Donated Trees to be accepted now until October 31
At Christmas, for many families it’s difficult to afford toys and gifts for children to put under the tree, let alone the Christmas tree. Requests to The Salvation Army for food, clothing and toys were up last Christmas, and 2012 promises to be another difficult year for many families.
Treetime Christmas Creations, a national premium artificial tree and decor company, is teaming up with The Salvation Army this year to help Milwaukee area families in need with its “Tree Trade-In” program for the month of October.
This is the first year the program will include the Milwaukee area, as it was unveiled in 2011 for the Chicago and suburban areas in Illinois.
Milwaukee area families are invited to donate their gently used artificial Christmas tree (3-feet and larger) to families in need by scheduling a pick-up at 1-800-SA-TRUCK or visiting milwaukee.satruck.org.
Area residents who donate a tree will receive an online coupon code for an extra 10 percent off any new online Treetime artificial Christmas tree purchase (which includes free shipping), to be redeemed by October 31. For more information, visit www.treetime.com.
The collected Christmas trees will be donated to The Salvation Army for distribution to area families in need, and in time for the holiday this year.
The first annual Tree Trade-In program in 2011 benefited nearly 200 families in the Chicagoland area. Last year, The Salvation Army in Milwaukee County distributed 100,000 toys to needy children of low income and unemployed families.
“With so many people wanting to celebrate the holiday season, it’s hard to imagine Christmas time without a decorated tree,” says Laurie Kane, Owner, Treetime Christmas Creations.
“We are thrilled to partner with The Salvation Army to help bring joy to families this holiday, while providing a ‘greener’ way for residents to pass on their Christmas trees for more years of enjoyment, rather than adding trees to landfills.”
“Many families simply can’t afford a Christmas tree, or could better spend the money on food and clothing,” said Captain Gerhard Scheler, The Salvation Army. “Plus, they can continue to use an artificial Christmas tree year after year. More than 56,000 families shop in our Milwaukee retail stores in the months leading up to the holiday season, and thousands more request toys and clothing through our Corps community centers. We are pleased to partner with Treetime Christmas Creations to bring the joy of Christmas into the homes of families in need.”
Nationwide (BlackNews.com) — According to federal statistics, more women are in debt now than ever before. This includes women of low-income and high-income statuses. Even worse the average woman in the United States is more than $10,000 in debt, and it will take most of them more than 15 years to pay it off.
Here are effective 12 tips that can help women to reduce and/or eliminate their debt faster:
1) Stop borrowing money – no matter what! If you can’t afford to buy something with cash you have now, then don’t buy it!
2) Control your spending appetite. Unsubscribe from all shopping catalogs, ignore all TV/radio commercials, and no more window shopping!
3) Call your creditors and negotiate with them for a lower interest rate, and/or negotiate for a lower pay-off settlement. For instance, if you owe $10,000, see if they will accept a one-time payment of $5,000 to settle the balance.
4) Always pay more than the minimum amount due each month. Even just $20 dollars more can make a huge difference in paying off your debt.
5) Inquire if it is possible to transfer all your balances to your credit card with the lowest interest rate.
6) Work on paying off your high interest credit cards or loans first.
7) Make a realistic monthly budget – Purpose every dollar (including some buffer).
8) Track your expenses in a software program like Quicken. Categorize your expenses and report out how much you spent in each category so you can easily spot your problem areas.
9) Praise yourself for every small accomplishment, even if you are paying off debt little by little.
10) Speak to a credit counseling service (like www.DebtHelpForWomen.org) to help work out a plan.
11) Be realistic. If you started accumulating debt three or four years ago, realize that it will probably take you more then three or four years to get out of debt and stay out of debt.
12) Stay focused. Keep you eyes focused on where you will be five (or ten, or fifteen) years from now, because getting out of debt takes time.–As posted on www.DebtHelpForWomen.org.