Financial Friday: Where do I put my money?

A couple of weeks ago, I posted Step 2: Setting up a Monthly Budget for professional nannies and others on making sure you have enough money for your fixed and flexible expenses. JanStClair commented and asked

"Will you address expenses that come due annually, such as insurance? In thepast, I've divided them by twelve and put them into the monthly budget. But itdoes confuse me because it looks like I have more money in the bank than I should until WHAM, the bill comes due."

To find out what you can do with that money, please visit Financial Friday: Where do I put my money? over at The Financial Nanny.

NNRW September Shopping Specials!

We have a variety Direct Sales Consultants sharing their great products with us in honor of National Nanny Recognition Week (NNRW)!

Some consultants have different offers. To be sure you get the correct special make sure you email the consultant to confirm what they are offering. They also can send you the latest September specials from their company.To receive your discounts on purchases, shipping etc, you must EMAIL the consultant DIRECTLY with your order. They will then tell you the amount due and how to pay for it. (The email addresses have the @ replaced with (at) to prevent spammers from harvesting email addresses. Remember to replace (at) with @ when sending your email.)

****If you do not email your order, you will not get the discount by ordering on their website. You must put NNRW/Nanny Special in the subject line as well.****

September Special: 10% off order total before tax/shipping & handling unless otherwise indicated.


Fun & Games (Toys, etc):
1. Usborne Books and More
Glenda Propst: imabornreader(at)gmail.com
website: http://www.bornreader.com/

2. Discovery Toys:
Melissa Hall: discoveryplaytime(at)gmail.com
Website: www.discoverytoyslink.com/melissa_hall

3. Simply Fun
Caryn Salamy: csalamy(at)charter.net
website: http://caryn.simplyfun.com/
additional savings: $8 flat shipping, order more than $100 & get 15% in free products.
Ask about the "Club Fun" subscription too!

Creativity: (Stamping, Scrapbooking, Embroidery, Monograms, Stationary items, Organizing)
1. Stampin UP!
Alice Shaffer: craftassistant(at)gmail.com
website: http://www.craftassistant.stampinup.net/
additional savings: 15% off sales from $100-$199, 20% off from $200 & up

2. Memory-Works
Kellie Geres: ScrappinNanny(at)aol.com
website: http://www.memory-works.com/

3. Letters By Design
regardingnannies(at)gmail.com
website: http://www.shoplettersbydesign.com/store/affiliate.asp?aff=9001
Labor Day weekend Special 20% off if you use the code LD09. Minimum $10 purchase. Good through Labor Day.

4. One Stitch at a Time
Kelly Sheehan: onestitchks(at)gmail.com
website: http://www.onestitchatatime.biz/

Jewelry:

1. Silpada Jewelry
Melissa Hall:melissa_sergent(at)hotmail.com
website: www.mysilpada.com/melissa.hall

2. Its Just Jewelry
Kathi Watson: kwatson(at)itsjustjewelry.com
Website: http://www.itsjustjewelry.com/
additional specials: FREE ring with $50 purchase, host a catalog party & get $25 extra worth
of jewelry.

3. Stella & Dot
Davina James: bluvddavina(at)yahoo.com
website: www.stelladot.com/davina

Make-Up/Health Care/ Personal Care:

1. Arbonne
Glenda Propst:glendapropst(at)aol.com
website: http://www.arbonne.com/

2. BeautiControl
Audrey Sparks: audreylsparks(at)yahoo.com
website: www.beautipage.com/audrey-sparks

3. L'Bri
Barbara Geatches: bgeatches(at)yahoo.com
website:http://www.bgeatches.lbri.com/
instructions: order directly on her website, then email her and she will send you a 10%
refund once processed via L'Bri : make sure you email

4. Mary Kay Cosmetics
Cara Akridge: cakridge(at)marykay.com
website: http://www.marykay.com/cakridge

5. Jockey Person to Person
Nicole Pereira: isavefaces(at)gmail.com
website:http://www.myjockeyp2p.com/nicolep


Candles & Home Decor

1. Scentsy Wickless Candles
Suzanne Camarena: sparcam(at)aol.com
website: www.scentsy.com/NoseCandy
September specials: Free Shipping (no 10%)

Food & Kitchen Products:

1. Dove Chocolate Discoveries
Davina James: chocolatedavina(at)yahoo.com
website: www.dove-chocolate-discoveries.com/davina
additional specials: free shipping

2. Pampered Chef
Dionne Welsh: dionnecooks4u(at)yahoo.com
website: email for link to website
additional specials: an extra 20% of stoneware, plus your 10% off for NNRW

3. Tupperware
Misty Kearns: misty(at)twmisty.com
website: http://www.twmisty.com/
September Special: $4.50 flat shipping (no 10%), Mystery Hostess event-everyone who orders will be eligible to be picked as hostess to earn free credits/half off items

4. Wildtree
Caroline Abercrombie: EarnFreeFood(at)gmail.com
website: http://www.caroline.mywildtree.com/
Additional Specials: Discount Shopping Club-$25 lifetime -ask for more details

5. Tastefully Simple:
Tiffeny Kuzio: tkuzio(at)yahoo.com
website: www.tastefullysimple.com/web/tkuzio


6. Homemade Gourmet
Nicole Gunter: freedomstampers(at)aol.com
website: www.homemadegourmet.com/NicoleGunter
September Specials:
1. order off website for free gift direct from Nicole,
2. Order from her inventory and get 15% off,
3. order as a Homemade gourmet Preferred Customer and get 20% off. Email for more details.

Remember: YOU MUST email the consultant directly to get the discount.