Categories
Frugal Homeschool Simple Living

More About Me: From A to Z

Using each letter of the alphabet, I wanted to share a little bit about my background and things that have happened in my life. A – Accent: You might not know that I have a southern accent. I was born and lived in Mississippi, so my a have a slight drawl. B – British: I love to watch British murder mysteries! C – Children: I have three adult children and they are my life. D – Degree: I have a degree in education. I earned my Masters in Ed a few years ago. E – Ehlers Danlos Syndrome: I have a genetic condition called Ehlers Danlos Syndrome. I’m hypermobile and my connective tissue is abnormal. F – Flute: I played flute for 40 years and loved it, until my fingers could no longer work well. G – Grandparent: I love being a grandparent! H – Homeschool: I homeschooled my children for over 20 years. I – Introvert: I am one and that’s fine with me. J – Jazz: I enjoy and can relax listening to progressive jazz music. K – Kindergarten: My childhood dream was to become a kindergarten teacher. L – Learner: I consider myself to be a lifelong learner. Researching new topics is one of my favorite things to do. M – Motherhood: Being a mother has been my life’s calling. It’s the hardest job I’ve ever done, but I wouldn’t change it for anything else. N – Natural: I use more and more natural products as I try to remove toxic chemicals from my home and life. O – Organist: I’m not a great organist, but did take lessons in college. P – Pianist: I do have a degree in Piano Performance. I wish that I could still play, but it causes me too much pain. Q – Quiet: I’m a quiet person, typically. I prefer to listen. R – Retired: I retired, after teaching music for 25 years. S – Sarcastic: I inherited a sarcastic tone, but I’m trying not to be. People who know me aren’t bothered by it. T – Teacher: I come from a long line of teachers. In my family, my grandmother, aunts, mother, sisters, and son are teachers. U – Unlikely: I’m a person who would be unlikely to live a simple life. I craved competition and business when I was younger. V – Vanilla: My favorite coffee drink is a Soy Vanilla Latte. W – Warrior: I’m a chronic illness warrior, meaning that I fight hard to live life to the fullest with many chronic illnesses. X – Xerox: I’m so old that I used to say, “We need to Xerox it” (Meaning that we needed to make a copy of it. Y – Yardwork: Yardwork was one of my favorite things to do, before my pain got too severe. I love digging in the dirt. Z – Zebra: Zebras are the icon/mascot for Ehlers Danlos Syndrome. The reason for this: Doctors are taught that if they hear trotting it will be horses, not zebras. This means that they shouldn’t look for something rare. But, EDS is rare. I hope you’ve learned a little more about me. Who we are will influence what we write and how we look at various topics. I hope to learn more about you, too. Share often! @2020, copyright Lisa Ehrman

Categories
Reviews

Try Irwin Naturals CBD For Free

This post is sponsored by Savings.com Natural Health products are more popular than ever and CBD products are now plentiful and used by millions of people. If you haven’t tried CBD oils, here’s your chance to try Irwin Naturals CBD for free with any purchase! Irwin Naturals is a family-owned company that has been sharing natural products for 25 years. They are committed to producing the best in CBD products: CBD oils, soft gels, and topical balms. I’ve been eager to try CBD to help with my chronic pain. I’ve had a great experience using a roll-on gel for pain in my back. Now, I can’t wait to take oral CBD products. Irwin Naturals is an innovative supplier and you’ll find that they do Third-party testing, which is the mark of top-quality CBD products. For those of you new to the CBD name, this means Cannabinoid. This oil is a Full-Spectrum product, derived from the Hemp plant and contains none of the THC. THC is what produces a “high effect”. So, with CBD you will have nothing but the plant extract that is helpful. Cannabinoids act on the endocannabinoid system, which regulates pain, mood, memory, stress-response, immune function, sleep, appetite and a host of other things.  Irwin Naturals offers three ways to consume CBD: Liquid Soft-Gels – Full spectrum hemp oil in a soft-gel is the easiest way to take CBD. All you need is to swallow the soft-gel and it goes through your digestive system. You’ll get an exact amount of CBD. With soft-gels you won’t have the hemp taste. There are 15 varieties of CBD soft-gels for you to choose from. Topicals – Irwin Naturals topicals will allow you to apply CBD directly onto your skin, scalp, and hair. Endocannabinoid receptors are in the skin, so you can absorb the CBD directly. You can get 250mg, 500mg, or 1,000mg strengths. CBD oil liquid tinctures are available to consume directly. They come in a bottle with a dropper. You can take them orally alone or place them in a drink, such as tea or coffee. These are so easy to adjust the dosage that you prefer. There are two different concentrations, 250mg and 1000mg, and 5 different flavors, including Unflavored, Peppermint, Chocolate Mint, Lemon and Tangerine. If you have more questions about CBD, check out this FAQ page on the Irwin Naturals website. Try a FREE bottle by: Redeeming the coupon code VPJOINT14 for a free bottle of CBD+Joint Health ($42.99 value) with any purchase at IrwinNaturals.com. Offer ends 3/8/20 or while supplies last. Open your Valpak envelope for more details! These statements have not been evaluated by the Food and Drug Administration. These products are not intended to diagnose, treat, cure, or prevent any disease. @2020, copyright Lisa Ehrman

Categories
Frugal Moms Parenting

Mother Daughter Journaling

Mother daughter relationships grow strong with open communication. Journaling can be one beneficial method to grow healthy relationships.

Categories
Frugal Reviews Simple Living

How To Save For An Emergency Fund

There are many different numbers out there, but the consensus is that too many Americans have no emergency fund. With many living paycheck to paycheck, an emergency savings fund is not available to them. This can lead to a real crisis of the budget and future ability to live with financial stability. But, the good news is that there are many ways that most people can actively save enough money to have an emergency fund. Here are some methods to use if you need to have a savings for emergencies. Get out of Debt It’s hard to utilize many savings methods, if you’re carrying credit card debt. Stop spending on the card and work to pay down the debt. Then, you can improve your credit rating and qualify for a cash back rewards card. Credit cards should be paid in full each month. Stop eating out Purchasing lattes or even visiting the vending machine can add up. Save the money from these types of purchases and you’ll be able to save quite a bit of cash for your emergency savings fund. Make your own coffee at home and take it with you. Bring your own lunch from home, so that you don’t take your lunch break to dine out. Cut back on high utilities Can you lower your thermostat or hot water heater temperature? Just a few degrees can help you to save on the utility bills. You can personally negotiate with internet, cell phone, and cable bills. You can also join a company like TRIM, who will negotiate your bills for you. Trim negotiates cable, internet, phone, and medical bills, cancels old subscriptions, and more. It’s free to sign up, and if they save you money you’ll be charged a 25-33% charge of the total they saved you. You’ll still come out ahead. Use an App to round up your spending An app, such as Acorns or Qapital, will help you to save when you make a purchase. If you spend $2.50 on a purchase, the app will round up the amount to $3.00 and put $.50 in savings. This will add up just as you could put your change into a jar at home each evening. Sign up with Swagbucks and your Acorns subscription will get you 1350 SB ($13.50 in gift cards) Sell Things What could you sell? Most of us have unused items that could be sold for cash: old exercise equipment, nice clothing, books, collectables, instruments, and such. Using Facebook marketplace, Craigslist, or Ebay you can sell many possessions for cash. When you’ve made some changes to your spending, then you’ll see the savings grow. Research the best savings account in your area or online and place your savings there. Try to choose an account that offers some interest to help the emergency fund grow faster. Get out of Debt It’s hard to utilize many savings methods, if you’re carrying credit card debt. Stop spending on the card and work to pay down the debt. In addition, find out how using a personal loan to consolidate debt can help you. Then, you can improve your credit rating and qualify for a cash back rewards card. Credit cards should be paid in full each month. I hope this list will inspire you to start or boost your emergency fund. What is your best tip for saving money? @2020, copyright Lisa Ehrman

Categories
Homeschool Moms Reviews

Canada’s Best National Parks

Canada’s Best National Parks  Canada is home to four dozen national parks and reserves, which protect important geographical features, land, and marine habitats, and sites of cultural significance. With so many spectacular offerings, without unlimited time to spend, it can be hard to decide which ones to visit.  Each park offers something unique but most are densely forested with mountainous landscapes, numerous lakes, and rivers. Nearly half border an ocean or one of the Great Lakes and almost all can be explored by kayaking, hiking, and biking in the warmer months, with winter bringing opportunities for snowshoeing or backcountry skiing. To experience the best of the best, consider visiting one or more of these. Gros Morne National Park, Newfoundland and Labrador Located along the west coast of the easternmost province in Canada, Gros Morne may be the most spectacular national park you’ve never heard of. Covering nearly 700 miles, including beaches, freshwater fjords, waterfalls, dense forest, and the Long Range Mountains, it’s a nature lover’s dream. There are miles and miles of scenic trail to hike and an abundance of wildlife to spot, with around 7,500 moose, one of the world’s highest densities of the animals, along with  black bears, caribou, and arctic hare. Other than hiking and backpacking, the Western Brook Pond tour is one of the most popular attractions. A two-hour boat trip will bring you through the vast, billion-year-old cliffs dotted with magnificent waterfalls that plunge into the park’s largest lake. Cape Breton Highlands National Park, Nova Scotia Visit this Atlantic Canada national park and you’ll be immersed in stunning beauty. Cape Breton is home to one of the world’s most breathtaking drives, the 185-mile Cabot Trail which winds alongside ocean cliffs through soaring green mountains and forested river canyons. There are endless trails if you want to get out and explore, including treks with ocean views for spotting wildlife like dolphins, seals, bald eagles, and puffins. Minke and finback whales arrive in May, followed by humpbacks in June – the animals stick around to feast throughout the summer season, and into early fall. Banff National Park, Alberta Banff is one of Canada’s most-visited national parks, and it’s also its oldest as the first to open in 1885. Nestled in a valley that’s enveloped by dramatic mountains, jewel-hued lakes, rugged canyons, and hot springs, if you’re fortunate enough to buy one of the Banff houses for sale, you’ll truly be living in paradise. Ride the Banff Gondola for a bird’s-eye view over the clandscape, including magnificent Lake Louise, and enjoy everything from hiking, climbing, zip-lining, and biking to caving, fishing, and whitewater rafting on the Kicking Horse River. Pacific Rim National Park, British Columbia Located on Vancouver Island in Canada’s westernmost province, Pacific National Park is made up of three units, the Broken Group Islands, West Coast Trail, and Long Beach, each offering a distinct experience of its own for visitors. Long Beach, a 10-mile strip of undeveloped coastline, sits against a backdrop of a rainforest with mountains beyond, popular for beachcombing, surfing, and wildlife watching. Gray whales, humpbacks and orcas all pass by the southwestern coast of the island. Further inland, keep an eye out for bears, wolves, and cougars. The West Coast Trail is a historic 47-mile route featuring beaches, waterfalls, and sandstone cliffs, while the Broken Group Islands are ideal for sea kayaking and wilderness camping.

×