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<channel>
	<title>In Him &#187; Home Tips</title>
	<atom:link href="http://larissaquinn.com/blog/category/home-tips/feed/" rel="self" type="application/rss+xml" />
	<link>http://larissaquinn.com/blog</link>
	<description>Is what I hope and believe my life is.  In Christ.</description>
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		<title>15 minute day</title>
		<link>http://larissaquinn.com/blog/2011/05/14/15-minute-day/</link>
		<comments>http://larissaquinn.com/blog/2011/05/14/15-minute-day/#comments</comments>
		<pubDate>Sat, 14 May 2011 03:42:53 +0000</pubDate>
		<dc:creator>Larissa</dc:creator>
				<category><![CDATA[Family Journal]]></category>
		<category><![CDATA[Home Tips]]></category>
		<category><![CDATA[Life]]></category>

		<guid isPermaLink="false">http://larissaquinn.com/blog/2011/05/14/15-minute-day/</guid>
		<description><![CDATA[Today I&#8217;m doing a 15 minute day.
I find this a good way of getting things done without feeling like I&#8217;m working all day.
I used to do 15min on 15min off when I was low in energy.
Today I&#8217;m doing it a little differently because I have different objectives to accomplish.
I want to read more bible, so [...]]]></description>
			<content:encoded><![CDATA[<p>Today I&#8217;m doing a 15 minute day.</p>
<p>I find this a good way of getting things done without feeling like I&#8217;m working all day.</p>
<p>I used to do 15min on 15min off when I was low in energy.</p>
<p>Today I&#8217;m doing it a little differently because I have different objectives to accomplish.</p>
<p>I want to read more bible, so that&#8217;s one 15min.  I want to get housework done, so that&#8217;s another 15min.</p>
<p>I want to limit my time on the computer, so that&#8217;s another 15 mins and I want to finish a jumper I&#8217;m crocheting, so that&#8217;s the 4th 15min per hour.</p>
<p>I&#8217;ve set my timer for 15mins and am just starting it again at the end of each period.</p>
<p>I&#8217;ve also allowed 30min break for food/doing nothing at the end of each 2 hour block of 15mins.</p>
<p>So by about 7.30pm tonight I&#8217;ll have done 1hr 30 mins of work, bible reading, crochet and computer time and break for meals.</p>
<p>I think that is a pretty productive day!</p>
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		<item>
		<title>Grace, groceries and growth.</title>
		<link>http://larissaquinn.com/blog/2011/04/17/grace-groceries-and-growth/</link>
		<comments>http://larissaquinn.com/blog/2011/04/17/grace-groceries-and-growth/#comments</comments>
		<pubDate>Sun, 17 Apr 2011 01:08:27 +0000</pubDate>
		<dc:creator>Larissa</dc:creator>
				<category><![CDATA[Encouragement]]></category>
		<category><![CDATA[Family Journal]]></category>
		<category><![CDATA[God]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[Home Tips]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Vegetarian]]></category>

		<guid isPermaLink="false">http://larissaquinn.com/blog/?p=663</guid>
		<description><![CDATA[Grace: Today I&#8217;ll be experiencing God&#8217;s grace.  The same as everyday, but on purpose.  I watched Joel Osteen&#8217;s message this morning on Australian Christian Channel (Foxtel) which seemed to condense a general message that I&#8217;ve been receiving for the past few months.  That God&#8217;s grace covers everything for those who believe.
What is Grace? According to [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Grace:</strong> Today I&#8217;ll be experiencing God&#8217;s grace.  The same as everyday, but on purpose.  I watched Joel Osteen&#8217;s message this morning on Australian Christian Channel (Foxtel) which seemed to condense a general message that I&#8217;ve been receiving for the past few months.  That God&#8217;s grace covers everything for those who believe.</p>
<p>What is Grace? According to Dictionary.com grace is:<br />
the freely given, unmerited favor and love of God;<br />
the influence or Spirit of God operating in humans to regenerate or strengthen them;<br />
Also called state of grace. the condition of being in God&#8217;s favor or one of the elect.</p>
<p>So when I chose to believe that Jesus saved all of humanity, including me, when He took on the sins on the world and died of the cross He extended GRACE to us and now calls me one of the elect.<br />
Also daily the Holy Spirit operates with GRACE in my life (and body) regenerating and strengthening me (as I go from glory to glory).<br />
Both of these aspects of GRACE are freely given, unmerited favor and love of God which is more GRACE!  Grace upon grace.</p>
<p>The crux of Joel&#8217;s message was that God&#8217;s grace is sufficient always but we only need it for today.  Today is where we live.  Our minds might be in the past where we can&#8217;t change things or in the future where we can&#8217;t influence things but today is where we live and where our minds should be.  Practicing the Presence of God by Brother Lawerence was one of the most influential books of my life.  It changed many things, but mostly it introduced me to NOW.  God is here NOW.  You are here NOW.  You only have this second. Live NOW.  God&#8217;s GRACE is NOW (yet eternal).  We can rely on His Grace always, especially now.</p>
<p>My now is Sunday.  I am listening to quiet small birds enjoying coolness.  I am hearing the hum of the computer and the morning movements of people in the house starting their day.  I&#8217;m thinking of what to cook for the week as I shop on Mondays and I&#8217;m thinking of what I&#8217;ll be doing to relax today.  I try to treat Sunday as a rest day in my mind because otherwise I feel like I never stop.  In reality, the household needs never stop, of course, we eat daily, we do things daily and these things need to be cleaned up after.  But I give myself leniency on a Sunday to sit longer in between.  To do more crochet. To read more online.  To play more games.  To not exercise.  To do simple yet indulgent meals.  I guess it&#8217;s a kind of grace.</p>
<p><strong>Groceries:</strong> I like to think about the week&#8217;s meals in advance because as I become more busy on shopping day my mind tends to become stressed and overwhelmed and I just want to get the whole thing over with and get home again.  The girls could be in a talkative mood or want to show me lots of things I&#8217;m not even looking for or I&#8217;m feeling a bit off with a headache or something else, so I can&#8217;t really think clearly and forget things if they aren&#8217;t on the list.  So the list has to be finalised.</p>
<p>I tend to be the only one to write on the shopping list now, even though it&#8217;s posted on the fridge, because it was becoming a wishlist instead.  Things that the girls wanted me to buy, not what we needed, started appearing.  Such as chocolate, soft drinks and other junk food.  Of course I do buy these things sometimes, but they&#8217;re definately not NEEDED.  I plan dinners down to the ingredients needed.  We are all pretty boring when it comes to breakfast and eat the same thing, so that is supplied.  Also with lunches, but not quite so boring, so I keep the fridge and cupboard supplied with enough ingredients for my family to get their breakfasts and lunches.  I ask what would be wanted for different meals and sometimes specific things for other meals are requested also.</p>
<p>I try to plan according to weather, seasonal availability and recent  meals. We go around and around on the same meals much of the time, but  you can only eat so much of the same thing.  Recently I&#8217;ve be trying to introduce one new meal a week.  Something a little different to what we would usually eat, such as Polenta Stuffed Capsicum or Ratatouille.  This week I think I&#8217;ll try a Chili.  Something I&#8217;ve never made and only eaten a few times because my Mum doesn&#8217;t like and can&#8217;t eat spicy foods, so I have limited experienced with it.  Just this morning I read three different recipes for Vegetable Chili from three different sources!  I think I have to give it a go.  Hope the family likes it.</p>
<p><strong>Growth:</strong> This, trying something new each week, is a kind of growth for me because I&#8217;m a relatively new Vegetarian.  It&#8217;s so nice to have the energy to try new things and not be overwhelmed and too exhausted to do it.  My growth over the past few months has been mainly in the health and nutrition areas of life, but before that (and during) it&#8217;s been spiritual.  I&#8217;ve grown in many ways with God and am so thankful for it.  I&#8217;m glad He isn&#8217;t distant like people think He is.  I&#8217;m glad He cares for the little things in life and works it all together for good.</p>
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		<title>Simple Woman&#8217;s Daybook</title>
		<link>http://larissaquinn.com/blog/2011/04/08/simple-womans-daybook-2/</link>
		<comments>http://larissaquinn.com/blog/2011/04/08/simple-womans-daybook-2/#comments</comments>
		<pubDate>Fri, 08 Apr 2011 03:14:33 +0000</pubDate>
		<dc:creator>Larissa</dc:creator>
				<category><![CDATA[Home Tips]]></category>
		<category><![CDATA[Simple Womans Daybook]]></category>

		<guid isPermaLink="false">http://larissaquinn.com/blog/?p=629</guid>
		<description><![CDATA[FOR TODAY
Outside my window… Red-tailed black cockatoos squawking and eating the nuts off the Moreton Bay Fig Tree that hangs over from next doors backyard. And two incredibly beautiful Monach butterflies frolicking on the cool autumn breeze.
I am thinking… Getting more wholefoods into my diet.
I am thankful for…God’s gifts that surround me daily.
From the learning [...]]]></description>
			<content:encoded><![CDATA[<p><strong>FOR TODAY<br />
Outside my window… </strong>Red-tailed black cockatoos squawking and eating the nuts off the Moreton Bay Fig Tree that hangs over from next doors backyard. And two incredibly beautiful Monach butterflies frolicking on the cool autumn breeze.<br />
<strong>I am thinking…</strong> Getting more wholefoods into my diet.<br />
<strong>I am thankful for…</strong>God’s gifts that surround me daily.<br />
<strong>From the learning rooms… </strong>The girls and I went to the library the yesterday because that wanted to get some books out on certain topics.  Tash’s is butterflies/insects and Liv’s was Australian History, she also got some info on specifications of staircases as she’s in a house designing mood at the moment (mainly tiny houses.)<br />
<strong>From the kitchen…</strong>I will be warming up the coffee machine for “morning tea” for the first time since Christmas I think and having  home-made cuppacino/lattes.<br />
Lunch will be banana smoothies and peanut butter sandwiches.  This won’t last as Australia has a serious shortage of bananas after Cyclones, floods and locusts.<br />
Dinner will be Pasta and Garlic bread using the leftover Ratatouille from last night as the sauce. I will also be baking a cake to use up the almond meal from the milk I’ve made.<br />
<strong>I am wearing…</strong>Trackies and a jumper!  It was very cold this morning and isn’t expected to get very warm at all.<br />
<strong>I am creating…</strong>several things.  A grey something, possibly a wrap for myself or someone else.  A brown and cream poncho and I was given some squares to join together by a lovely lady at church.  She likes to knit them and I don’t mind joining them.<br />
<strong>I am going…</strong>to go to the shops to get the dog food I forgot yesterday.  May grab the ingredients for Sweet Potato Hummus as well.<br />
<strong>I am reading…</strong>Julie and Julia.  I picked it up yesterday at the library, didn&#8217;t realise it was a true (ish) story and I’m also reading Windows on the World of Jesus by Bruce Malina, an interesting book about the cultural difference between Jesus’ time and modern America.<br />
<strong>I am hoping…</strong>for more rain soon after our 3.4mm yesterday.<br />
<strong>I am hearing…</strong>The red-tailed cockatoos squawking, the girls moving “quietly” through the house on some urgent mission…oh there is the sound of the tape-measure, Liv must be planning something for her design, the tap of Dave working on his assignment at the laptop at the other end of the desk.<br />
<strong>Around the house…</strong>I am working on decluttering the bedroom so we can fit a very small workspace for private, quiet study.  I’m also planning on some giant cookies and some more almond milk.  I need to do the floors and other general cleaning.<br />
<strong>One of my favorite things…</strong>Sunshine with cold wind, which we have today. Love it.<br />
A few plans for the rest of the week: Its nearly the end of term so a new homeschool book order will be needed.  I think I need to get some more animal flea treatment from the vet.  I need to drop off the many bags of clothes Tash got out of her room when we sorted out the small stuff last week. I will also be doing the sweet potato hummus for lunch. Start planning our Easter menu!</p>
<p style="text-align: center;"><strong>A picture for today&#8230;&#8221;Tabby Meow&#8221;<br />
</strong></p>
<div id="attachment_631" class="wp-caption aligncenter" style="width: 310px"><strong><strong><a href="http://larissaquinn.com/blog/wp-content/uploads/2011/04/Tabby-Meow-Oct-2010.jpg"><img class="size-medium wp-image-631" title="Tabby Meow Oct 2010" src="http://larissaquinn.com/blog/wp-content/uploads/2011/04/Tabby-Meow-Oct-2010-300x226.jpg" alt="" width="300" height="226" /></a></strong></strong><p class="wp-caption-text">This is our stray that came to stay with us for 10 months before passing away from complications from lymphoma.</p></div>
<p><strong> </strong></p>
<p><a href="http://thesimplewomansdaybook.blogspot.com/">http://thesimplewomansdaybook.blogspot.com/</a></p>
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		<title>Newly Discovered Crafting Site</title>
		<link>http://larissaquinn.com/blog/2009/10/02/newly-discovered-crafting-site/</link>
		<comments>http://larissaquinn.com/blog/2009/10/02/newly-discovered-crafting-site/#comments</comments>
		<pubDate>Fri, 02 Oct 2009 01:47:36 +0000</pubDate>
		<dc:creator>Larissa</dc:creator>
				<category><![CDATA[Fun and Trivia]]></category>
		<category><![CDATA[Home Tips]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[craft]]></category>

		<guid isPermaLink="false">http://larissaquinn.com/blog/?p=530</guid>
		<description><![CDATA[Today I discovered a craft site which I would like to share with you.  It is an american site so the terms are american.
Lots to look at and lots to create.
http://www.favecrafts.com/
]]></description>
			<content:encoded><![CDATA[<p>Today I discovered a craft site which I would like to share with you.  It is an american site so the terms are american.</p>
<p>Lots to look at and lots to create.</p>
<p><a title="Fave Crafts" href="http://www.favecrafts.com">http://www.favecrafts.com/</a></p>
]]></content:encoded>
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		<title>Fast Food Cheap?</title>
		<link>http://larissaquinn.com/blog/2009/08/26/fast-food-cheap/</link>
		<comments>http://larissaquinn.com/blog/2009/08/26/fast-food-cheap/#comments</comments>
		<pubDate>Wed, 26 Aug 2009 03:45:24 +0000</pubDate>
		<dc:creator>Larissa</dc:creator>
				<category><![CDATA[Encouragement]]></category>
		<category><![CDATA[Home Tips]]></category>
		<category><![CDATA[Life]]></category>

		<guid isPermaLink="false">http://larissaquinn.com/blog/?p=509</guid>
		<description><![CDATA[I recently received my weekly Simple Savings enewsletter and this hint really highlights the thinking that is encouraged and shared on the website and forum.
EXPLODING THE MYTH OF CHEAP FAST FOOD
One fast food corporation currently has a &#8216;meal deal&#8217;; for $4.95, you get a cheeseburger, a small soft drink, small fries, and an ice cream [...]]]></description>
			<content:encoded><![CDATA[<p><strong>I recently received my weekly <a title="Simple Savings" href="http://www.simplesavings.com.au">Simple Savings</a> enewsletter and this hint really highlights the thinking that is encouraged and shared on the website and forum.</strong></p>
<blockquote><p>EXPLODING THE MYTH OF CHEAP FAST FOOD</p>
<p>One fast food corporation currently has a &#8216;meal deal&#8217;; for $4.95, you get a cheeseburger, a small soft drink, small fries, and an ice cream sundae.<br />
Sounds great, doesn&#8217;t it? And $5.00 is nothing, right? But let&#8217;s say you have to buy three meal deals &#8211; that&#8217;s not $4.95 &#8211; that&#8217;s $14.85! Now, factor in the petrol you use driving to the fast food outlet, and while waiting in the drive-thru &#8211; add $3.00. If someone wants to upsize or have M&amp;Ms in their sundae &#8211; another $3.00. A therapeutic cappuccino for Mum &#8211; yet another $3.00.<br />
Suddenly, our original $14.85 fast food treat has blown out to $23.85!</p>
<p>For a little less, I could buy this list at the supermarket:</p>
<p>500g extra lean mince, $5.99<br />
Hamburger rolls, $1.99<br />
Cheese slices, $3.49<br />
1.25ltr lemonade, $0.69c<br />
2ltr premium light ice cream, $2.99<br />
Chocolate wafers, $0.65c<br />
Frozen French fries, $1.99<br />
10 sachets of cappuccino or latte mix, $4.49</p>
<p>Total: $22.28</p>
<p>That $22.28 actually has the potential to save me buying:</p>
<p>15 cheeseburgers @ $1.95 = $29.25<br />
5 toasted sandwiches on the go @ $3.00 = $15 10 ice cream sundaes @ $2.00 = $20<br />
8 fast food soft drinks @ $2.00 = $16<br />
Side dish of fries for dinner @ $4.00 at the fish and chip shop 10 cappuccinos @ $4.00 = $40</p>
<p>Total: $124.25</p>
<p>So a saving of $101.97 for my $22.28 spend! While fast food appears to be cheap at face value, it might not be the bargain you think it is. Always ask whether the &#8216;face value&#8217; cost is all you&#8217;ll pay &#8211; it probably won&#8217;t be!</p></blockquote>
<blockquote></blockquote>
<blockquote><p><strong>To find out more about <a title="Simple Savings" href="http://www.simplesavings.com.au">Simple Savings, visit their website</a>, it&#8217;s all self-explanatory.  I&#8217;ve been a member for 4 or 5 years now and believe it is worth the money.</strong></p></blockquote>
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		<title>Larissa&#8217;s Tuna Casserole</title>
		<link>http://larissaquinn.com/blog/2009/05/19/larissas-tuna-casserole/</link>
		<comments>http://larissaquinn.com/blog/2009/05/19/larissas-tuna-casserole/#comments</comments>
		<pubDate>Tue, 19 May 2009 09:57:09 +0000</pubDate>
		<dc:creator>Larissa</dc:creator>
				<category><![CDATA[Family Journal]]></category>
		<category><![CDATA[Home Tips]]></category>
		<category><![CDATA[Life]]></category>

		<guid isPermaLink="false">http://larissaquinn.com/blog/?p=467</guid>
		<description><![CDATA[I just finished eating dinner, one that the whole family ate, without complaining, all gone.  A WINNER!
Serves 3 adults or 2 adults and 2 children (hubby wanted more!)
Put 1/3 &#8211; 1/2 of 500g packet uncooked tri-colour vegetable spiral pasta in a casserole (3L).  Drain a 420g tin tuna (in springwater), break up with a fork [...]]]></description>
			<content:encoded><![CDATA[<p>I just finished eating dinner, one that the whole family ate, without complaining, all gone.  A WINNER!</p>
<p>Serves 3 adults or 2 adults and 2 children (hubby wanted more!)</p>
<p>Put 1/3 &#8211; 1/2 of 500g packet uncooked tri-colour vegetable spiral pasta in a casserole (3L).  Drain a 420g tin tuna (in springwater), break up with a fork to desired size of chunks then mix in a can of cream of celery soup, 250ml cheese sauce and some pepper.  Pour over pasta and add a little water to make sure pasta is completely wet.  Grate some cheese over (about a cup if you want it really cheesey).  Add 1/2 to 1 cup of mixed frozen veg (or just peas and corn if you prefer &#8211; basically getting some veg in there, improvise!) Bake in 180.c/350.f oven with lid on for 45min remove lid and bake for a further 15min.  Serve up and dig in!</p>
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		<title>Save money &#8211; cut your hair at home.</title>
		<link>http://larissaquinn.com/blog/2009/04/29/save-money-cut-your-hair-at-home/</link>
		<comments>http://larissaquinn.com/blog/2009/04/29/save-money-cut-your-hair-at-home/#comments</comments>
		<pubDate>Wed, 29 Apr 2009 01:19:43 +0000</pubDate>
		<dc:creator>Larissa</dc:creator>
				<category><![CDATA[Family Journal]]></category>
		<category><![CDATA[Home Tips]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[YouTube]]></category>

		<guid isPermaLink="false">http://larissaquinn.com/blog/?p=439</guid>
		<description><![CDATA[I have been to a hairdresser approximately nine times in my life.  Yes only nine!  I cut it myself now or as I was growing up (and sometimes still now!) my Mum does it.  The cost saved would be a lot.  I can&#8217;t justify paying someone else to do something I can do myself.  This [...]]]></description>
			<content:encoded><![CDATA[<p>I have been to a hairdresser approximately nine times in my life.  Yes only nine!  I cut it myself now or as I was growing up (and sometimes still now!) my Mum does it.  The cost saved would be a lot.  I can&#8217;t justify paying someone else to do something I can do myself.  This tutorial shows you easily how to cut long hair.  There are many on YouTube if you are looking for a particular type.  Turn your sound off as it&#8217;s just bad music, no speech.</p>
<p><object width="445" height="364"><param name="movie" value="http://www.youtube.com/v/2eoBYsZJuxc&#038;hl=en&#038;fs=1&#038;color1=0x2b405b&#038;color2=0x6b8ab6&#038;border=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/2eoBYsZJuxc&#038;hl=en&#038;fs=1&#038;color1=0x2b405b&#038;color2=0x6b8ab6&#038;border=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="445" height="364"></embed></object></p>
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		<title>I found treasure!</title>
		<link>http://larissaquinn.com/blog/2009/04/24/i-found-treasure/</link>
		<comments>http://larissaquinn.com/blog/2009/04/24/i-found-treasure/#comments</comments>
		<pubDate>Fri, 24 Apr 2009 02:09:38 +0000</pubDate>
		<dc:creator>Larissa</dc:creator>
				<category><![CDATA[Blogroll]]></category>
		<category><![CDATA[Friends]]></category>
		<category><![CDATA[Home Tips]]></category>
		<category><![CDATA[Life]]></category>

		<guid isPermaLink="false">http://larissaquinn.com/blog/?p=423</guid>
		<description><![CDATA[I found a treasure yesterday.  I value personal achievement and striving for what is best for you.  My new found treasure is a blog.  The central theme is Living a simple life.  The sub-title at the top is
We discuss vegetable and fruit gardening, slowing down and being mindful, cooking simple food, keeping chickens and worms, [...]]]></description>
			<content:encoded><![CDATA[<p>I found a treasure yesterday.  I value personal achievement and striving for what is best for you.  My new found treasure is a blog.  The central theme is Living a simple life.  The sub-title at the top is</p>
<blockquote><p><span style="font-style: italic;">We discuss vegetable and fruit gardening, slowing down and being mindful, cooking simple food, keeping chickens and worms, composting, green cleaning, stockpiling and preserving, living well on a small amount of money, working within the community and how to change the habits of a consumer to those of a conserver.</span></p></blockquote>
<p>Rhonda Jean uses friendly conversation with bits of life journal to convey to younger people (and others) how to find your own brand of simple living.  She intersperses her posts with photos of her home including her garden and crafts. I find it very inspiring, and so do all the readers.  She welcomes comments and replies in a bit of a forum threadlike fashion.</p>
<p>She posts on the idea of simple living from time to time as well as what she is doing.  Below is an excerpt from one of her posts.</p>
<blockquote><p><span>Whatever your circumstances are, you can fashion a life that will simplify your daily tasks, help you nurture yourself and your family and lead you to discover that a simple life is like a patchwork &#8211; it&#8217;s pieced together slowly, unpicked sometimes, composed of a mish-mash of colours and textures and is different for everyone, depending on the fabric of your life. But when one stands back from a completed patchwork, it&#8217;s complexity becomes apparent. It&#8217;s no longer pieces of this and that, it builds into a functional piece that gives warmth, beauty and comfort.</span></p></blockquote>
<p>If you like the idea of slowing down and jumping off the neverending treadmill of the ratrace, no matter where you are, take the time to read her blog.  It will be well worth it.</p>
<p><a title="Down To Earth" href="http://down---to---earth.blogspot.com/">Down To Earth</a> &#8211; Rhonda Jean</p>
<p>Excerpt from <a title="Not stepbystep guide to simple living" href="http://down---to---earth.blogspot.com/2008/02/not-step-by-step-guide-to-simple-living.html">&#8220;Not the step-by-step guide to simple living&#8221;</a></p>
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		<title>Some good insurance advice.</title>
		<link>http://larissaquinn.com/blog/2009/02/11/some-good-insurance-advice/</link>
		<comments>http://larissaquinn.com/blog/2009/02/11/some-good-insurance-advice/#comments</comments>
		<pubDate>Wed, 11 Feb 2009 05:03:24 +0000</pubDate>
		<dc:creator>Larissa</dc:creator>
				<category><![CDATA[Home Tips]]></category>
		<category><![CDATA[Life]]></category>

		<guid isPermaLink="false">http://larissaquinn.com/blog/?p=349</guid>
		<description><![CDATA[This week’s horrendous fires brings  home how vulnerable we are in the event of a  disaster.
To be prepared in the event of a  loss of our home or assets, an insurance loss adjuster gave me some tips today  on how to expedite a full claim, it necessary, as well as answer [...]]]></description>
			<content:encoded><![CDATA[<p class="ecmsonormal"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">This week’s horrendous fires brings  home how vulnerable we are in the event of a  disaster.</span></span></p>
<p class="ecmsonormal"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">To be prepared in the event of a  loss of our home or assets, an insurance loss adjuster gave me some tips today  on how to expedite a full claim, it necessary, as well as answer many questions  that you will be asked by bankers, government and other  bureaucracies.</span></span></p>
<p class="ecmsonormal"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;"> </span></span></p>
<p class="ecmsonormal"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">Some of the tips  are:</span></span></p>
<p class="ecmsolistparagraph" style="margin-left: 38.4pt;"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">·        Scan all your  personal documents such as:</span></span></p>
<p class="ecmsolistparagraph" style="margin-left: 74.4pt;"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">o   Insurance  policies</span></span></p>
<p class="ecmsolistparagraph" style="margin-left: 74.4pt;"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">o   Registration papers  – vehicle</span></span></p>
<p class="ecmsolistparagraph" style="margin-left: 74.4pt;"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">o   Drivers  licences</span></span></p>
<p class="ecmsolistparagraph" style="margin-left: 74.4pt;"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">o   Property  titles</span></span></p>
<p class="ecmsolistparagraph" style="margin-left: 74.4pt;"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">o   Valuation  certificates</span></span></p>
<p class="ecmsolistparagraph" style="margin-left: 74.4pt;"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">o   Marriage  licence</span></span></p>
<p class="ecmsolistparagraph" style="margin-left: 74.4pt;"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">o   House  plans</span></span></p>
<p class="ecmsolistparagraph" style="margin-left: 74.4pt;"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">o   Building  permits</span></span></p>
<p class="ecmsolistparagraph" style="margin-left: 74.4pt;"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">o   Prepare a list of  account numbers – utilities, banks etc. And a separate list of PIN numbers </span></span></p>
<p class="ecmsolistparagraph" style="margin-left: 74.4pt;"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">o   List of  names/addresses/ contact numbers for family/  friends</span></span></p>
<p class="ecmsolistparagraph" style="margin-left: 38.4pt;"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">·        Prepare a  detailed inventory of all items in your home – room by room – don’t forget  garage and garden sheds</span></span></p>
<p class="ecmsolistparagraph" style="margin-left: 38.4pt;"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">·        List  collections piece by piece e.g. CD’s – list each title of all  CD’s</span></span></p>
<p class="ecmsolistparagraph" style="margin-left: 38.4pt;"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">·        Clothing-  count everything and list e.g. 20 pairs of socks</span></span></p>
<p class="ecmsolistparagraph" style="margin-left: 38.4pt;"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">·        List all of  garden features and valuable plants/ features</span></span></p>
<p class="ecmsolistparagraph" style="margin-left: 38.4pt;"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">·        Take photos of  all collection pieces.</span></span></p>
<p class="ecmsolistparagraph" style="margin-left: 38.4pt;"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">·        Take photos of  the property from different angles – including garden and outdoor  features</span></span></p>
<p class="ecmsolistparagraph" style="margin-left: 38.4pt;"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">·        Include aerial  photos – Google earth is helpful.</span></span></p>
<p class="ecmsolistparagraph" style="margin-left: 38.4pt;"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;"> </span></span></p>
<p class="ecmsonormal"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">Once you have all of these details,  burn a CD or put on a memory stick and then keep in a safe place.- remember  where it is.</span></span></p>
<p class="ecmsonormal"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;"> </span></span></p>
<p class="ecmsonormal"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">Update this information at least  annually or when you have made a substantial addition to assets  etc.</span></span></p>
<p class="ecmsonormal"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;"> </span></span></p>
<p class="ecmsonormal"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">This will assist in returning life  back to a bit of normality in very stressful and trying  times.</span></span></p>
<p class="ecmsonormal"><span style="font-family: Arial; font-size: small;"><span style="font-size: 12pt; font-family: Arial;">Let us all hope that we never need  to refer to this list.</span></span></p>
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		<title>Budgeting, economy and the economic crisis.</title>
		<link>http://larissaquinn.com/blog/2009/02/05/budgeting-economy-and-the-economic-crisis/</link>
		<comments>http://larissaquinn.com/blog/2009/02/05/budgeting-economy-and-the-economic-crisis/#comments</comments>
		<pubDate>Thu, 05 Feb 2009 00:01:21 +0000</pubDate>
		<dc:creator>Larissa</dc:creator>
				<category><![CDATA[Home Tips]]></category>
		<category><![CDATA[Life]]></category>

		<guid isPermaLink="false">http://larissaquinn.com/blog/?p=337</guid>
		<description><![CDATA[I have been married and running a household for nearly 13 years.  During this time I&#8217;ve learned that if you don&#8217;t have a budget and you enjoy &#8220;things&#8221; or going shopping then you won&#8217;t have money to pay for the necessities in life.  Some people may be saying to themselves &#8220;Well, duh!&#8221; but others may [...]]]></description>
			<content:encoded><![CDATA[<p>I have been married and running a household for nearly 13 years.  During this time I&#8217;ve learned that if you don&#8217;t have a budget and you enjoy &#8220;things&#8221; or going shopping then you won&#8217;t have money to pay for the necessities in life.  Some people may be saying to themselves &#8220;Well, duh!&#8221; but others may very well be in that boat or maybe you are somewhere inbetween.  Maybe you budget but there is still no money to pay for those things.</p>
<p>I can&#8217;t promise more money coming into your possession, but I can outline some things that I&#8217;ve learnt that can make the money you receive cover more of your expenses.</p>
<p>A budget according to dictionary.com is: an estimate, often itemized, of expected income and expense for a given period in the future.</p>
<p>Economy actually means the same thing but is applied to a working system already and concentrates on the frugality of it, making it cost the least amount possible.  I was floored to read that an obsolete use of the term was to run a household!  This should be the most common use of all&#8230;perhaps we can turn that around!</p>
<p>In saying all that lets see what we need to do in this time of global economic crisis and in some parts of the world, recession.  We need to look at every cent (or whatever your smallest denomination of money is) and account for it.</p>
<p>1 Get yourself a piece of paper and a pen.</p>
<p>2 Write down how much money comes into your household from work, government benefits, interest from the bank, any other earnings. This is your total income.</p>
<p>3 Write down ALL expenses for a given period (a year is a good one).  Mortgage/rent, electricity/gas, water, insurance, cost of licensing, running and maintaining all vehicles, medical bills, travel expenses (bus, train), parking expenses, food shopping, other shopping, entertainment, gifts (birthday/christmas), hobbies, school books, school fees, takeaway meals&#8230;everything in your life that you have to pay for.  This may take a long time, or if you&#8217;re really organised not long at all.  Please don&#8217;t estimate everything because if you are finding it hard to make ends meet then there is something you may be underestimating your spending in one or several areas.  Keep receipts, ask for receipts if the person doesn&#8217;t automatically give one.  This total number you come up with is your expenditure.</p>
<p>4 Now that you have a number for both, it&#8217;s reconciliation time.  Time to see how the numbers compare.  The first number, your income should be bigger than your second.  If it isn&#8217;t, that is your goal.</p>
<p>There are two was to do this and I&#8217;m only covering one.  The ways are &#8211; make more money and reduce spending.  We are looking at the reduce spending side, which feels like you make more money if you do it right.</p>
<p>5 You need to look at your expenditure list again.  Closely because something HAS to give.  You have to make choices to take control of your life.  Do you do anything that is needless spending?</p>
<p>For example  -drive your car to work and pay for parking</p>
<p>- get takeaway breakfast, lunches or dinners (or all three) because you are pushed for time or are not organised</p>
<p>- need to keep up the Joneses (who may be in a worse situation with you so don&#8217;t covet their life)</p>
<p>- buy the kids everything that they ask for, no matter the cost</p>
<p>- drinking alcohol or smoking</p>
<p>I could go on, but you get the idea.  What do you do to combat these things?</p>
<p>- take public transport if possible, this cuts costs and reduces wear and tear on your vehicle.</p>
<p>- organise your pantry/freezer and put together a meal plan, and follow it</p>
<p>- be satisfied with the possessions you own and look after them, mend them if broken instead of throwing them away</p>
<p>- don&#8217;t buy the kids everything they want.  They won&#8217;t die, really.  You have to be tough and teach them, surely they&#8217;ve heard of the economic crisis, if not, tell them about it.</p>
<p>- drinking and alcohol are huge drains of money if you let them be.  There is no nutritional benefit (although some can argue the once a day wine etc).  Let me put it this way, there is not documentation of someone being worse of or dying because they didn&#8217;t smoke or drink&#8230;think about it.</p>
<p>While saying all this, there is also something called false economy.   Something that people practice everyday, unfortunately.  They think they&#8217;re getting a great deal by buying the whole pumpkins that are on special, so they buy it instead of the 1/4  they usually buy.  DON&#8217;T.  Just buy what you need.  You can cut your spending.  You can also cut your rubbish/trash.  Most people in Australia throw away 1/3 of their groceries!  This is madness.  Say you have 3 meals in your week with potatoes and you need 2 potatoes at a time &#8211; just buy 6 potatoes, don&#8217;t buy the whole 4kg bag, it&#8217;s more than likely that you aren&#8217;t going to use it all before they die.</p>
<p>Now you can take this a step further after a while or if you&#8217;re already at this stage.  Look at the nutritional value of the food you already eat.  Do you drink a lot of coffee?  Perhaps you can cut down and add in some cups of tea, tea is WAY cheaper.  Or instead drink some water, they&#8217;re always telling us to do that!  Do you buy those little packets of museli bars wrapped in three layers of plastic?  You know a bag full of bags of bars all nicely organised in a plastic tray?  How much of the cost contributes to the packaging?  Try making your own snacks or buy fresh fruit and do the old fashioned lunch box for work.  You may feel a little dorky but look around, a lot of others do it too.</p>
<p>Some thing has got to give in this current situation, don&#8217;t let it be you.</p>
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