2012 is here! Are you ready for financial freedom discipline? Here are a few tips to get you started:

1. Supplies needed: 2-drawer file cabinet, 3-ring binder, dividers w/pockets, marker, shredder, large envelope, notebook paper, and pencil

2. Size things up by setting a spending plan

3. Make a list of creditors, including balances

4. Know your income

5. File and organize all financial paperwork in one central location

6. Schedule time to review financials on a regular basis

7. Open mail immediately, gut and keep only what you need, then file

8. Discard unnecessary 2011 financials (a good shredder is your friend)

9. Tax time is just around the corner – mark large envelope ‘Taxes 2011′ and place inside or near 3-ring binder

10. Good resources: Crown Financial Ministries at www.crown.org and Dave Ramsey at www.daveramsey.com

Remember…a financial goal is just a wish until it’s written down and steps are followed!

Next month, I will discuss downsizing.

Happy Nizing!!!

Toni Johnson, the Second Act Organizer, is Savionaire’s organization expert. If you have any issues concerning organization that you would like for her to address in her monthly column, then email her at organizer@savionaire.com. The information provided is based on her personal experience. She is not a financial advisor. Therefore, please seek a professional for financial advice.

 

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Very few things are more attractive than a beautiful smile. A bright smile can win over a lot of people. However, your smile won’t look right if your gums are not healthy. Many adults suffer from bleeding gums, which is usually caused by inflammation relating to the accumulation of plaque at the gum line, a.k.a gingivitis. How do you prevent gingivitis? Ideally, you should brush twice a day (I brush every 8 hours), floss daily (don’t forget under bridges), and eat a balanced meal (I follow Atkins).

Also, using an anti-gingivitis rinse is an option. Healthy Gums by the Natural Dentist uses a unique blend of herbal extracts to help protect your gums. Healthy Gums contains no alcohol or artificial products. Also, it comes in 2 tasty flavors: orange zest and peppermint twist. Just use it twice a day, and you should be on your way to a healthier, beautiful smile. Of course, don’t be afraid to see your dentist on a regular basis and request a thyroid guard during dental x-rays.

Mistress Susan is a health nut, Certified Personal Trainer, and Phone Sex Operator. Email your sex-related questions, tips, or comments to askmistresssusan@gmail.com. Put “Ask Mistress Susan” on the subject line. Read the disclaimer in the right column under the Ask Mistress Susan section.

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Using laundry detergent to wash clothes is so last century. The future of laundry is a non-detergent laundry ball. The SmartKlean Laundry Ball is filled with four kinds of ceramic beads: far infrared, alkali, anti-microbial, and chlorine-removal. When these ceramic beads come in contact with water, they form oxygenated water, which thoroughly penetrates the fabric. As a result, dirt, grime and odors are released. Voilà! Your clothes are clean!

SmartKlean can be used with fine or heavy fabrics and colors or whites. However, always follow fabric care label instructions. It can last about 365 washes. Therefore, I use it to wash my linens weekly. Since the laundry ball is fragrance-free, I add pure essential oils to my washes for a fresh scent.

Now, here is your chance to win a SmartKlean Laundry Ball. Simply follow us on Twitter at @Savionaire and leave a comment below explaining what you love or hate about doing laundry. The winner, who must live in the U.S., will be chosen on January 16th at 12:01am. If you don’t win, keep in mind that Savionaire will be featuring future giveaways of all types of products.

Savionaire would like to send a big thanks to the good people at SmartKlean for sponsoring this contest

Update: Congrats to Amanda! Thanks to everyone who participated!

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Welcome to a new year and the first Ask Mistress Susan letter! Women, please take note that the issue discussed this week is NOT uncommon. This could this be your heterosexual husband/boyfriend.

Susan, I have been married for 15 years, but I have one strange vice: I love to wear women’s panties. My wife does not know because I wear them when she travels for her job. I have been wearing panties for many years; I find them exciting and comfortable. However, I know I should not by normal social standards. Any suggestions?~ B

Dear B,

The first rule of any flourishing relationship is COMMUNICATION. I have never seen a flourishing relationship that didn’t follow this rule. Anytime I get a reader who states “my wife does not know,” I get concerned. When issues are kept hidden from spouses, problems can eventually occur, especially regarding trust. You find panties “exciting and comfortable” the same way I find wearing a man’s boxers “exciting and comfortable.” The ONLY difference is “normal social standards” state that it is okay for a wife/girlfriend to want to wear her man’s boxers, t-shirts, or shirts around the house, but it is somehow unmanly or girly if a husband/boyfriend wants to wear his girl’s panties.

B, you are NOT alone. In my line of work, I have come across many, many heterosexual men, including manly men, who love wearing women’s panties for the same reasons that you do. It is NOT as rare as people think; men just don’t talk about it. For some men, it is something kinky to do that pleases them and spices up their sex life.

However, I do see your reluctance to tell your wife. It’s hard to say, “Honey, I want to wear your red bikini panties to work tomorrow. Okay?’ Not every woman is okay with her man wearing lingerie. Mistress Susan has a very healthy, positive attitude towards sex, so I don’t have a problem with my man wearing panties. However, I would question him about whether he is wearing them because he is interested in a transgender lifestyle or is he simply wearing them for reasons discussed earlier in this response. Even though I am very open-minded, I and the majority of women would NOT be interested in being in a relationship with a man interested in a transgender lifestyle.

B, you know your wife. If you think that she would freak out about you wearing lingerie, you need to plan your approach carefully and be prepared for the consequences. The flip side is she may surprise you and be open to your secret. I am a firm believer in never keeping secrets (picture Babyface singing this to you) when that secret affects the other person. As I said in my opening, the first rule of any flourishing relationship is COMMUNICATION.

Whip of Luxury,

Mistress Susan

Mistress Susan is a health nut, Certified Personal Trainer, and Phone Sex Operator. Email your sex-related questions, tips, or comments to askmistresssusan@gmail.com. Put “Ask Mistress Susan” on the subject line. Read the disclaimer in the right column under the Ask Mistress Susan section.

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As a certified personal trainer, especially around this time of year, I am always asked the same question over and over again, “What is the key to losing weight?” My answer: Only associate with those who have the same 4M as you. It takes mindset, motivation, momentum, and meditation to be successful at losing weight. Find a fitness buddy so that s/he can help you stay on track and cheer for you.

However, the more I thought about it, I realized that to be successful at anything, you need support from others who are on the same page with you; otherwise, they will drain you. Once your energy is drain, you cannot operate at your optimal level. Whether you are talking about succeeding at running your own business, being the best partner to your mate, parenting your kids, walking your spiritual path, etc., you must only associate with others who have the right mindset, are motivated, keep up momentum, and meditate on desired goals. Here’s to not only a successful 2012 but to a successful life! Whip of Luxury!

Mistress Susan is a health nut, Certified Personal Trainer, and Phone Sex Operator. Email your sex-related questions, tips, or comments to askmistresssusan@gmail.com. Put “Ask Mistress Susan” on the subject line.

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