How I Paid Off $22,000 in Student Loan Debt in 18 Months

I paid off $22,000 in student loans accrued for my college age kids in 18 months. How did I accomplish this? What secrets did I use? My strategies for loan repayment are no different than those I used for paying off other debt. My secrets are organization, promptness and aggressive cost-cutting. I also use the old Nike shoe maxim--"Just Do It." Here's how it worked.  Read more

Increase Blog Rank, Improve Search Engine Optimization

I've been freelancing online since 2005 and blogging since 2008. My blogs do well on Google ranks and generate thousands of hits monthly. In recent Google Panda and Penguin updates, they dropped. however. Here's what I did wrong and what I fixed to reflect current SEO (search engine optimization) practices. Read more

Free Printable Advent Countdown to Christmas Activities

Advent begins on Sunday late in November or early in December. For the next 25 days we will prepare our hearts for the coming (Advent) of Jesus. Here are free printable Advent coloring, puzzles, crafts, calendars, wreaths and activities to celebrate the season. These activities will help kids anxious kids occupied (so mom and can work) till Christmas. I have been exploring and testing links for free printable Advent activities to keep children busy productive and happy as they prepare for Christmas.  read more

Ways Kids Can Help with Holiday Preparations

Let's be honest, in holiday party preparation, children may be more of a hindrance than a help. Parents may find Christmas not so merry and Thanksgiving not so thankful, if they're juggling shopping, cooking, party planning, housecleaning and childcare. Here are easy ways kids can help with holiday party planning (and keep them out of your hair!) Making Kids Thanksgiving Helpers (not Hindrances!)

Mealtime cheats, shortcuts for crazy-busy parents

With two of my four kids out of the house, life has slowed down a little. But when everyone was home and I was homeschooling, our lives were crazy-busy, 24-7. To stay (relatively) sane, I rely on several corner-cutting tricks. One the biggest drains on time is meal preparation. Here are my best mealtime cheats and food preparation shortcuts. Though these may not sound like money-savers, in the long run they can be if with an eye to saving.  Mealtime cheats, shortcuts for crazy-busy parents

How I Set Work-at-Home Boundaries for Myself and Family

I've been a WAHM (work-at-home-mom) since 2005. Initially, it was part-time. Then in 2010, I became a full-time WAHM. There are advantages to working at home. I see more of my family, I'm readily available. I don't have to go out to work every day. Oddly, those advantages are closely related to the disadvantages. Work-at-home perks caused many problems before I learned to set boundaries. Here's how. How I Set Work-at-Home Boundaries for Myself and Family

Free Printable Halloween Trick-or-Treat Countdown Calendar

Oh the agony waiting can be, especially for little ones looking forward to Halloween. And for the busy mom, a restless child can be a real productivity killer. About a million times a day, they ask "When is (fill in special event)????" Till you want to shriek "If you ask me one more time, NEVER!" Why not turn kids' anticipation into a fun learning experience? Here is a free printable Halloween trick-or-treat countdown calendar. Using this countdown to Halloween, children can mark the days themselves. It's a counting lesson, telling time activity, comprehension builder and personal organizer all in one! And making the countdown calendar will keep fidgety kids out of your hair, erhm, I mean happily busy. And you won't have to worry about what mischief the bored child is finding to occupy herself with! At 3, my youngest once "made a cake" (which included paring an apple, cracking NINE EGGS and scooping out half a jar of peanut butter) all in the space it took me to go to the bathroom! We did salvage it, but I wish I'd had these free printables....! Free Printable Halloween Trick-or-Treat Countdown Calendar 

Montessori mom: At-home preschool practical life learning center

I'm a certified special needs teacher and a former home school parent. I also taught in a Montessori school. Both Montessori and special education follow a learning center-based classroom model. Learning centers (also called areas or stations), engage children in hands-on, multisensory tasks. Each center focuses on different activities: reading, math, science, building, gross motor, art, dramatic play and practical life. When I taught our kids at home, I brought the learning center concept into our home. If you've got preschool kids or are a home school parent, why not try the learning center approach? Here's how this Montessori mom set up a practical life learning area.  At-home preschool practical life learning center 

Montessori mom: At-home preschool dramatic play learning center

 As a special needs and former Montessori teacher, my classrooms have always been organized on the learning center principle. Learning centers are rotational play areas were children perform tasks related to specific content areas: math, reading, science, art, practical life, dramatic play. When I had children, I imported the learning center philosophy into my home. The play room was set up like a modified preschool classroom. Got toddler or preschool age kids? I highly recommend setting up learning centers. If you're homeschooling, learning centers are a must. Here's how this Montessori mom designed an at-home dramatic play area.  Montessori mom: At-home preschool dramatic play learning center 

How I Self-Discipline, Change Habits Using Al Anon Slogans

Self discipline is something I've never had trouble with. I've got a nasty case of low self-esteem. Auto-flagellation my modus operandi. But rigid self control isn't healthy. It doesn't work either. Here's a simple self-help plan I created, based on Al Anon principles, to modify behavior and change habits. It's how this WAHM manages to stay sane. Change Habits Using Al Anon Slogans

Recycled Halloween, Fall Crafts for Preschoolers

With older kids going back to school, little ones get bored. And bored preschoolers means parents must entertain or face consequences. Here are fall and Halloween-themed preschool crafts to occupy preschool children. These are great for a Halloween party, too. Easy, inexpensive crafts using recycled materials. Eco-Friendly Recycled Halloween and Autumn Harvest Craft Ideas 

Best Back to School Personal Calendar, Online Planner, Organizer Apps

Okay, I admit it--I am an organizer-ophile. I find it therapeutic to wander the planner aisle in Barnes & Noble. When I get a new cellphone, the first thing I play with is the calendar function. But I am also a tightwad--I will not pay for online organizers apps or calendar software. And I don't have to, nor do you, when there are so many free personal planner apps available online. Here are best free calendar, personal organizer apps. Personal Calendar, Planner, Organizer Apps

Ways Save Money on Back to School Shopping, Get Free Haircuts

As summer winds down, parents and kids are gearing up to go back to school. For parents, kids returning to school means back-to-school shopping. In 2012, the Detroit News reported that families will spend an average $688 per child on back-to-school purchases. Detroiters, if you’re looking to save money on back-to-school purchases, here are places in the metro area to do it. Here are ways to get free haircuts, free school supplies and save money in any city. Read on Ways Save Money on Back to School Shopping

Best Free Online Spelling, Vocabulary Games for Busy Moms

Need to keep an energetic kid busy while you work? Maybe you need some rainy day fun activities? Here's an idea--educational video games. I have a confession to make--I love online word games. For all the articles I write warning parents and kids about the dangers of obsessive game playing, I admit that there are advantages. Playing word games helps boost my visual tracking, perceptual acuity and typing skills (or so I tell myself). Mostly, I use them as a brain break from writing and research.  Best Free Online Spelling, Vocabulary Games to Boost Reading Skills 

Study Finds Gender Discrepancies in Parent Multitasking

Moms multitask more than dads but enjoy it less, says a parenting study published in American Sociological Review. Here's what the study found about parents and their differing responses to managing multiple responsibilities at once. The study tested 368 mothers and 241 fathers in dual-earner families. Participants were given a wristwatch to wear at work and at home, researchers told NPR's Morning Edition. The watch beeped seven times a day. When it did, participants recorded what they were doing at the time, how many tasks they were performing at once and how they felt about it.  Study Finds Gender Discrepancies in Parent Multitasking

Tips to transition from school to summer schedule

Raise your hands, parents, if there are parts of summer vacation that you secretly dread. For kids, it's three months of freedom. For parents, summer break often means less structure, child care difficulties, work-play juggling, added responsibilities and all the headaches those entail. Here are ways to peacefully transition from school to summer break schedules. Read more here  Tips to transition from school to summer schedule

How to balance family summer schedules with sleep-late teens

Summer vacation means different things for kids than it does for parents. Older kids and teens look forward to staying up late and sleeping late. Mom and dad, unfortunately, don't have that luxury. We still have that four-letter word (work) to look forward to. Here are tips to balance family life with late-blooming teens (---and cats!) and early rising parenting.  Balancing family summer schedules with sleep-late teens 

Free Printable Checking Account Forms

If you're teaching your kids about money are working on budgeting yourself, here are activities to help. Money is one of the best subjects to explore when teaching math skills. Units on money math are essential for improving scores on high stakes testing as well. Here are some of the many benefits of instruction in money math:
Coin counting teaches adding and multiplying skills.

Making change teaches subtraction skills.

Calculating sales discounts teaches fractions, decimals and percents.

Profit and loss explains integers

Income and expenses teaches algebra formulas

For printable lesson plans on money click here Free Printable Lesson Plans: Math, Money, Banking, Shopping 

How I'm Keeping My Organization New Years Resolutions - Yahoo! Voices - voices.yahoo.com

If you're like me, making New Year's resolutions is the easy part. I think up a few goals on New Year's Eve, throw salt over my shoulder and toast my success. I'm great for the first few weeks of January, but by MLK Jr. Day, I've pretty much forgotten them. Here are ways I'm not only making but keeping my 2012 New Year's resolutions. Since most of my resolutions involve money, I'll focus on those. I'm also working on increased personal organization, so scheduling and multitasker tips figure heavily in this list, too. Read more at First Person: How I'm Keeping My Financial New Year's Resolutions

Strategies for Coping with Holiday Stress-Induced Relationship Problems

Strategies for Coping with Holiday Stress-Induced Relationship Problems It's one of life's enigmas; the winter holiday season, which is supposed to bring the greatest joy, sometimes causes more feelings of depression and anxiety. Relationships and marriages , says family therapist Rachel Sussman, often suffer holiday-related setbacks. Here's a look at holiday relationship issues, with some first-hand advice about ways to cope. Read more