Friday, May 9, 2008

Google
 
Web DebtSmart.com

 
> FREE subscription to DebtSmart® Email Newsletter
Articles
> Balance Transfers
> Bankruptcy
> Book Excerpts
> Budgets
> Credit Cards
> Credit Counseling
> Credit Reports
> Debt Collection
> Debt Daredevil
> Mortgages
> Personal Stories
> Savings
> Video
> Video Library
> ALL categories...
Authors
> Scott Bilker
> Gerri Detweiler
> Gary Foreman
> Chris Peruzzi
> Terry Rigg
> ALL authors...
DebtSmart® Column
> Add FREE articles to your newspaper, magazine, ezine, or website!
Quiz & Math
> Household Math™ Problems
> Quizzes and Tests
> Math and Money
Research
> Cool Quotes
> Credit and Debt Statistics Database
> Surveys and Results
Book Reviews
> Talk Your Way Out of Credit Card Debt
> Credit Card and Debt Management
> Master Your Money Type
> Preventing ID Theft
> ALL book reviews...
Newsletter
> FREE subscription to DebtSmart® Email Newsletter
> Reader Comments
> Read latest email newsletter
> All past newsletter issues
Free Stuff
> FREE 5-Year Loan Worksheet Software
> DebtSmart® Mortgage Comparison Calculator
Help Me Now
> Beat the banks at their own game
> Stop Debt Collectors Cold
> DebtSmart® Solutions
Credit Cards
> Low Introductory Rates Cards
> Low Interest Rate Cards
> Cards for Poor Credit
> See ALL DebtSmart® Featured Credit Cards...
> Bonus listing of featured cards...
Contact
> About DebtSmart®
> Television Interviews
> Radio Interviews
> Book Reviews
> Reader Comments
> Media Reviews
> Press Releases
> DebtSmart® Column for your publications
> Submission Guidelines
> Contact the publisher
> Advertising

Debt Settlement

Eliminate Credit Card Debt
Settle credit card debt- 50% or less. Reduce payments. $10K minimum.
DebtShield.com

Financial Coaching

75% Debt Elimination Guarantee
Debt Free in 18 mo. Stop payments NOW! A better life for your family.
IntegrityDebtSolutions.com

Loan Consolidation

Debt Consolidation Loans
Online debt consolidation loans & strategies to avoid bankruptcy.
CreditLoan.com

Education Information

The Perfect Gift for Kids
The KidsWealth Money Kit teaches financial skills to kids age 4-12.
KidsWealthMoneyKit.com

Mortgages

FHA Mortgage Programs
Government sponsored refinance. 30 yr fixed rate. No prepay.
FHAMortgageDirect.com

Mortgage Acceleration

Make It Yours - Free And Clear
Learn how to be mortgage-free in less than half the time
LiveFreeAndClear.com

Personal Loans

Personal Loans
Offering personal loans for people with bad credit.
DrCredit.com

Advertise with Us

 

DebtSmart.com Card List

Save money by using these cards. Make banks compete! Transfer your balances now!
Discover® More Wildlife
Intro Rate: 0.00% for 12 Months, APR: 10.99%
Advanta Platinum Rewards BusinessCard MasterCard®
Intro Rate: 0.00% for 15 Months, APR: 7.99%
Citi® Platinum Select® MasterCard
Intro Rate: 0.00% for 6 Months, APR: 11.24%
Blue from American Express®
Intro Rate: 0.00% for 15 Months, APR: 4.99% (for life on transferred balances).

 

Telephone Service

Save on Phone Rates
473 FREE minutes, 1.9 cents USA and Canada, 2.5 cents UK, no switching
Start Saving Now

Credit Score

What's Your Score?
Your credit score is your financial resumé! You must know what's in this file at all times!
www.MyFico.com

Credit Cards

My Best APR--get it now!
Looking for your best APR! Low rate, business, rewards, and much more!
www.MyBestApr.com
0% Balance Transfer Cards
Beat the banks at their own game by switching to lower rates!
DebtSmart.com/cards

Advertise with Us

 

Subscribe FREE  and  you receive the 5-Year Loan Worksheet software FREE!

Valentine's Day On A Dime
by Tawara Kellam
Tawra Kellam is the editor of LivingOnADime.com. Tawra and her husband paid off $20,000 debt in 5 years on $22,000 a year income.

Do you like this article?
Click here to take article survey!

Printable format
FREE subscription to DebtSmart® Email Newsletter and FREE software too!

Share:  Del.icio.us  Facebook  Digg  Reddit  Newsvine  MySpace

Tawara Kellam

Using a little imagination, you can make your Valentine’s day a little more fun and a lot less expensive. If you want to add a little personalized romance, or if you don’t have the time or money to buy all the pre-made things in the store, here are some ideas from livingonadime.com to help you make the day special.

For the Kids:

My mom always made a great, but inexpensive, Valentine’s Day treat for us. She would take construction paper and cut a big heart out of it (about 8x10 inches). Then, she would staple the edges together and write our names and an "I love you" on the outside. She would then fill the heart with candy purchased on clearance after Christmas. It was very inexpensive, and we loved it!

Do a Valentine’s treasure hunt. Leave little notes around with the last one leading back to the kitchen table with a heart-shaped dish full of candy.

For Lunches:

Make heart shaped Valentine’s cookies, cut the kids (or hubby’s) sandwiches with a heart shaped cookie cutter to make a heart sandwich. Add a few Valentine’s chocolates and put a note in red with a big heart on their napkin.

Serve anything red for the day. Serve red Jell-o, red pudding, red apples, toast with strawberry jelly, tomato soup, red applesauce, red Kool-aid, strawberry milk, or red frosted cookies. Use powdered food coloring from the cake store to get the deepest shade of red. Leave sticks of red gum in their Valentine’s Day cards.

Make red heart-shaped cupcakes. Make cupcakes as usual but place a marble down the side of the muffin tin between the muffin tin and each cupcake cup. This will make heart shaped cupcakes.

Make hearts out of chocolate chips in each of your pancakes.

Mail your pre-addressed and stamped Valentines to Loveland, Colorado and they will postmark them and mail them for you. Send them to: Postmaster, Attn: Valentines, Loveland, CO 80537

Make a treasure hunt for your spouse. Start by mailing or e-mailing him the first clue. Then leave clues all over the house, yard, car or his office telling him where to find the next clue. End the hunt by making a picnic in the back yard or going to a park for a picnic. Use your imagination and have fun. The simple things are the ones people remember.

Things to do with or for your honey:

Go to a bookstore and enjoy the silence and browse. Get a cup of coffee and make a date of it.

Celebrate Valentine’s day AFTER Valentine’s day. Everything is half off.

Mail a love letter to your hubby’s work.

Send your spouse a sexy email message.

Leave "Why I love you" messages all over the house. Buy a package of the cheap Valentines. Leave a message on each one and hide them all over the house for your honey. They will get to enjoy the gift for months!

Use lipstick to make hearts and love notes on the rearview mirror, car windows, bathroom mirror or windows of the house. Leave a kiss on his napkin for lunch or dinner.

Make a bunch of hearts out of construction paper. Put a love note on each one. Paste them all over the front door or car before your hubby or kids come home from work.

If you don’t have money to go out, have a picnic on the floor. Use some candles and lay a soft blanket on the floor. Put on some soft music and have a romantic Valentine’s dinner on the floor. Use some white Christmas lights for additional romantic lighting!

--End--

Please let us know what you think about this article, Valentine's Day On A Dime, by Tawara Kellam, by completing the article survey--thanks!

DebtSmart.com Card List

Advanta Life of Balance Platinum Card
Intro Rate: 2.99% Until Paid, APR: 9.99%.
Chase Platinum Visa®
Intro Rate: 0.00% for 12 Months, APR: 11.99%
Discover® More Card
Intro Rate: 0.00% for 12 Months, APR: 10.99%
Discover® Open Road Card
Intro Rate: 0.00% for 12 Months, APR: 10.99%
Discover® More Clear Card
Intro Rate: 0.00% for 12 Months, APR: 10.99%

READ MORE ARTICLES LIKE THIS

DebtSmart® Solutions

Buy 1 book, get all 3! Talk Your Way Out of Credit Card Debt plus 2 books as gifts (Credit Card and Debt Management and How to be more Credit Card and Debt Smart)


CREDIT SECRETS BIBLE: Raise your credit score! Learn how to fight back against those who are making your life difficult--and holding you back!


DebtSmart Mortgage Comparison Calculator (and FREEWARE)


DebtSmart Basic Debt Elimination Financial Package


DebtSmart Download Debt Elimination Financial Package


DebtSmart Loan Calculator


No Bills! Complete Financial Suite


30-Year Loan Worksheet


37 DAYS TO CLEAN CREDIT: How I Deleted 9 Inquiries, 5 Negative Accounts, 4 Major Default Accounts, 1 Judgment, and Boosted My Credit Score 135 Points In Only 37 Days!


See all products...

 

STOP DEBT COLLECTORS

Stop Debt Collectors Cold! Plus four (4) special reports! Finally, a solution for dealing with these horrible collectors!

You can add DebtSmart News RSS feeds to your newsreader pages:
    
Add to Google     

Home | Email News | Books by Scott Bilker | Contact | Advertise with Us | About


Copyright ©2008 Press One Publishing. All rights reserved. Use or purchase of any material at DebtSmart.com including but not limited to books, articles, and software is subject to the following  disclaimer/warning.