How To Make An Efficient Weekly House Cleaning Schedule Template & Checklist Chart

house cleaning coupleA few weeks ago, I had some friends over for lunch. I hadn’t cleaned my house in weeks so before they arrived, I had to go into mad dash cleaning mode. For about three hours my husband and I were running around like chickens with our heads cut off dusting everything in sight. Our friends wouldn’t have judged us on the cleanliness of our home (they may not even have noticed), but you don’t want guests to have to experience – or witness – your messiness.

For me, this was the last straw. Tired of playing catch-up with my cleaning, I decided to make a proper cleaning schedule.

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What Hurts and Affects Your Credit Score? 8 Factors & Financial Errors to Fix

poor credit scoreYour credit score is the most important factor in determining your interest rates and creditworthiness. The better your credit score, the less interest you will pay on loans and credit lines throughout your life. Having a good credit score can mean potentially hundreds of thousands of dollars in savings on interest payments throughout your life.

The problem is, the three major credit monitoring companies who determine your score (Equifax, Experian, TransUnion) arrive at that important number via an increasingly complex series of algorithms and other factors. If you can figure out exactly how the FICO score is determined, good for you. You are probably the smartest person in the world. For the rest of you, myFICO is a good resource to learn more and figure out what your credit score is.

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7 Frugal Life Skills to “Do It Yourself” and Save Money

Hand sewingHave you ever added up how much you spend every year getting your car’s oil changed? Or, how much you’ve spent on fresh vegetables, gourmet jam, or having your pants hemmed?

Chances are, it’s a fair amount.

I recently stopped to think about all the products and services I pay for, that I could be doing myself. My oil changes are a good example. I spend around $90-$120 per year paying a mechanic to change my oil. That’s something I could easily do myself for a small fraction of that cost.

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LivingSocial Review – Best Daily Deals Online, Right Where You Live

livingsocial logoLivingSocial is a website dedicated to giving you the best deal on a variety of different restaurants and activities, all right in your own neighborhood.

The website is organized by geographic location, so if you sign up to get their deals, you’ll only receive opportunities for discounts near where you live.

How It Works

The difference between LivingSocial and some other “deal of the day” websites like Woot.com is that it does not sell products. Rather, what it offers are more like gift certificates at a discount. If you sign up for the daily email, you’ll get one deeply discounted offer per day from a local business. If you find a deal to your liking, you just click on that deal, and you are emailed a link to your voucher within one business day. It’s a very simple process. Below is a sample deal from today for NYC Uptown:

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5 Ways to Prevent and Avoid Child Identity Theft – Protection For Your Kids

Protect Children From Identity TheftI remember when I was in my early teen years getting a phone call from a “credit card company.” They told me that my mom had told them that she wanted me to open a credit card account and that I was to give them my Social Security number. My first thought was that it seemed strange that my mom would want me to get a credit card, but I was young and impressionable so I bought it hook, line, and sinker. Lucky for me, I had no clue what my Social Security number was so I said that they would have to call my mom and get it from her.

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How to Prepare Your Home & Car for Winter Storms, Blizzards & Snow Emergencies

Winter snowstormI’m no fan of winter, but there’s nothing quite like a good old fashioned snowstorm. The blustery wind, the drifts of snow, the weather forecaster’s announcements about “the storm of the century”…it always gets me excited!

While snowstorms can be fun, however, they can also be dangerous, especially when you’re caught unprepared, or on the road. For instance, the snowstorm that hit the Midwest last month (November 2010) caused over 400 traffic accidents in Minnesota and 2 deaths in Wisconsin. Many people who were caught in Washington, D.C.’s “storm of the century” last winter were stranded on the highway for 30 hours or more before they were dug out. In fact, Popular Mechanics reports that 70% of winter storm fatalities occur in automobiles.

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Logo Mojo Review – Logo Design and Brand Identity to Set You Apart From The Rest

logo mojoThis post brought to you by Logo Mojo. All opinions are 100% mine.

A high-quality, creative logo is imperative for anyone trying to effectively market and grow their small business. Logos are the first thing people notice – particularly for online businesses – so it’s vital that your logo be original and make a memorable first impression. Logo Mojo, a website that specializes in logo design for small businesses, understands that and has a staff of in-house designers whose job is to come up with a professional, effective logo that is just right for you.

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7 Unique & Cheap Christmas Gift Ideas for Men That They’ll Love

christmas gift ideas for menGuys get a bad rap when it comes to gifts. Many women think that they have to overspend on expensive holiday gifts for men like gadgets and power tools, but that’s not necessarily true. We’re simple people. We don’t always need the latest home theater system, iPad, or a table saw to be happy on Christmas Day.

Granted, my Amazon wish list has a bunch of expensive stuff on it; but that’s why they call it a “wish list.” It also has a bunch of cool inexpensive items on it that a lot of other guys would probably like, too.

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10 Creative, Thrifty Ways to Recycle & Reuse Household Items

man draw ways to recycleMy husband and I really enjoy learning new ways to reuse things around the house. We try to be creative and innovative in our ongoing efforts to reuse, and also have fun with it.

Here’s why we do it, and 10 easy ways you too can start using less, and reusing more:

Why Reuse?

Saves Money
This is obvious, but keep in mind that how much you save depends on what you are reusing, and how consistent you are with it. Some projects may only save you a few dollars a month. The key to more substantial savings is to reuse several things and stick with it. The savings will add up.

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Seasonal Affective Disorder (SAD) Symptoms & Treatment – 8 Frugal Ways to Beat Winter Depression

It’s that time of year again — the days get shorter and the temperature heads south, which is probably exactly what you’d like to do. Productivity drops, you’re tired and just can’t seem to get it together. These are some of the symptoms of Seasonal Affective Disorder (SAD), and if you suffer from them, you might be looking at the calender with a sense of dread.

What is SAD?

Seasonal Affective Disorder is a form of depression that occurs mainly during the winter months. Some people call it the “winter blues” or “winter doldrums,” but psychologists have identified SAD as a true depresssive condition.

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