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Financial Peace

Who wants financial peace, who needs financial peace? Almost everyone…how does it happen, how do you wake up one day and realize your dreams are a thousand miles away because although you’ve been working your behind off, you have nothing to show for it but a huge pile of debt.

What are your dreams: a bigger house; a new car; another baby; not having to check the price tags on clothes for yourself or children; a vacation?  How do you achieve your dreams when you have a mountain of debt and you feel like you dreams are lost?

My church is running a course on how to get out of debt and save money to reach financial freedom.  It’s called “Financial Peace University” and it’s run by a man named Dave Ramsey.  I am so happy with this course has come along and just at the right time.  I started this year knowing that I had to make changes in my life and one area where I had to make changes was in our finances.  So I was ready, I was sick and tired, literally, of being in debt and not having the peace that comes from financial freedom, just having to not worry about debt anymore.

Financial Peace University makes sense, it’s simple, Dave makes it simple, easy to follow steps, he breaks it down to the last penny, every dollar is spoken for before you even get paid, and he makes it fun.  You don’t feel like you have to give up anything, like quality make-up, getting you hair done in a quality salon, mani-pedis, everything you need to be happy whatever that is.  It’s like the perfect weight-loss program; no rules, no giving anything up, the things you love and make you happy.

So, if you’re in debt and ready to have peace in your finances, take a look at Dave Ramsey’s website daveramsey.com and take a look at Financial Peace University.  It will be the best decision of your life and I forgot to add that it will also help your marriage because you won’t be fighting over money anymore.


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How many times have we said “This is the year that I’m going to lose weight?  Then life gets in the way, being a mom, having a job, losing a job, being sick for what feels like forever…fill in the blank.  When is enough more than enough?  Where do we draw the line at what reasons are going to run our lives?  For me, it’s having a special needs child and dealing with an abusive childhood and getting through it, which is process in and of itself.

So, it is March 1st a new month, shortly into a new year and I have had enough.  I am ready to lose forty pounds, I am ready to uncover who am I, the little girl that got lost in the shuffle of divorce, remarriage and abuse.  So, now the question is – how am I going to accomplish it?  I have a Wii and the Biggest Loser for the Wii so that is how I am going to do this.  I have cut sugar out of my diet almost entirely, I have to have a little, I have cut down my portion sizes, I see myself as beautiful, so all that is left is exercise.  I used to be into every sport I could play and I love exercise, I really do, but living in a place where it’s seven months out of the year, outside sports are a challenge.

So in late spring and summer I swim in the ocean as much as I can, I walk briskly to work up a good sweat and play with my kids, I’m hoping to teach them tennis this summer but for the rest of the year I have to do inside sports.  I had a great exercise DVD called “Turbo Jam” but it appears my kids have lost it so all I have is the Biggest Loser for the Wii so that is what I will start with and go from there.  You do whatever it is you love as far as exercise goes because that is the only way that will attain your weight loss goals and get to it.  You are not alone, there are other people in the world who know how you feel, me and I hope that you will find my blog and realize that you are also ready to change your life and find out who you are.

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I love Sephora, it is bright, beautiful and basically a candy shop for makeup addicts.  Sephora carries a plethora of cosmetics and hair care brands;  everything from Bare Minerals to;  Smashbox to;  Urban Decay;  all the fun brands to the upscale brands like Clinique;  Lancome;  etc.

Sephora also has their own brand with a million colours of eyeshadow, lip gloss, etc.  I have a couple of their eyeshadows which are so smooth and simple to apply; their lipglosses which are not sticky, feel light, and the colours are bright to subtle.  I have an eyeliner in a beautiful silver shade; it is also easy to apply, glides on the eyelid and is so smooth.  They carry all the top name brands in cosmetics and skin care as well as hair care.  It is your one stop shop for everything beautiful to make you feel pretty, sexy, and real.

The staff are helpful and informative, they really seem to enjoy what they do and it shows in their service to the customer.  They welcome you at the door and if you look interested in a product they will help you find what you’re looking for and sometimes something extra.  It is very easy to spend money there but whichever product or products you choose, you don’t have what I like to refer to as buyer’s remorse.  They also carry accessories such as brushes, cosmetics cases, nail care and so on.

My favourite brands are Sephora, Urban Decay, Bare Naturals, Smashbox and Toki Doki.  The packaging for these brands are fun and bright.  I love colour in my cosmetics and Sephora is all about colour.  It is eye candy for your body and hair.  So much fun.  So the next time you’re at your local mall, find out if they have a Sephora store and take a look, be adventurous and ask for a makeover, the staff knows what they’re doing and will make you look and feel beautiful.

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Let’s Talk Reality

I watched American Idol last night and tonight after not watching it since the season after Paula Abdul left.  I just wasn’t enjoying it anymore and I had become a reality show junkie:  Canadian Idol;  American Idol;  Survivor;  Amazing Race;  The Bachelor;  Extreme Makeover:  Home Edition;  The Apprentice;  Dancing With the Stars and I few I can’t remember.  I pared down my list of reality shows almost to the point of extinction, which wasn’t too difficult because I wasn’t enjoying them anymore but I did miss American Idol.  So when I found out that Steven Tyler and Jennifer Lopez were going to be new judges I had to watch and I’m so glad that I did.

I have so much enjoyed American Idol since I started watching this season.  Steven Tyler and Jennifer Lopez actually focus on the singing, they listen to the notes and they know what they’re talking about.  They bring comedy and emotion to the show which brings a whole new dimension to it.

I still watch a few reality shows because let’s face it, they’re fun.  Survivor, Amazing Race, The Bachelor for it’s pure brain candy moments.  I am a minor tv addict purely for the fact that my life is challenging and I need that downtime.  There are some new shows that are really enjoyable:  Hawaii 50; The Mentalist; Criminal Minds, when I see the list I see a crime deal thing in the shows I watch.

So, take some brain candy, find a reality show or tv show that helps you relax and find downtime and have a bowl of popcorn handy.  It really helps.


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I love make-up but it took me a long time to figure out the right colour,  the right brand and how to apply.  I didn’t have anyone in my life that could teach me about make-up so I had to figure it out for myself.  My friends were all wearing it and so I asked them what they wore and the colours they used, the only problem was they all different skin tone and type from me.  I am a redhead with very fair skin, freckles and acne-prone skin.  I ended up with an acne infection because I was using cheap make-up and no skin care.  I went to live with my grandparents when I was almost sixteen and my grandmother took me to the doctor and he looked at my skin and told me I had an acne infection.  He prescribed me a prescription medication and a cream and it worked like a charm.  Then I started trying out different products:  skin care; make-up; foundation; different colours, different cosmetic companies and discovered that neutral tones are the best for me, no pinks, reds and a select few shades of orange.

When it comes to foundation, you have to figure out your skin type and tone.  I am fair, with acne prone-skin, therefore, powder based foundations work best for me.  I used MAC for awhile but wasn’t happy with the quality, I found a great product in a direct-marketing business that I was involved with but got out of it because it wasn’t working for me.  Then one night I was up late and caught an infomercial for a mineral-based cosmetics company called Sheer Cover.  They had a great deal on a starter kit so I ordered one.  The beauty  of  minerals is that they are all natural, no fillers, nothing heavy so you don’t feel like you’re wearing make-up and foundation at all.  It also controls acne which was a big plus for me.  The only issue I had with Sheer Cover was that you had to order it by phone and pay with a credit card, which for me was a problem because I like to pay cash for most things so as not to incur debt.

Two years ago I was in Edmonton visiting my best friend and we stayed at the West Edmonton Mall Hotel for some girl time and found Sephora.  It is my candy shop, all that make-up in one place, so much fun.  I discovered that they carry  a brand of mineral make-up called Bare Minerals.  So many colours, so many choices of foundation colours, so little time.  I was in love, but at that time there was no Sephora in Vancouver so I had to find another alternative and discovered Pur Minerals in a store called Shopper’s Drug Mart.  The only difference between Bare and Minerals and Pur Minerals is that Bare Minerals is loose powder and Pur Minerals is pressed.  Either way, I’m doing what’s best for my skin and looking beautiful all at the same time.

So try mineral make-up and foundation and see what it will do for your skin.  They have all the colours in the rainbow and all the same choices; lip gloss, lipstick, eye shadow, mascara, blush and bronzers.  Have fun.

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Price doesn’t always dictate quality in skin care, cosmetics and hair care, you can get great skin care in a drugstore or in a high-quality cosmetics store.  I have acne-prone skin, I have used most of the high-quality and drugstore quality skin care products and I am forty-years-old so my skin has changed over the years and I found that as long as you’re using good quality products your skin will look young and healthy for the rest of your life.  It is a trial and error process if you don’t have someone in your life who has used many different products to figure out what works best.  Everybody’s skin is different but you should have enough people in your life that can lead you to works best for your skin.  Don’t always assume that the people in the drugs stores, cosmetics stores and department stores know what they’re talking about.  I didn’t have anyone in my life to teach me about skin care, cosmetics and hair care so I had to teach myself so I hope that for those of you who don’t have help will find my blog and will learn from me.

Let’s talk drugstore skin care:  Clearasil has come a long way from when used it so I believe that it is a better product now;  I have used Neutrogena and it worked okay for me;  I have also used Aveeno and it worked well for a while but the price was too high for what I feel is an okay product;  for price and quality I really Garnier, my children use it, my nieces use it, it controls acne, smells really good and keeps your skin looking fresh and healthy.

Department store skin care:  I haven’t used any department store skin care products because they’re prices are too high and a lot of them don’t carry skin care for acne-prone skin, but I learned recently that Clinique has a skin care line and it’s affordable so I’m going to try it and see how well it works.

What I have been using for the last couple of years is a cleanser from a store called Skoah in a mall close to my home.  It contains plant extracts as well as seaweed so it cleans really well and smells wonderful.  I use it in the shower and not everyday because I don’t like water running down my arm when I’m in the bathroom over the sink and it doesn’t remover eye-makeup as well as my quick clean.  My moisturizer is made my Pur Minerals which is a cosmetics company that uses only minerals in their make-up and skin care and it is wonderful.  It is called mineral moisture complex, smells great, is gentle on your skin and keeps it looking healthy and clean and fresh.  Minerals are the best thing for your skin because they come from the earth, mineral make-up from a reputable company don’t use any fillers or chemicals in their products so it is the best thing for your skin.  I use a cleaning product by Pur Minerals called mineral quick clean between the days that I shower to remove my make-up because it is quick, you just apply to your face and then use a wet face cloth or even a kleenex and it removes everything including your mascara.

I hope I have helped you a little in your quest for the best skin care products for your skin type.  The beauty of mineral skin care is that it works for every skin type because there is nothing added to it except for minerals and it’s pure.  One thing that I did when researching for my blog was that I went to the different companies’ web sites and looked at the ingredients in all their products.  If there is something that I didn’t recognize or the product has lead in it, I won’t touch it.

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I love coloured mascara and when I say coloured I mean colours other than black and brown.  I discovered coloured mascara about twenty years ago, yes I am dating myself, shopping for cosmetics one day with my girlfriend.  We were browsing through the different brands and saw that Cover Girl had brought out mascara in bright blue, green, and purple, so I bought a bottle of each colour.  I fell in love with it.

What I love about coloured mascara is that it makes wearing make-up and looking natural a little easier.  In the summertime, when it’s hot and you feel like your make-up is going to melt off your face but you want to wear because you love it and you want to feel beautiful, you want to wear as little as possible and you want to look natural.  Or, any other time during the year when you want to wear make-up, but it’s daytime and again you want to look natural or you’re going to work and don’t want to wear a lot, enter coloured mascara.

In the summertime I will apply mineral foundation, I will talk about that in another post, a bronzer, one shade of eyeshadow in a fairly neutral colour but pretty maybe pastel, lipgloss,and coloured mascara in a shade that matches my eyeshadow.  With coloured mascara you don’t have to wear eyeliner if the mascara is bright enough, it will brighten your eyes so that you don’t have to wear more than one colour of eyeshadow it you choose not to or if you’re running low on time.

During the rest of the year I will wear the same amount of make-up as I will in the summertime because I’m taking the kids to school, working out, cleaning the house but I still want to look pretty.  If I’m going out in the evening, all I have to do is apply another colour of eyeshadow, some blush and lipstick instead of lipgloss and I’m ready for a night on the town.

Cover Girl stopped carrying coloured mascara about five years after I found it, even though I had stopped wearing Cover Girl because I wanted to wear high quality cosmetics for my skin, having acne, and for my age, I still wanted to have fun mascara.  So I was on a hunt for fun mascara.  MAC carried for a while and then stopped and hasn’t, another company called Red Earth carried it as well, which I found at Shopper’s Drug Mart and then Shopper’s stopped carrying, I was at a loss.  So, I was on my never-ending quest to find it.  About a year ago Sephora came to BC, in a few malls close to where I live and I discovered Urban Decay and lo and behold they have coloured mascara…woo hoo….two shades of blue, green, and two shades of purple, but the bottles are fairly small and it’s on the high end price-wise.  I’m a stay-at-home mom and my husband and I have been struggling financially, so buying Urban Decay became a luxury and when you wear make-up everyday, you need value.  Then, about six months ago I was shopping in our new Super Wal Mart which had opened close to my home, and always looking for new make-up I, discovered  Hard Candy and they have coloured mascara so my quest is over.  I love this mascara because the bottles are a good size and it doesn’t clump and coats my eyelashes so they look longer and fuller.

I am happy and my cosmetics life is fulfilled once again.  Try coloured mascara, it’s fun and easy and makes your life a little bit simpler.


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