If your family is swamped in debt and you are trying to find a way out, you should know that just because a debt negotiation company calls itself a nonprofit, that’s no guarantee that it’s a legitimate organization.

Do you get annoyed with your children because they put off their chores, homework or whatever else they are supposed to do? You yell, you cajole or you offer rewards to them for doing what they are supposed to do anyway. Well--the problem could be staring at you in the mirror

January is Get Organized Month it is also Cervical Cancer Screening Month. What better way to start organizing your time and your life. Make an appointment with your MD and your eye doctor early in the month. Don't forget to remind vulnerable family members to make appointments as well.

Take some steps to help you achieve the goals you have set for the new year. When you make your resolutions list, your goals should be specific. Start with the words "I will".

Candles are popular, especially around holiday time. They are used in centerpieces; they are used for scent and setting a holiday or romance mood. However, they can be a potential fire hazard if not used properly. Use candles with care and keep your family safe.

People have home businesses for a number of reasons. Women often do so to make ends meet, help with expenses or are working towards a financial goal. Some simply have an urge to be a business owner.

Easy to make health and beauty products from the fruit and veggie bin and other products. Our updated list of homemade beauty products. Sugar does more than sweeten your coffee.

Buy fresh fruits and vegetables is season. Don't settle for inferior products, then throw them away because they have no taste, in essence you will be throwing money in the garbage.

Grocery shopping for your family can be difficult when your food budget is tight. The cost of food is often prohibitive to healthy eating. Learning to shop frugally and wisely can save you money and put you on the road to healthful meals.

Many of us do take the good things in our lives for granted, our mate; our children, our home, the list goes on. Most of us don't stop to think "what would happen if I lost this or that." We only think of what we have or had, when it is gone or simply diminished.