We’ve all seen how stuffed our mailboxes are each day with junk mail. Advertisements, coupon books, postcards, brochures and the like break the backs of our local postal delivery people each day across the nation. Each year, junk mail costs the environment approximately 80 million trees and 28 billion gallons of water. It also costs about $450 million each year to have it hauled off, incinerated or recycled. On average that means that about 34 pounds of junk mail is produced each year for every man, woman, and child in the United States. And if you factor into this equation that each person will spend approximately eight months out of our lives dealing with junk mail, and you have a huge sum of wasted time, money, and valuable resources. But you shouldn’t feel powerless to stop it. There are steps you can take to tame the junk mail beast.

The Direct Marketing Association (DMA), the largest list broker in the US, sells your name and address to those wanting to target you for their product. Contact them directly with a postcard that contains the date, your name and address, and sign it. Be sure to include all variations of your name, and your maiden name if you’ve recently married. Instruct them to remove your name from their mailing lists. Send the postcard to:

Direct Marketing Association
Mail Preference Service
P.O. Box 643
Carmel, NY 10512
Tel: 1- 212-768-7277
www.dmaconsumers.org

Be careful when you do submit your name and address to anyone, as you can become part of their mailing list which might be sold at a later date, putting you right back at square one. If you’re filling out a form such as a warranty, subscription, raffle, customer info card, credit card application, membership for an organization, be sure to instruct them not to sell, rent or trade your name or address. Remember to do this every time you’re giving your contact information to a sales representative or customer service associate when you purchase something.

And when you receive an unwanted publication in the mail, immediately contact the toll-free number listed on the publication and request to be removed from their mailing list. Businesses and organizations are glad to hear from you if you’re not interested in receiving their materials because it saves them advertising revenue.

Keeping your swimming pool nice and clean is easier than ever these days due to the ever increasing amount of quality cleaning accessories. There are many tools to choose from, including skimmers, brushes, and vacuum heads. These tools make pool maintenance easier than ever, meaning that you can spend more time swimming and less time cleaning.

The more specialized tools that are used to clean swimming pools include leaf skimmers, leaf rakes, brushes, corner brushes, pool sweeps, grids and cartridges for the filter, motors and pumps, pool filters, and many more. Most of these accessories are a must have, especially for those who have trees around their pool. Leafs in the water can be very annoying and distracting, and should be removed on a frequent basis.

The biggest aspect to keeping your pool nice and clean is to make sure that the care of your water is always up to date. There are many water care products that you can buy, including balancing chemicals, sanitizes, chemicals to treat algae, stain treatment products, water testing kits, and saltwater systems. Normally, chlorine is used as a sanitizer, as it helps to get rid of and prevent any organic material that exists in the water.

By using chlorine in your pool, you will greatly reduce the load that organic material puts on the filter. The regular maintenance of your pH balance and the right levels of alkalinity are also very important to keeping your pool clean. You should also make sure that you check your calcium as well. The pump that you use is also important, as it will prevent the waste of energy. To make things easier on yourself, you can get an automatic pool cleaner that will do just about everything for you.

To get the right amount of chlorine feed, you’ll need to use hand feeding or tablet feeding. This will ensure that you get the right amount of chlorine in the water. Chlorine is also important for protecting skin, although you should try not to swallow water that has chlorine in it. There are saltwater chlorine generators out there as well, which are one of the most popular ways to get the right amount of chlorine in your water.

As long you use the proper cleaning supplies and products with your pool, you’ll be able to enjoy fresh and clean water whenever you decide to go swimming. Keeping your water clean is also healthy for your skin, and anyone else who gets in your pool. You should always make sure that you have cleaning supplies on hand, and check your water on a frequent basis. You can get a pool testing kit for a little of nothing - which will more than pay for itself when you decide to check your water.

[tag]clean swimming pools[/tag]

Households are bombarded with paper on a daily basis. Bills, statements, pay stubs, calendars, schedules, menus and permission slips seem innocent enough individually, but when joined with the other piles of unattended paperwork, they can form an army that overwhelms even the best defenses. But you shouldn’t feel defenseless against this persistent warrior. With an organized plan of attack and some disciplined strategy, the paperwork enemy can be conquered and tamed.

First of all, take a look at the type of paperwork that’s overwhelming you the most. Is it those bills that go unpaid when you can’t locate them? Is it the mounds of artwork your children have lovingly created and decorated your refrigerator with? Maybe it’s the constantly changing soccer schedule or troop meetings.

Once you determined the most invasive paper culprit or culprits, it’s time to line them up and sort them out. A successful filling system has three main components. A file for those things that need to be acted on immediately, one for those that are part of a household’s ongoing management, and one for those that are more infrequent but nevertheless crucial, such as tax records, insurance policies, wills, and home maintenance documents.

When conquering the paperwork monster, make a promise to yourself to deal with each item the first time you handle it. Get out of the habit of rifling through your mail and tossing it aside. Set aside time each day to open mail, go through paperwork in your inbox and sort and file appropriately. Decide if each item is something to be paid, something to be done, or something to be filed. At the end of each week, take out each file and respond appropriately by paying the bill, responding to the request, or moving items that need to be filed into their permanent locations. Of course, if you know something is urgent and can’t wait until week’s end, clip it to the front of your file box or place it in front in a folder labeled Urgent and act accordingly.

Save telephone time by keeping calendars, schedules, take-out menus and phone lists into clear page protectors in a 3-ring binder. Flip through the household notebook to quickly check meeting dates or find phone numbers. Create your own forms, or use our free printable Household Notebook forms. This is also a great place to put correspondence addressed to the entire family. Organize magazines and newspapers into baskets kept near couches and living room chairs for people to look at during their free time. Be sure to keep in the habit of sorting through this on a regular basis and filing those magazines you decide to keep and tossing old newspapers and magazines you wish you toss.

Saving money and financial management is very crucial in one’s life. Money is very important in order to survive in this world but only a few people know how to manage their household budget properly. Many people have a hard time saving money even if it is for their own good.

Most of the time, you may be motivated to save money but there are times when temptations come your way and before you know it, you have already spent the amount that was supposed to be added to your savings account. Here are some helpful tips on how you can avoid temptations and be able to save money:

1. Try hard to avoid those things that keep you from saving. If you are fond of buying shoes even if you don’t really need them, try very hard to stay away from them. Keep yourself away from shoe stores so that you will not be tempted to buy one.

2. When going to grocery stores. Always bring the exact amount and bring with you a grocery list. If you have limited money in your pocket when in grocery stores, you will be forced to buy only those important things that you need. Preparing a grocery list will also help you get organized and will help you in deciding the things that need to be prioritized.

3. Go to the malls only when needed. Do not go shopping if you do not need anything important to buy. Window-shopping will only tempt you to buy the dress you saw in the boutique even if you don’t really need it.

4. Do not bring with you your credit cards all the time. Having a credit card in your pocket will only tempt you to buy things that are not necessary. This will also help you lower your balances and have a good credit score.

5. You may want to save money in the bank or invest in time deposits. You will not be tempted to get money from the bank every time you need cash, if they are placed in a time deposit account.

6. You may also want to consider consulting a financial advisor. There are a lot of programs that offer these services for free. They may be able to help you and give you advice on how you can avoid temptations and save more money.

Your living room is the room in your house where most of the living takes place. It’s where your family gathers to watch television, read, and generally unwind and relax after a busy day. It’s also the room where company gathers during parties and holidays. But you’re struggling to come up with decorating ideas and strategies for it, and you worry that your budget isn’t big enough to do the job justice. But with a little planning, creativity, and ingenuity, your living room can be a relaxing environment where you can unwind or entertain with comfort and ease.

Consider pulling pieces you have in other rooms into your living room to use. A short, double-sided dresser can easily become a buffet when a table runner and an arrangement of candles or a colorful flower centerpiece is placed on top.

Use your furniture arrangement to define functional areas. Strategically placed floor rugs, lamps and furniture can create zones in your home. You can arrange your seating to take advantage of a focal point, such as a television, picture window or a fireplace. You can also find affordable component pieces that combine functional storage with fashionable decorating lines. Tables with drawers and shelves add valuable, and a simple desk doubles for homework, household management, bill paying and filing.

When accessorizing your room, remember that less is more. Choose neutral colors and accent with colorful textured throws, rugs, and other decorative and artistic elements. Keep the balance of your room in perspective. You don’t want to overwhelm a small room with large, bold pieces, nor do you want to place smaller, neutral pieces in a large room where they’ll get lost.

If you’re working with used furniture, try distracting from worn upholstery or a faded finish by using colorful toss pillows or table runners. Bright curtains can distract from a faded carpet and breathe new life into an old room.

Parents mostly complain that teenagers do not listen to them. The opposite is true when it comes to advice regarding ‘money matters’. Teens actually welcome their parent’s input about their finances.

In the past few years, teenagers have earned billions of dollars with part-time and summer jobs.

Some have spent most of what they earned, while others saved most or even all of it for a big purchase, or for their college education.

Kids these days are becoming more and more aware of their family’s source of income and financial status. They apply these money-spending principles when they venture out on their own.

Thus, it becomes more of a parent’s responsibility to start “training” their teenage kids to use their money wisely.

Here are some ways on how you, as a parent, can teach your teens to save those hard-earned bucks:

1. Lead by example.

With your lifestyle, the children will see how you spend your money.

If they see you allotting a certain amount for a specific household need, they will eventually do the same when they get to earn their own keep.

2. Help your teens get a bank account.

Establishing a bank account under their name would give them an instant financial responsibility.

Sit down and explain to them how to manage their own account, and the “rewards” that they get once they save enough.

Their savings could go to their college tuition, or a big purchase like a car.

Additionally, it gives them a sense of accomplishment once they have saved up, with something concrete to show for it.

You may check out the special benefits that banks offer for teens who open their accounts at such an early age.

3. Construct a “spending plan”.

Once they hear the word ‘budget’, teens tend to cringe at the mere thought of having to restrict the spending of their money.

Instead, you and your teen son or daughter could build a “spending plan”. This would get them excited, and think of ways on how they can wisely spend their savings.

Also, have them list down their earnings versus their expenses.

Let them know the difference between the items that they need and the luxury items that they want, which they can actually do without.

4. Make a “mock” investment in the stock market.

Make them aware of the options that they have financially.

Casually introduce to them the business part of your daily newspapers and have them make “mock” investments for companies who manufactures products that they like.

Monitor the stocks together and this would give them another option of investing their money in the future.

It is easy to get caught in the rush of things when you are in college. In the midst of studying, part-time jobs, socializing and extracurricular activities that you have, you are most likely to forget one of the most important things, which is straightening out your finances.

Here are some tips on how you can save money as a student:

1. Plan ahead.

If possible, do this even before you move into your dorm room.

Check if you are eligible for scholarships and other grants before signing up for any form of student loan.

Construct a cash flow. First, where do you expect to get money from? Make a list of your “income”, be it from your parents, your student loan or your part-time job.

Then forecast your expected monthly or weekly expenses for food, books, etc. Once you have set aside a budget, be strict with yourself and stick to it.

You will never know what unexpected expenses would come your way so it is better to have a downfall for financial emergencies.

2. Save on food.

One of the major expenses that you have as a student which you might have ignored when you were still living with your parents is your food allowance. Avoid eating at fast food outlets, as this is most likely to ruin your budget. Pack your lunch and plan your meals as much as you can.

3. Take full advantage of student discounts.

Those ID’s in your wallet are not just for show. Student ID’s and memberships in organizations are honored in several establishments which offer discounts.

Also, patronize a certain establishment regularly and you are bound to get bonus cards for being a loyal customer.

4. Use your cash as much as you can.

Since you already have a draft of the items where you will spend your money, it is easier to monitor your cash flow. Avoid using your debit card when you have cash with you. Use your credit cards or write checks only in emergencies. Having debit cards, credit cards and checks handy might lead you to overspend.

5. Keep yourself busy.

Join clubs according to your field of interest.

Keeping busy will let your mind wander and help you stay away from things that you are likely to spend money on when you get bored. Examples of these are snacks, movie tickets or game rentals.

You will be surprised at the amount of money that you will actually save by spending less on luxury items, following your budget plan and saving for financial emergencies that you are most likely to get as a college student.

Chaos and a hectic pace seem to be par for the course in most anyone’s workday, and it can turn your workday upside down if you let it. However, with some careful planning, efficient scheduling and well-developed work habits, your workday can smoothly sail along.

Planning your workday actually starts the previous evening. Take a few moments before you leave work to jot down important meetings, phone calls that need to be made or returned, ideas or concerns that need to be discussed with your supervisors or co-workers, or other notes to yourself about projects you’re working on or clients you’re currently working with. That way, it’ll be right there for you to see the next morning, and it’ll make getting into the swing of things much easier.

You should stay on top of your both your desktop and electronic inboxes. Check e-mail when you arrive, and immediately sort each message into an appropriate folder. Even if you don’t have time to deal with the contents of a message or even read it fully, sort it for later action. Sort through and organize regular mail and correspondence as well, and organize into piles for later action if necessary. Make sure you come back to these at the end of the day and take any appropriate action or you can at that time. Try to make it a habit of responding promptly to all mail requesting a timely response. Check through these inboxes during the course of the workday as well.

Return or make your most urgent and important phone calls early in the day. Like you, most people are more likely to be at their desks during this time.

Get in tuned with your personal energy level and schedule. If you have more energy at the beginning of the day, tackle your toughest projects then. If your energy level dips after lunch, take care of filing, e-mailing or other general tasks at this time.

At the end of the day, return to your checklist and prepare for tomorrow. Review your checklist and cross off completed items. Move any pending items to tomorrow’s to-do list.

Utilize both an electronic and wall or desk calendar to keep track of deadlines, meetings, and appointments. If your day allows, try to work on those long-term projects a bit so that as their deadlines approach you won’t feel so pressured or rushed.

Most importantly, take a break. Don’t get into the habit of having your lunch at your desk or cutting your breaks short. A walk during your break and time away from your desk to recharge are probably the most important things you can do for yourself to recharge your battery, clear your mind and prepare to tackle the tasks at hand more productively and efficiently.

For some, the idea of a budget is often a blur. It is frustrating to see how hard it is to do a budget and realizing that with one wrong purchase, you can actually ruin the entire thing. And this has been a perennial headache for most homemakers.

It is about time to overhaul the way people look at budgeting. It can actually be a great way to keep track of your family’s expenditures and help you evaluate the things that you spend the lion’s share of the family’s earnings on.

What is a budget? A budget is a tool for handling your finances by controlling the family’s expenditures in a way that money is enough for paying up bills, and still ensuring that savings are set aside for future expenses - vacations, or children’s education, or even for retirement.

Try these simple steps in preparing a no fret family budget, and see the benefits of intelligent spending.

1. Gather three months of your pay stubs and get your average monthly earnings.

2. Get out three months of your monthly bills. Do this for the fixed expenses like the rent, phone bill, car payments and other loans that come monthly. Add them up and get the average. Do the same for other expenses like groceries, and credit card bills.

3. Evaluate the results of your computations. Looking at your average monthly earnings against your monthly fixed expenses and other monthly expenses, think of some ways to economize. Cut back on some items that are somehow unnecessary.

4. Knowing the facts of your income and expenses, develop a family budget and try to stick to this monthly budget.

5. Now that you have a monthly budget, set up a savings account. Save up by making regular deposits to this account.

6. Keep track of this monthly family budget just to see if it is working for you. Try to fine-tune the “rough edges” of this budget as you go along.

7. If you can get hold of a personal budgeting software or spreadsheet application to keep record of your budget, the better. This will make organizing your expenses very easy.

These are the basic steps in developing and implementing a no fret, easy to stick to monthly family budget. Of course each family has diverse needs and wants. You have the freedom to develop your own monthly family budget, depending on your family’s financial background and needs. No matter how you do it, just focus on the end result, which is building a savings that leads to a bright and financially stable future for your family.

A great way to save money is to be aware of the fact that one has the power to define the state of his finances specifically through a conscious effort of disciplining the way one spends and controlling one’s expenditures.

Self-discipline will most definitely be the key to reducing one’s debts therefore increasing the possibility of growing one’s savings. And in the long run, improve one’s standard of living.

According to money management book author Robert Hastings, “Undisciplined money, usually spells undisciplined person”. Therefore, if one notices how his hard-earned money seems to slip away so darned easy, then it is about time that he rethinks his ways and try to discipline his unpleasant spending habits.

One of the essential keys to successful money management, specifically saving money is to possess proper attitude. Self-discipline is at the topmost of this proper attitudes list, of course.

Only with self-discipline that people recognize that they do have the freedom and power to do the right thing over doing as their impulses dictate.

Sounds complicated? Well, not really. Knowing fully the fantastic rewards of disciplined money in a disciplined person’s hands should be motivation enough for one to do all that is humanly possible to achieve that elusive financial stability everyone hopes for.

Here are some helpful money saving tips.

1. Realize that the most convenient method of building one’s wealth is through saving money. Money is the only sensible material to save.

2. Focus expenditures on the things one needs. Live day-by-day knowing that you have enough.

3. Avoid buying on impulse. Take your time when buying, especially the expensive items. If you really need it, it would most definitely not slip your mind. Otherwise, if you go along forgetting all about it, then it isn’t really worth the money you have to spend on it at all.

4. Credit card debts hold the number one slot as the cause for financial drains these days. Control your spending by using your credit cards less. Or for unavoidable circumstances when you really have to use the credit card, consider using the ones that charge less interest. Then dump the high interest ones for good.

No matter how you look at it, saving money is so easy to do. A little bit of imagination, some creativity and a lot of self-discipline will take you a long way in keeping hold of your hard-earned money.