The History of the Christmas Card

The Christmas card, as we know it, originated in England in the year 1843.  An artist named John Calcott Horsley was commissioned by Sir Henry Cole, a wealthy and successful London businessman, to create a card that could be sent out to his friends and clients to wish them a merry Christmas.

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Sir Henry Cole was very well known at the time, for a number of reasons.  He had a helping hand in helping to modernize the British postal system.  He played a prominent role in the creation of the Royal Albert Hall, and acted as the construction manager on this massive project.  He also arranged for the Great Exhibition of 1851, and he oversaw the inauguration of the Victoria and Albert Museum.

One of Sir Henry Cole’s greatest aspirations in life was to beautify the world around him.  He owned and operated a wonderful art shop on Bond Street, which specialized in decorative objects for the home.  His shop was hugely popular with the British upper class, and he earned a tidy sum from his business.

The Christmas card he commissioned was fashioned in the form of a triptych, which is a three-paneled design that allows for the two outer panels to be folded in towards the middle one.  Each of the two side panels depicted a good deed.  The first showed an image of people clothing the poor, and the other side panel showed an image of people feeding the hungry.  The center piece had an image of a well-to-do family making a toast and surrounded by an enormous feast.

The inscription on the inside of the card read "A Merry Christmas and a Happy New Year to you."  Of the one thousand cards printed for Sir Henry Cole, only twelve exist today in private collections.  The printed card became highly fashionable in England during the years that followed.  They also became very popular in Germany.  It took quite a long time for the idea to catch on in America, then popularized by a German expatriate named Louis Prang in 1875.  Today, more than 2 billion Christmas cards are exchanged each year.  Merry Christmas, all!

Taking Jesus Out of Christmas

I am sure you have all heard by now how the secular forces in our country are attacking the true meaning of Christmas. These secular forces are trying to literally replace the term "merry Christmas" with "happy holidays." They are trying too re-name our traditional Christmas tree as the "holiday tree." They are trying to take out the baby Jesus, Mary and Joseph from the manger scenes.

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President Bush himself has taken out the term "merry Christmas" from his yearly standard Christmas card that he sends out in an attempt to try and be politically correct. Many of our major department and retail stores have also replaced the term "merry Christmas" with "happy holidays" for fear of offending the minority in our country if they are not Christians.

In the last poll I saw taken, it has been estimated that 80-85% of the people in our country still consider themselves to be Christians. We are thus looking at 15-20% of our population either being atheists, agnostics or of another faith and religion.

In an effort to try and appease and not offend this small minority, many in the political, academic and social fields are literally trying to take out the true meaning of Christmas - the celebration of the birth of our Lord and Savior Jesus Christ. And surprisingly, many liberal Christians are now in this secular camp.

I have seen many of them on the local news and cable talk shows. They are telling the rest of us conservative and traditional minded Christians that we are getting too upset over nothing, that we should be willing to completely separate Church from state, that we are too thin skinned and that we need to go along with this secular agenda and take our faith and belief right out of any kind of public arena.

As a result of this dark side attack, many Christians have risen up and have done battle with the secular forces trying to remove Christianity from the public square. We have been successful in some of the court battles along with some of the battles against some of the schools who are also trying to remove every tenant of Christianity in their teaching systems.

For those of you who don't know what the word "secular" means, Webster's Dictionary describes it as follows:

"Worldly, profane, heathen. Relating to worldly things as distinguished from things relating to church and religion; not sacred or religious, temporal."

Another term that you will often hear is the phrase "secular humanism." Webster's describes this term as follows:

"Humanism that systematically opposes the introduction of religious ideas or standards into the functions of the state, especially into public education. A system of doctrines and practices that disregards or rejects any form of religious faith and worship."

Remember this word. You will be seeing a lot more of this demonic movement in the coming years.

Per the series of articles I have done on all the end time events that will be occurring before Jesus returns to us for His second coming, one of the heavier signs that will be occurring will be the moral disintegration of many people from all walks of life.

The Bible tells us that in the latter days many people will become lovers of self, boasters, proud, blasphemers, unthankful, unholy, slanderers, brutal, without self-control, headstrong and lovers of pleasure rather than lovers of God. The Bible also tells us that some of these people will be falling for "doctrines of demons."

There is no doubt in my mind that the secular agenda and their basic philosophy is a demonic doctrine straight from the pit of hell. Not only do they not believe in God - but they want to try and take Him right out of any kind of pubic arena - even if they are considered to be in the minority!

You thus have liberal judges, teachers, professors and politicians who are doing everything they can to try and remove God from all of the public areas of our life. They are doing everything they can to try and remove the Bible and the Ten Commandments from every major public area of our lives.

Many of our school children have literally lost their faith in God and Jesus by the time they graduate from some of these liberal and secular colleges. If that child has not been raised up with a good, solid Christian upbringing, he will become easy prey for some of these demonic professors who are teaching them that man does not need a God to answer too and that man and science can eventually solve all the world's problems.

What you will find that is really funny in all of this is that these secular forces are not attacking any of the other false religious faiths and beliefs. They are not attacking any of their holidays or trying to take out any of their system of beliefs out of our public arenas.

The reason for that is that all of these other false religions and beliefs are not considered a threat to them and their beliefs. Christianity is the only faith and religion that will draw a major battle line in the sand and call out things the way they really are. Christianity is the only faith that will call man as he really is - a sinner in need of a Savior.

Secularists don't want to be told that they are all sinners. They don't want to be told that they need God's grace and mercy through the death of Jesus Christ in order to receive redemption and a pardon for their sinful states and natures.

They don't want to be told what they can and cannot do. They want total freedom of expression and they don't want to have to answer to a real live living God for the moral decisions they want to make with their lives. In other words, they do not want any moral absolutes dictating how they should live in this life.

This is why you are seeing such a fierce and relentless attack on Christianity in every area that they think they can get away with. With us now approaching what I believe are the latter years as told to us in the Bible, I am afraid that not only is the secular movement not going to be going away, but it will be getting stronger in the coming years, eventually leading up to a real live antichrist who will literally be ruling this entire world for the last 7 years on this earth.

Stay Sane This Holiday Season: 7 Tips To Make Your Life Easier

The stress of the impending holiday season is enough to take an experienced host out of their Thanksgiving turkey, tryptophan-induced coma and turn them into a Christmas-crazed, Black Friday maniac.  With these seven helpful hints, avoid the fervor of the masses and retain your sanity.

Kids Christmas Activities And Games

1. Delegate!
Although hosting the perfect holiday celebration may feed your ego, it may also provide you with sleepless nights before the big event.  Don't be afraid to delegate tasks.  Send your spouse to the store with a list of last-minute items; have your kids vacuum and clean up around the house.  When a guest asks what they can help with or bring, don't look a gift-horse in their courtesy offer.

2. Watch the clock.
If you know the post office or the grocery store becomes chaotic at 4:30 pm every afternoon, plan your trips accordingly.  Avoiding long lines, impossible parking and crazed consumers will help you keep your cool.  If you cannot fit these tasks into your schedule at any other time, see tip number one!

3. Check vacation balances at work.
Don't be afraid to ask a member of management or Human Resources to check your vacation and floating holiday balances.  Many companies do not roll vacation balances to the next year; if this time is not taken, it is lost.  Use this forgotten vacation time to finish last-minute details and errands.

4. Give your hand a break!
When contemplating all the Christmas cards, holiday invitations and thank-you notes to be written, you may already have a hand cramp.  Buy an <A HREF="http://www.rubberstamps.net">address stamp</A> for those envelopes or a “Season’s Greetings” stamp for your correspondences.

5. Stay healthy.
Get eight hours of sleep each night, drink enough fluids and take your vitamins.  While you're busy taking care of guests, family and friends, don't forget to take care of yourself.

6. Shop online.
Although there's something immediately gratifying about leaving the store with a fistful of shopping bags, shopping online can eliminate the insanity of the in-store experience.  Many online stores offer free shipping, "receive by Christmas" guarantee dates or a huge variety of gift ideas.  Shop online and avoid the mob flocking to the local mall.

7. Remember the "reason for the season."
Instead of allowing the stress and circumstances to overwhelm you, take a moment to reflect on why your family and friends are gathering.

Follow these seven tips this holiday season and watch your tension levels melt away.  Don’t traumatize yourself by obsessing over unfinished tasks.  That’s what family is for.

Say "Bah, Humbug!" To Holiday Debt: Avoid the "Holiday Hangover"

Ah, the holiday season!  Turkey and dressing, pumpkin pie, office parties, jingle bells, and lots and lots of eggnog make the season a delight.  But all fun and reindeer games aside, you have to be careful to make sure you don't wind up as poor as Tiny Tim!  Americans can spend as much as $1,000 a year on gifts for family,  friends and business associates.  That is a big chunk of money that can hit you pretty hard come January if you don't plan ahead.  There are some tips and tricks you can do to keep your holidays bright and debt-free this year.

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Before the holidays arrive, do some careful plotting and planning for family and business expenses.  A few hours spent in preparation can mean less money spent on gifts. You don't have to be Scrooge, you just have to be smart.

1) Decide how much you are willing to spend, and stick to it.  Pretend you are spending cash.  How much can you afford out of pocket this month?  If you cannot afford it right now, consider that you cannot afford it at all.

2) Budget non-gift and after-Christmas items too.  Remember to include other things you buy over the holidays - cards, stamps, candles, a tree, decorations, and food galore.  Plus, plan ahead to save some money for next year by taking advantage of after Christmas sales.  It is all part of your holiday spending, so plan for it in your holiday budget.

3) Make a list of everyone you will be buying gifts for and estimate how much you want to spend on each person.  Include the smaller gifts for teachers or your mailman.  Include the price of cards and stamps, because Christmas cards count as gifts when it comes to your budget.  Then, add it up and compare the total to your budgeted amount.  Make the necessary adjustments.  Your brother-in-law may only get socks this year.

4) Cut down your list.  This may sound harsh, but look closely at who you are buying gifts for.  When saving money is an issue, it is ok not to give gifts to everyone you know.  Send only cards to distant relatives, neighbors you don't know well and business owners who haven't bought from you this year.

5) Be creative.  Determine if some people would be happy to receive home baked cookies.  Remember, the holidays aren't about presents but about good will towards man.  Good will comes in many forms and does not always need wrapping paper.  If you have a skill or a hobby, use it:  needlework, knitting, art or poems.  Make a photo album, or offer to plant their garden.  Use discount coupons for your customers.

6) Carry your shopping list with you.  Take every opportunity to shop.  Start early and try to get things before the rush, before highly sought, hard-to-find items go up in price, and before you can't find what you need.  This gives you a chance to comparison shop.  It also takes away some of the stress and reduces your risk of overspending just for the sake of finishing your shopping.

7) If a store offers free gift-wrap, go for it!  It'll save you time and money on buying wrapping paper, tape, bows, and cards and struggling with it all yourself.

8) Have willpower.  Stick to your estimates and you won't go over budget.  eBay is a wonderful shopping tool if you remember to start early enough to account for shipping time.  Find the right item, bid your budget price and leave it.  If someone outbids you, don't get into a bidding war, just bid on something else within your price range.

9) Increase your income for the season. During the holidays there are lots of ways to make a little extra money.  Many stores hire part-time workers for the holidays.  Since it is a party season, babysitting is in high demand.  Be imaginative. You could be the Official Gift Wrapper in your neighborhood and wrap gifts for friends and neighbors for a small fee.

10) Use your credit cards.  Yes!  If you stick to your budget and only spend what you are able to pay for in the next 30 days, then yes, you CAN use credit cards.  The key is to use them as you would cash.  Using your credit card is not a way to buy things you can't afford, it is a way to organize your spending and possibly get some rewards and discounts along the way.

11) Make the credit card companies compete for your business.  It may be the holidays, but you can dig in your heels and play hardball.  Call your credit card bank and tell them you won't be using their card for your holiday purchases unless they sweeten it up for you.  You want a little sugar and spice to make using that card a better deal.  You can ask for 0% interest, double your gas points or flyer miles.  Anything to make using your credit card more worthwhile.  Banks will usually be willing to strike a deal with you, so long as you try.  It can't hurt to ask.

12) Use specialized credit cards, but carefully.  Many of the stores where you will be buying your holiday gifts offer their own credit cards.  They tend to have ridiculously high interest rates.  However, they may give you discounts of 10%, 15%, sometimes even 20%!  So, you could actually go ahead and use a store credit card to make the purchases and get the discounts, since you are paying these off when the bill comes due the interest rates should not be a problem. If you do get into a pinch and can't pay them off right away, then transfer your balance to your lower-rate credit card before any interest is added to the higher-rate one.  You need to be on the ball with this trick, but it may save you money.

It is important to keep in mind that every new credit card you apply for will lower your credit score.  So if you're saving up for a mortgage or a large loan, you'll want to avoid applying for additional credit.

Come the start of January, your main concern is going to be getting ready for the new year, and you won't want post-holiday money troubles making things worse.  The Ghost of Christmas Past starts visiting even before you put the tree in the trash.  Be sure to have a Happy New Year by being money-wise in advance.

(c) 2005 DebtGuru.com(r). This article may be freely distributed as long as the signature file and active link are included.

Natural Foot Care For Diabetics

Because of the disease diabetes, damage can be caused to blood vessels and nerves in the feet, then circulation may be impaired and infections can form on the feet without the person realizing. This can ultimately cause major complications and even amputation. Diabetes also impairs the immune system so diabetics are more prone to infection. Those who suffer from the disease should have regular foot examinations by their doctor and should know whether or not they have nerve damage.

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To prevent and check whether there is injury to the feet you should get into a routine of checking and caring for your feet, this is especially important if you already have nerve or blood vessel damage or current foot problems. Here are twenty important natural tips for keeping your feet healthy:

1. Inspect your feet thoroughly every day.

2. Clean your feet daily in lukewarm water (test this with your hands) with a natural soap, dry them thoroughly to prevent fungal infection.

3. Protect your feet constantly by wearing well fitted, comfortable but sturdy shoes.

4. Never walk around without some kind of footwear to protect your feet.

5. Clean, dry cotton or wool socks are also a good way to protect your feet from pressure points and bacteria caused by sweat.

6. Always apply a little amount of a natural foot cream that contains antibacterial agents to the soles of your feet after bathing, avoiding the skin between the toes. Diabetics can find that the skin on their feet dries and cracks easily which can potentially leave them open to infection.

7. When cutting toenails always soak the feet in a good foot soak that has antibacterial properties in it to soften the nails and cleanse away any bacteria and grime from the nails. Remember to cut the nail straight across with a nail clipper, since curved nails are more likely to become ingrown.

8. Using a gentle natural foot scrub can smooth any small rough areas before they become a problem.

9. Exercise promotes good circulation so walk daily and don't sit in one spot for too long. An easy exercise is to make circle with your feet ten times in each direction, keeping your leg as still as possible.

10. Sitting with your feet elevated for 10 minutes will also help your circulation.

11. Regularly massage your feet, this will also stimulate the circulation.

12. If you do notice a sore or any type of infection, see your doctor for treatment.

13. Stop smoking. It's awful for the circulation and your health generally.

14. Have any bunions and corns removed by a professional to avoid infection.

15. Regularly clean the shower with a natural cleaner and spray a little diluted tea tree oil around the drain.

16. To keep your feet warm in bed wear loose, comfortable cotton or wool socks.

17. Always make sure your feet are kept at a comfortable temperature, avoiding cold feet.

18. If you have any pain in your feet see a podiatrist or your doctor immediately.

19. Use foot powder.

20. Follow a healthy diet and lifestyle; this will help prevent problems and complications.

Saving Money over the Christmas Period

Christmas is one of the busiest times of year. There are so many things to think of. People have usually got family or friends visiting, the Christmas meal to cook, gifts to buy and wrap and decorations to put up. It can also be a very expensive time of year. Many people report huge regrets every January when they have over spent on Christmas presents and all the related costs.

If you are worried about finances this Christmas, or want to cut down a little on expenses there are a few simple money saving tips you can take.

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Secret Santa

First of all there are gifts. Depending on the size of your family you may spend a lot of money on gifts over the Christmas period. One of the things you might consider doing is arranging a secret Santa. These are a great way to cut down on gift costs and can also be a lot of fun. How it works is you get a group of friends or family members together and put everyone’s name in a hat. Then you each pick a name from the hat at random. This is the person you buy a present for. The game guarantees that everyone gets a present while at the same time meaning that you only have to buy one present. You can keep the gifts anonymous or not depending on your preference.

Another thing you can look at doing this Christmas if you want to save some money is consider making gifts. You can bake cookies or cakes, or make gifts using some craft you are good at or enjoy such as knitting, cross-stitching or patch working. You can also make your own Christmas cards. This can be fun and many people will appreciate the personal touch.


Debt Consolidation

Christmas shouldn’t be all about saving money, but it shouldn’t be about falling into debt either. It is generous to give but no one expects you to give more than you can afford. If you are having trouble with debts then you shouldn’t be over spending this Christmas. There are many things you can do to get debts back under control. One option would be debt consolidation. This means taking out a loan to pay off all your existing debts. The interest rates will be far lower than those on other debts such as credit cards and the savings will give you the chance you need to get your finances back under control.

Reduce Waste this Christmas

Christmas is responsible for more waste and consumption than any other holiday. North American’s trash increases by 25% over Christmas - which equates to 25 million extra tons of garbage going to the landfill. By recognizing the incredible waste that is generated the urgency to do something becomes apparent. A truly useful or environment friendly gift is a better ecological choice. Here is a brief list of ideas to inspire you.

ß For the homeowner - thermostat control that automatically turns the heat down at night. A low flow shower head attachment. A draft cozy (placed in front of doors to prevent drafts) and tubes of caulking or weather stripping. Dimmer switches or compact fluorescent bulbs. Hot water tank and hot water pipe insulation kits.

Kids Christmas Activities And Games

ß For the gardener - subscription to an organic gardening magazine or a membership to a seed organization. Bird, bat and butterfly houses, baths and feeders – or the patterns to build them. A composting worm bin or a membership with an environmental group.
ß Tickets to a performance, restaurant gift certificates or services such as lawn care, diaper, cleaning, music lessons, exercise or dance classes, tune-up or tire rotation services – all support local business.
ß Dehydrated, canned or preserved foods make excellent gifts. Frozen dishes are treasured by those that find cooking tasks cumbersome.
ß Brazil or cashew nuts as they promote a living tropical rainforest.
ß Books (i.e. Trash Talk).
ß A reusable coffee filter and whole organic coffee beans.
ß If you choose to purchase electronics, consider those powered by solar or rechargeable batteries.
ß For holiday photo memories using a digital camera and getting pictures put on CD’s reduces chemicals, paper and cost. Choosing 36 exposure film rolls reduces packaging and waste.
ß Consider a live tree. At the end of the season, donate it to individuals, the city, schools or parks. Plant it in your own yard for privacy, shade or erosion control.

Protect Your Identity This Holiday Season

With the holiday spending season fast approaching, it’s crucial that you understand the dangers of identity theft.  Though many of the methods thieves use to steal identities are out of our control, there are many measures you can take to protect yourself from the threats identity thieves pose.

Protect Your Credit Card Number From Prying Eyes

When making purchases with your credit or debit card, make sure that only the last 4 digits of your card number are shown on the receipt.  The first 12 digits should be unknown, and are usually replaced by Xs.  If they aren’t, by law you are permitted to mark out the first 12 digits on the merchants copy with a pen.

It is especially important that you check your credit card receipt at restaurants.  Don’t leave the restaurant’s copy on the table after your meal if all 16 digits are shown.  It’s best to cross out the first 12 digits and personally hand the receipt to the wait staff.  Otherwise, you risk an identity thief walking away with your name, account number, and quite possibly your card’s expiration date.

Identity Theft Deterrent

Only Use Your Social Security Number When Absolutely Necessary.

Though it is necessary to use your social security number when applying for credit or opening a bank account, it isn’t always necessary that you use it in other circumstances.  Although not that common nowadays, some stores and organizations may want to use your SSN as an ID number within their system.  Though this practice is discouraged by law, you will still run across it from time to time.  In these situations it is best to use your judgment.  If for any reason you feel uncomfortable, there is usually an alternative available if you ask.

Your Trash is Treasure to an Identity Thief

The most important investment you can make in protecting your identity is a good paper shredder.  Identity thieves won’t think twice about going through your trash in order to find sensitive personal information that will help them obtain credit in your name.  Shred anything and everything that has personal information, such as credit card numbers, social security numbers, dates of birth, phone numbers, etc.  Do it at home. Do it at work.

The holiday season is a time for us to enjoy shopping for our friends and family.  With every swipe of our credit cards, however, it is imperative that we protect our financial futures from the dangerous threats identity thieves pose.

Organizing For The Holidays

Take some of the stress out of the holidays by getting organized now. The key to holiday organizing is to start early, take baby steps, and make lists (i.e. gifts, budget, meals, cards, etc.). Now is also the time to go through clothes, toys, and other household items to make room for the presents soon to come.

Greeting cards can almost cause as much stress as shopping. Plan to complete your cards over a week or two. Gather all your letter-writing materials before you start, and keep them in one place until you finish. If you like to send a general update along with a personalized note, write that first. Then add a personal touch to a couple cards a day, and you will be finished in no time.

Becoming A Professional Organizer.

Before you ever step foot in a store, have everyone make gift lists (including stores). This way you can give to others what they want instead of something that will become clutter to them. Plus, you have one less decision to make. Make shopping easier by setting a deadline so you can enjoy the holiday season. The earlier you start and finish your shopping, the shorter the lines and better the selection. When you can, shop odd hours for a less hectic experience; avoid malls and post offices on the weekends if possible. Shop online when applicable. If you do not know what to get someone for a holiday present, think consumable; a consumable gift will probably not go to waste or add to the clutter. You can even have everyone contribute to a group meal or activity, or you can set up a Secret Santa exchange. When it comes time for wrapping, create a separate space with all necessary supplies so you can wrap easily and quickly, if necessary. For extra-large gifts, use a paper, holiday tablecloth for wrapping paper.

Do not overwhelm yourself by cleaning the house from top to bottom; concentrate on the public areas. Guests will appreciate your hard work and still be able to enjoy your company. If you tend to decorate similarly from year to year, take a picture of your decorations to speed the process next year. Prepare for unexpected guests; keep an inventory of quick food items such as cheese and crackers, tea and coffee, frozen cookies, etc. For your planned gatherings, allow enough time for cleaning, cooking, and decorating by counting back from the time of your party. Keep meals simple or ask guests to bring a dish to reduce your preparation time and stress. Delegate or ask for help with some of these activities; it will take a little of the stress off you and may even turn several of the chores in to fun.

Once all the festivities have passed, the idea of cleaning up and taking down the decorations may invite some of that stress back into your life. Stop it in its tracks – have an informal “undecorating” party. Most chores take less time and are more fun when you have friendly company and a couple extra hands. When it comes to Christmas decorations and supplies, use appropriately sized storage containers that are sturdy and label, label, label! A couple extra minutes at the end of this season could save hours when it is time to decorate next year. This is also a good time to update your card list while everything is fresh in your memory. If it turns out you forgot someone this year, you can always send a New Year’s card.

Just remember, the holidays are about friends, family, and fun. Take the stress out of holiday preparations and enjoy the good times by preparing early, asking for help, and keeping it simple.

Making a Christmas Budget

Having a budget for the holidays has many benefits. Making a Christmas budget is not that difficult to do, once you understand the basics and apply these basics to your household. Here are a few steps for making your Christmas budget.

When you have a Christmas budget, you are less likely to be stressed out after the holidays regarding overspending, or paying off big bills. You won't find yourself robbing other household budgets to pay for Christmas gifts. Your credit cards will not be over limit and your savings will be safe. The benefits are many, so get ready, and make your Christmas budget by following these simple Steps.

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Step #1 - Determine how many people you need to purchase gifts for this holiday season.

Step #2 - How much are you willing to spend no gift giving (did you have a Christmas funds account all year? if not don't fear).

Step #3 - Understanding how much you can comfortably afford to spend on gifts is half the battle of making a Christmas budget.

Step #4 Finding out how much you can spend if you do not know:

Find out how much is in savings or Christmas fund accounts. Write down all household expenses including bills, utilities, food and gasoline. Make sure that household expenses are set aside and you do not touch this money for gifts. Any funds outside of these household expenses can be used for gift giving. Do not use credit cards unless you have one that is solely for this purpose.

Step #5 - Consider making at least some of your gifts this year. Especially for grandparents, aunts and uncles who love to receive current photos of the kids, making photo collages and handcrafted items that the kids make, will be big hits that won't cost much to make.

Step #6 - After knowing how much $$ is in the Christmas Gift budget you can make a list of all the gift giving related items that you need to purchase.

Christmas Gift Budget Categories:

Present

Gift Wrapping

Ribbons and Bows

Gift Tags

Step #7 – Allocate the amount you believe you will need to spend on all categories except Present. The amount left over is what you have to spend on presents.

Step #8 – Deciding what to spend on each present – You can take the total amount of funds available in your budget for presents and divide it by how many people you need to buy presents for an example would be if your budget for presents is $250.00 and you have 8 people that you need to buy presents for, you would divide 250 by 8 and get $31.25 for each person. You may also decide that there are kids on your list that you would like to spend more money on and adults that you can spend less money on. You may have 3 adults and 5 kids to buy presents for and decide that you can find good gifts for $10 for the adults. You would then have $220 to split between 5 kids which would mean that you could spend $44 on each child. You can buy one gift for $44 or split the $44 into smaller gifts for each child.

Summary:

A Christmas budget will help you to stay within your spending means and this equates to a happier and less stressful after holiday season. Make sure that you remember to take into account that you will be spending more gasoline on shopping trips, going to Christmas parties and family gatherings during the holiday season, so keep this in mind when allocating funds.

If you do attend a lot of holiday parties, you may also want to make a category for host/hostess gifts. If you throw any holiday parties be sure to allot funds for the purchases you need to make for these parties.

Budgets are designed to help you spend without stressing too much, so take advantage of these steps now, so that this year, the holidays will be all about having fun with family and friends and less about stressing out over money.

Loans Are Not Just For Christmas. Surviving The Holiday Debt Hangover.

Christmas is coming - A time for decorations, songs, over-eating, gift giving, visiting the family, consumer spending and the increasing of personal debts. Bah humbug.

While most people see Christmas as a joyful period there are many who see it as a time of financial worry as they cannot afford to buy presents for everyone. For these people it is often the doorstep lenders who will be getting fatter rather than them and their family. The temptation is to simply put the expenses on the credit card or take out a loan to be paid back on the never-never. Unfortunately this can lead to disastrous results in the long-term, as the recent increase in the number of repossession order applications are testimony.

There are a few simple rules can help to prevent a post festive period financial hangover though.

Firstly, don’t ignore the problem. The longer you leave a debt problem, the worse it will become.

If things seem desperate then contacting a free organisation such as National Debtline (0808 808 4000) can help by giving debt advice over the phone, or by providing booklets and fact sheets, as well as helping to set up personalised debt management plans.

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Next, maximise incomings and minimise outgoing expenditures. Look out for anywhere costs can be reduced. Online retailers don’t have to pay for expensive premises, and so buying presents online rather than in the shops is often a great money saver. Be alert for shop sales and make the most of them.

If you already have debts, then you need to be wary of borrowing more money without some serious consideration and qualified professional independent financial advice.

Taking out a low rate secured loan to cover previously unsecured debt may seem like a sensible idea, however, should you fail to meet the payments you could lose your house. If you have unsecured loans, your home may not be safe either. Debt counselling charities have recently become increasingly alarmed regarding a growing trend by some of the high street lenders to issue “charging orders” on borrowers’ homes in order to recover bad debts. This means that by going through the courts, the lender can change an unsecured loan agreement converting the debt to be secured on the borrower’s house, whilst still charging unsecured interest rates. A consolidation loan may seem sensible; however this will mean borrowing more money, over a longer period this will mean more interest to pay in the long run.

If you decide to take out a loan, then you need to ensure that you are getting the best rate that is available. The big banks like Barclays ( http://www.barclays.co.uk/loans-index/ ) have online facilities showing their current rates , and other online finance companies such as Moneynet ( http://www.moneynet.co.uk/loans/index.shtml ) provide free facilities to compare rates for hundreds of secured loans, unsecured loans and even adverse loans.
Never use a doorstep lender no matter how desperate things seem. Radio 4's Money Box recently highlighted the plight of people in Southampton where the typical doorstep lender’s APR was a massive 177%. For people on low incomes trying to regain control of their finances, this will lead to further problems and cause existing debt to spiral out of all control. Recent initiatives for people who have had problems getting affordable credit, known as Community Development Finance Institutions (CDFIs), have started springing up around the country. These are funded by a collaboration of public and private money including some of the major banks, and specialise in providing personal adverse loans and small business loans to people who have previously been turned down by the banks. CDFIs usually charge an annual interest rate of up 24%, which is higher than many standard non-adverse high street loans due to the increased levels of risk and additional advice involved with this kind of lending but it is also much lower than the unregulated alternatives.

When you look at paying off existing debts, you need to decide which are the most important and deal with your priority debts first. Ensure mortgage and rent bills are covered first, next pay off essential utility bills and council tax, before trying to pay off any unsecured loans.

As well as reducing any monetary outgoings, it is also important to ensure that you are getting all the incoming money that you are due. Checking with the local Citizens Advice can be useful for help on debt, benefit, housing, legal, discrimination, employment, immigration and consumer issues. They will be able to advise you on most areas of concern, including whether there are any government payments to which you could be entitled.

Debt problems can seem insurmountable at the best of times, but over the Christmas period it can become completely overwhelming. Start by maximising your incomings, minimising your outgoings, and careful budgeting and purchasing. Ensure you are getting the best loan rates through free online information comparison at sites like Moneynet, and speak to free independent advice services like National Debtline and Citizens Advice; it is possible to retake control of your finances and have a happy Christmas.

Disclaimer:
All information contained in this article, is for general information purposes only and should not be construed as advice under the Financial Services Act 1986.

You are strongly advised to take appropriate professional and legal advice before entering into any binding contracts.

Useful resources:
Moneynet loan comparisons ( http://www.moneynet.co.uk/loans/index.shtml )
Barclays loans ( http://www.barclays.co.uk/loans-index/ )

Kwanzaa and Hanukkah

Similarities between Kwanzaa and Hanukkah Celebrations at Christmas

Kwanzaa and Hanukkah, celebrated by African-Americans and Jewish 

people respectively, are observed during the Christmas season. The 

celebrations are separate from activities related to Christmas however. 

The observances of Kwanzaa and Hanukkah are also one reason that people 

also give wishes of Happy Holidays instead of Merry Christmas during 

the season.

Although both activities are very different and were originated 

for different reasons, some similarities can be found between the two 

practices. Both celebrations have commitment as a central and important 

theme. They also both include symbolic forms of light and are both 

commemorated over almost the same number of days – seven (7) days from 

Dec. 26 to Jan. 1 for Kwanzaa, and eight (8) days and night for 

Hanukkah – usually starting about one week before Christmas Day.

Starting with its origination, Hanukkah celebrations dates to an 

event in 165 B.C. when the Jews were victorious over the Syrians. 

Hanukkah started as a way to restore and rededicate the Temple in 

Jerusalem that had been desecrated, including its golden menorah, by 

the Syrians. The festival also served the purpose of once more 

observing and re-instituting rituals that the Syrians had forbidden 

during their rule.

Kids Christmas Activities And Games

Kwanzaa was started 40 years ago by a university professor as a
way for African-Americans and others in the African diaspora to engage
in celebrations that included elements of African culture.
While Kwanzaa is not as popular as Christmas, it keeps
growing and its goal has been achieved to some extent as it is now
practiced in many nations such as those in the Caribbean, which have a
large population of people of African ancestry. The wide availability
of Kwanzaa greeting cards and even postage stamps at Christmas time,
also attests to the extent to which the celebration has entered the
mainstream.
The primary symbol of Hanukkah, the menorah, which consists of
eight (8) individual lights, is very much a part of the mainstream.
Menorahs are available today in various shapes and sizes. A single
standard requirement that must be observed in making a menorah is that
there should be enough separation between the flame of each of the
eight (8) lights so that they don't give the total effect of a single
large flame when all are lit.
A flame is lit each night over the days in remembrance of how a
small quantity of oil from the desecrated Temple kept a menorah burning
for eight (8) days, when the amount should have only lasted for a
single day. It was that miraculous occurrence that gave rise to the
Hanukkah celebration to light a menorah over eight (8) days.
Kwanzaa symbols include a candleholder and seven (7) candles that
represent the roots of African ancestors and seven (7) core principles
of Kwanzaa respectively. Other symbols are, The Crops for African
harvest, Mat for African tradition, Corn for the future represented by
children, the Unity Cup and the Gifts. The Flag and Poster of Seven (7)
Principles are two (2) supplemental symbols.
These items can be found at specialty African and African-
American shops in some malls and in town with a heavy concentration of
African and African-American population.
Among the most important features of Kwanzaa are the seven (7)
core principles and values they embody: self-determination, unity,
collective work and responsibility, cooperative economics, purpose,
creativity and faith. These seven (7) principles are meant to be a
foundation and guide upon which the African diaspora can build a
strong, successful and fulfilling life while maintaining a connection
to their roots.
While not religious, the principles of Kwanzaa are meant to
instill a strong sense of spirituality in individuals. Kwanzaa seeks to
instill spirituality upon which individuals can build self-confidence
and secure self-identity through a link to their roots.
This sense of spirituality and connection to one's history, roots
or ancestry is also an element of similarity between Kwanzaa and
Hanukkah.

Holiday Spending Tips - Ten Ways To Keep From Having A Holiday Spending Hangover

Ah the holidays… a time for parties, over eating, and over spending. Americans routinely overspend during the holidays, often resulting in increasing credit card debt to go along with that increasing waistline from too much pumpkin pie.

The holidays are stressful enough. Don’t add to that stress by overspending your holiday budget. Here are ten tips to help you save time, money and stress this shopping season:

1. Make a list. Decide how much you can afford to spend this year and write it down. Decide who you want to buy for, and how much you want to spend on each person. Take this list with you when you go shopping to ensure that you don’t buy on impulse or exceed your spending limit. Also, don’t forget to include wrapping paper, decorations and shipping costs. These can add up fast!

2. Pay cash for your holiday gifts. It’s much harder to spend cash than credit, so this tip alone could save you hundreds of dollars this holiday season. Also, avoid credit card offers or store charge card offers that offer you a discount if you sign up. These cards usually have high interest rates, and could end up costing much more in the long run than the discount you receive when you sign up for the card.

3. Do your shopping online this year. Buying online could result in discounts not available in stores. Just remember to include the shipping cost when buying online. Even if you don’t actually buy online, the time you can save by doing comparison shopping before you go to the malls could be invaluable.

Top Christmas Product - Money Origami Christmas Videos

4. Have a Secret Santa gift exchange, where you put names in a hat and each person draws one name to purchase for. If you have a large family, this could mean tremendous savings! You should set a dollar limit so each person knows how much to spend. That way no one overspends and relatives with smaller budgets won’t feel bad about not spending a fortune on a gift.

5. Another alternative for those with large families is to do a group gift. Have several relatives go in on one big gift instead of each person buying a separate gift. You will probably all save money and you can buy the recipient one big, cool gift that they really want.

6. Start early! Shopping early allows you to comparison shop and to catch pre-holiday sales, which could mean huge savings. This also curbs impulse shopping, which can be very expensive. Another benefit to shopping early is lower shipping costs if you need to mail a gift. Waiting til the last minute can be expensive because you’re more likely to pay full price for the gift, and you may have to pay extra to ship it if you want to guarantee it arrives in time.

7. Make your holiday gifts. If you have creative talents, such as cooking, crafts, etc., making your own gifts can be very special. If you’re not very creative, consider giving your time. Offers to baby-sit or to do something special for someone can be very personal and appreciated gifts. How many parents do you know who wouldn’t love to have free babysitting?

8. Purchase wrapping paper, holiday cards and other decorations right after the holidays. Seasonal items are usually offered at deep discounts after the holiday, and they never go out of style. Stock up on clearance-priced items for next year, this year!

9. If you’ll be traveling this holiday season, book your travel plans early. Airline flights, train tickets and bus tickets usually go up significantly during the holidays, so booking your travel plans early can save you money and stress.

10. Start a Christmas fund in January for next year’s shopping. Many credit unions and banks offer special accounts just for this purpose. A CD is another great way to save for next year’s holiday expenses. It never hurts to sock away a little money every month between now and the next holiday season. You’ll earn a little interest and you’ll have cash to spend on your holiday gifts and other expenses when the holidays roll around.

Holiday Sanity Savers From A Mostly-Sane Mom

The Holidays are a stressful time. Between the additional errands, the extra traffic, and the stress of spending money that you don’t have – even the sanest mom will be questioning her sanity as the holidays near.

Here are a few ideas to help you keep your sanity this holiday season.

Make a list (and check it twice). Keep your shopping list in your purse to keep from being overwhelmed or worse – overspending. If you walk into a store and are bedazzled by all the shiny things, I can relate. I get so overwhelmed that I get nothing accomplished. But, as the Holidays near, I tend to switch into “SuperMarket Sweep” mode and I start throwing everything into my cart (whether I really need it or not). Having a list can help fight this urge, keep you sane – and help your budget stay sane in the process.

As soon as you start buying, start wrapping. There's nothing more stressful than tackling a mountain of unwrapped gifts two days before Christmas. Save on the cost of wrapping paper by buying it after the holiday each year and stowing it away for next year. Be sure to attach gift tags as you wrap. If you're wrapping a month in advance, there's no way you're going to remember what that funky rectangular shaped box is, let alone who it's for.

Kids Christmas Activities And Games

To save time and sanity, wrap gifts that go together in all the same paper. For instance, wrap all gifts that will be going with you to your mother-in-law's on Christmas Eve in the red paper with the gingerbread men. And put all gifts for your friends and neighbors in the blue paper with the snowflakes, etc.

Cook in advance. Did you know that you can make mashed potatoes during the summer, freeze them, and have them ready for the holidays? Mashed potatoes can be kept in the freezer for months if you use a freezer-friendly recipe. Cook your mashed potatoes in advance and offer to bring them to Christmas dinner. You can skip the stress of cooking, because they’ll be ready and waiting for you.

Limit your travel. The holidays are about family, but they are also about togetherness and making memories. If you’re spending your holidays trapped in the car together, driving down icy roads, stressed out, consider ways to travel less.

The Holidays are a time to make memories. Oftentimes the memories we are making are of a stressed-out mom, running around missing out on all the fun because she’s trying to create a perfect moment. Instead, relax and experience the holidays with your family. Between a little planning and taking some of the pressure off, you’ll have a Holiday that would make Norman Rockwell sigh.

Holiday Planning Tips For Busy Moms

Ahhh, the Holidays…… The Thanksgiving turkey comes out of the oven golden brown, with an enticing aroma that fills the entire house. All the china is in pristine condition and not a single piece in the set is missing. The family is gathered for holiday pictures, the children are poised perfectly; hands to themselves, not a hair out of place and their smiles are shining brightly for the camera. Then just as the photographer is about to capture the shot… you wake up!

Let's be realistic ladies. Without proper planning, the holidays are anything but a holiday. Just look at the list of things that need to be done: Shopping, cooking, cleaning, decorating, sending holiday mail, the list goes on and on.

Let me clue you all in on a few key questions that you should ask yourself in order to have a holiday season free of stress and worry, and instead filled with fun and laughter:

What types of holiday celebrations do you want? For example: Do you want to have an immediate family only holiday affair or an extravaganza including immediate and extended family plus a few friends? Once you've thought everything through and decided on the type of holiday gathering you would like, you can then start making your plans.

If you are ready to get a head start on organizing yourself, your family and your holiday check lists, then keep reading:

Gluten Free Christmas Cookbook 

Holiday Cards: Start early! I use a holiday card list that I derive from saving names and addresses from holiday cards my family has received in past years. I created a simple, computerized list that is easy to edit and print onto address labels. Be sure to stock up on stamps so that when you have your cards signed, stuffed and addressed you can affix a stamp to them and make one, simple trip to the Post Office.

Holiday Gifts: There's nothing like getting a HUGE credit card bill in the mail at the start of the New Year. Many of us tend to want to be generous when shopping for holiday gifts. While your generosity will be appreciated at gift giving time, keep in mind that it is very easy to succumb to "impulse buying" and go all out on your holiday shopping. While your intentions may be good, your pocketbook may be singing a different song. Set a budget and stick to it – your bank account will thank you for it after the start of the New Year.

Wrap it up: Wrap your gifts and place nametags on them immediately after you bring them home, then store the gifts in a secure spot. This will cut down on those late night wrapping sessions that I am sure we ALL have experienced a few times, if not every year.

Baking & cooking: If you will be cooking during the holidays, it is important to plan your meals ahead of time. Be sure to stock up ahead of time on all the necessary non-perishable baking ingredients such as flour, sugar and spices. Create a list of your holiday menus and a list of the ingredients you will need to prepare each of those meals. Also, try to think of a few dishes that can be prepared ahead of time and then frozen as an extra timesaving measure

Delegate: This is one of my favorite tips. Be sure to enlist the help of your family or friends. Sit down and discuss what needs to be done then ask for volunteers. If no hands are raised, simply assign small tasks to each of them. Whether it is arranging for a babysitter so that you can escape for a child free day of shopping, passing the shopping list onto another family member or friend so that they can pick up the items for you, or letting the children decorate your home. Be sure to get the whole family involved in the holiday preparations so that you will not be overwhelmed.

Enjoy: Whatever you decide to do, remember to relax and enjoy yourself. You and your family will have much fonder memories of this holiday season if you are not spending it pulling your hair out.

Holiday Cards and Holiday Invitations

The holidays are a wonderful time to send a personal letter to old friends and new friends. There are a great variety of holiday cards to send depending on what the occasion is. Holiday cards don’t need to be sent just at the end of the year either. There are holiday cards to send year round. And with holidays, also come holiday parties, so don't forget about holiday party invitations too.

The end of the year is the most popular time to send holiday cards. If the sender is sending Christmas wishes or hosting a Christmas party, there are numerous types of cards and invitations available. There are many themes for holiday parties including traditional Christmas elements such as Christmas trees, wreathes, and presents. Other elements may include poinsettias, snowmen, and bells. For a Hanukkah celebration, there are many wonderful invitations and cards featuring traditional menorah or Dradle.

Kids Christmas Activities And Games

There are lots of other holidays year round that may call for sending a card or throwing a party. Independence Day invitations or 4th of July invitations are very popular. The summer time is a great time to get guests together for an outdoor barbeque or picnic. There are some great invitations that feature the flag or fireworks. Halloween is also a great opportunity to send cards or throw a costume party. Halloween invitations have some great themes like pumpkins, ghosts, and trick or treaters.

Since you will often need to order lots of invitations or holiday cards, it is important to find a distributor that offers a discount. Many distributors will offer a discount for orders over 25 or 50 invitations. Others offer a discount for ordering invitations online. Look for discounts like 25% off or free shipping. These types of discounts can help save a bundle, especially helpful at the holiday times when money can be spent on other things.

So no matter when or what the occasion, cards and invitations can always come in handy. Choose the best theme for your party and find discount cards and discount invitations to stay in a budget. And most importantly, have fun!