Holiday Shopping This Year?! Tips!

Holiday Shopping?! Quick Tips on Saving this Year Friendly Reminders

Start saving Early. There’s no better time than the present to start saving money for the holidays. No matter when you start saving, think about opening a holiday savings account that you can deposit money into all year. 

Set a realistic budget. Figure out exactly how much money you have to spend. And don’t forget to factor in wrapping paper, holiday cards and postage. The little extras that are often forgotten are just the things that can throw your entire budget off track if you’re not careful.

Make your holiday shopping list. After your budget has been set and you’ve started saving, it’s a good idea to create a list of everyone you intend to buy for. Don’t forget to include items like hostess gifts for parties you’ll attend, a gift for your boss and that family gift exchange you’re included in year after year. It also may be smart to purchase a few small gifts for surprise visitors or a last-minute party. Once you’ve made your list, keep it handy so you can refer to it often. The list will help you stay on track and keep you from forgetting anyone. 

Do your homework. There’s nothing worse than buying a gift at full price, only to see that another retailer is selling it cheaper. Before you hit the stores, do your homework and compare prices for the gifts you know you want to buy. From newspaper ads to online shopping that offers free shipping and other holiday deals, do your research and create a “plan of attack” to help your money stretch.

Count down to the holidays. There’s no better motivation to get your holiday shopping done on time than to make a countdown to the holidays and put it somewhere you can see it. That way you’ll always know exactly how long you have to finish shopping and get gifts wrapped and sent, if needed.

Get a head start. It’s much easier to make smart choices with your money when you’re not waiting until the last minute to shop. Procrastinating only promotes rushed shopping, overspending and buyer’s remorse as the guilt of going over budget sets in. So, get a head start and begin your holiday shopping early enough to take your time and make smart choices.

Be thoughtful. When in doubt about a gift to give, get creative and be thoughtful. Think about your most cherished gifts throughout the years. They’re probably some of the most thoughtful gifts you’ve received. For instance, a scrapbook of shared memories or an appreciation book may take a little more effort or time, but they’re certainly thoughtful and creative. And they’re often less expensive, too.

If all else fails, give a gift card. If you’ve had trouble finding the perfect gift or you simply run out of time, give the gift that everyone’s sure to enjoy. A gift card is the ideal gift for anyone on your holiday shopping list. 

Make a payoff plan. If you were able to save some money throughout the year to help lighten the financial burden when the holidays roll around, great. If not, make a plan to pay off the money you’ve spent once the new year arrives. It’s important that you set a financial strategy that works for you and your budget.

Ready, set, shop. After you’ve made your list, set your budget and done your homework, you’re ready to shop until you drop. It’s a great feeling to hit up the stores you need and start checking items off your list. And remember, the holidays are a great time to take advantage of price-match guarantees, free shipping and other end-of-year deals. 

These holiday shopping and savings tips are sure to help you slow down and enjoy the holidays for what they’re meant to be – a special time to spend with your loved ones. Avoid holiday hassle by finding a bank that offers the flexibility you need to help keep all of your finances in order - during the holidays and the rest of the year.

Happy Holiday Shopping!!!

holiday

Prayer against Attacks?!

1. A Prayer to Guard Your Heart

Lord God, Captain of my heart, Satan knows if I follow Your Greatest Commandment to love You with all my heart, soul, and mind (Matthew 22:37) he is powerless over me. Guard my heart, Lord Jesus, so that it beats for You alone. Don’t let me grow complacent toward You or be lured to love anyone or anything more than You. Remove the idols from my heart so that You alone command my allegiance and utmost affections Help me to love and forgive others as You have forgiven me so the enemy can get no foothold through hate or bitterness on my part. Cultivate in my heart Your love that “bears all things, believes all things, hopes all things, endures all things” (>1 Corinthians 13:7  Finally, Lord, set my heart on things above, not on earthly things. Help me to remember that You died for me and my life is now hidden which Christ in God (>Colossians 3:1-2). Increase my longing for heaven so this world holds no power over me.   

2. A Prayer to Defend Your Mind

Almighty God, cover my mind with the helmet of Your salvation, reminding me constantly that I am Your child and the enemy can’t mess with me. Fix my thoughts, Lord Jesus, on what is true, honorable, right, pure, lovely, and admirable. Help me to think about things that are excellent and worthy of praise so Your peace will guard my mind (Philippians 4:8-9). Don’t let me copy the behavior and customs of this world, but transform me into a new person by changing the way I think. Then I will learn to recognize Your will for me which is good and pleasing and perfect (Romans 12:2.  Saturate my mind with Your truth so I am convinced that the answers are found in Your Word, not out in the world. 

  3. A Prayer to Calm Your Emotions

Lord, keep the enemy at bay by calming my emotions with the peace of Your presence. Help me to follow Your command and not worry about anything, but pray about everything, with a thankful heart offering up prayers and requests to you so that You can give me that peace that no one can completely understand – a peace that will control the way I think and feel (Phil. 4:6-7, Remind me, daily, that You are the Only One who can meet my emotional needs so I don’t look to any person for my identity, validation, or for my love tank to be filled. Thank You that You are the God of peace, the God of order, the God who heals my wounds and helps me sort through and make sense of life. You are not the God of chaos or confusion. Fill me with Your Spirit so I may express to others only love, joy, peace, patience, kindness, goodness, faithfulness, gentleness, and self-control (Galatians 5:22-23). 

4. A Prayer to Cover Your Mouth

Lord, Jesus, guard my mouth so that my words will be few. Help me to be quick to hear, slow to speak and slow to anger (James 1:19). Don’t let me speak reckless words that can pierce like swords. Instead, give me a tongue that brings healing (Proverbs 12:18). Don’t let me give in to gossip or speak careless critical words that will wound others. Keep the enemy far from me so that no unwholesome talk comes out of my mouth but only what is helpful for building others up, according to their needs, that it may benefit those who listen. Don’t let me grieve the Holy Spirit through my words (Ephesians 4:29-30). 

5. A Prayer to Protect Your Body

Lord, I give my body to You. Let it be a living and holy sacrifice, the kind You will find acceptable (Romans 12:1, I  know from Your Word that Satan can not sift me like wheat or even lay a hand on me without Your permission. So place Your hedge around me so that my body – Your temple – can be preserved, pure, holy, and healthy for You (1 Corinthians 6:19-20). Block Satan’s attempts to make me doubt that I am “fearfully and wonderfully made” (Psalm 139:14) and don’t let me listen to his taunts to harm my body through neglect, contempt, addiction or abuse. I am Yours, Lord Jesus, and I want to glorify You in my body so keep me from Satan’s attempts and the temptations in this world and in my flesh to make me impure, to dress immodestly, to make my body a showcase or advertisement for evil or self glorification. 

As you pray that God will develop the fruits of His Holy Spirit in every area of your life, you will be invincible through prayer to the one who seeks to tear you down and make you less like Christ.

 

Whos coming First?! Christ or antichrist?

“Put on the full armor of God so that you can take your stand against the devil’s schemes. For our struggle is not against flesh and blood, but against the rulers, against the authorities, against the powers of this dark world and against the spiritual forces of evil in the heavenly realms. Therefore put on […]

via Put on the full armor of God (AntiChrist) — Im ashamed to die until i have won some victory for humanity.(Horace Mann)

Stay Positive in A Negative World

If you haven’t noticed that we live in a negative world, you just haven’t been paying attention. Whether it’s social media, news outlets, movies or just mainstream society there are countless number of negative images displayed in the world today. These negative influences have been especially evident during the past couple of years with the […]

via Staying Positive In A Negative World — Jay Colby

FRESH MARKET SEASON

JULY: Beets, Blackberries, Blueberries, Broccoli Carrots, Cauliflower, cherries, collard greens, currants, dandelion greens, gooseberries, kale leeks, peas, peppers, plums, potatoes, purslane, radishes, raspberries, scallions, summer squash, strawberries, Swiss chard, tomatoes, turnip greens, herbs: chives

AUGUST: Apricots, blueberries, cabbage, corn, eggplant, fennel, garlic, grapes, peaches, pears, peppers, plums, potatoes, raspberries, shallots, shell beans, swiss chard, tomatillos, tomatoes, turnips, herbs: basil, cilantro, epazote

ALL SEASON : beans, cucumber, onions, herbs: lovage, mints, oregano, parsley, sage, savory, tarragon, thyme, various edible flowers

CHECK OUT  LOCAL FARMS & FARMERS MARKETS. SUPPORT YOUR LOCAL FARMERS MARKETS.

FARMERS

 

Let’s be more grateful today.

While you’re having your first cup of coffee, sit back and think of the things that you’re thankful for.
The aroma of the coffee;
That first sip of coffee;
The beautiful morning;
The beginning of a new day full of promise;
The quiet just before the day officially starts.

Grace Before Meals. Giving thanks before each meal recognizes all of the people whose hard work was necessary for you to have food on your table–everyone from the farmer who grew the food, and the person who cooked the meal.
It’s a moment to pause and be mindful, as well as feel blessed that you have all of the food and nourishment that you need.

Things You Take For Granted. Imagine losing some of the things that you take for granted, such as your home, your ability to see or hear, your ability to walk, or anything that currently gives you comfort. Then imagine getting each of these things back, one by one, and consider how grateful you would be for each and every one.

Obviously, things won’t always go your way. However, gratitude isn’t an emotion that is reserved for those moments when you get what you want. When things go wrong you can use the power of gratitude to release some of the negative emotions that you may be feeling due to the failure or setback that you just experienced.

After a negative event put things in perspective by remembering that every difficulty carries within it the seeds of an equal or greater benefit. When faced with adversity, ask yourself the following questions:
“What’s good about this?”
“What can I learn from this?”
“How can I benefit from this?”
“Is there something about this situation that I can be grateful for?”

LETS BE GRATEFUL TODAY! SEE WHATS THERE, INSTEAD OF WHAT ISNT!

grate.jpg