Are you ready for Christmas. I'm almost there.

This week's feature article is on keeping the meaning of the holidays intact. With all the craziness of shopping and decorating, it's easy to ignore the rest.

The guest article is on having the courage to negotiate. From salary at work to buying a car and so much more, negotiation can really improve your financial status.

Ready to go? Come on over to http://www.homewiththekids.com/newsletter/newsletter122104.htm

There will not be a newsletter next week. I'm moving and my computer may not be unpacked by then. See you in the new year!

Sending this out a little later in the day because I forgot to hit send on time. It happens!

The first article this week is on being realistic about your needs and wants. When it comes to saving money, whether a small amount or a lot, you need to think carefully about the difference.

The second article is on the importance of recess during school hours. With more schools cutting recess to push academics, parents need to know the benefits their children may be losing out on.

Ready to go? Come on over to http://www.homewiththekids.com/newsletter/newsletter121404.htm

See you next week.

Are you getting ready for the holidays yet? It's hard finding the time to get everything done sometimes, but if you don't let the stress get to you it's a fun time of year.

The feature article this week is on not giving your children too many things just to keep up with the other kids. It's relevant year round, but with presents expected at this time of year it's a good reminder.

The guest article gives you some great frugal gift ideas. You don't have to spend a lot of money or even fight the crowds at the mall all day to give great, memorable presents.

Ready to go? Come on over to http://www.homewiththekids.com/newsletter/newsletter120704.htm

See you next week.