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The Giving Calendar

The Giving Calendar

Looking for a unique and personalized gift every Mother on the planet would appreciate? Give her the gift of time. Sound cheesy? Well, with this personalized approach it is easy for you to get it just right for the special Mom’s in your life. Whether your Mom is sappy & sentimental, humorous & witty, or all of that plus everything in between, The Giving Calendar will definitely be her favorite gift of all time. And the best part, it fits into every budget!

Warning, this may become so popular that people request traditions or ask you to teach them more often!  In my family we call it THE calendar and it started one year when I was finishing my Masters Degree and had an extremely tight budget.  I knew in about 6 months that should change, as I’d already landed a better paying job and would be able to dedicate the hours I put into school back in to work.  Being from a family full of crafty women, I am all for homemade gifts.  However, my time was tight and I have a whole folder of Pinterest fails so I didn’t want to end up rushing out for a last minute gift, on top of the cost of the glue and glitter used to create homemade.  So, THE calendar was born.

It is simply a promise, written on paper, for spending time together.  It takes the guess work out of what to do and creates excitement to last all year!

So, go buy, or make, a calendar and keep reading to spark ideas about what unique twist your schedule will take!

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Spa Day

If your budget is larger, go ahead and schedule a day.  Most spas have group packages.  From scalp massage and facials to manicures and pedicures, everyone loves to be pampered.  For a smaller budget, if you don’t have product around  your home to use, there are a multitude or do-it-yourself sugar scrubs, coconut oils skin masks, avacoda hair treatments and you name it available with a quick google search.  Many fruits, veggies and oils are multi-purpose and can be transformed into spa worthy potions.  You can ask people to bring their own favorite supplies or provide a special pair of slippers for each guest.  Diffuse some soothing oils, provide mimosas or fruit infused water, some healthy snacks and you have yourself a spa.

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    TV Series Night

    Plan to rent or DVR a favorite series and watch it as a group.  Sometimes gift giving can feel high pressure, but instead of the theme being stress let it be something simple that everyone wants to do anyway, then plan to do it together!

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      Baking Event

      Many culinary classes are offered at colleges, wineries or local restaurants.  Check out living social or group on for deals near you or if baking is something you like, share your talent and recipes with others.  If you have a larger group you could set up a bake-off.  Kids love the chance to judge the adults in their life, so if you have kids, get them involved by letting them judge the dishes on taste and presentation.  Make score cards and tally the results to award the best baker (or team).  This could be the theme of the whole calendar, giving people a fun motivation, as they research new ideas prior to the scheduled rematch!  Award a ‘golden’ spatula to the winning team, to be passed around as the winner changes hands.  If this is a popular pick for your family, you could mix it up by letting opposing teams pick the ingredients the other teams have to work with.  Every dish may not come out perfect, but the time spent together will be priceless

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        Stokpic Ed Gregory

        Pallet Project

        Pallets are free, or close to, from many businesses.  There are thousands of ideas out there on-line about how to re-purpose your pallets into everything from wall art to bed frames to outdoor pathways.  There are chic to rustic ways to express your personality with pallets!  Grab the person with the most power tools and reuse old paint laying around, or buy sample can for $2.50 from Home Depot, and you are set to have a creative day together

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          Local Event

          You can find tons of local events your friends/family may not have heard or thought of.  Sometimes it seems as if everyone knows what’s going on, or that you have no new and unique ideas, but remember we all can’t be everywhere.  And having the idea is way different than actually taking the time to plan it out.  Whatever comes up in your day-to-day travels that draws your eye and provokes your interest is a good bet for sharing with those close to you.  Local home and garden tours, plant exchanges, open mic nights at local coffee houses, apple picking, community concerts, local author book readings, are typically low and no costs options offered by many communities.  If you have a friend or family who would want to participate, sign up your group and try a new way to put yourself out there!

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            Not So Local Event

            Painting parties, glass blowing classes, wine tastings and mystery dinners are just a few of the events that are typically offered near you and you can locate by checking out sites such as group on or living social.  You can also do knock-offs of such things at home with smaller investments.  If you have any talent you have spent your time developing, those close to you will be interested to have you share it.

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              Gardening Day

              Schedule to have your group learn about your interest as an amateur farmer.  You could purchase or use recycled glass bottles to force tulip bulbs but adding bulbs (rocks if desired) and water.  Or if it is the right time of year to start some container gardens, how fun would that be to do with friends.  Use recycled items, such as popsicle sticks for marking seeds, old plastic jugs or egg cartons to start seedling and create a greenhouse effect.

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                Book Club

                You could give a book with your calendar, and plot a day when it will be completed and discussed.  Your group can come in costume of their favorite character or just come in something comfortable.  Themes always help your event feel special and unique and give guests something to plan for and show their personalities off.

                kaboompics.com_Grey Felt Journal TO DO LIST on a white desk-2

                  Whatever you choose to include in your calendar, or however many times a year you plan to meet, getting it on paper and giving the gift of time will be remembered long after the perfect gift is forgotten.  There is an event for everything and everyone, and with a little thought you will find great ways to spend time with those close to you!

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                  Last Updated on April 3, 2019

                  How to Nix Your Credit Card Debt in Less Than 3 Years

                  How to Nix Your Credit Card Debt in Less Than 3 Years

                  Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

                  By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

                  This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

                  Hint: there are ways that are easier than you think.

                  1. Consider Consolidating Multiple Credit Cards If Possible

                  This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

                  It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

                  Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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                  Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

                  My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

                  Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

                  2. Try to Pay the Full Balance You Spent Each Month at the Very Least

                  You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

                  Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

                  If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

                  3. Pay Extra When You Can – Every Small Amount Counts

                  This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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                  It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

                  4. Create a Plan on How to Pay Extra

                  Back to the main point, having this plan is giving you one less thing to think about.

                  This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

                  For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

                  Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

                  5. Cut out Costs for Services You Do Not Use

                  If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

                  In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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                  6. Get Aggressive About It

                  Consider these points:

                  Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

                  Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

                  Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

                  Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

                  7. Reevaluate Your Progress at Set Intervals

                  Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

                  By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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                  Finally (and most importantly)…

                  8. Keep Trying

                  Do not get discouraged. Pushing it off will make it worse. Just keep trying.

                  Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

                  Start Knocking out Your Debt Today

                  The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

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                  Featured photo credit: Pexels via pexels.com

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