News for Fellow Bloggers

If you're already blogging for fun and would like make a little extra money with it, try bloggerwave . Make a few posts on your blog, just short little blurbs, and get paid for your time. You choose which assignments to accept so you certainly don't have to endorse any product or idea that you don't believe in. Check it out.

Happy Blogging!

This Stuff is Getting EXPENSIVE!

Tons of doctors appointments all through the first two years of our kids' lives and then we get to add dentist visits too. It costs too much to pay for dental checkups out of pocket. I'm signing up for a discount dental plan instead of adding to my health insurance plan. I'll actually save money that way. I found Dental Plans online and was very happy with them.

I had lots of plans to choose from. I just entered my zip code and it pulled up a list of available plans for my area. They outline each plan individually or you can put them side by side and comparison shop to find the right one for you. With any of Dental Plans' options I would be able to save half or nearly half on everything from routine checkups to dentures.

They even have a Dental Plans 101 class right on their website. It explains the differences between discount dental plans and regular dental insurance. Discount plans are less of a hassle and much less expensive. They help you to choose the right plan for you and your family. They offer individual and family plans as well as plans for companies. Lots of options and less money - overall, I was very happy with what I found here.

Toy Recalls Scaring You Away From the Toy Isle?

I don't blame you a bit if they are. It seems like every time you turn on the news or check out Internet news, there's another recall on toys. Everything from choking hazards to lead paint, it makes you wonder what these toy manufacturing companies are thinking! If you're making a product for a child, why on earth would you not consider such major safety issues?
If you think about it, we all know the answer to that question - MONEY. Let's turn a blind eye to the fact that these toy might not be getting properly tested as long as it saves money. It's truly ridiculous. Personally, even if buying toys mad solely in the USA meant paying more for them, I'd gladly pay the extra money to ensure my child's safety. I think we just need to boycott products made in these countries to show them how we feel. Maybe if they take a hit in their wallets, they'll decide to pay more attention to safety.
If you're worried about gifts you've bought or are planning to buy, or if you'd like some tips on shopping for safe gifts go to the CPSC website. You'll find recall and safety information, a place to report an unsafe product, plus lots more. The information on this site stays current. Shop Safe!

How to Obtain Some Peace of Mind.

We all care about our family's future, how our kids will pay for college, whether or not they will keep a roof over their heads, and if they will fall when we are no longer there to catch them. We can all get a little piece of mind, some reassurance that they will be OK, with two words - Life Insurance.

I came across Advantage Term Life and wanted to share it with you. They help you to explore your insurance options to find the best policy for you. You can enter your basic information into their form and get instant quotes from several well know companies, including Chase and Prudential Financial.

Have other questions? Advantage Term Life gives you descriptions of the types of policies you can purchase - term, universal, whole, etc. They give the pros and cons of each policy type and tips on how to save money on your policy as well. My choice would most likely be a cash back term life insurance policy. With this policy, if you do not have reason to cash in the policy when it expires, you can get your money back that you've paid in premiums over the years. With other term policies, you lose everything you've paid in at the expiration of the policy.

If you'd like to get some peace of mind too, check out their website today at http://www.advantagetermlife.com/ .

Let the Shopping Begin!

For those of us who haven't finished (or started) our Christmas shopping, the hunt is on. The hunt, that is, for the perfect gift(s) for everyone on our lists. Good luck to everyone on this quest. Here's a few tips and thing to help you out.

Shop sales:
Of course, most of us do this already but if you don't then it's definitely a way to save a few bucks.

Set limits:
If you're buying gifts for people you know are buying for you too, get together with them and set a spending limit for gifts. This will keep anyone from going overboard and making others feel bad for making less expensive purchases.

Shop online:
Save the gas and the headache of fighting the crowds by doing some shopping online. You may also luck out and find some awesome deals online. For example, I just found the vtech baby vsmile on walmart.com for $29.92 with $0.97 shipping charge. In the store it is still just under $40. Might not sound like a ton of savings, but every extra dollar helps.

Stay calm:
No matter how or where you shop, stay calm and be nice. Remind yourself what we're really celebrating here and hold that thought with you as you shop.

Good luck to everyone! Enjoy yourselves, and have a very Merry Christmas!

Are We Ready??

We can diffuse arguments and squabbles between our kids, us and our spouse, and other family members. We are able to listen to all sides,bring everyone together, and figure out a suitable compromise. We form budgets and stick to them. We set rules and make everyone in our house follow them - if they don't we are firm but fair. We even find ways to generate extra income when necessary. We run our households day in and day out. Are we ready to run the country? Is this the year we help make history and vote to elect our first female president? I for one, feel that this milestone in history is long overdue. Hillary Clinton handles herself well in debates and has some good plans for our country. Making sure everyone has adequate health care is truly important. There are too many people out there who are suffering, being undiagnosed and untreated because they can't afford to go to a doctor. With all of the medical advancements we have made, why should this happen to anyone? Everyone should have access to the best medical care. This is just one of the issues that is helping to lock in my vote for Hillary Clinton.

$$ Money, Money, Money $$

It's really hard sometimes to handle the budgeting for our families. Needs vs. Wants, Saving vs. Spending. Money woes. We all have them - unless you're fortunate enough to win the lottery, that is. Wether your household has one income coming in or two, we could all use some extra cash from time to time. Especially around the holidays. I've tried a lot of diferent things to make money online. Some work pretty well, some are scams, and some just aren't worth the effort. Here's a few that I've tried and I think they work pretty well. With some of these you will earn faster than you would with others, but I'm happy with them.

MyLot - You get to talk with other people about anything that interests you. Start discussions, respond to others and you get paid for it. How much you earn and how quickly depends on how you combine quality and quantity in your discussions/responses.

Agloco mails - Get paid to read emails. Free membership and a $50 sign up bonus. My account balance has gone the highest on this site so far.

Earn PTR - Free membership. Get paid for reading emails.



**Note: Paid email sites listed are free to join, but do offer a paid member upgrade to access even more money making features. Fully worth the upgrade if you chose it.

Digital Scrapbooking

I love digital scrabooking. It's much less expensive than paper scrapbooks. Think about it - you buy a scrapbook album, tons of papers and embelishments, and have your pictures developed - you're going to pay a lot of $$ for all that. You can go a little cheaper with it and buy a scrapbook kit, but then you're limited to using only what is included in the kit unless you spend more money to buy a lot of "extras." When you do digital scrapbooks, you pay maybe $10 for a pack of ten data cds and you find a computer program where you can edit and embelish your photos - there are lots of free trials and free versions of software out there you can use - and then find digital scrapkits - lots of freebie and low cost sites out there - and ther you go! With a little time, you've got 10 scrapbooks to enjoy or give as a gift for a minimum of $1 each. Now if time, or even knowhow, is your issue you can always have someone else do the work for you. Some of these sites are pricier than others, but some are reasonably priced. This one is my favorite.

Remember Me: You send in your digital photos, tell what you like - fave colors, etc.- and they do all the work for you. Everything is put together for you on cds or dvds - you're own movie - and you can even have music added to it. It's pretty cool. Check it out.

Welcome

Welcome to my blog. Mommy Time Plus is a place to share other interests with the world. We are not just mommies, we are still women too. All of us love our children very much, but we also have other interests, other hobbies, other likes and dislikes. So I am here to share some of mine with you. I am hoping we will have lots of common interests. So please feel free to share your thoughts with me as I post, and thanks for visiting my blog.