Friday, July 22, 2016

Freebies on Friday - July 22, 2016

Happy Friday everyone! I hope you enjoy the freebies I've found for your this week.

Have a great weekend and enjoy the freebies!


Preparedness Gardening: How to Grow Real Sustenance and Naturally Build Soil Fertility in Troubled Times

Alphabet Smash: Your Child's 26 Week Alphabet Adventure

Sewing: Sewing for Beginners - Master the Art of Sewing + 2 Bonus BOOKS (how to sew for beginners, how to sew, sew, sewing for beginners, sewing, sewing for dummies, sewing books)

Think And Grow Rich : 1937 Original Masterpiece (Xpress Book)

Vita Coco Coconut Oil Sample
Rachel Ray Nutrish Dry Cat Food Sample
Aqua Skincare Sample

Mountain House Food Pouch Rebate - Purchase a Mountain House Food Pouch (up to $11) either at a store or online and receive a rebate in the mail.
Endangered Species Coloring Book - This coloring book has info on where the species naturally lives and other interesting facts.
Kids Bowl Free - Register your kids and they can bowl 2 games every day during summer.

* Please note the ebook links are affiliate links but at the time of this publication all the books were listed as free on All the remaining links are not-affiliate links and I am not compensated for sending people to any of them.

Tuesday, July 19, 2016

Importance of Having An Emergency Fund

This morning I logged into our checking account and found out that someone stole my debit card information. There was a charge pending for $760 at a watch store in Brooklyn, NY and overage fees of $144. Needless to say our account was in the negative. 

I immediately called my bank and thankfully they had already cancelled my card. The person or persons had also tried my card at and for over $500 each. Luckily they denied both of those charges but the first charge is still pending in my account. 

That means when my husband's check is direct deposited this week we won't have access to some of the funds. 

We are obviously going to file a fraudulent charge request with our bank, but we won't have normal access to our account until it's cleared up. 

So what do you do when someone messes with your account and you still have bills, gas and groceries to buy?

You need to have a small emergency fund.

Any amount you can afford to start one is good, but you at least want to work up to a week's worth of expenses at the minimum. Many experts say to save up $1000, or a month or even 6 months worth of expenses. Like I said earlier ANY  amount is better than no money at all. 

It may be obvious, but don't keep that money in your regular bank accounts. I suggest in a safe at home or another safe location that you have access to in time of emergency. 

A good friend of mine had here card hacked on Christmas Eve. You can bet the banks weren't open the next day. They aren't open on Sunday's either. Though some have phone centers open 24/7 but not all. 

There are many good reasons to keep a little cash on hand for emergencies. Here are a couple.

* Banking emergencies such as having your debit/credit card lost or stolen. 

* Power outages are another time when cash is helpful. We've all gone into a store at one time or another that couldn't take credit/debit cards. 

* Job Loss isn't always predicted and it may be a some time before unemployment or pay from a new job comes in. 

* Medical expenses are another common reason to have an emergency fund. Not just for you or your family but also for pets too.

I think it's obvious there are events in life we don't plan on or want but having an emergency fund helps get life back to normal quicker. 

Monday, July 18, 2016

Before You Decide to Adopt A Pet

Midnight (age 19 cat) and Bandit (age 11 dog)
Before you decide to get your little girl or boy a pet please consider how long they live.

Getting a pet is a life long commitment and pets can live a long time.

Yes puppies, kittens and other animals are adorable when they are babies, but what about when they are 7 years old or 20 years old. Yep, some pets live that long and longer.

And just like people, they can develop medical problems such as heart problems, arthritis, cancer, kidney disease, and more.

What you need to think about is how your life my look in 10 or 20 or even 50+ years from now.  Are you planning a move? Going to college? If so, can you take pet with you on campus or into a rental property?  If you can't take the pet with you -- what will you do? 

Do you go on vacation often? Who will feed and take care of the animal while you are away? Can you afford to keep their shots up to date? What if a medical emergency happens to you or your pet?  These are things you really should think about PRIOR to getting the pet.

Cats live on average around 15 years but can live as long as 30 years.

Dogs' life expectancy is 10 to 15 years. That varies between the breed of dogs Click here to see a list.

Birds can live upwards of 80 years. Click here for specific birds and their normal life expectancy.

Gerbil - depending on the type you choose they can live up to 8 years.

Hamsters live around 3 years.

Fish can live up to 30 years. The longest living fresh water fish are goldfish. Consider that the next time your child wants to win a fish at the carnival. Other live much shorter, for example, beta fish live 3 to 5 years and neon tetras live around 10 years. (Our carnival fish lived 3 years).

Bunnies can live 8 to 12 years old if kept inside and are spayed or neutered.

Please consider all the facts before adopting an animal because their life depends on it and lastly Adopt Don't Shop.