Articles written by Denise Ramer

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About me - Denise Ramer

I am a 27, a blessed wife and mama of two. Born and raised on the West Coast, I am now flourishing in the good ol' South! I have been writing ever since I could pick up a pencil. My first compilations consisted of recycled paper stapled together! Early on

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Parenting & Pregnancy > Child Discipline Strategies How to get your child to behave in public places: 2 of 20
If ever there is a moment that a parent wishes for a magic button, it is when our children are put on display for the whole world to critique. Suddenly our lives are transparent, and all of our strengths and shortcomings are displayed to all who care to witness. At this moment of truth, we often become bundles of nerves, wond... More..
Creative Writing > Reflections Reflections: Neither a borrower nor a lender be: 2 of 9
There was a time not so long ago when I would have laughed in the face of Shakespeare for such a seemingly flippant statement. I would have looked him in the eye and demanded how, in today's competitive society, one could ever stay with the crowd and hold their head up without borrowing money. And then I ran with the crowd fo... More..
Personal Finance > Budgets & Saving 7 tips on saving money: 42 of 151
As a self proclaimed (and proud of it!) Tightwad, I am constantly looking for new and creative ways to make a dollar stretch farther. I subscribe to the old fashioned notion that to get ahead financially, it is important to live within -or below- your means. I also believe that this can be accomplished while still enjoying a ... More..
Parenting & Pregnancy > Parenting (Other) How child abuse affects society: 11 of 33
A small stone is dropped into a pool of water. A ripple forms, circling out farther and farther from the source of the disturbance. Soon you really can't tell where the water was initially touched, but you can still see the flaws on what was once a smooth surface.So it is with child abuse. Somewhere, out of sight of the world... More..
Parenting & Pregnancy > Child Discipline Strategies Kids' rights and duties: 3 of 9
I love the idea of kids having rights that run side-by-side with duties. It supports the fact that in life, every privilege is followed by a responsibility. From a very young age, kids should be trusted with their rights. At the same time, it is proper for their duties to be enforced in a loving and gentle way.I will attempt ... More..
Home & Garden > Cleaning Products Tips for making your own natural cleaning products: 8 of 16
Are you interested in "going green"? Concerned about all the chemicals in commercial cleaners? Or maybe worried about tiny tots coming within a mile of the cleaning cupboard? You can rest easy. There are dozens of safe, healthy alternatives available at your fingertips.I first became interested in making my own cleaners to sa... More..
Parenting & Pregnancy > Babies (Other) How does a new baby affect a relationship?: 12 of 23
I've often wondered how something as tiny and perfect as a baby can bring so many changes. We had been married for 4 years when our first miracle joined our family. We had been living for the moment for months, yet still the adjustments were huge.When you fall in love, the whole world revolves around your relationship. You ar... More..
Health & Fitness > Exercise & Weight Loss How to achieve a flatter stomach: 3 of 5
If I were to ask you what area of your body you would change if you could, chances are you would answer, "My stomach." As a young woman who in the last 3 years experienced two side-by-side pregnancies, I am here to say that it IS possible to have the flat stomach you dream of! Here are a few key pointers I have found to work:... More..
Personal Finance > Managing Debt How talking about debt helps find solutions: 9 of 14
In our financial journey, my husband and I have learned a lot about comfort zones. When we first started accumulating debt, it was easy to keep it hidden. Our monthly statements were nobody else's business, and because we could easily make the payments, there was no need to talk about it to anyone.As life progressed, our inco... More..
Personal Finance > Managing Debt How debt affects your emotional well-being: 29 of 43
As I sit here contemplating the destruction that debt wreaks in so many individual's lives, I am struck by the fact that debt is never something that is talked about with pride. You never hear someone happily proclaiming how "deep they are in". Rather, it is something that we commonly try to hide, and that is a taboo subject ... More..