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 Racing with the Moon By Rebecca Brents
Sometimes getting the right answer means asking the right question.

Life is full of hints, signs, and advice ... if you know where to look and what you're looking for.

Astrology and Tarot are tools that blend free will and useful information into new dimensions of thought ... so you can discover your best options. But the choice to act is always yours.

Work with all your possibilities.

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Recommended Book from Amazon
 Why Is It Always About You? : Saving Yourself from the Narcissists in Your Life By Sandy Hotchkiss, James F. Masterson
Astrology is for Believers.

With an open mind and a knowledge of Astrology you can watch your life unfold in ways that make sense.

You can recognize the subtle knock of real opportunity and the soft voice of invitations to personal growth because you know they're coming, where to look for them, and what they'll look like when they appear.

Real Astrology ... for people who take their lives seriously.

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Christmas Strategies Gifting without Charging by Darlene Arechederra Rat Race Remedies |
| Astrology, Tarot, and Self Improvement for the New Age. |
Astrology Tarot New Age (Home) / Self Improvement

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Racing with the Moon -- Our online class is now an Ebook. Racing with the Moon teaches you to work with Moon phases -- to make the most of the different energy each brings as your life's events unfold. Racing with the Moon is a marvelous way to begin living in harmony with life's natural currents instead of struggling against the flow. Learn more here: Moon Phases Ebook

Christmas Strategies Gifting without Charging by Darlene Arechederra
Before we know it, the shopping season will be upon us. And, just like Santa's little elves will be working feverishly, we've got to get busy saving up our cash for Christmas. The alternative could be to watch helplessly as our credit card balances increase.
But is it really possible to have a Christmas without using our credit card? Absolutely! It isn't hard -- it's just a matter of getting started now! Here are these 3 simple steps to begin ...
Step 1: Determine exactly how much cash you will need.
How much do you normally spend for Christmas gifts and goodies? Be sure to add in special food expenses to your total, if you're providing the main holiday meal(s) or responsible for a large portion of it. Not sure? Do a guesstimate, erring on the plus side to be safe.
Step 2: Using your total from above, determine how much you'll need to save daily or weekly. Divide it by the number of weeks or days left to save up money.
Examples: (These are approximate amounts.)
$500 divided by 15 weeks = $34.00 wk
$300 divided by 15 weeks = $20.00 wk
$400 divided by 107 days = $ 3.75 day
$200 divided by 107 days = $1.90 day
Step 3: Choose your Method(s) to begin Saving
Pull out your old favorites, and get going! Listed below are a few ideas to get you started.
Gift Certificates are Not Just for Others ...
Buy a gift certificate each pay period. When you're ready to shop, use your certificate to pay for the items. Be sure to watch for expiration dates.
Marlene, a good friend of mine, does this year round. She then buys items as they come on sale, using her certificates. Marlene is a single mother who has found a way to buy gifts for her children without using credit cards or draining money from the checkbook.
Christmas Account
There's still time to open a Christmas account with your local credit union or bank. Make automatic payroll deposits if you can. If not, write yourself a check each pay period and mail it in to your account. If you cash your paycheck, take out your targeted amount and deposit the money before it gets spent.
Remember, too, once this account is open, you can make small deposits year round, eliminating the Christmas Crunch next year.
Pick up Some Extra Work Hours
Many businesses will need extra help as the holidays arrive. You may be able to pick up some extra hours. Be sure to set aside any money saved so it doesn't slip through a hole in your pocket!
$1 Per Day Keeps the Creditors Away
Don't forget the 'Tuck $1-Per-Day-Into-an-Old Sock' method. If you have 110 days left, you'd have around $110 at $1 per day. Tucking away $2 per day will find you $220. $330 for $3 per day.
Re-think Buying Gifts This Year
Have you had a rough year financially? Do you owe on credit cards? Consider not buying gifts this year. What if you were to save up money as if you were buying gifts, but use it instead to pay extra on your debt? Can you think of a better gift for your family? You'll be surprised how much better you'll feel giving down the road, when you can truly afford it.
Get creative. Imagine that you had no job. What would you do for gifts? Would you make your own? Send cards only? Email cards? Brainstorm some unique alternatives.
Remember the Spirit of the Season
Above all, remember the original intent of the holiday celebrations. The spirit of the season can be lost in the newly added debt and additional stress created by copying what the Joneses next door are doing. Prevent future stress by learning to celebrate without using your credit card. It can actually be heaps of fun!
Now get started, and set your strategy in place so you'll be ready and able to pay upfront for next year's holiday, too!
© 2003 Darlene Arechederra

Darlene Arechederra is author of Rat Race Blues -- How to Break
the Stranglehold. She offers hope and help in turning spending
into savings, so you can do what you *love* to do for a living,
not what you *have* to do! Free weekly newsletter. Rat Race Remedies

Are you looking for more information on Education, Philosophy, Religion, Ethics, "The Laws You Live By," Higher Knowledge, and Intercultural Experiences?
Sagittarius is the astrology sign that deals specifically with Education, Philosophy, Religion, Ethics, "The Laws You Live By," Higher Knowledge, and Intercultural Experiences. Learn more about Sagittarius.
The information here tells all about Sagittarius Astrology.
Sagittarius Horoscope

The four cornerstones of character on which the structure of this nation was built are: Initiative, Imagination, Individuality and Independence. ~ Edward Rickenbacker ~ Born October 8, 1890
Featured In the Spotlight Article:
Simple Steps to Rid Your Home of Dust Mite Allergies
Eight-Legged creatures infest your blankets, pillows, couches, chairs, carpeting and more. They are only half a millimeter big yet a still living, eating and defecating in your house. They trigger allergy symptoms and feed on your dead skin. What am I talking about? Dust Mites. Many people are unaware that there are millions of dust mites in their house and know little to nothing regarding the eradication of dust mites. |
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Enchanted Spirit is a non-denominational spiritual center of healing, support, self-improvement, personal guidance, education and writing. We publish multi-media works of New Age thought and information to encourage serenity and growth in individual life choices, advance the universal search for life's meaning, and promote tolerance for positive ideas from all philosophies and religious traditions, believing as we do that truth is where you find it. |
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Last updated February 23rd, 2004
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