Articles written by Diane Palmer

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About me - Diane Palmer

I am Diane Palmer, and live in Ontario, Canada. I have been in the arts and crafts business for over 15 years and love creating by night and by day I am a book keeper!

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Personal Finance > Personal Finance (Other) Personal finance: How to be smart with your money: 1 of 25
One of the smartest ways to work with your money, is to come up with some goals.Take some time, and figure out what you want to do in life. Come up with some short term goals (things you want to do within the next few months) and long term goals (things you want to do over the next few years).Once you have some goals written ... More..
Personal Finance > Budgets & Saving Where you can cut down on living expenses: 5 of 78
Before you start tuning off the heat or living off mac and cheese, take a look at your daily expenses. Those little things you probably purchase throughout the day on working days. A coffee here, a muffin there.. vending machines... all those quarters here and quarters there add up big time.If you are like most of us, and are... More..
Creative Writing > Memoirs Testimonies: Mother-in-law woes: 3 of 32
My mother-in-law, was not a "maternal woman".. she was born during an era, where you were expected to marry young and have many children, that a career was really a part time job you had somewhere until you became pregnant!We always said she was born 50 years to early, because she would have loved to have had a nursing career... More..
Personal Finance > Managing Debt Should you pay down debt or invest more?: 2 of 20
You should pay down your debts more, and invest a little. There is nothing more nerve wracking, then having debt hanging around your neck. It restricts what you want to do in life, and there always seems to be a never ending stream of it.!You also have to be realistic, and know that things come up, and you don't want to be ad... More..
Creative Writing > Memoirs Testimonies: Cats and the computer: 2 of 20
I work two days a week for my sister, as her book keeper. She is an electrician, and built an office in part of her garage. Picture one of the garage bays, split in half, and then drywalled, its still really the garage, and no matter how hard we try, we just can't seem to keep it clean and organized. Her employees drop stuff ... More..
Personal Finance > Financial Planning Developing and sticking to a family budget: 1 of 10
When developing a budget, you have to allow for the "human factor". If you don't, then it will fail.The human factor, means "FUN". If you don't budget for some fun, then you will not stick to your budget. On paper, you can make a budget work, but in reality, we are not creatures that can just go to work, come home, sit in a c... More..
Food & Drink > Cooking Meats How to soften tough meat through cooking: 3 of 27
A great way to soften tough meat, is to marinade in vegetable juice!Stab your meat with a fork in many spots, place in a casserole dish, and then pour some vegetable juice over it, cover and leave in the fridge for a few hours, or the day.Then take your casserole dish, and add a few vegetable to the dish, such as potatoes, ca... More..
Health & Fitness > General Health (Other) A great reason why you should exercise: 2 of 15
I work from home most of the time, and have to sit in front of a computer. After a few hours of that, my mind feels very sluggish, and I start having problems doing some of the most simple tasks. I then decide, I need a break, and grab my dog, and go for a brisk walk, and the first thing I notice, after walking down my street... More..
Hobbies & Games > Beading & Jewelry Making Jewelry design: Tips for making fabulous earrings: 1 of 7
If you love to make jewelry, especially earrings, then here is a great idea for something "totally different!"At your local hobby store or hardware store, you can usually get those tiny wooden shape pieces for craft projects. Pick up a couple of pieces, I liked the oblong shaped ones,about 1/2 inch long, it was easier to work... More..
Personal Finance > Loan Basics How to borrow money without paying interest: 2 of 12
Unless you have a rich Grannie somewhere in your family tree, you will have to get creative with borrowing money at zero percent.The quickest way, is to borrow from a credit card that is offering zero percent interest for a set time period. The best ones, are the ones that give you at least one year. They are very excited to ... More..