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Smooth & Soothe with this Easy, Inexpensive, DIY Holiday Gift

Delight the Senses With This Amazing Sugar Scrub

Originally posted on December 19, 2014 by doTERRA

Looking for a festive and fun way to spread Christmas cheer? Try this fun candy cane scrub made with Peppermint essential oil! This scrub takes only a few ingredients and can easily be customized to your favorite colors and essential oils.

What You Need:

3/4 cup white sugar (you can also use brown sugar or sea salt)

1/2 cup Fractionated Coconut Oil (you could also use almond oil, grapeseed oil, or olive oil).

12 drops Peppermint essential oil

Skin safe food coloring


1. Combine sugar and Fractionated Coconut Oil into bowl and divide equally into two bowls.

2. In one bowl, add red food coloring until you get your desired color.

3. Layer the red and white scrub to create a ‘candy cane’ effect.

4. Tie a cute ribbon and tag on the container and you’re done!

– See more at: http://www.mydoterra.com/rcabourne/#/diyGrid

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12 Tips You Need to Know NOW to Actually Save on Holiday Travel

Are you itching to get away? Me too! And with the holidays coming up in the next few months, now’s the time to get it together. Here’s a quick checklist with helpful hints to get you where you want to go, at the time you choose, without turning over your arm, first born, or both.

Make a plan NOW. Check your travel budget and call your travel agent or start surfing TripAdvisor! Decide what you absolutely MUST have to make the trip meet expectations, such as airfare if you plan to cross the country in a single day, and a hotel if not staying with family or friends. When booking airfare, the customary rule of thumb for “affordable” fares is to purchase them three weeks prior to departure. If you’re travelling during the holidays or peak travel times, one to three months in advance has proven ideal.

If you’re planning on travelling over the holidays, be prepared to buy your airfare now to save a few bucks down the road. Here are some quick tips to keep travel costs as low as possible.

  • Fly over night aka take a Red-Eye. You can win two ways when you take an overnight flight. 1) The fare is usually more affordable. 2) You don’t have to pay for a hotel room that evening. This can work out well for seasoned travelers who roll with the flow and value the money savings. Perhaps the savings afforded by taking a red-eye round trip can enable a rental car or public transportation.
  • Travel on off-peak days. I have found that traveling on a Tuesday or Wednesday can save me quite a bit of cash. If your schedule will permit it, preview the fares for the month you’re travelling. You can often save a couple hundred dollars simply by flying midweek.
  • Set alerts so you don’t miss your opportunity to save. Kayak.com is the site I use. It’s great for setting alerts for the fares you’re interested in.
  • Use your frequent flyer miles or reward points. Upgrade or fly for free if you’ve got the points.

What about food? Here’s a few tips on saving money while still enjoying some culinary adventures.

  • Plan to eat breakfast in. This is often easily handled if you choose a hotel with breakfast included. However, consider a room with a kitchenette. The cost of breakfast fixings you prepare yourself compared to dining out each morning, will save you a small bundle.
  • Pack lunches. This is another great way to save a bundle, especially if you can get a small fridge in your room. Keep snacks, water bottles, and lunch items in a backpack so you can easily take a break under a tree or on a park bench and enjoy your meal.
  • Look for deals in the city you’ll be visiting. Google ‘entertainment and dining deals in (your chosen city)’. You can also connect with the Chamber of Commerce and the Visitors’ Bureau. They often will offer coupons and make suggestions for the best and main attractions during the time period of your visit.
  • Look for hotels offering “club level” service. In the past, I’ve paid an extra $25 a day for “access,” but it’s never been a disappointment. The time it make the most sense was when we were staying in NYC. We literally ate 5-star food, in tapas-sized portions, for breakfast, lunch, and “happy hour.” Amazingly, it included beer, wine, and champagne. Then, we’d run around the City and eat dinner out later in the evening. We saved A TON of money by eating in the hotel and planning meals around the “club level” schedule.
  • Bring your food. Don’t laugh. In some countries, a simple breakfast can cost $25 a person. I’ll share about this in just a minute.

Once you’ve determined what type of accommodations you want and where, it’s time to make that reservation. Here’s a couple tips on saving some money on hotel accommodations.

  • Purchase hotel stays on Sunday evenings, and call the hotel of your choice directly. The corporate reservations line will seldom quote the discounts and package deals for the specific location you’re interested in. Do your best to work directly with the reservation desk of the property where you want to stay. Introduce yourself through their social media. Post on their Twitter and Facebook pages to see if there are any deals to be gotten there.
  • Loyalty programs with the hotels can offer great savings, too. Just make sure you give yourself time to sign up and take advantage of any offerings for new members. If you’re a seasoned traveler and already engaged with a loyalty program, you know what to do.
  • Consider bundling your airfare, hotel, and rental car. Online sites such as Priceline, Expedia, Travelocity, and the like.

In closing, I’d like to share a quick story about a trip my hubby and I took in the blink of an eye. It had been too long between vacays, and my hubby needed one desperately. I called my travel agent. The conversation went like this, “Terri, where can I go to unplug for at least a week, for two, including airfare & hotel? I need to leave in eight days and I have a total of $3000.” She paused for maybe 15 seconds and came back with, “Tahiti. Yes, that might work with your budget. I can get you there with hotel for $1000 each, but food will be tough.” She went on to explain that EVERYTHING is imported there except the black pearls and vanilla. She instructed us to bring our own dry foods and buy staples there. We chose to eat granola from home and yogurt and fruit bought there for breakfasts. We packed boiling pouch foods for lunch which we heated up in the tea kettle. Each night we ate dinner out to the tune of $100-$150 for the meal. She wasn’t kidding—it was expensive. But, it was so worth it. We had a ball, enjoyed the exotic islands and culture, and created memories we cherish today because we played the game. We made it an adventure.

You can too.
Now’s the time to get your plan in place. Don’t wait. Do it now!

Remember, it’s your money, your rules, your way!

Money Savvy Woman, Inc. © 2015

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Can You See the Forest for the Trees? Unlock Your Fortune!

091715_1441_CanYouSeeth1.jpg“I can’t see the forest for the trees!” she yelped at me, “but sometimes I just don’t care, because the forest isn’t that bad.”

“That bad?” Really?

Can you relate? Are you creating a financial forest that you can’t find your way through? Are you tolerating fear and confusion? If so, here are three simple steps to help you see your path more clearly.

  1. Figure out where you’re at right now. Track your spending so you know where you’re spending your money. Do it for a full month. (Dollarbird.co is a great resource for this.)
  2. Divide your expenditures into three categories: Needs, Wants, and Wishes, once you know what you’re spending your money on.. This makes it easy to prioritize in the future.
  3. Create a budget using a simple spreadsheet or using an app like YNAB or Mint.com. I like YNAB because of their philosophies on money management and how easy it is to get out of the month-to-month, paycheck-to-paycheck cycle when you commit yourself. Mint.com is wonderful in that you can see your full, financial picture if you enter all the data. Both go from desktop to mobile.

One of the things I love about YNAB, is that they get you thinking about how you WANT to make your financial goals happen, getting you to discipline yourself for all the right reasons. “Have to” is seldom fun. So change it to, “get to.” Try it out …repeat after me:

“I have to save for a rainy day.” How did that feel? I don’t want to put words in your mouth, but I can bet you don’t feel like running out and saving for anything, haha.

Now say, “I get to save for a rainy day.” How did that feel? A bit better, huh?

PonderWhen we have to do something, for me, the “have to” takes the joy out of it. But when I change one word, the “get to,” again for me, feels empowering, more hopeful, and more of a challenge I want to take on.

Use the “I get to save for…” phrase when taking aim at your goals. A positive, motivated mindset will help keep you on the path towards financial success while still enjoying the journey.

Seeing the forest and the trees is what I want for you. Imagine if you could see your clearly defined path amidst the beauty of the forest? Now you know where you’re going. The safety of the path enables you to enjoy the forest. The fear of making a misstep fades as you remain on the path. And the speed at which you travel is simply a decision you get to make; you can take your time or you can hustle.

Money is much the same way. Once you’ve taken the time to carve your path toward financial independence, fear, anxiety, and confusion fade away, and confidence, commitment, and success soon take their place.

HarMoney™ doesn’t have to be hard. I can help you make it simple.

Remember, it’s your money, your rules, your way!

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4 Steps to Save Money Now With Container Gardening

I don’t think I’ve ever had as much fun as I’m having now! Saving money can be fun AND yummy! We’re having a blast, and so should you.

It’s September …a perfect time to plant veggies and herbs, and there’s no reason not start your own. We’ve been using garden-fresh herbs now for over a year and we just planted a lettuce pot. It’s a fun experience and great treat to season meals with fixings from your own yard.

So, I felt I just had to share how easy it is. With it, you’re on your way to saving more money than you probably realize. Here’s a short list:

  • Buying a seedling plant costs about the same as purchasing a bunch of cut herbs at the grocery store. You only pay once with a plant that keeps producing.
  • The fresh flavors enhance your meals, creating full flavor without any chemical preservatives.
  • We found ourselves opting for fresh herbs in all our dishes and reducing the dressings, sauces, and salt. Believe me, A-mazing!

Here are four basic steps to starting your own herbal, container garden.

  1. Pick a container. There are so many to choose from. And might I suggest, use what you have lying around if you’ve got something that will fit the bill. There are many different types, from plastic to terracotta to ceramic, plastic being the least costly and ceramic being a bit pricey. Make sure there’s good drainage so you don’t wind up with root rot, and choose a variety of shapes and sizes to keep things interesting. Sometimes you can find great deals at Saturday yard sales and the sale rack at your local garden center.
  2. Find a spot with great sunlight. We have ours in a spot that gets early and late sun, about, six to eight hours of sun a day which is optimal. Set up your pots where you want them to be permanently. Honestly, the larger ones are so heavy, you might not be able to move them once they’re filled with soil, plants, and water.
  3. Add the potting soil. We use bags of potting mix that are specific to what we’re planting. In this case, get a mix that feeds edible flowers, herbs, and veggies. Make sure you cover the drainage hole with some broken pottery pieces or cloth so the excess water can escape.
  4. Start planting! We spent a few minutes with the garden technician. He gave us specific directions for how to plant the various herbs and veggies we chose …you’ll want to do the same. For example, the beets are close together and a bit raised, the peppers are by themselves, and we bunched up a few of the different types of herbs.

Try using seedlings and baby herbs to get you started quickly. If you want to start snipping and eating them sooner than later, don’t start from seeds.

Good combos of herbs are:

  • Parsley & Basil—they like sharing space with cherry tomatoes, chili peppers, and chives
  • Rosemary & Sage—these guys like a little more sun than most other herbs
  • Oregano & Thyme—these will stop growing once the warm weather stops and start back up in the Spring.
  • Mint & Mint—mint will grow like a weed, and there are many different types, so make sure you give it enough space so the different flavors and aromatics don’t meld together.

For total success, find out how to feed and water your plants properly so they grow prolifically. We learned that lettuce and herbs require different fertilizers; your selections may require different treatments, too. Watering schedules will make a difference depending on the plant and the temperate zone you live in.

Saving money can be fun when the enjoyment spans the growth, harvesting, and eating these yummy additions to eggs, soups, salads, main dishes, and …well, anything.

My favorite right now is mint tea boiled with a few stevia leaves—makes it naturally sweet without sugar, and tarragon chicken salad with pecans. Oh. My. Word. Delicious!

Hope you enjoy making use of containers you’ve got laying around and have a grand adventure creating your savory container herb garden.

You can do it! I believe in YOU!

God bless! Have fun and remember… it’s your money, your rules, your way!

Money Savvy Woman, Inc. © 2015

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The Magic of Your Money Mindset


When working with clients, the first step in designing a financial plan is getting to know them. What is it they want for their lives? For what purpose are they earning money? And most importantly, what are they doing now to get there and why do they feel they need me?

They’ll explain how they have some, if not all, of the pieces to their financial puzzle. But what’s frustrating them is they can’t figure out why they can’t get the puzzle together. After listening to their stories, the culprit usually identifies itself clearly to me, yet remains hidden from them.

The culprit is their mindset. “Having the right mindset is the first and foremost attribute required for every entrepreneur,” says Maryjean Howe in her online article, “Why Mindset Is Important to Every Entrepreneur.”

You may say, “Renée, I’m not an entrepreneur. Why is it so important to me? I just have a job?” THANK YOU for asking! You need to change your point of view, your perspective, on how you look at managing your money. Your money IS your business. It’s the business of YOU. So, start taking it as seriously.

What is mindset and why is it so important to getting what you want, really want with your money? According to Dictionary.com, the definition is:

A fixed mental attitude or disposition that predetermines a person’s responses to and interpretations of situations. An inclination or a habit.

People can be aware or unaware of their mindsets,” according to Carol Dweck, author of Mindset: The New Psychology of Success, “but they can have profound effect on learning achievement, skill acquisition, personal relationships, professional success, and many other dimensions of life.” Mindset is the key to success for our sports icons, business leaders, celebrities and rock stars. They all expect the most of their efforts—so should you.

Why it’s important to be aware of your mindset is because based on what you think, that’s what you get. Simple as that. It’s your perception of yourself. You get what you focus on. You reap what you sow, so to speak. If you learn one thing about money, please remember it starts with your mindset.

Dweck has determined there are two types of mindsets, fixed and growth. One with a fixed mindset believes that their basic abilities, their intelligence, their talents, are just fixed traits, they can’t be improved upon or surpassed. They believe their talents will naturally bring success—without effort.

It’s that last part—without effort—that gets me and I want you to get, too. EFFORT is mandatory! EFFORT is required! You just can’t have a fabulous job and expect your money matters to take you on a magic carpet ride of success without effort! You have to manage your money after successfully earning it.

She goes on to state, “In a growth mindset, people believe that their most basic abilities can be developed through dedication and hard work—brains and talent are just the starting point. This view creates a love of learning and a resilience that is essential for great accomplishment.” 

So why am I telling you all this? Because your mindset is the launching pad to your financial success. I’ve watched every client win, lose, of stay stuck due to their mindsets. A fixed mindset won’t take you where you want to go financially. So here are three tips to getting and keeping your Savvy Money Mindset.

3) Take Ownership of where you are now. Whatever happened to get you where you are currently, happened. If you’re happy about it, congratulations! You seriously deserve a round of applause. However, many of you will not be happy with where you’re at. When you ask yourself why, what answers do you get? Is there a reason, excuse, cause, or combination of those that keeps you stuck where you are?

Ok. Enough. Stop blaming everyone else! It’s time to accept whatever the story is, get over it, and get on with it. If someone did something to you that’s caused you pain, accept the facts of the matter, forgive them and move on. If you did something that’s affected you financially, deal with it. As an observer, look at the situation objectively. Decide what worked, what didn’t, and what needed to be done differently. Learn your lesson, forgive yourself, and move on!

No one can do this but you. It’s time to take personal responsibility. Free yourself of the mental junk weighing you down. Get on board with a positive, growth mindset and make the most of your money.

2) There is no short cut. There is no magic pill, magic talent, or magic materialization. We can only reach and achieve our goals by taking the journey to get there. Yes, you can walk, run, drive, sail, train, or fly towards your goals. The choice is yours. And the key to that acceleration is the magic of your mindset.

Having a “can-do,” positive, growth mindset, that seeks out the challenges and takes them on as if they were a game, will help you stay on the path towards success. Life is a lot like a rollercoaster, full of ups and downs. Finding ways to persevere keeps you focused on your goals. Believing that there will never be enough money, you weren’t meant to be wealthy, money is hard, and it will always be a struggle is your fixed mindset rearing its ugly head, suffocating you with limiting beliefs that will undermine and keep you stuck. That’s practically a guarantee.

However, use your Money Savvy Mindset to acknowledge that whatever step you’re currently taking today has you one step closer to your goals than you were yesterday. Make the journey fun. Don’t deny yourself the fun of the adventure.

1) Begin with yourself. Begin NOW.
“In a growth mindset, people believe that their most basic abilities can be developed through dedication and hard work—brains and talent are just the starting point. This view creates a love of learning and a resilience that is essential for great accomplishment,” writes Dweck. I could not agree with her more.

You are in control of your life. You are also in control of your thoughts, words, actions, and all you do. Take it upon yourself to be aware and mindful of what your thoughts are.

  • Start each morning with positive thoughts for the day and your money
  • See the best in every situation.
  • Take each meal and drive time to express and feel gratitude.
  • Be proactive and intentional, aligning your mindset with specific actions.
  • Expect the best from your money.
  • Believe that your efforts will be rewarded.

You know what you need to do, so do it! Stop making excuses, take personal responsibility, and own your mission. Chart a course and stick to it knowing that there are no shortcuts. Guard your mind. Stay focused, positive, and committed to a money savvy mindset. You’ll see what a difference it makes once you do. Let the magic begin!

You can do it! I believe in YOU!

Money Savvy Woman, Inc. © 2015