Interpreting Tarot -- Reading the Book of Life
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Rebecca Brents

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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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.

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

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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

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Last updated February 23rd, 2004

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Planets in Retrograde -- The Basics
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Rebecca Brents

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