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!

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.

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.

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.

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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.

How to Create the Most Memorable Photo Christmas Cards Received by ALL

Generic, store-bought, holiday greeting cards have served their purpose of sending a festive greeting to those we think about during this special time of year.  Please note that the key word here is ‘served’- past tense is used, for such cards will probably be seen quite soon on a shelf in the Smithsonian under the title, “Antique Holiday Greeting Cards”, as photo holiday greeting cards are taking over.

Amazing advances in computers and photography have made it easier that ever to snap the ideal photo to represent your family to those on your holiday card mailing list.  Digital cameras allow you to take the picture, view it, erase it and retake it within minutes, all before downloading it to your computer or printing it immediately through your printer.

Recent trends have changed from the traditional family photo with everyone dressed in their Sunday Best and set into a proper sort of pose into a more casual themed attire. A shot of everyone, including the dog, all wearing red, Santa-style hats and collarless red shirts create a more playful, everyday sort of look, showing the family as they typically are.

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Each year, thousands upon thousands of would-be photo greeting card senders don’t get the chance, for they were completely unhappy with the finished product.  Maybe they tried to create it themselves on their PC and realized that they weren’t as computer savvy as they had thought (or at least hoped).  When it comes to this once a year symbol, an annual image of your family that will be sent across town and across the globe, there should be no messing around: leave it to the experts.

Of course, there are traits for you to look for in such a company, as you shouldn’t leave this important task to just anyone.  First, find a company that creates unique card templates each year- not one that just changes the year and leaves the same background.  Unless, of course, you choose to have the same template each year and simply change the year and photo for all to see exactly how your family is changing.

Make sure that you have options for the size of your finished card, as well as the finish (matte or gloss) involved.  A better company will have options for the paper other than the finishes, such as an option to have your cards be actual photographs using real photo paper that can be framed and/or scrap-booked by the recipient.

You’ve spent an entire year with your family, but not everyone else has had the privilege.  Creating memorable holiday photo greeting cards is one way to ensure a special place in the hearts of all who receive them.

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.

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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 Money

We are getting close again to the holidays again. While this is always a joyous time of year it can be stressfully too. It is a time when many people celebrate, but everyone can use some extra money to help pay the bills. A lot of people are looking for the extra income by the searched on the web such as holiday money, earn extra holiday money, Christmas extra money, extra holiday money, Holiday money and extra money for the holidays.

As a work at home web site owner it is important to realize that many of these folks are not looking for an online business as much as a way to create some quick cash to help pay for presents or even help with the monthly bills. The Internet seems like a good place for those desiring to create some additional income.

Here are just a few of the areas that may fit well for these folks:

Telephone Answering
Data Entry
Type At Home
Online Paid Surveys
Mystery Shoppers
Focus Groups
Ad Publishing

Top Christmas Product - Money Origami Christmas Videos

This is just a few of the many that I have located, but this does cover the most popular of programs.

You need to use a SCAM filter, because there are many bad programs that will take your money and give you nothing in return. My suggestion is to use a website like mine, whereby the research has been done for you rather than spending hours researching the web. The cost is the same for you whether you use a website like mine, but not necessarily mine, because the companies pay site owners a small commission. The cost of the program if there is one is the same as if you were to buy from them directly.

Once you have either found a website or done the research yourself you will then need to choose from the many programs that are available to you. There are many good programs out there you just need to find them so you don't waste your time. Just give yourself the best chance for success.

You need to be prepared to do some work at home. It will take some effort, not as much as your day job, but it can be done. Who knows you may want to continue after the holidays.  In my opinion you will need the following basic equipment to operate from home:

Computer
Printer
Access to the Internet
Word processor with spell check

Many people are making a lot of money online and have replaced their day jobs, in some cases, so that they can stay home with their families and enjoy a better quality of life. You can be very successful if they pick the right program to meet their goals and dreams. You must make sure that the match is right for you.

Take your time, make your selections, join one or two programs, get started and start making money today. Please feel free to read more of this article by visiting my link in the resource box below. I always enjoy getting emails pertaining to my articles or my site. Your feedback is important to me.

Holiday Guide-Enjoy your holidays & be healthy!

Holiday season is the best among all seasons. Holiday season is the best for family gatherings, spending time with friends, and snowball battles. All of us want to enjoy holiday season. Several people feel migraine problems and severe headaches due to wrong strategy of spending holidays.  You should follow some guidelines to enjoy wonderful holidays.

Following are some ideas that will definitely help you to make great holiday season:

During holidays try to eat little of everything whatever you want because holidays means fun not eating! Eat little instead of joining a gym after holidays.

Avoid potatoes & stuffed food. You should eat more vegetables during holidays to be fit and fine.

Don’t spend your holidays in watching TV. You should spend your time with your nears & dears.

Make a list of important activities that you want to do during holidays. This will reduce your tension and headache.

You should also make a budget for your holidays and be familiar with your limitations. Don’t try to create more social events.

Kids Christmas Activities And Games

You may also handover some of your important tasks to a responsible person who is able to perform those tasks efficiently.

Get familiar with your financial limitations and also don’t try to cross your spending limit.

Don’t forget to take rest because you’ve to go back to your work after holidays.

Do your regular exercises and drink plenty of water and juices.

Find some different ways that can make you happy. Forget the difficulties of past and be ready to enjoy your future.

Don’t spend a lot on travel. You should try to participate in the festivals, marriages, birthday parties and other lovely occasions.

Always spend your holidays with your caring friends, colleagues and family members.

And of course don’t forget to laugh.

History of Some Christmas Traditions

Christians celebrate Christmas to observe the birth of Jesus Christ, which is an event and not a tradition. But many other
activities related to celebrating the Christmas season evolved from certain traditions, many of which are from other countries,
particularly from peoples in Europe.

Among common items used in Christmas decorations are the holly and the mistletoe. Both are used primarily in wreaths
and garlands. The Druids started the tradition of using the mistletoe as decorative items up to two hundred years before Christ. To
celebrate the winter season, the Druids would gather the plants and use them to decorate their homes. The Druids believed the
mistletoe would bring good luck and ward off evil spirits. They also believed that the mistletoe had a healing quality and could be
used for everything from healing wounds to increase fertility.
In Scandinavia, the mistletoe was seen as a plant of peace and harmony and was associated with Frigga, the goddess of
love. This association is probably what led to the custom of kissing under the mistletoe. In the Victorian period, the English also
would hang mistletoe from ceilings and in doorways during holidays. The habit developed that if someone was standing under the
mistletoe, someone else in the room would kiss that person. Such outright behavior was not generally seen in Victorian society.
The use of the mistletoe in Christmas celebrations was once banned by the church however because of its associations with
pagan traditions, and the use of holly was suggested as a substitute.

Gluten Free Christmas Cookbook 

Poinsettias are another traditional decorative flower used at Christmas. It is native to Mexico and is named after Joel
Poinsett, who was the first U.S ambassador to Mexico and who brought the plants to America in 1828. Mexicans believe the plants
were a symbol of the Star of Bethlehem and that's one reason they are associated with Christmas. There's also the story that a young
boy was going to see the Nativity Play at a church but realized he didn't have a gift for Baby Jesus. The boy gathered some green
branches, which others scoffed at. But as he placed them near the manger, a bright red poinsettia flower started to bloom on each
branch, which gave rise to their traditional use at Christmas.
Candy canes became a Christmas tradition not because their red and white stripes matched the colors of the season, but for
the most unusual reason of discipline. that's because they were first used as treats that were give to German children to keep them
well-behaved for the duration of church sermons. Over time, the legend of candy canes at Christmas came to be associated with some
of the strongest symbols and beliefs of Christianity: the Father, Son and Holy Ghost known as the Trinity, the Blood of the Son of
God, Jesus as the embodiment of holiness, purity and without sin and the Son of God as the shepherd of man. The candy cane
represents these symbols respectively with its three stripes, its red and white color and its shape.
Sending greeting cards during Christmas and the holidays is as prevalent today as the custom of giving gifts. The tradition
of sending Christmas cards started in 1840 in Britain with the start of public postal delivery service of the 'Penny Post.' Then from
about 1860, large numbers of Christmas greeting cards started to be produced. The popularity of the cards increased in Britain when
they could be sent by the postal service for one half-penny, which was half the price to post a standard letter at the time, if they were
in an unsealed envelope. Religious pictures of Mary, Joseph , Baby Jesus, the angels, shepherds and Wise Men were traditionally
placed on Christmas cards. Some cards today include scenes from the Nativity, but pictures of Santa Claus, winter scenery, Christmas
trees, gift packages and others are also depicted on contemporary Christmas greeting cards.

History of Christmas

Commercial activities during Christmas today are often decried as making
the season too materialistic. This has caused comments that the religious aspect
of Christmas is so overlooked and overshadowed that its celebration seems to be
purely pagan. But today's comparisons aren't the first there has been some link
between Christmas and pagan celebrations. As a religious, church leaders
instituted Christmas during winter because that time of year was a popular for
the celebrations of many pagan festivals. The hope was that Christmas would also
become a holiday that would gain much popularity.
 Long before the birth of Jesus Christ, people in various parts of Europe would
celebrate light and birth in the darkest days of winter. The winter solstice,
when the harshest part of winter was over, was a time of celebration for many
peoples because they would look forward to more hours of sunlight during the
longer days ahead.

The Norse in Scandinavia celebrated Yule from the winter solstice on
December 21 through to January. Men brought home logs that were lighted and a
feast would take place until the log was completely burned. Each spark from the
fire was believed to represent a new pig or calf to be born in the coming new
year.
The pagan god Oden was honored by Germans during the mid-winter holiday. Oden
inspired great fear in the Germans who believed that Oden traveled at nights
through the sky to observe people and make a decision about who would perish or
prosper in life. This belief caused most people to stay inside during the
period.
In Rome it was the god of agriculture, Saturn, who was honored in a
holiday called Saturnalia. It was a holiday that started during the week that
led up to the winter solstice and continued for a month with hedonistic
celebrations. There was plenty of food and drink and the normal social class
rules of who had privilege and power in Roman society were totally disregarded
as everyone participated in the festivities. Some Romans also had a feast called
Juvenalia to honor children and the birthday of the sun god Mithra was sometimes
celebrated by the upper classes.

Jesus: The Man And His Work.

In the early years of the start of Christianity the main holiday was
Easter. It was in the 4th Century that church officials made a decision to have
the birth of Jesus celebrated as a holiday and Pope Julius I chose December 25
as the day of Jesus' birth. The holiday, which was first called the Feast of the
Nativity, spread to England by the end of the 6th Century and to Scandinavia by
the end of the 8th Century.
Church leaders achieved the goal of having Christmas celebrations, including
attendance at church, become popular during the winter solstice, but they were
unable to control other pagan-like celebrations during Christmas. Believers
would attend church on Christmas and then participate later in raucous and
drunken celebrations. But by the Middle Ages, from around the  5th to the 16th
Century, Christianity had outgrown paganism as a religion.
The celebration of Christmas in Europe changed in the early 17th Century
when Oliver Cromwell and the Puritans gained power in England in 1645. To remove
decadent behavior from the society, Cromwell cancelled Christmas as the Puritans
noted that the Bible doesn't mention any date for Jesus' birth. The lack of this
information and specific Biblical references to Christmas is also cited by
religious groups like Jehovah Witnesses as the reason they don't observe or
participate in Christmas. Christmas celebrations returned in England around 1649
when Charles II was restored to the throne.
Christmas wasn't a holiday in early America because the Pilgrims who came
to America had even stricter beliefs than Cromwell and the Puritans. Christmas
celebrations were even forbidden in Boston from 1659 to 1681. During the same
time however, settlers in Jamestown in Virginia were reported to have enjoyed
Christmas.
After the American Revolution Christmas again lost popularity and it wasn't
until June 26, 1870 that Christmas was declared a federal holiday. Christmas in
the United States gained popularity as a holiday period during the 19th Century.
Christmas celebrations also changed at that time to be more family-centered
rather than being carnival-like.

Health And Diet During Holidays

Holidays are a perfect time to enjoy and chill out with families and friends. Parties with wide variety of food on display tempt one and all to indulge in mouth watering delicacies. If you are the kind who swears by a fitness routine, you might tend to enjoy less of yummy foods and spend more time worrying about the increasing waistline. You can still stay healthy and fit by savoring all the delicacies. Little of planning, a dash of goal setting and dose of old fashioned discipline and control over your self will let you enjoy the holiday season without any worries. Let me list down few ways wherein you can follow your diet and stay in great shape too.

- Holidays are just an excuse to go off track from your fitness program. The mindset of people is that since we follow our fitness regime all week / month / year long, we can indulge in gorging over those cakes and ice creams. Aim to stay on track with your fitness program this and all other holidays. By skipping workouts, eating more, exercising less one tends to gain weight. It’s like going back where we started off from. Make a decision to stay in shape with all the food around you.

- Holidays are a hectic time. All premeditated schedules can go haywire. To stay on track, create a work out time table listing down all the parties, dinners and so on. Keep the time table at such a place where you are forced to look at it every day. This serves as a reminder to stick to your time table religiously.

Reverse Dieting 

- If you think you would like to lose 25 lbs during holidays despite enjoying parties, set a goal much before and start working towards it. Goal can also be to gain few kilos also&#61514;.

- With so much lip smacking, gorgeous food all around, you will feel tempted to just give your fitness program. Keep one day aside where you can treat your self to all your cravings and give in to all your bingeing. Stick to your fitness program rest of the days. And don’t feel even one iota of guilt while satiating your self. Schedule your day to cheat on fitness routine when you have major event lined up.

- If you skip one day of exercise, don’t despair. Get on with it the next day. Nothing goes waste. One day of holiday in your fitness schedule should be a motivating factor for you to get back on your fitness regime.

- If you have planned a big dinner, you might tend to skip either morning or afternoon meal. Avoid changing your eating pattern. Treat the big dinner party at night just like regular dinner time and eat how much you would eat normally.

- Control food portion size in holidays. Eat your favourite foods in moderation. Overindulgence will show around your waistline.

- One always has choices, no matter where you are. Make the best possible choice based on the alternatives available in front of you. If it’s impossible, eat a small portion than a big one.

- Drink 8 – 10 glasses of water daily. Drink few glasses of water before dinner to control your appetite and not kill those hunger pangs. If you just drink and not eat a well balanced meal, you will bloat. Drink water throughout the day to maintain a steady state of hydration.

Guidelines for Sending Business Christmas Cards

Whether you own a sole proprietorship or are the CEO of a Fortune 500 corporation, sending business Christmas cards can serve to boost your customer relations and ultimately improve your bottom line. About half of all businesses send holiday cards - sometimes with unintended negative consequences. Here are some guidelines to ensure that your thoughtful gesture will be interpreted in the best possible light.

Selecting the Right Card 

Every business has an image it portrays, whether through its logo, its branding efforts, or its marketing plan. The design of business holiday cards you select should reinforce that image. If, for example, you are a stockbroker, a Wall Street winter scene might be appropriate. On the other hand, if you are a pediatric dentist, more whimsical greeting cards are in order. For most businesses, and elegant and tasteful card is always appropriate.

When it comes to choosing a greeting card company, there are many online sources for business Christmas cards. Make sure to choose one that is well established and has a track record of satisfying customers. The best online greeting card companies will send you sample cards upon request, and offer personalization, free coordinating foil-lined envelopes, and printed envelopes.

When ordering business holiday cards, keep in mind that not everyone celebrates Christmas. A card expressing "season's greetings" or "warm holiday wishes" will prevent you from unintentionally offending those who aren't of the Christian faith.

Gluten Free Christmas Cookbook 

Sending Your Cards

In business, timing is everything. Although you have some leeway in sending business holiday cards, the rule of thumb is to send them between December 1 and December 15. If you're a business-to-business company, keep in mind that many businesses close or have reduced hours during the holiday season, so make sure that your card arrives in advance of the holidays.

In order to send your holiday cards out in a timely fashion, make sure to order them early. Personalized business Christmas cards can take a few weeks to produce, so try and place your order by mid-October.

The Personalized Touch

The purpose of sending business greeting cards is to engender warm feelings in the recipient. That won't happen if your Christmas cards have address labels and are run through a postage meter. Expend the extra effort and have someone on your staff (who has nice handwriting) address the envelopes by hand. In addition, use a postage stamp instead of a meter when applying postage.

In the same vein, although you should have your cards printed with the company's name, the cards should also be signed by hand. The best approach is to have those who most closely work with the recipient sign the card by hand. If yours is a small enterprise, have a card signing party one afternoon, and have each person on your staff sign each card. This will go a long way towards making a positive impression on the recipient.

Be a Gracious Recipient

There's little doubt that your company will also receive business holiday cards from your vendors and associates. Be a gracious recipient and display the cards in your workplace. It will not only bring a bit of holiday cheer to your office, but it will also please those who have a sent a card to you and see it displayed.

Give One, Get One: Christmas Cards

Christmas is one of the best times of the year. It is anticipated greatly and loved by all. Some people begin planning for the next year's Christmas at the beginning of January. They think about the parties they will host, the people they will see, and the relatives and friends they will reconnect with. Those who love shopping hunt for the perfect gifts all throughout the year. There are many special traditions that people celebrate around Christmastime. One of the best traditions for many people is the exchange of Christmas cards.

Exchanging Christmas cards is an important part of many peoples' holiday. Because gifts can be really expensive, most people choose to send many people in their life the simple gift of a card. And what a gift a Christmas card can be. A thoughtfully chosen card with a personalized note inside makes anyone feel special around the holidays. If there are way too many people on your gift list this year considering giving unique Christmas cards instead.

101 Creative Card Sketches: A Must-have For Card Makers

If you are looking for something different or a way to put even more personal touch into your cards, try making your own Christmas cards this year. This way you can choose the papers you like, the colors your friends and family enjoy most, and you can design a card uniquely for each family on your list. Another great benefit of making your own Christmas cards is including your children in the process. Allow them to roll up their sleeves and get creative. Grandparents, aunts and uncles, and family friends will love whatever creation they come up with. Making cards yourself will allow you to save money that we all know is valuable around the expensive holiday season.

Exchanging Christmas cards can be a great way to keep in touch with friends all over the country and the world. As you have opportunities to travel and meet new friends, committing to exchange Christmas cards can be a great way to stay connected even after your travels end. It is a special thing to stay in relationship with people who all come together to celebrate Christmas each year. Rather than sending packages all around the world, you can save money, time and still be thoughtful by sending a card.

And perhaps the best thing about exchanging Christmas cards is just that: you exchange them. Not only to do you take the time and energy to prepare cards for family and friends, but you also can anticipate receiving cards from people near and far. Getting the mail each afternoon can quickly become the highlight of a families' day during the holiday season. You feel loved and valued each time you open an envelope and get to discover the unique and beautiful card that is inside. You can experience the joy and care that your friends and family experienced as they created the perfect Christmas cards for you and yours.

As Christmastime rolls around this year, take time to cherish each important person in your life by creating unique Christmas cards for each of them.