Category: Weekly Newsletter

  • The Household Book

    The Household Book

    The Mom Weekly Volume 74: January 7, 2025

    You can read this, or any other previous Mom Weeklies, by going to the home page here.

    The Household Book

    I have long wanted to make a recipe book or other collection of “things” for kids to have, or maybe even along with my sisters & sister-in-law. I know there are companies that will produce those types of family cookbooks, but our recipes and tastes are often changing, and I didn’t want something that was unable to be adapted over time. I also wanted to add more than just recipes. The ideas would percolate and I couldn’t seem to get a “handle” on it.

    What changed that? I attended the JASNA AGM (Jane Austen Society of North America — Annual General Meeting) in October 2021 (this meeting), and one of the sessions I attended helped coalesce my ideas into: The Household Book. 


    Julienne Gehrer, a food historian and writer, had a session called “The Culinary Arts at Chawton Cottage.” I volunteered to be an usher because I knew I would want to attend the talk—Jane Austen & food? Sign me up. What I didn’t realize was the session topic was actually Gehrer explaining and showing examples of Martha Lloyd’s Household Book, which would have been used in the Austen household at Chawton Cottage.

    Martha Lloyd was a close friend of the Austen family, and when the three Austen women—sisters Jane and Cassandra Austen and their mother—made a home at Chawton Cottage at the invitation of their brother Edward, she joined as well.

    Edward had inherited the Chawton House estate, and Chawton Cottage is a house on the property. It’s called a “cottage,” but I wouldn’t call it a cottage. When I visited with Giuliana in 2019, we found it a decent-sized house, with lovely gardens all around.

    A household book, in the early 19th century, was an “essential tool for managing her home,” according to Gehrer. “Whether she lived on a large estate or dwelled in a modest cottage, her handwritten collection of culinary recipes, household preparations, and medical cures created a ready resource for daily living.”

    Martha Lloyd’s Household Book is an actual book—handwritten, well-worn and used, that was acquired by Chawton Cottage in the 1950s, and remains there today on display. In 2021, the Bodlein Library at Oxford published Julienne Gehrer’s Martha Lloyd’s Household Book: The Original Manuscript from Jane Austen’s Kitchen. The book contains several explanatory chapters about the connections between the Lloyd & Austen families, history about household books, and more. The latter two-thirds of the book is a facsimile of Martha’s Household Book, with an annotated transcription by Gehrer. Of course I purchased it for my Jane Austen bookshelf.

    As Gehrer gave her talk and showed examples of the household book, my mind started working. Could I make a household book? Women in the 18th and 19th centuries would handwrite their household books, and I imagine they would update and add to it often. I have the advantage of computer editing and  on-demand publishing to create. And my lightbulb moment: I could make it an annual household book, and update it each year.

    That would help me complete at least a basic household book, and then be able to update and add to it through the years. I also think it can serve as a history of different years of our family—I wish I had done these in prior years, because then I would know the kinds of meals I was making typically when the kids were very little. But to paraphrase the Chinese adage, “The best time to create a household book is 20 years ago. The second best time? Today.” So that is my plan.

    You kids may remember that I did produce a physical book at Christmastime 2021, titled “The 2022 Household Book.” The production value kind of screamed “graphic design is my passion” — which means it wasn’t very nicely designed. (I remember your comments, never you fear, haha). I intended to update the physical book each year, and I still have not done so.


    However, I kept the text in a document (still titled, “Household Book 2023 Text”, haha.) Whenever I have a new recipe or resource to add, I add it to the document. Since then, I have produced numerous books for actual publication, and so over time my graphic design skills have improved. So I know I could produce a 2025 one (thought at this point it’s rather late).

    For now, I’ve been adding or editing recipes and resources. And whenever one of you kids wants to have the recipe for, say, Trinity Bars, or Shepherd’s Pie, I can just cut/paste it into a text or an email.

    But now, I’m going to put them into a section here on The Mom Weekly called “The Household Book.” (It’s a tab on the menu of the home page). There are a few recipes added to it, and sections will be added. Eventually it will be a searchable section where you can find recipes and other information. 

    What do you think about the Household Book? Are you glad we have one?

    Remember how much I love you,

    Mom

    Interesting/Notable:

    My Mom Was Diagnosed with Alzheimer’s. Then She Got Better.

    This is an absolutely riveting read. A medical mystery with a happy ending. Also good to know to because it sounds more common than it seems.

    An Action Item: Consider Meal Prepping

    This article is surprisingly helpful in understanding meal prepping and really making it work. This can also be said for planning one’s week by looking through what you have going on, and making sure that you are slotting in enough time for work, relaxation, meal prep, etc. Once The Household Book is more fully populated, you could use it as a resource for meal prepping.

  • What’s On Your 2025 Bingo Card?

    What’s On Your 2025 Bingo Card?

    The Mom Weekly Volume 73: December 31, 2024

    You can read this, or any other previous Mom Weeklies, by going to the home page here.

    What’s on Your 2025 Bingo Card?

    The last few years, social media is rife with the meme or concept “well, that wasn’t on my bingo card for …..” this year or a certain time. For example, not on one’s bingo card: a pandemic, social distancing and shutdowns, a president dropping out of the race just before the election, swarms of drones flying over New Jersey.

    Do you notice how it is almost always bad news that is (not) on the bingo card?

    So I thought, wouldn’t it be fun to create a bingo card that includes only good items? And then, through the entire year, to try to cover the entire board by seeing that those good things could happen. All the items, of course, would be things mostly within one’s control—so, for instance, winning the lottery would not be an item.

    We know the unexpected bad things are going to happen. No one has them on their bingo cards. When they do happen, we can rue that this didn’t seem very likely to happen. Who knew? 

     But good news, or accomplishments of one sort of another, can be a fun challenge.

    An Alternative New Year’s Resolution List

    I have mostly gotten away from the concept of new year’s resolutions. But years ago, I did what I found very satisfying new year’s resolution, and also attainable with a good bit of effort. 

    That year, I set a goal of running a half-marathon each month. They didn’t all have to be official “races,” but at least one run of 13.1 miles or more, each month. I started in January with the Naples Half-Marathon– I think I have run that race six time or more! I had a few other races sprinkled through the year, so I could easily do a training run of the amount. It took effort, but it was “doable.”

    So this year, I’m going to go for the “bingo card” concept, in the hopes that I can enjoy getting to mark items, for the satisfaction of filling in the entire board, or at least most of it.

    I’m going to include a blank bingo card as the image for this weekly, and you are welcome to print it out or download it and add your own items. (Also, in a timely design choice, the background color of the bingo card is Pantone’s color for 2025—mocha mousse.)

    No one will be surprised to hear that many of my bingo card items are travel related, but I also have goals related to organizing, spending intentional time with friends, and volunteering.

    Have fun with yours, and feel free to share your items, or your entire bingo card, with me!

    Remember how much I love you,

    Mom

    Interesting/Notable:

    You Don’t Have to be Injured to Benefit from Physical Therapy—NY Times (gift link)

    NY Times Quiz—Do You Speak 2024?

    I love quizzes like this. I didn’t do well, but probably better than other people in my age range.

    An Action Item: Get Ready for Your Quarterly Net Worth Update

    It’s not just the end of the year, it’s the end of the quarter!

    Remember that at the end of each quarter, the action item is to update your net worth. December 31 is the end of Q4 (or the fourth and final quarter of 2024!). 

    Repeating my regular script:

    This may take slightly longer this first time, if you have not done so. But I promise you, over time, you will be happy that you do this. 

    The reason I hesitated is that, especially for younger people, it could be pretty likely you have a negative net worth, largely because of student loans. But that’s will be so temporary (over the long haul!) that you should not be discouraged by it. 

    When people begin to track their net worth, they call it “getting back to zero” when they have a zero net worth. That may not seem promising, but it’s a great accomplishment for those who have paid off a significant amount of debt, whether student loan debt, credit card debt, or other types of debt. 

    And it can be very encouraging to see an improvement in your net worth over time. 

    Here is a super-simple net worth spreadsheet I put together. There’s no formatting with cool colors and such, but it works and completes the calculations for you. Let me know what you think about it!

    A couple of notes:

    *Unfortunately, Google Sheets does not allow password-protecting of items. I prefer to keep this information, and most of my spreadsheets, in a format I can password protect. Think Microsoft Excel, Apple’s Numbers, etc. You can even do this on paper if you want, and store it somewhere safe. 

    *There are two “sheets” in the shared spreadsheet —the first is a blank one, and the second is a sample with random numbers that I have included. I have added in pretend numbers to the sample sheet, so you can see how the numbers change over time.

    *Sometimes people do not add in their vehicles or mortgages. I do, because you can see how much equity you have in the house or vehicle. But I mentally don’t include them the same weight as other assets, since they are not liquid and it’s not likely one would sell them for living expenses, in retirement or not.

    What are you doing this weekend?

    You may have noticed that I’ve dropped the weekly item of “what are you doing this weekend?” 

    That’s because I found it just extra filler, and since it was the same text each week, probably all of you skimmed over it and didn’t actually read it, much less do the suggested action (plan your weekends ahead of time).

    But I thought I would add it in occasionally, in the hopes that you will plan your weekend, at least this week, and when you see how positive it is.

    I’m also writing to myself, because the action items I include are often things that I want to do and accomplish. And this week, I’m going to make a good effort to plan things out.

    So, now that it’s Tuesday, what are you planning for the weekend? I’m going to suggest trying to cover four “F”s to get ideas flowing:

    *faith—when are you going to Mass?

    *friends—what friends will you see or connect with?

    *food—any fun recipes you plan to try, or restaurants you plan to visit?

    *fun—anything interesting you are going to play, watch, or do this weekend? Now’s the time to think it through, and put it on the calendar (even informally).

  • “I will honour Christmas in my heart, and try to keep it all the year.” or, Great Quotes from a Christmas Carol, Part III

    “I will honour Christmas in my heart, and try to keep it all the year.” or, Great Quotes from a Christmas Carol, Part III

    The Mom Weekly Volume 72: December 24, 2024

    You can read this, or any other previous Mom Weeklies, by going to the home page here.

    This was such a wonderful exercise to pick out great quotes from A Christmas Carol. I honestly could do this for many more times, for all kinds of books. And I must just do so! Enjoy.

    Remember how much I love you,

    Mom

    “I will honour Christmas in my heart, and try to keep it all the year.” Or, Great Quotes from a Christmas Carol, Part III

    Image from the first edition of “A Christmas Carol”

    “Ghost of the Future!” he exclaimed, “I fear you more than any spectre I have seen. But as I know your purpose is to do me good, and as I hope to live to be another man from what I was, I am prepared to bear you company, and do it with a thankful heart. Will you not speak to me?”

    It gave him no reply. The hand was pointed straight before them.

    “Lead on!” said Scrooge. “Lead on! The night is waning fast, and it is precious time to me, I know. Lead on, Spirit!”

    …………

    “Good Spirit,” he pursued, as down upon the ground he fell before it: “Your nature intercedes for me, and pities me. Assure me that I yet may change these shadows you have shown me, by an altered life!”

    The kind hand trembled.

     . . . . . . . . .

    “I will honour Christmas in my heart, and try to keep it all the year. I will live in the Past, the Present, and the Future. The Spirits of all Three shall strive within me. I will not shut out the lessons that they teach. Oh, tell me I may sponge away the writing on this stone!”

    Scrooge was better than his word. He did it all, and infinitely more; and to Tiny Tim, who did not die, he was a second father. He became as good a friend, as good a master, and as good a man, as the good old city knew, or any other good old city, town, or borough, in the good old world. Some people laughed to see the alteration in him, but he let them laugh, and little heeded them; for he was wise enough to know that nothing ever happened on this globe, for good, at which some people did not have their fill of laughter in the outset.

    He had no further intercourse with Spirits, but lived upon the Total Abstinence Principle, ever afterwards; and it was always said of him, that he knew how to keep Christmas well, if any man alive possessed the knowledge. May that be truly said of us, and all of us! And so, as Tiny Tim observed, God bless Us, Every One!

    Interesting/Notable:

    Love, Death, and Gratitude: Seven Stories—Honestly Podcast

    This is such a quick and wonderful listen. It’s excerpts from the StoryCorps archives. What a great use of stories to heal and connect!

    Why Do Some People Get Lost?—Discover Magazine

    A study finds that experience, rather than innate ability, is a common denominator of people with a good sense of direction. I’ve always enjoyed pathfinding and navigating for myself, and I encourage all of you to do so as well! It’s really a good way to understand where you are in space and on the earth.

    Christmas Morning—SNL Song

    I guess I missed this when it first came out. It’s pretty funny!

    An Action Item: Check out the inflation calculator

    We were having a discussion recently about if EurailPasses were still a thing. I thought that the Eurailpass we had for Europe in the mid-1980s was about $300 for a month. J3 found that today’s Eurailpass is about $400 a month, which surprised me, as I was sure it was about that same price 30something years ago!

    So I found that a monthlong student Eurailpass in 1983 was $270, and I think that’s what I had. When I input this into an inflation calculator, it tells me that $270 in 1983 dollars costs $852. And yet a current Eurailpass runs about $400—that’s a good value!

    You can put any of those numbers into this handy little calculator from the Federal Reserve Bank of Minneapolis. For instance, you can put in your income from an early job, and see how much it would be in today’s dollars. It’s really fun to play around with. Check it out!

  • “A Small Matter to Make These Silly Folks So Full of Gratitude,” or, Great Quotes from A Christmas Carol, Part II

    “A Small Matter to Make These Silly Folks So Full of Gratitude,” or, Great Quotes from A Christmas Carol, Part II

    The Mom Weekly Volume 71: December 17, 2024

    You can read this, or any other previous Mom Weeklies, by going to the home page here.

    “A Small Matter to Make These Silly Folks So Full of Gratitude,” or, Great Quotes from A Christmas Carol, Part II

    With the Ghost of Christmas Past, who may be trying to help Scrooge see the value of small things:

    “A small matter,” said the Ghost, “to make these silly folks so full of gratitude.”

    “Small!” echoed Scrooge.

    The Spirit signed to him to listen to the two apprentices, who were pouring out their hearts in praise of Fezziwig: and when he had done so, said,

    “Why! Is it not? He has spent but a few pounds of your mortal money: three or four perhaps. Is that so much that he deserves this praise?”

    “It isn’t that,” said Scrooge, heated by the remark, and speaking unconsciously like his former, not his latter, self. “It isn’t that, Spirit. He has the power to render us happy or unhappy; to make our service light or burdensome; a pleasure or a toil. Say that his power lies in words and looks; in things so slight and insignificant that it is impossible to add and count ’em up: what then? The happiness he gives, is quite as great as if it cost a fortune.”

    He felt the Spirit’s glance, and stopped.

    “What is the matter?” asked the Ghost.

    “Nothing particular,” said Scrooge.

    “Something, I think?” the Ghost insisted.

    “No,” said Scrooge, “No. I should like to be able to say a word or two to my clerk just now. That’s all.”

    from the first edition illustrations

    ……..

    “Mr. Scrooge!” said Bob; “I’ll give you Mr. Scrooge, the Founder of the Feast!”

    “The Founder of the Feast indeed!” cried Mrs. Cratchit, reddening. “I wish I had him here. I’d give him a piece of my mind to feast upon, and I hope he’d have a good appetite for it.”

    “My dear,” said Bob, “the children! Christmas Day.”

    “It should be Christmas Day, I am sure,” said she, “on which one drinks the health of such an odious, stingy, hard, unfeeling man as Mr. Scrooge. You know he is, Robert! Nobody knows it better than you do, poor fellow!”

    “My dear,” was Bob’s mild answer, “Christmas Day.”

    “I’ll drink his health for your sake and the Day’s,” said Mrs. Cratchit, “not for his. Long life to him! A merry Christmas and a happy new year! He’ll be very merry and very happy, I have no doubt!”

     ……..

    There was nothing of high mark in this. They were not a handsome family; they were not well dressed; their shoes were far from being water-proof; their clothes were scanty; and Peter might have known, and very likely did, the inside of a pawnbroker’s. But, they were happy, grateful, pleased with one another, and contented with the time; and when they faded, and looked happier yet in the bright sprinklings of the Spirit’s torch at parting, Scrooge had his eye upon them, and especially on Tiny Tim, until the last.

    Interesting/Notable:

    Martha Stewart Gives Netflix’s “Martha” a Scalding Review (gift link)

    Dad & I watched this documentary several weeks ago, and it was interesting and great to watch, even after reading this article. I think her her criticism is absolutely valid. This quote in particular:

    “That’s what I wanted the documentary to be. It shouldn’t be me boasting about inner strength and any of that crap. It should be about showing that you can get through life and still be yourself.”

    Please do yourself a favor and read that article, even if you don’t see the documentary.

    One thing that has been bothering me about the documentary, and continues to bother me, is that the filmmaker never shows current footage of anyone — anyone—that he interviews, except for Martha. At first as I was watching, I thought, well, that’s an interesting style choice. 

    But then it bothered, and then infuriated me, the more I thought about it. We don’t get to see what—in this year—-her daughter looks like, or her friends, or her fellow inmates in prison! What on earth? It’s maddening, absolutely maddening. 

    An Action Item: Consider Some Advent Giving

    As I mentioned two weeks ago, this time of year is common for taking the time to donate to charity Remember, don’t be a scrooge!). It’s easy to let that get away from us since December can be so busy.

    So take 15 minutes or so this week to thoughtfully and prayerfully consider ways you can support a local, national, or international charity. And then donate! It’s easy enough these days to do so. I promise you will be glad that you did.

  • “Bah! Humbug!” or, Great Quotes from A Christmas Carol, Part 1

    “Bah! Humbug!” or, Great Quotes from A Christmas Carol, Part 1

    The Mom Weekly Volume 70: December 10, 2024

    You can read this, or any other previous Mom Weeklies, by going to the website here.

    I know how much we all enjoy The Muppet Christmas Carol (and I’m so looking forward to our annual watch of that soon!). But I kind of wish we had the tradition of every year reading the original.

    Its official title is A Christmas Carol in Prose, Being a Ghost Story of Christmas. Here is the frontispiece from the first edition.

    (This is from Project Gutenberg, the most wonderful nonprofit source for public domain books.)

    Anyway, during this “festive season of the year,” I’m going to share some of the best quotes. Who could forget the first line—“Marley was dead: to begin with.”

    You’ll notice how faithful that The Muppet Christmas Carol is to the original!

    Remember how much I love you,

    Mom

    “Bah! Humbug!” Or Great Quotes from A Christmas Carol, Part 1

    “A merry Christmas, uncle! God save you!” cried a cheerful voice. It was the voice of Scrooge’s nephew, who came upon him so quickly that this was the first intimation he had of his approach.

    “Bah!” said Scrooge, “Humbug!”

    “Christmas a humbug, uncle!” said Scrooge’s nephew. “You don’t mean that, I am sure?”

    “I do,” said Scrooge. “Merry Christmas! What right have you to be merry? What reason have you to be merry? You’re poor enough.”

    “Come, then,” returned the nephew gaily. “What right have you to be dismal? What reason have you to be morose? You’re rich enough.”

    Scrooge having no better answer ready on the spur of the moment, said, “Bah!” again; and followed it up with “Humbug.”

    “Don’t be cross, uncle!” said the nephew.

    “What else can I be,” returned the uncle, “when I live in such a world of fools as this? Merry Christmas! Out upon merry Christmas! What’s Christmas time to you but a time for paying bills without money; a time for finding yourself a year older, but not an hour richer; a time for balancing your books and having every item in ’em through a round dozen of months presented dead against you? If I could work my will,” said Scrooge indignantly, “every idiot who goes about with ‘Merry Christmas’ on his lips, should be boiled with his own pudding, and buried with a stake of holly through his heart. He should!”

    “There are many things from which I might have derived good, by which I have not profited, I dare say,” returned the nephew. “Christmas among the rest. But I am sure I have always thought of Christmas time, when it has come round—apart from the veneration due to its sacred name and origin, if anything belonging to it can be apart from that—as a good time; a kind, forgiving, charitable, pleasant time; the only time I know of, in the long calendar of the year, when men and women seem by one consent to open their shut-up hearts freely, and to think of people below them as if they really were fellow-passengers to the grave, and not another race of creatures bound on other journeys. And therefore, uncle, though it has never put a scrap of gold or silver in my pocket, I believe that it has done me good, and will do me good; and I say, God bless it!”

    ……..

    “You are fettered,” said Scrooge, trembling. “Tell me why?”

    “I wear the chain I forged in life,” replied the Ghost. “I made it link by link, and yard by yard; I girded it on of my own free will, and of my own free will I wore it. Is its pattern strange to you?”

    Scrooge trembled more and more.

    “Or would you know,” pursued the Ghost, “the weight and length of the strong coil you bear yourself? It was full as heavy and as long as this, seven Christmas Eves ago. You have laboured on it, since. It is a ponderous chain!”

    ………

    “Business!” cried the Ghost, wringing its hands again. “Mankind was my business. The common welfare was my business; charity, mercy, forbearance, and benevolence, were, all, my business. The dealings of my trade were but a drop of water in the comprehensive ocean of my business!”

    Interesting/Notable: Be a Saint, Not a Scrooge

    Peggy Noonan, WSJ Gift Article

    This is from 11 years ago (maybe I should call it a Peggy Noonan “From the Vault”), but it’s still so timely! Just like “A Christmas Carol” is timely.

    The pope’s message in part is: Don’t be Scrooge. He cared only for money, had no respect for the poor—he thought they should die and decrease the surplus population—wasn’t the least bit interested in treating his employees justly or with compassion, and missed out on all the real joy of life, until he wised up.

    An Action Item: Consider Reading “A Christmas Carol”

    A Christmas Carol has around 30,000 words, which is novella sized more than novel sized. It’s really manageable, and since you know the story and many of the best quotes, it should be an enjoyable time!

    You can read it online at Project Gutenberg here.

    If you want a Kindle version of it, here’s a very inexpensive one

    Alternatively, you can often find editions of A Christmas Carol at thrift stores, but here’s an inexpensive paperback version.

  • Two Modest (But Rewarding) Money Tips

    Two Modest (But Rewarding) Money Tips

    The Mom Weekly Volume 69: December 3, 2024

    You can read this, or any other previous Mom Weeklies, by going to the home page here.

    Notes: 

    Yes, I realize that part of this newsletter is kind of a “repeat” of last week’s “action item.” But I expanded on it, and posted it to my neglected Your Money Mom website, and sent it to that email list yesterday (so you might be receiving it twice!). But it’s worth a look.

    Also: I have pre-scheduled the next few weeks of The Mom Weekly, since as you know there will be some travel involved in the coming weeks. And I’m pre-scheduling because, for the first time in many years, I will not bring my laptop, as I do on almost every trip.

    So if there is any breaking news, know that it won’t be covered in these pages—not that it ever was!

    Remember how much I love you,

    Mom

    Two Modest (but Rewarding) Money Tips (Mom’s Occasional Money Advice )

    (You can also read this on the Your Money Mom website, if you want!)

    I’ve not been too active here on Your Money Mom in recent times. But that’s not because I’m not giving money advice. I’m just not doing much of it online!

    Despite that, I often have valuable information to share, since I’m still the money nerd that everyone knows and loves. I just wonder what is the best way to do this well, and reach a good number of people. In the meantime two modest but “rewarding” money tip are getting me back to posting here.

    I would appreciate your thoughts about what kind of content you would like to see from me, and how often, and in what form. I’m pondering options (Substack, maybe?). Your feedback is welcome! You can hit reply to this email, and it will come directly to me.

    Friendly Money Advice: Always Check Friends/Family for Referrals Before Signing Up for Something

    On to today’s first money tip!

    Whenever you’re about to sign up for a service or get something, find out if there’s a referral link you can use to help a friend or family member. I do this often with websites I trust and want to support, but it also works well with friends and family members.

    Case in point:

    Less than a year ago, I heard something (for the millionth time) about Rakuten, the free online shopping portal/app/browser extension to get rebates for online shopping.

    Surprisingly, I had never joined, even when it was Ebates. I think I had been using the Honey extension on my browser; and while it helped with coupon codes, I wasn’t getting many rebates.

    Anyway, I thought, it’s probably time to sign up. And before I did, I stopped and thought, I wonder if anyone has a referral link? So I texted the family, and one of my kids had a referral offer that gave us each $30 for me signing up. Nice! Neither one of us would have gotten anything if I had just signed up for Rakuten.

    My experience with Rakuten

    Now that I’ve been using Rakuten for awhile, I’m kind of impressed at how easy it is to get some decent rebates. t’s not life-changing money, but it’s not “nothing,” and it’s worth doing, in my opinion.

    For instance, I had to make a Shutterfly purchase the other day to keep my account current, and I see I got $5.32 back.

    I ordered glasses from EyeBuyDirect last week, and got $31.60 back (that was because of an increased offer, which I don’t remember now—occasionally Rakuten will give you a higher percentage back, like 20 percent, on a purchase). More about EyeBuyDirect below!

    Right now, Rakuten has a $40 signup bonus. That means just for signing up, the new member gets $40, and your referrer (me, if you’d like) also gets $40. Not bad! This referral link (click here) is good until December 8, 2024.

    I think everyone who uses Rakuten has the $40 offer, so if you have a family member who uses Rakuten, feel free to ask them for theirs, to keep the $ in the family.

    Final Rakuten hack: when I first signed up, I got “double” points back that week. I think that is still the offer, but just know when you do sign up, that clock starts. I wish I had known about it ahead of time to plan for some purchases.

    Check for referral links when you are shopping

    So back to EyeBuyDirect. You may have noticed it was a link—and that’s my referral code.

    As I mentioned above, I got Rakuten cash back from purchasing glasses from EyeBuyDirect, something I’ve done for years. It turns out that EyeBuyDirect has a referral program.

    When I was writing about EyeBuyDirect, I thought, I wonder if there is a referral link. And it turns out there is! So I have added it in here. Again, if you have a friend or a family member who uses EBD, and want to use their referral code, please do!

    I just want to double underline that whenever you are spending money or signing up for something online, it’s good to check with a friend or family member to try to avoid “leaving money on the table.”

    Paypal Fundraising Hub

    Money tip number two!

    Now that it’s almost Giving Tuesday, I hope you are all considering some charitable giving. I know we are at our house.

    I have also been trying to meet the minimum spend on a new-to-me credit card so I can get the sign-up bonus. I hesitate to share the referral link, because I don’t want people to sign up for credit cards unless they are actively seeking credit card rewards, and not in credit card debt. If you have interest in my referral link, just reply to this email, or search around for the best offer for you. Donating to a charity, using a credit card that offers points and other perks, is a win/win for all.

    Many charities ask you to contribute extra to cover the credit card payment processing fees, which is fair! But as I chip in, I always think, wouldn’t it be nice if credit card companies didn’t charge charities the payment processing fee?

    And then I learned that there is a way to donate to (some) charities without payment processing fees for either the charity or the donor.

    It’s called PayPal Fundraising Hub

    What’s great about this is that PayPal covers the payment processing fees for these charitable donations. The charity doesn’t have to pay, and you don’t have to pay.

    From PayPal:

    PayPal covers all transaction fees. You’re donating to PayPal Giving Fund, a 501(c)(3) charity, subject to its terms. Donations can take up to 45 days to get to your chosen charity. It’s rare, but if we can’t send your money to this charity, we’ll ask you to recommend another. If we can’t reach you, we’ll send it to a similar charity and keep you updated. Your donation is typically tax-deductible in the US.

    I can find at least a few of the charities I donate to here. It’s a great way to donate if you want to use a credit card (for points or other benefits, not to go into debt, of course!). It’s really a win/win for everyone.

    I may also ask some of our local charities to consider joining PayPal Fundraising Hub; as far as I can tell, it’s free to join, and there are no downsides.

    Your Turn

    I hope you enjoyed these modest but “rewarding” money tips.

    Have you had any great referral bonus offers lately? Any good tips for saving, giving, or spending money well?

    Let me know!

    Remember, you’re doing well with your money, and you can do better!

    Nancy
    Your Money Mom

    Interesting/Notable

    Tolkien Gives George R. R. Martin the Smack Down or Why Happy Endings in Fantasy Are a Requirement

    A must-read!!!

    An Action Item: Consider (continuing /starting) the St. Andrew Christmas Novena

    I wrote about this last year, and so I’m going to share again. The St. Andrew Christmas novena began last Saturday, as it does every year on November 30, but it’s ongoing, so you can jump in at any time.

    The St. Andrew Novena is an interesting novena. It starts on the feast of St. Andrew, which is November 30, and ends on December 24. You are meant to pray the pray 15x a day. You can read about it here on the Hallow website.

    Now, 15 times a day may seem like a lot, but it’s really not. I have an album in 15 photos of different artist versions of the prayer. Some are repeated. What I do is “favorite” a prayer once I’ve said it, and come back to the album when I have a chance. Once all of the photos are favorited, I’m finished for the day. The next day, I remove them from favorites, and so on, through the novena. It’s worked really well for me. This year I decided to create my own. I quickly created five different ones in a graphic design program, and they are now part of the album. 

    Here’s a screenshot (from last year!) of my album of St. Andrew Novenas:

    Here are a couple of individual ones that you can save if you would like: