http://factoidz.com/profile/sharona/ Sharon Cece articles on Factoidz en-us http://factoidz.com/teaching-kids-about-money-has-longterm-dividends-for-family/ http://factoidz.com/teaching-kids-about-money-has-longterm-dividends-for-family/ Two of the greatest gifts a parent can give to a child, next to love and encouragement, is steering them toward success and financial independence. Of course, success means different things to different people; to some, it means a career and a steady income, to others it means to be a lov... Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/small-business-purchasing-save-money-by-considering-reconditioned-equipment-and-comparison-shopping.jpg http://factoidz.com/7-tips-to-make-your-stuff-last-longer/ http://factoidz.com/7-tips-to-make-your-stuff-last-longer/ Thrifty people know how to get twice the usage out of ordinary products. Below are some ideas on how to get the most mileage out of everything from lipstick to household soap to food and even hardware: Ink Cartridges Many printers are set at a “normal&rd... Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/helpful-ways-to-save-money-during-this-hard-time.jpg http://factoidz.com/teaching-your-children-the-value-of-thrift/ http://factoidz.com/teaching-your-children-the-value-of-thrift/ One of the greatest skills you can teach your child is how to manage money and get a value for a dollar. One day, your children will grow up to become adults; frugal money management can determine whether they make it on their own in this world. Or not. At one time, certainly not during t... Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/survival-guide-for-the-stay-at-home-mom.jpg http://factoidz.com/how-to-survive-and-even-thrive-during-times-of-unemployment/ http://factoidz.com/how-to-survive-and-even-thrive-during-times-of-unemployment/ You get the call into the office; you get the box, and you head home. Along with the pink slip, you drag home a host of conflicting emotions, such as rejection, shock, and the overwhelming flurry of butterflies that accompany the walk through the front door, especially when you anticipate re... Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/is-craigslist-doing-a-disservice-to-job-seekers.jpg http://factoidz.com/ten-reasons-to-buy-everything-used-instead-of-new/ http://factoidz.com/ten-reasons-to-buy-everything-used-instead-of-new/ Don’t you love those commercials; you know the ones, where the happy family is driving away in their brand new car, joyfully buying new clothes at the mall, and running their hands lovingly over their new bedroom suite or living room furniture. Yeah baby, feel good marketing. Problem is, th... Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/five-ways-to-cut-back-in-our-household-expenses.jpg http://factoidz.com/take-the-time-to-teach-your-kids-about-god/ http://factoidz.com/take-the-time-to-teach-your-kids-about-god/ These days we're all very busy. Sometimes I wonder where I find the time to put on fresh clothes each day (answer: some days I don't). There's a list of things that need to get done; the list seems never ending, there aren't enough hours to cross everything off. There are forty fights to fig... Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/images/p/default-2.jpg http://factoidz.com/what-your-kids-really-need/ http://factoidz.com/what-your-kids-really-need/ When it comes to kids, want and need often get confused with one another. Adults can do this also, not only with their kids but with themselves. Kids need a lot of things; kids also want a lot of things. The twain should not necessarily meet. I look around, and see ... Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/coping-with-add-or-adhd-without-medication.jpg http://factoidz.com/you-vs-the-store-many-customers-lose-money-by-not-checking-receipts/ http://factoidz.com/you-vs-the-store-many-customers-lose-money-by-not-checking-receipts/ Recently I took my dog to the vet to be boarded. When I picked him up and was checking out, the total came to more than I was originally quoted. I asked the woman at the front desk to review the charges which she did, twice, and declared everything to be in order. Wh... Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/how-to-live-fulfilled-and-be-debt-free-on-a-small-income.jpg http://factoidz.com/how-not-to-install-a-ceiling-fan-a-dysfunctional-instructional/ http://factoidz.com/how-not-to-install-a-ceiling-fan-a-dysfunctional-instructional/ 1) Do not buy the ceiling fan from a store, for these come with directions and makes installing too easy. Instead, buy the fan cheap from Craigslist where you are unsure of whether all the pieces are included (this makes life exciting) or better yet, get it from the side of the roa... Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/images/post/how-not-to-install-a-ceiling-fan-a-dysfunctional-instructional.jpg http://factoidz.com/parenting-the-toughest-job-youll-ever-love/ http://factoidz.com/parenting-the-toughest-job-youll-ever-love/ I’m tired. My 13-year-old son just told me now he’s listening to Marilyn Manson. I know, I already pulled a Mike Brady on him, poor kid. Somehow we started at Manson and the influences of music and drugs ended up talking about God and the Devi... Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/a-girls-development.jpg http://factoidz.com/everything-chocolate-facts-confessions-and-a-secret-component-hint-it-has-wings/ http://factoidz.com/everything-chocolate-facts-confessions-and-a-secret-component-hint-it-has-wings/ Chocolate. Oh, decadent divine, salivatory sublime. One word, chocolate, and our taste buds swoon with previously remembered enjoyment and future anticipated delight. Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/everything-chocolate-facts-confessions-and-a-secret-component-hint-it-has-wings.jpg http://factoidz.com/teenager-a-guide-to-the-male-species/ http://factoidz.com/teenager-a-guide-to-the-male-species/ The Teenager is a member of the species “Constantlius Hungrius” which suddenly and without warning replaces the sweet, smiling child you once knew. The Teenager is a formidable animal and not to be regarded lightly. One can recogn... Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/teenager-a-guide-to-the-male-species.jpg http://factoidz.com/discipline-the-secret-ingredient-for-success-in-finances-love-dieting-health-parenting/ http://factoidz.com/discipline-the-secret-ingredient-for-success-in-finances-love-dieting-health-parenting/ I know I have your attention; I mentioned love, money and dieting in one sentence. I always t... Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/discipline-the-secret-ingredient-for-success-in-finances-love-dieting-health-parenting.jpg http://factoidz.com/the-profound-joys-of-a-simple-frugal-life/ http://factoidz.com/the-profound-joys-of-a-simple-frugal-life/ The ability to simplify means to eliminate the unnecessary so that the necessary may speak.  ~Hans Hofmann Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/the-profound-joys-of-a-simple-frugal-life.jpg http://factoidz.com/secrets-for-a-happy-marriage-a-seriously-humorous-guide/ http://factoidz.com/secrets-for-a-happy-marriage-a-seriously-humorous-guide/ On May 9, my husband and I will be married 17 years--together a total of 23 blissful, perfect, joyous, stress-free years. Before you start heaving over the boat, I’m kidding. Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/secrets-for-a-happy-marriage-a-seriously-humorous-guide.jpg http://factoidz.com/how-to-live-fulfilled-and-be-debt-free-on-a-small-income/ http://factoidz.com/how-to-live-fulfilled-and-be-debt-free-on-a-small-income/ Our society is experiencing a significant wake-up call. Credit, once considered necessary for purchasing, has become a four-letter word:  Debt. I don�... Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/how-to-live-fulfilled-and-be-debt-free-on-a-small-income.jpg http://factoidz.com/how-to-raise-a-family-and-enjoy-life-on-a-tight-budget/ http://factoidz.com/how-to-raise-a-family-and-enjoy-life-on-a-tight-budget/ It’s not easy being a frugal parent these days. Kids love stuff; expensive stuff, name brand stuff, lots and lots of pricey new stuff. Frugality runs counter to kids’ desires. Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/how-to-raise-a-family-and-enjoy-life-on-a-tight-budget.jpg http://factoidz.com/hope-and-healing-in-difficult-times/ http://factoidz.com/hope-and-healing-in-difficult-times/ One thing I have learned is this: God sees what we cannot see. When difficulties and pain through relationships or situations arise, sometimes that searing pain is necessary and healing in itself. I know that sounds counter-intuitive. Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/hope-and-healing-in-difficult-times.jpg http://factoidz.com/5-ways-to-save-money-at-the-supermarket/ http://factoidz.com/5-ways-to-save-money-at-the-supermarket/ I save a great deal of money by taking just a few moments to organize my supermarket shopping. Initially, I review at least two supermarket ads that are close in proximity to my home, for it's counter-productive to save a few dollars if you have to spent more in gas and time to get there. Once I ha... Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/5-ways-to-save-money-at-the-supermarket.jpg http://factoidz.com/common-sense-parenting/ http://factoidz.com/common-sense-parenting/ The revolutionary Thomas Paine wrote in his most famous pamphlet, “In the following pages I offer nothing more than simple facts, plain arguments, and common sense”. Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/common-sense-parenting.jpg http://factoidz.com/some-much-needed-perspective-for-parents/ http://factoidz.com/some-much-needed-perspective-for-parents/ There is one line from the movie "Ratatouille" that I love to repeat..."You know what I'm craving? A little perspective. That's it. I'd like some fresh, clear, well seasoned perspective. Can you suggest a good wine to go with that... Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/some-much-needed-perspective-for-parents.jpg http://factoidz.com/how-to-stay-sane-as-a-stay-at-home-mom/ http://factoidz.com/how-to-stay-sane-as-a-stay-at-home-mom/ Let's face it, choosing to stay home with your kids is a monumental decision. By making this choice, you forego a paid salary to take care of your family full-time. No easy task. There are a wealth of benefits in doing so (witnessing your babe's milestones, maintaining control over their love and ca... Wed, 31 Dec 1969 18:33:29 CST sharona http://factoidz.com/wp-content/themes/gabtheme/images/how-to-stay-sane-as-a-stay-at-home-mom.jpg