Make the most of your money with this simple step-by-step guide to creating a budget! Does opening your credit card bill make you anxious? Do you always run out of money before your next paycheck? Do you want help establishing and sticking to a budget? Budgeting for Beginners will have you paying off credit cards, setting up a budget, and sticking to it in no time at all. This pocket guide includes:  Expert advice on saving money Professional guidance on avoiding habitual budgeting mistakes A twelve-step program exhibiting how to create a reasonable budget you won’t want to break

The days and years will flash past before you know it-this beautiful gift is more than just a journal; it is a lifelong keepsake any mother will cherish forever. As an expecting or new mama, you can't be expected to organize and scrapbook every time something exciting happens! But we know you'll want to keep the memories fresh. This journal to the rescue-with simple prompts, questions, and spots to paste in photos or other items, there is no need to stress, mama! A well-seasoned mother herself, Jennifer knows exactly what's important and what you'll wish you wrote down a decade ago, and has compiled these years of expertise so it's all at your fingertips. This journal is divided into the following sections: Anticipation-This section covers everything having to do with the pregnancy, from the moment it was discovered to how it was announced, how the pregnancy went, baby showers, hopes and dreams... Arrival-Giving birth! When and where the action started, the race to the hospital, who was there and how it went, first moments together... Adjustment-What a special yet crazy time for both parents and babies; capture the early days and weeks as a parent, adjusting to that role, and the baby adjusting to life... Adventures-Pretty much everything else! A perfect gift for any expectant mama to forever remember this breathtaking journey.

At a time when environmental consciousness has penetrated the population, more and more people are wondering how to have a fun, environmentally responsible holiday season.This book tells the reader how to enjoy the Christmas season - and leave a small carbon footprint. Included is advice on how to: create less waste at Christmas by recycling; choose between a real tree and an artificial one; host a green Christmas dinner. As well as: suggestions for green gifts; online resources to have a sustainable holiday; and, tips about recycled greeting cards.The environmentally aware reader will be able to have a great holiday celebration while not damaging the planet and setting a great example.