Ask a friend what resolutions they made for 2004 and your bound to hear them reply “Pay off my credit cards.” Ask them how they planned on reaching that goal and many of them will not have a clear cut answer.

The obvious first step to paying off credit card debt or paying down credit debt load is to cut back or eliminate the use of your credit cards. For some people this first step can often be the most difficult. If you’re used to spending freely with plastic and worrying about the consequences later, it’s difficult to break free from this “buy now, pay later” attitude.

To gain control of their careless credit card spending habits, some people cut up their credit cards therefore making it impossible to use them. Others lock up th The Simple $10 Debt Elimination Solution Recipe

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Are You Too Critical?

by Kathy Thompson

First of all, Criticalness breaks up more relationships, than anything else. And that criticalness is usually over the children or money!

Criticalness can be seen in eyes that slant down.

They notice anything that is out of line and can spot problems and the flaws. Yes, they are naggers, faultfinders. They cause fear in other people. They make people afraid of them.

Your son asks you a question. “What does agile mean?” And right away you tell him his shoe is untied, or his shirt is dirty, or his hair is not combed, and has dandruf. You notice things that are wrong.

Now you have a choice on how you responded to your son. That is the negative choice.

The positive use of being critical is that you see opportunities a Are You Too Critical? Recipe

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Tackle, Tackle

by Marsha Maung

I don’t know how people raise daughters because I have 2 sons. In my in-sanest moments, I have thought about having a daughter and have entertained thoughts about rushing into Toys’Rus straight to the Barbie doll section. My preoccupation with daughters is short-lived. Then I become sane all over again – I must be out of my mind thinking about having another child! No way, it’s totally, absolutely, positively, undoubtedly out of the question. I do love babies. Oh, how I do love them. Pinching cheeks is not one of my favorite things to do an infant but I sure do love the feel of their feathery skin that is layered with fine, fine hair. I can’t resist touching their bums like a lunatic.

I am quite sure daughters are fun. Sometimes I watch other m Tackle, Tackle Recipe

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Successful Childhood Learning Starts with Reading Aloud

by Brent Sitton

Popular theory in the world of education has long been that a young child is an empty slate, just waiting to have information poured into them. That theory has promoted the idea that learning by rote will make a child smarter, and thus more likely to succeed. But studies of the last fifteen years or so have turned such thinking on its ear – the new thought behind early childhood development is not to shove a book under their noses and say “learn,” rather, it’s to show your child how to learn, by reading with them, and forging not just an interest, but a real pleasure out of what the printed word can bring.

Let’s looks at an example: “The filibuster is a strategy employed in the United States Senate, whereby a minority can delay a vote on propos Successful Childhood Learning Starts with Reading Aloud Recipe

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