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Money Tip5/9/08Mother’s Day Gift Ideas Jewelry, flowers, slippers, and the occasional kitchen gadget are all mainstay Mother’s Day gifts, but they may not be what your mom most wants. Make the moms in your life feel marvelous this year without buying into the commercial hype that so often surrounds the day. In fact, the most cherished gifts are often those that cost little or no money. Here are some ideas for you to consider. Take Time. Perhaps more than anything else, mom’s value time, so a gift that gives them more of it will always be welcomed. Agree to care for the children all weekend or complete a chore that you know mom finds unpleasant—say washing the windows or weeding the garden, for example. Band Together. Take on a project as a family that you know mom wants to tackle but hasn’t been able to complete by herself. This can mean scraping and painting the fence or cleaning out the garage. You may even work together to create a meal consisting of all mom’s favorites, handling all the cooking—and the clean up. Plant a Garden. Carve out a small area and plant a perennial garden with low maintenance plants. You might even commit to helping care for it. For the mom without a garden space, bring flowering plants in pots to grace the balcony or steps or buy an inexpensive supermarket orchid. Share Memories. Pull together a small photo album filled with special family photos. Include handwritten notes from all those featured that share a favorite memory. For those too little to write or speak, include a hand or footprint. Wash the Car. If it has been awhile since mom has had her car washed and vacuumed, what a lovely little gift it would be to do it for her. Be sure to get all of those hand and nose prints from inside of the windows! American Center Credit Education—ACCE The material in this transmission is provided for personal, non-commercial, educational, and informational purposes only. ACCE makes no representations or warranties with respect to the accuracy or completeness of the contents of this transmission and assumes no responsibility for errors, inaccuracies, omissions, or any inconsistency herein. You should consult a professional where appropriate.
CWCID Success Stories I feel I am much wiser after attending CWCID along with some counseling at CCCS. It's really opened my eyes to how foolish I've been in the past with my $ and how I need to tone down my life-style and start making smarter, more informed choices. I enjoyed the class immensely. Thanks
I have just completed my reading and tests. I want to tell you that I think that this book was excellent and only wish that I would of had a book like this years ago. It has been very enlightening and I am making all four of my kids read it also, as they are young adults. I have terrible credit due to medical bills and have been paying them off for the last three years. I am almost there!!! I do not have loans, credit cards or any of that type of debt but now have a better feel on how to handle these issues when I do begin to establish my credit. I only hope that my credit can be re-established after this long haul of paying these bills off. I chose not to file bankruptcy, but rather forge ahead and do what was right and pay on them. My ex husband was ordered to pay them and never did, therefore, they came after me. Oh well, a life lesson learned. Thanks again for giving me the chance to gain this knowledge about credit as you have. It really means a lot to me and you will never know how much. My tests are in the mail today. I suffered a major setback yesterday. I was expecting a large tax refund, $5000, and I was going to use it like a consolidation loan to pay debts. I got a letter saying they [the IRS] kept it to pay for my student loans. If it weren't for this course, I would have thrown in the towel and given up. But because of being in this course, I know I can do it; it will just take a little longer. I'm a forty-one-year-old woman who has struggled financially all my working years. I always thought that living paycheck to paycheck was normal, and savings and investments were only for the rich. I learned a great deal from your workbook, Credit When Credit is Due. I wish I'd known this stuff when I graduated high school. Thanks to this program, I am going to see that all three of my teens know this stuff so that they won't make bad decisions, but rather informed ones. You as a teaching organization should get this into high schools as a mandatory if not elective class. This is what kids really need to know by graduation.
Thank you for offering this book to put our problems into perspective. I think Credit When Credit is Due will help my wife and me better manage our finances. If you have other resources available to use as a guide we would appreciate knowing about them. Again thank you for your helping us in our time of need and giving us a guide for the future.
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