S.A.V.E.M.M. News

We all would like to have less credit card debt.  We can control our behavior is using the credit cards more wisely.  Here are some tips from Eva Maria, author of You Shut Up!, on how we can control our clothing budget.

 Glam Shopping on a Budget

Alright, so whether you’re looking to add some exciting spice into your wardrobe, or are struggling to re-invent it, whether you’re a guy or a girl, there’s always a way to look as glam as you want on any sort of budget. I know you’ve heard all the blogs and articles before that promise to inject excitement into your wardrobe by snagging second hand Diesel jeans or copying celebrity outfits, for a ‘fraction of the price’ which usually, are if you’re a teen like me, fully out of budget.
So I want to really outline some key ideas and ways how you can look glam, no matter how much moolah you have in your wallet.

1. Know your style.
Flick through old magazines (fashion is never new – it always gets re-invented from past decades), or go down to the nearest library, and make some notes on fashion you like. This is your starting point. It gives you an idea of what key pieces or colours you should be investing in with that hard earned moolah of yours.

2. Wait until change of season.

 Invest wisely if you’re buying quality designer stuff.
Sales are absolutely necessary for stores, because their head office wants to always supply stock of the next up-coming season. Once you understand your type of style (retro, glam-rock, girly, skater, punk, everything and anything, etc. whatever you choose...) you will be able to make the best decisions about what to invest in. If you really need something expensive, make sure it’s good quality, and will match your wardrobe.

3. DIY
Someone you know probably has a sewing machine, beads, lace, fabrics, fabric pens, and all the rest of it, so take advantage of it. A t-shirt bought for $5 can turn into your own piece of art within minutes; all you need is a needle and thread, and stuff to sew onto your awaiting creation. Get your friends together, make a day of it – teen mags are forever updating their ‘DIY’ sections, so you can always take your inspiration from there.

4. Raid your wardrobe.
When was the last time you actually raided your wardrobe and had a look at what’s in there? Get all your clothes out - you may come up with some different outfit combinations, see what colours are missing, and maybe even find clothes you can pass on to family, friends, or even sell on eBay to make some extra cash.

5. Accessorize.
Guys, you take notice of this over-looked fact as well...a plain outfit can instantly become glamed up – add a hat, a scarf, gloves, a belt, a necklace, bracelets, brooches, earrings – anything. Accessories aren’t hard to come by, and are a relatively cheap way to bring character to your look.

So there you have it – my top 5 tips on how to always look your best, save that hard earned money, and look great on any sort of budget. I will say this: girls like to keep their wardrobe different, with a different outfit every day. Guys tend to keep their consistent style. For girls I’d recommend to invest in lower priced items, for example if you have $50 to spend on tops, buy 5 $10 ones, of even 5 $5 tops, and have money left over. Then let your imagination take over, and team these different coloured tops with different jackets, skirts, and pants. Guys, if you have $50 to spend on clothes, you’re more likely to spend it on a nice-er jacket, and a cheaper top, so go for it – that jacket will serve you for quite a while, so go for it if you love it!

Keep glam!

Eva-Maria
♥

www.trustyourfuture.com
http://twitter.com/EvaMaria12345
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Teaching Kids about Money and Credit Cards

Many students and teens are not aware of the consequences of mishandling money and racking up charges on credit cards.  For this reason, this organization has been started for you.  S.A.V.E.M.M. stands for Students Assembled to Value Economical Money Management.  Why should you bother, you might ask, to pay attention to the way you handle money at such a young age?  It’s so that you will learn how to avoid the mistakes your parents or other adults may have made which caused this world-wide economic crisis,

I know that many children are concerned right now about the problems their parents are facing because they may have lost jobs because their companies went out of business.  You may have seen these children voice their concerns on television.  There are many more students who are having the same problems, but do not have a way to voice their concerns on television like the others.  But, you can have a voice here on the website in the blogs and forums.  Woo hoo!

Parents Invited to join

Parents, I invite you to join and learn with your children here and help them to learn how to handle money more responsibly.  In doing so, you will be setting a good example for your children and helping them to establish principles of wise money management.

U.S and International college students will find valuable information about scholarships for their study abroad, employment opportunities in the U.S., discounts they can receive while travelling in any of 116 countries, and savings on long distance calling in the U.S. and more! 

S.A.V.E.M.M Benefits 

    1.  As a member of S.A.V.E.M.M., you can receive a membership and the option to purchase a t-shirt with the group’s own trendy design, attend planned events from time to time, and receive a free one-on-one consultation on your finances.  You can participate in the blog and forum.  The events will enable you to learn with others as well as have fun!The membership fee is $45.00 USD yearly, which includes the student I.D. card, and you can subscribe at this website.  As a subscriber to the newsletter, you will receive valuable updates on the credit cards, cool tools which will help you plan your budget, and save and make money. 

    2.   The Super Saver involves just the student I.D. card and the .S.A.V.E.M.M. Newsletter for $22.00 USD. 

     3.  The third level is subscription to S.A.V.E.M.M. Newsletter only for FREE!

Members will commit to learning how to manage their finances more responsibly.  There will be fun and games for all!

By subscribing to the newsletter and joining S.A.V.E.M.M., you will gain valuable insights which will help you become financially secure by learning how to manage your earnings, to establish good credit, and avoid bankruptcy.  The earlier you learn this, the better your life will be.  You can subscribe for FREE by clicking on to "Hot New Tips Links" or "Register" at the top of this page.  To join S.A.V.E.M.M go to  http://www.freewebs.com/gailcav or to the link at the bottom of the Twitter icon.   I look forward to seeing your picture on the site.

To subscribe to the newsletter, click "Register" at the top of this page.  Click onto "Hot New Tips Links" and then onto "International Student I.D. Card" for more information and to register for the International Student I.D.Card. 

We are planning an event soon and look forward to your participation.

Children's Christmas Gala, December 13, 2009, 1 pm - 5 pm - Martin Recreation Center, 35 Golden Hill Street, Newport, Rhode Island -Join the Mustard Seed Pen Pal Program.  Children will sign up to be a pen pal to an orphan in Kenya.  Activities include making angels, decorating cookies, singing Christmas Carols.  My new book - Pen Pals, Forever will be available.

Since I am spam free, you will not receive a newsletter unless you request it by registering at this site or purchasing a membership to SAVEMM.  All membership information is confidential and will not be shared.

Join S.A.V.E.M.M. on FaceBook.

See you later,

Gail Cavanaugh

Be sure to check out the new "Hot Tips Links" for new categories when you stop to visit the site.....There is a new category for "New Credit Card Legislation" which include articles on the new credit card laws. 

These laws change the way banks may approach students and teens about applying for credit cards.  It also lists the abuses which the banks can no longer employ in assessing late fees on credit cards.

Because of the reduced employment prospects for teens, they are learning to look for bargains while shopping.  Teens have spent a lot of money on clothes in the past.  In fact, many of them have used credit cards to purchase clothes.  Because their parents have little money to spend on teens' clothes, teens are looking online for bargains at various websites. 

This is an interesting development which may have forced teens to spend their money more wisely.  Often times, events in our lives will force us to change our habits.  When changes occur, we adjust and grow from the experiences.

Some teens may have been accustomed to shopping at stores like Abercombie and Fitch.  However, teens are now shopping at stores like Aeropostale and Bargains because of the lower prices.  Many of the high end retailers are experiencing problems because of the decrease in sales.  There are reports that Macy's may be at risk for bankruptcy. 

There  are many sites online where teens can find values while shopping for clothing.   There are also sites such as "Top Ten Hippe Clothes," where you can learn how to recycle clothing.   Hunting for bargains and learning how to recycle clothing involves creativity.  Teens may find an avenue where they can express themselves.

Teens can still charge bargain clothing on their credit cards, but they should find that if they stay within their budget, they can buy more items than they could in the past.  Staying within a planned budget is the key to spending money wisely while using a credit card.

To make learning how to handle finances more enjoyable, there are various games and tools available for students, parents and teachers.  Many parents are seeking games for kids during the holidays and the summer months.  There are several at this website which are worth looking into.

The website contains valuable information such as a glossary of terms, calculators, and video.  Children are more visual and learn well when incorporating games into the learning process.  With the New Credit Card Laws that will be going into effect next year, parents can learn with their children how to manage their money more responsibly.

Simple tasks such as balancing a check book and learning how to write out a check can help your prepare your children for their financial responsibilities when they go out on their own.  These tools can be used in the event that a parent elects to co-sign a credit card apllication for the child.

By learning how to give to those in need, children can learn how to manage their money more responsibly.  The Mustard Seed Pen Pal program is a program where elementary school children can develop their writing skills while learning about another culture.

There are thousands of orphans in Kenya who lost parents because of the HIV/AIDS virus.  It is estimated that 15% of the world's children who are afflicted with HIV/AIDS  live in Africa.  They are living in orphanages under the care of a pastor of a church and not all of them have HIV/AIDS.   Many cannot afford to pay for schooling and rely on donations to make an education possible.

In addition to educational needs, they need food and clothing, as well.  This program was started to assist the orphans in their writing skills.  The government requires them to learn English as well as their native language, Swahili.

For writing guidelines and more about joining this program, please go to the website.  You can make a donation there as well and place your advertisement on the website where it will remain for one year.