with less quality.

Rechargeable hand warmers are perfect for outdoor fanatics such as campers, hikers, and hunters. Athletes of many sports including runners and skiers love them, as do spectators of sporting events! And they're also great for people who suffer from poor circulation. The Kozy by Komfort Solutions is designed to meet and exceed the needs of each of these users. Its strong foundation of high quality powerful batteries and features make it the ideal solution for anyone seeking comfortable, soothing warmth for hours.

Click to keep reading about this Rechargeable Hand Warmer product

Crossfit Jump Rope - Black Long Jump Rope for Fitness - Great for Fitness

All of us understand how irritating it is when you are attempting to complete an exercise, but your skipping rope keeps getting tangled up. This disrupts your workout routine and does not permit you to push yourself as hard as you want to. This is why i am so happy i found the We Are Training Skipping Rope.

I have acquired various skipping ropes in the past, and with all of them i experience the exact same issues. They are normally poor quality, break quickly and the rope gets tangled up when using them.

Since i am a big fan of Amazon, i thought i would give them a shot. They provide fast shipping and have an excellent money back guarantee if you are not satisfied with your item. I was able to acquire an excellent quality skipping rope for an excellent price, plus the cable rope design stops the rope from tangling up when using it. My issues have been resolved! The follow up customer support i received was excellent.

On top of all of that, they also offered me with an excellent Skip Circuit Workout, which gives you ideas on different exercises you can do using the skipping rope to help you tone up and enhance your fitness.

Maybe i have simply had misfortune with my purchases in the past, however i have never ever been so pleased with a little purchase like this before and if you are searching for a new skipping rope or fitness item then i encourage you to click the link below to purchase yours now and give it a shot. If you decide to try it out, kindly let me know your thoughts. I am sure you will be more than pleased!

The Secret of decreasing fat, toning your body and increasing your endurance
Become Superfit, Strong and Toned when using this rope and following our FREE Skip Circuit Workouts
- Perfect for men and woman, beginners and advanced jump rope users.
- Follow our short Skip Circuit Workouts to enhance your fitness
- Just 10 minutes of Skipping can provide an excellent cardio workout. Combined with the exercises offered in the FREE programme, it will provide you an excellent complete body workout. The Skip Circuit incorporates skipping with a variety of complete body exercises appropriate for Males and female
Light-weight, Adjustable & Durable Skipping Rope with a 100 % Cash back Guarantee
-9 ft Jump Rope Cable with adjustable length - Can be quickly adjusted to the length you require
-Wire Cable Rope - This cable rope design ensures you experience no kinking, tangling or bending of the rope as you would do with a PVC or leather rope
-Easily Portable - Lightweight and compact design makes this rope easily portable so you can workout anytime, just about anywhere!
-Durable and Excellent quality - The rope is made from long lasting and high quality materials
100 % Cash back Guarantee! If you are not totally satisfied with your item you can return it to us for a full refund. No questions asked.
Click the button at the top of the page NOW to purchase your skipping rope and start gaining from our Skip Circuit Workouts TODAY!

Read more about this Skipping Rope product

Give A Little Lift To Your Garden With This Helpful Advice.

Thursday, February 12, 2015

If you are looking to start your own organic garden, there are a few tips that will help you steer clear of the main problems people tend to encounter when they begin their own gardens from scratch. The following article presents general guidelines that will lead you to successful planting.

Select plant varieties capable of producing large yields. A plant that is resistant to disease, or one that is tolerant of extreme weather, will deliver a higher yield.

During hot weather, water your plants more frequently and deeply. When your plants do not get enough water, their roots work themselves up close to the surface, which means they will dry out quicker. If you water deeply, the roots will stay well underground to get to the water down below.

Treat yourself while you garden with a little petroleum jelly. Before donning your gardening gloves, apply a bit of petroleum jelly or your favorite moisturizing cream to your hands. The gloves protect from the dirt, while your hand movement works the cream into your skin. You will finish your gardening with silky soft hands!

Plant your garden in stages. Put in a new vegetable every week, or plant vegetables with different maturation speeds when you do your planting. This helps prevent you from having a large harvest all at once, and will better allow you to enjoy the fruits (and vegetables!) of your labors.

With more knowledge comes a higher level of skill and success. This article is just the tip of the ice-berg when it comes to organic gardening information.

If you are into hydroponic gardening and looking for the best nutrients for better yields, simply visit by following the given link.

High Protein Gluten Free Chocolate Cookie Dough Superfoods Bar Supplies High Fiber, Lasting Energy

Not All High Protein Snack Bars Are Created Equal!

I recently found chocolate chunk cookie dough snack bars from a company called TigerBillsBest that are different from anything I've found. They are made from top superfoods, which contribute 21 grams of high quality protein and 22 grams of prebiotic fiber to each bar. Plus, they supply both fast and lasting energy. So I bought some from, a company I love dealing with because of their low prices, quick shipping, and simple return policy. I also like the way they follow up to make sure their customers receive their purchases.

A few days after I got my order, TigerBillsBest sent extra information detailing the benefits of their ingredients along with tips on various ways to store and use their bars. A nice surprise.

My son was first in the family to taste a bar. I admit that I didn't anticipate much of a reaction. Usually when a food has such a terrific balance of natural ingredients, it usually results in less than outstanding taste. But, to my surprise, I was wrong. My son liked the bars! I tried one myself and, sure enough, it tasted like a "bad for you" candy bar, chewy and sweet, but without that over-the-top sweetness that lingers too long.

I offered one to my 80+ year old mother-in-law and she said it not only helped her get over her mid-afternoon slump, but the fiber in the bar satisfied her hunger helping her avoid overeating. She said that half of a bar was enough to give her that satisfying full feeling.

I was even more surprised when my spouse, who isn't a fan of chocolate or candy, said that she loved the taste of the bar, remarking that the chewiness was addicting.

As a self-admitted health-nut, I can't remember when I've ever been so pleased with any health snack. TigerBillsBest brand snack bars may be the new kid on the block, but their first product is certainly a winner. Their bars not only taste great but they have the perfect mix of macro-nutrients that allows me to keep going all day long, even when I miss a regular meal.

My family and I are definitely hooked on them. I strongly recommend you purchase a case and try them for yourself. I'm sure you will be as pleasantly "hooked" as we are!

Find out more at fiber bar/

FINALLY! A terrific tasting Superfoods snack bar that's terrific for you!

What's IN our Snack Bar:
- 21 grams protein from whey protein isolate, natural cashews and almonds
- 22 grams prebiotic and chicory root fiber
- Quick energy from natural dates
- Lasting energy from natural carbs
- Antioxidants from cacao dark chocolate
- 86 grams of Top Superfoods in every bar

What's NOT in it:
- Gluten/Soy free
- Non GMO
- Not baked
- No trans fats
- No sucralose
- No erythritol
- No sugar alcohols
- No artificial sweeteners
- No corn syrup or starch
- No wheat
- No grains
- No hydrogenated oils
- No chemical preservatives or stabilizers
- No artificial colors or flavors

Perfect Balance of Nutrients to Support Any Lifestyle.
Taste- and performance-tested on individuals of all ages and lifestyles... The decision? It tastes terrific and increases energy to overcome mid-day slumps and supplies fuel to power pre- and post-workouts. Children love it too ... just don't tell them it's good for them!

What Makes TigerBillsBest Brand Snack Bar Different?
- Proudly made in the USA with love (no additional charge!).
- Not baked, you get all the nutrients nature planned.
- Made from the best superfoods with nothing artificial.
- Perfect balance of macro-nutrients from Top Superfoods.

Stroller Hook Set-2 Pieces Set Is Great For Pushchairs

Monday, February 9, 2015

As a single mommy I feel I have to get the word out about this excellent product I buy from amazon. The Bear Necessaries stroller hook set. I like this product and advise this product to all single mothers.

I utilize the D shaped hook everyday. I put my handbag and diaper bag on the hook every night before bed. Now in the mornings I grab the hook knowing I have everything I require for the day. I take it grocery shopping, the D shaped hook clips right on the shopping cart. I utilize the hook to help lug in the grocery bags. I utilize this hook when clothes shopping or simply taking my infant out to the park. I like the clip and go it perfect for me and my hectic schedule.

I utilize the U formed hook in my car, home and stroller. This multipurpose hook is excellent for hanging dry cleaning, blankets, jackets, and other items in your car. In the house I used it to storage toys, blankets, towels and other things around the infant's room. I utilize it on my stroller along with additional set of hands. This hook really is excellent and you can always discover a helpful use for it.

These hooks are excellent they have helped me out so much in life. It's always excellent to know I have additional hands when I require them. Thank you Bear necessaries

Bear Necessaries Stroller Hook Set Gives You the very best of Both!
Multipurpose Hook
With the Velcro straps enables you to connect to any horizontal or vertical bar. The hook pivots 360 degree for you convenience. This hook is excellent for strollers, your home or car.
Hang diaper bags, purses, jackets or anything you have to hang.
Stroller Hook
Stroller hook made from sturdy aluminum, light-weight, for Durable and all your daily usage! Has foam coated handle holds hook in place; avoid slipping while on the step and comfy grip when in your hands!
Great for diaper bags, purses, grocery bags and shopping bags.
Simplify Your Life
With Stroller hook set you can easily hang and arrange your bags. No more handling your bags or searching for storage area. Produce new area with the multipurpose hook wherever you require it. Be ready to go with the stroller hook, clip all your vital bags on it and reach the car or clip to the stroller. Hook are excellent for whatever you want to hang wherever you want to hang it.
Bear Necessaries is devoted to offering you the infant products you require and will certainly like utilizing. So we offer a Life time Warranty
order today

Find out more at hooks/

bodyWares Heart Rate Monitor, Calorie Counter, Activity Tracker & Sport Watch - WATCH YOUR SHAPE!

Sunday, February 8, 2015

Why Heart Rate Monitors?!

Heart rate monitoring is vital for safe and effective exercise performance. Your heart rate during exercise is an indicator of aerobic conditioning, ideal training level and effort level. Aerobic conditioning connects to how efficiently your heart, lungs and circulatory system supply your body with the oxygen and other nutrients it has to stay active. During any kind of exercise, your body's needs increase. Monitoring your heart rate is a simple way to examine your body's capability to meet those increased demands.

Are you tired of taking a look at heart rate monitors or physical fitness sport watches with complex functions you never utilize?! Look into the new bodyWares HRM Fit Series heart monitor and fitness watch with a trendy design, crisp display and basic yet fantastic functions for ALL your training needs.

Limited Supplies ONLY - Order NOW by clicking the link below and get one step closer to accomplishing your physical fitness goals today!

Click to get this heart rate monitor product now

The "bodyWares" Difference:

Item Highlights:
Supplies convenient monitoring and tracking during all kinds of exercise. No matter your way of living, its an ideal companion for your exercise schedule and assists track heart rate, calories and exercise period.

Fringe benefits:
- Smart feature recalls exercise data to show exercise time, heart rate (max/%), calories burned and exercise period
- Water resistant watch/belt (up to 30m/10m) with batteries included *.
- Finest in class 1-Year Limited Warranty and Replacement Service **.
* Batteries estimated to last 1 yr on 1 hr/day and frequency of use.

Included In-the-Box:.
- 1x bodyWares HRM Fit Series Watch.
- 1x Chest Belt Strap (with built-in sensor).
- 2x CR-2032 Batteries (1EA in belt/watch).
- Easy to use Guide with Quick Start ideas.

Finest Limited Warranty:
** bodyWares provides you with the best client care throughout its products. By default, Thirty Days return policy applies from with an extra 60 days from us. Plus, we will replace your watch/belt/battery (over ANY production flaws) within 1 year from date of purchase.