Another area that some people plan to improve on with the new year is to get more organized. Crystal at Money Saving Mom had recent posts with a number of free resources and organizing resources to organize your life. There are a variety of products and resources available and it is best to find resources that work for you.

Jessica at Life as Mom is offering sale prices on her organization e-books through next week.

There is also a special price on Get Organized in 5 minutes a day for a limited time.

As with other areas of your life, it works best to take small steps to change instead of making big drastic changes.

Nancy Kvamme

At the beginning of each year, many people think of it as a time to start new things or change things. Two of the most common areas people want to improve are weight loss/working out and finances.

With either area, it works best to take small steps instead of trying to make big changes overnight.

I saw a recent post on the Life as Mom blog about completing a Financial inventory. Take a look at your expenses, assets and liabilities. It may be difficult to face your finances but they will not improve by ignoring them. The sooner you take action the faster you may be able to attain your goals.

By seeing where you stand financially you can more easily take steps towards your goals. If you don’t know where you stand financially you will not know what you can accomplish. Also, by taking a look at how you are spending your money you may find areas where you can cut expenses.

Also, if you are married or in a relationship it is a good time to sit down to make sure you are on the same page with finances and your goals.

Another site with information on taking control of your financial life is Feed the Pig. Money Trail is a free online allowance and money management tool for teens and families.

Another resource is Financial Peace University by Dave Ramsey. It is a 13 week course covering a range of different areas about budgeting, spending and other topics. It is offered by many churches and other institutions around the country.

Also feel free to contact me if you have questions or want assistance with getting your finances in order, or (701) 293-8808.

If you want to learn about woodworking or have experience but do not have the tools or space to do it, there is a new business for you. The DIY Wood Studio has recently opened at 3231 4th Ave S, Studio A in Fargo. It is a membership based workshop space.

It offers state of the art, high quality power and hand tools and safety certified experienced studio technicians.

They will offer individual instruction and group classes. They are planning classes through Moorhead Community Education starting in January.

There are various packages available, unlimited at $110 per month, 20 hours a month for $90/month, 10 hours for $75/month, 5 hours for $50/month and 1 hours for $20/month.

Before starting you will be required to take a certification course that costs $20 but is good for one year. If you take the classes offered through Moorhead Community Education this is included in the course fee.

They will be having a grand opening event from 9 am to 9 pm on Saturday, January 7. Their regular hours are Monday – Saturday from 9 am – 9 pm and Sunday from 12-9pm.

Posted in Uncategorized
Nancy Kvamme

One way people are using to save money is to participate in a Pantry Challenge. They try to go a month by using items in their pantry and freezer. They do buy some groceries, but try to limit trips to the store by using things they have on hand.

This will cut down on your bills and also help you use up items before they expire. If you use a menu planning system, you can take inventory of items in your cupboards and freezer and use it to make up your menu plan.

By limiting your trips to the store, you may also limit the temptation of impulse purchases.

Nancy Kvamme

If you have kids, you are probably looking for ideas to keep them busy during the holiday break. Here are some ideas of projects to do with them, Cars Day, Winnie The Pooh Day, Homemade toys and Handprint projects

This is part of a 90 day Holiday Countdown, previous posts can be found here

Nancy Kvamme

I hope you are having the opportunity to enjoy the holiday with your family and friends.

Here is a post I wrote last year about buying holiday items you use year to year at after Holiday sales.

This is part of a 90 day Holiday Countdown, previous posts can be found here

Nancy Kvamme

Norad is one of the websites that you can use to track Santa’s progress on Christmas Eve. You can see where Santa is at by using Google Earth and the Norad website. There are also games on the site to play.

There are apps for smartphones that you can download to use the program on your phone.

Nancy Kvamme

If you still have holiday shopping to do and are planning on going shopping tomorrow, I would suggest checking the stores hours. Most stores will be open tomorrow, but many are different hours than normal

Also, on Christmas Day, some grocery stores may be open for limited hours. And if you are traveling, keep in mind that some gas stations and restaurants may not be open on Christmas Day.

Some businesses also have limited hours next Saturday for New Years Eve and Sunday for New Years Day.

This is part of a 90 day Holiday Countdown, previous posts can be found here

Posted in Holiday Planning
Nancy Kvamme

Hopefully you have your gifts purchased by now. If you do not or if you do not have them wrapped yet, here are some gift wrapping ideas.

This is part of a 90 day Holiday Countdown, previous posts can be found here.

Posted in Holiday Planning
Nancy Kvamme

Stores are usually busy with return of items after the holidays but this year there has been an increase in the number of pre holiday returns. Some speculations for the pre holiday returns are finding a better price, realizing they don’t have the money and buyer’s remorse.

Some people have purchased items and once they get home or once they start receiving the credit card bills, they decide to return the items. Others have made purchases for themselves when buying for others and then realize they did not need the personal items enough to keep them.

I realize it is important to get your family and friends gifts, but I am sure they do not want you to go into debt to buy the gifts. If your financial situation has changed you need to change your spending habits to match them before you get into considerable debt.