|
|
Choosing The Right Wedding Flowers For The Season
Your wedding flowers usually tie to your wedding theme. When most of us envision wedding flowers we think of more of the traditional choices but there are literally thousands of flower choices that work very well for wedding bouquets, ceremonies,...
Fedoras & Floppy Hats - Hot Hot Hot !
For those of you that love hats you'll be in your glory - hats are hot this coming season - in fact floppy hats and fedoras are hot hot hot!! Yes there's all kinds of hats - pillbox, beret, cloche, cowboy - but what's important is floppy hats and...
Five Ways to Break In Party Shoes
1. Wear them around the house for at least 2 days, with a pair of thick white cotton athletic socks, using either sandpaper or a sidewalk to slightly scuff the bottom.
2. If they're leather, waterproof the outside of the shoes, then soak the...
It Won't Grow Back Tomorrow
I remember clearly the day that I had my ultrasound, and the technician informed my husband and I that we had a baby girl on her way to join us in this world. That very day, my husband made clear that our daughter would not get a haircut until she...
The Fisherman Sweater
The Fisherman Sweater Fisherman sweaters used to be something that were seen as items of warm and rugged work wear, but much as changed, and fisherman sweaters have followed jeans to make that transformation from work wear to a 20th century...
|
|
|
|
|
|
|
|
Resolve to Improve Your Finances in 2004
Kick off 2004 with these 7 money resolutions and get a fresh financial start to the new year. At year’s end, you’ll be surprised at how much you’ve reduced your debt load and the money you’ve saved!
1) I will create and use a budget.
A budget helps you see exactly where your money is going from week to week and month to month. Creating and using a budget, no matter what your income level, will help you reach your financial goals more easily than without one.
2) I will use my budget to help reduce my credit card debts.
Let’s say you are able to save $20 a month by budgeting your money. You could take that $20 and place it in a savings account where you would earn minimal interest. Or you could use that same $20 and add it to your budgeted credit card payment reducing your credit debt in two ways. You’ll be reducing the amount you owe your creditor and you’ll also reduce the finance charge on next month’s bill.
3) I will pay more than the minimum due on my credit card bills.
If you just pay the minimum due on credit card bills, you'll barely cover the interest you owe. It will take you years to pay off your balance and you'll end up spending thousands of dollars more than the original amount you charged.
4) I will make my payments on time and avoid late fees.
Making late payments adds to your debt load and may increase the annual percentage rate (APR) your creditors charge you. Additionally, late payments are reported to the credit reporting agencies and negatively affect your credit rating.
5) I will not use my credit card at an ATM or a bank for a
cash advance.
Cash advances on credit cards are assessed special fees and higher interest rates than what you pay for purchases made with your credit card. Creditors apply the majority of your monthly payment to your purchase debt rather than cash advance debt which increases the overall amount of interest you’ll pay to your creditor.
6) I will spend my money sensibly.
Using your budget, you may find that you’re spending a good chunk of your income on discretionary items: morning coffee and donut, a weekly magazine, fast food lunches, etc. Each purchase seems like a small amount of money at the time, maybe $3-5. But these small purchases add up quickly and amount to hundreds of dollars a year. Ask yourself if you really need these items and reduce your amount of discretionary spending. Use your savings to pay down credit card debt.
7) I will live within my means.
Are you an impulse buyer? Do you use your credit cards to supplement your income? Do you feel the need to have the latest fashions, cars, stereos, etc.? If you answered yes to any of these questions, chances are good that you are overspending. And overspending means more debt - debt that will keep you from achieving your financial goals.
© 2003, www.yourfreecreditreportnow.com
James H. Dimmitt
James is editor of “To Your Credit” a FREE weekly newsletter for consumers. You can subscribe at http://tinyurl.com/bgo9
jimdim815@aol.com
|
|
|
|
|
fashion net - the guide to all things chic |
Directory of selected chic fashion, art, luxury, shopping, and work sites. [English and Japanese] |
www.fashion.net |
  |
Fashion TV - HOME |
International TV channel dedicated to fashion, broadcasts 24 hours a day on satellites and cable systems. Site features programs and lots of info on fashion ... |
www.ftv.com |
  |
Style.com: the online home of Vogue and W; Fashion, Fashion Shows ... |
Portal of Vogue and W magazines. Detailed coverage of designer runway collections and style news with a list of job opportunities and links to other Condé ... |
www.style.com |
  |
Vogue Articles, Features, and More on Style.com |
Magazine features and articles, fashion show coverage, celebrity style, fashion trend reports, party and award show coverage, shopping guides, and more. ... |
www.style.com |
  |
Fashion for women -- fashion designers, latest trends, fashion tips |
Fashion for women: a comprehensive guide to everything about women's fashion including current fashion trends, information about fashion designers, ... |
fashion.about.com |
  |
Fashion & Style - New York Times |
Fashion & Style · Dining & Wine · Home & Garden · Weddings & Celebrations · Travel · Jobs · Real Estate · Autos · Comedy on the Hot Seat. By ALLEN SALKIN ... |
www.nytimes.com |
  |
Fashion - Wikipedia, the free encyclopedia |
The term "fashion" is frequently used in a positive sense, as a synonym for ... In this sense, fashions are a sort of communal art, through which a culture ... |
en.wikipedia.org |
  |
fashionoffice.org : trends in fashion - Europe . America . Asia |
fashion magazine - international trends in fashion, style, design, photo, film, art, beauty. catwalk TV, shows, photo stories from New York, Paris, London, ... |
www.fashion.at |
  |
Fashion, from the concrete to the catwalk | fuk.co.uk |
London designer interviews and runway archive, photo shoots, street style, weekly updated news and a fashion clinic. |
www.fuk.co.uk |
  |
FASHION Magazine |
The web component of Canada's general fashion title, with fashion, beauty, gift ideas and online competitions. |
www.fashionmagazine.ca |
  |
Telegraph | Fashion |
Fashion Director Hilary Alexander looks at an expanding market. ... Fashion 'Oscar' winner Giles Deacon is to join luxury label Daks, reveals Hilary ... |
www.telegraph.co.uk |
  |
Telegraph | Fashion |
Fashion 'Oscar' winner Giles Deacon is to join luxury label Daks, ... Buying vintage is more than a fashion trend, it's a good investment says Maria ... |
www.telegraph.co.uk |
  |
Fashion Jobs | Fashion Jobs at 24 Seven Inc. |
We're 24 Seven Inc., the number one source of fashion jobs and talent for the ... Our success at connecting the right people with the right fashion jobs has ... |
www.fashion-jobs.biz |
  |
Fashion History Costume Trends and Eras, Trends Victorians - Haute ... |
Pauline Weston Thomas and Guy Thomas place costume alongside the social history of an era, focusing on fashion from 1800. Includes undergarments, haute ... |
www.fashion-era.com |
  |
Fashion Planet: Summer |
New York-based site looks at collections, trends, personalities and global lifestyles with monthly updates. |
www.fashion-planet.com |
  |
New York Fashion -- New York Magazine - Designers, Fashion ... |
Fall Fashion. rachel weisz The Sexes Get Dressed. For her? ... Spring 2007 Fashion. philosophy and versace European Shows. The best of the big collections. ... |
nymag.com |
  |
New York Fashion -- New York Magazine - Designers, Fashion ... |
The recently maligned country struts its stuff at a fashion show in Manhattan. ... Fall Fashion. rachel weisz The Sexes Get Dressed. For her? ... |
nymag.com |
  |
Fashion Icon |
Features latest trends, dressing tips, an ask the fashion experts column, and fun craft projects. |
www.fashion-icon.com |
  |
Fashion News on Yahoo! News |
Cameron Diaz, Kate Winslet Shine at "The Holiday" Premiere Fashion Wire Daily ... JAKARTA (Reuters) - Mention the words Islamic and fashion and most people ... |
news.yahoo.com |
  |
Hint Fashion Magazine |
Hint Fashion Magazine, featuring fashion news, model pages, photo shoots, designer interviews, beauty reports, party pictures and message boards. |
www.hintmag.com |
  |
|