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  • Take this short reader survey and be entered to win one of two Mystery Boxes of Goodies!
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  • Enter for a chance to win $10,000 in the NEW Nutrisystem Great Escape $40,000 Giveaway!

    This is a Sponsored post written by me on behalf of Nutrisystem for SocialSpark. All opinions are 100% mine.

     photo GreatEscape_ContestLogo1_zpsbc88e7f0.jpg

    If you want to lose weight, Nutrisystem has a new contest that may provide just the motivation you need – the Nutrisystem Great Escape $40,000 Giveaway!

    All you have to do to enter is share your best photos and your amazing weight loss story at http://bit.ly/EnterGreatEscape. There will be 4 grand prize winners, who will each receive a cool $10,000! What could the “new you” do with that kind of cash? The grand prize winners and other participants in the Nutrisystem Giveaway could also have the opportunity to join a Nutrisystem photo shoot at a sun-soaked beach locale.

    The Great Escape is on now and runs through June 11, 2014, so you have a little time to craft your entry. But don't miss the deadline – be sure to enter for your chance at some awesome prizes and unforgettable memories!

    The Nutrisystem® My Way® Program and Fast5™ Kit are available at www.nutrisystem.com.

    Visit Sponsor's Site

    Be Heart Healthy with Campbell’s

    This is a sponsored written by me on behalf of Campbell’s Soup Company. You can read CFO’s full disclosure here.

    Heart disease is the number one killer of adults in America, but the good news is that many of the risk factors can be controlled, including weight, diet, physical activity, tobacco use, blood pressure, and blood cholesterol.

    High cholesterol runs in my family as well as my husband’s, so I’ve been making a more concerted effort to prepare and eat more fruit and vegetables, as well as food that’s high in fiber like whole wheat flour and oats. We also regularly talk with our boys about long-term health goals, and why exercising and eating right now is important for later.

    Campbell’s has some easy recipes that are heart-healthy, and I picked these out as ones to try:

    Broccoli Cheddar Rice


    Louisiana-Style Chicken, Sausage & Shrimp Skillet


    Stuffed Winter Squash


    Pork Medallions with Spinach & Barley


    Tilapia & Vegetable Casserole


    Visit AddressYourHeart.com to get heart-healthy tips, including 21 Campbell’s recipes that are certified by the AHA and product coupons, as well as Facebook.com/campbellskitchen for the latest Campbell’s recipes and offers. You can also find great coupons and special offers here.

    Now I’m off to the treadmill!

    Personalize & send your holiday cards hassle-free with Cardstore #TopoftheMantel #sponsored #MC

    I participated in a campaign on behalf of Mom Central Consulting (#MC) for Cardstore. I received a promotional item as a thank you for participating. You can read CFO’s full disclosure here.

    Cardstore

    It’s that time of year when people start thinking about sending out holiday greetings. But we’re all busier than ever, which is why Cardstore.com removes the hassle from holiday cards by printing, addressing and sending them out for you. Talk about a huge timesaver! Plus, you get to include your own personalized message.

    Now through November 20th, Cardstore is offering $20 off orders of $50 or more. And from November 21st through the 26th, they’ll be offering 30% off holiday cards. They have a large and varied selection of cards, including Hanukkah, Christmas and New Year’s. Log on and make your personalized holiday card today.

    5 Basic Steps for Managing Household Debt

    This post is sponsored by Quick Cash Funding. Read CFO’s full disclosure here.

    Whether you’re just starting out on your own, or you’ve decided that it’s time to take control of your financial situation, one of the major things you need to do is manage your household debt. Here are the basic steps you’ll want to take:

    1. Make a list of your debts.

    I’ll admit, this is no fun. But to get to where you want to go, you first need to determine where you are. So, list your mortgage, car loans, student loans, credit card debt, and any other money you owe to someone else.

    2. Decide how you want to handle your debt.

    My hope is that you’ll want to pay off your debts quickly, because I know from personal experience how great it feels. But you may decide that you’re content to pay the minimum and carry the debt, at least for now. You have to decide what’s right for you, and no one else can tell you what that is.

    3. Prioritize your debts.

    Assuming you want to pay off your debts, the next thing you should do is decide the order in which you’ll attack each debt. You could attack them all equally at the same time, but it’s easier, more rewarding, and often cheaper, to pay off one debt at a time.

    The fastest and cheapest way to pay off your debts is by attacking the one with the highest interest rate first. You’ll pay the minimum on all of your other loans, and put all of your other debt payoff funds toward the debt with highest interest. Once that’s paid off, you focus on paying off the loan with the second-highest interest rate while continuing to pay the minimum on the rest of your debts. And you repeat this pattern until your loans are all paid off. This is what’s frequently referred to as the Debt Snowball, because you’re “snowballing” your money from one debt to the next.

    If your highest interest rate loan is large, and you have a lower interest rate loan that’s comparatively small, you may find it more psychologically rewarding to pay off the smaller loan first. You might pay a little more in interest in the long run, but the psychological benefit of eliminating smaller debts and the mental clutter they create should not be overlooked.

    And speaking of psychological benefits, if you have a personal loan from a friend or family member, it may be best to pay that one off first, even if it’s your lowest interest loan, because of the impact the debt may have on your relationship.

    4. Choose a method.

    I’ve already mentioned the debt snowball, and I’m proof that the debt snowball method works. But it’s most effective when you’re willing to commit to living well beneath your means so you can apply as much money as possible to the snowball. You should take a good look at your expenses and spending habits, and decide on how much of each paycheck can and will be used to pay off debt. I also recommend setting up a system for making that payment as automatic as possible, so you’re not tempted to spend the money in other ways.

    After you’ve got your snowball set up, consider the the Debt Snowflake, through which you direct any small amount of money you can toward paying off your debt. The idea is that every quarter you pick up from the ground, every monetary birthday gift, and all other small amounts can add up to chip away a big chunk of debt. In fact, once you’re on a roll, you’ll probably be motivated to find as many snowflakes as possible, by selling items (I used Amazon), earning extra money (I love Swagbucks), and more.

    5. Get accustomed to a new lifestyle.

    As you pay off your debts, think about making the mental adjustment to living without owing anyone money. For example, I was so accustomed to thinking that you get a loan when you buy a new car that I still remember my shock when I realized we didn’t have to get a loan. And so we’ve been saving so that we can pay cash for our next car. I’m still working on paying off the mortgage, but I am confident that we will get there, and in less than 30 years.

    Your new way of thinking will ensure that you don’t take on any additional debt. Be sure to allocate some of your income for an emergency fund, even if it means your debt snowball is a little smaller than it could be.

    Once you’ve discovered how amazing it feels to have your finances under control, you’ll have your debts paid off in no time!

    Energy Saving Changes that Actually Save

    The following is a guest post from Jenna. Consideration was received for the editing and publishing of this post.

    Whether you’re a family or an individual, finding and opting for new energy plans is indeed possible. With the new trends in green energy that have emerged, there has been a paradigm shift towards eco-friendly energy plans for home owners. The biggest reason behind this is that they are beneficial in the long run and allow for contribution towards a sustainable future.

    Certain states, like Texas, are passing bills which will help alternative energy companies enter the market. Not only will new power providers be able to set up with alternative energy sources but existing companies will also be forced to have a percentage of their output come from a greener power source. This promotes not only greener energy but also more competition for business from local residents – and that’s a win for the consumer.

    Tax Incentives

    If you opt for a clean energy plan, there are tax incentives offered by the Federal government. In the same way, people in different states like Ohio, Texas and Michigan can consult with their utility providers for green energy plans. Ohio residents recently got approved for tax credit on energy efficiency for the years 2013-2015. These have been collectively termed as energy efficiency programs and are known for promotion of renewable energy technologies.

    Practical Examples

    Homeowners can enroll in energy efficiency programs that are cost effective and ideally suited for their needs. For instance, as many as 50,000 people in the south Texas have been a part of an energy efficiency program.

    The government of Texas, as well as other state governments, have introduced LoanSTAR programs, which provide loans for installing energy efficient products like solar panels, and not just to homeowners. For example, school owners can cut down their electricity costs in a big way. Similarly, the Texas Cool Schools grant program provides schools with cheaper HVAC systems.

    Additionally, consumers may now receive tax credits for opting for a renewable source of electricity. And, there are more subsidies available if a solar panel is installed.

    Use of Smart Meters

    It is possible for people in states like Texas and Ohio to use smart meters. These are digitized and come with a pre-fitted Advance Meter System (AMS). The benefit of these systems is that consumers are able to monitor their consumption online.

    Shopping for electricity

    When looking to lower electricity costs, you first need to identify the type of consumption, whether it’s domestic or industrial. Subsequent to that, identify those electrical products that are necessary. Do not opt for services that aren’t necessary and are just a mere burden on the monthly bill.

    Then it is also important to notice which hours in the area are considered peak hours. Residents of Texas can visit www.shopelectricityratestexas.com. There are similar sites for other regions like Ohio.

    By enrolling in programs like those mentioned above, it’s possible for home owners to reduce their carbon footprint and contribute to a sustainable future.

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