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JANUARY 2005

Here is what you'll see in this issue of MyBabyConnection.com Newsletter

1. New Product Arrivals
2. Feature Products
3. Article: Top Ten Secrets to Avoiding "Marital Money Chaos©"
4. Hot Sites to See!
5. Motherhood Quotes

Please support our sponsors above.  MyBabyConnection.com would like to
thank them for allowing this monthly newsletter to be free of charge for
all subscribers!

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**BRAND NEW PRODUCT ARRIVALS***
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BabysFirstQuilt.com

A unique and very special crib quilt that is sure to become a
family treasure.  Our baby quilt is made with love fashioned in solids,
prints and satin trim. The center of attention is the adorable teddy
bear with Your Baby's Precious Face!!  What an unforgettable gift for
baby!

You have to see how adorable this is!
http://www.babysfirstquilt.com

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tinysprouts.com
"Personalized Hand-embroidered Keepsakes"

Tiny Sprouts is unique because all of our embroidery is custom made by
hand.   We can customize any product to your liking.  You choose the
product, the color of thread & what you would like on it.  We have
onesies, hats, bibs, pajamas & more!  FREE Shipping Too!

Take a LOOK at our Hand-embroidered Personalized Baby Keepsakes here:
http://www.tinysprouts.com
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BOOBYBEADS.com
"A Nursing  Mom's Best Friend"

Booby Beads, a nursing mom's best friend!  Hand-made colorful nursing
necklaces, made to stimulate & occupy your newborn, baby or toddler
while they are busy feeding. This helps keep them focused, minimizing
distractions that cause pulling away, pinching, biting and other common
nursing difficulties.

LOOK at our Beautiful Designs Here:
http://www.boobybeads.com


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**FEATURED PRODUCTS***
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OccasionEssentials.com
"One Stop Source for ALL Your Party Needs"

Check out our NEW  "My Lil' License Birth Announcement Permits" - A
Unique way to announce your baby!  Always cheaper and always better at
Occasion Essentials.
Rush orders available at no extra cost.

Stop by our website and take a look.
http://www.occasionessentials.com
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MiniTots.com
"Exclusive Baby Furniture at Low Prices"

Shop online for exclusive baby furniture, unique cribs and nursery
accessories, baby gear and lots of fun stuff for baby for the lowest
prices. Free Baby Registry, too.

Visit MiniTots to see for yourself our HUGE Selection:
http://www.minitots.com
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BLANKET WORX.com
"Put Your Baby's Face on a Keepsake Blanket"

There's nothing like a gift that says, You're special and one of a kind.
BLANKETWORX sells high quality custom-made knitted blankets and pillows.
We'll turn your treasured photographs into a lifetime of memories for
you and your family. All of our products are made in the USA.

Visit BlanketWorx.com today and imagine your baby's adorable face on a
cozy keepsake blanket!!
http://www.blanketworx.com

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**WANTED: PARENTS TO EARN EXTRA MONEY IN THEIR SPARE TIME**

You can improve your quality of life and contribute financially to your
household in just a few hours a day. We are a team of serious,
business-minded parents who work from our homes. This is a RISK FREE
opportunity.Free website, and unlimited support. You CAN do this!!! 

For more information go to http://www.4mykids.info/ and request more
information.

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**ARTICLE**
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TOP 10 SECRETS TO AVOIDING "MARITAL MONEY CHAOS©"

by Cindy Morus, Certified Financial Recovery Counselor, Certified Credit
Report Reviewer

Money can wreck a relationship. In fact, how they spend, save, and
account for money is one of the leading sources of disagreements between
couples. In almost every study, money ranks as the first or second most
argued-about topic for couples and partners. If you currently suffer
from "Marital Money Chaos©" you can follow these secrets and achieve
more financial success together than you ever could have dreamed. If the
two of you can improve your relationship with money, you will also
improve your marriage. Money can be romantic!
 
Secret #1: Know your spending style and your partners'
How many of you are married to your "Financial Soul Mate"?
 
The most common are spending styles are Spenders and Savers but there
are also the Procrastinators/Avoiders/Deal with it Tomorrow types and
the Money Meek/Humble/ personalities.
 
What are the benefits/good things about each style? What are the things
you call your partner when you fight about money?
 
Find ways in which you can take advantage of your personality strengths
and minimize the weaknesses of that style. In the best possible
scenario, you will both acknowledge your differences and move to the
middle.
 
Secret #2: Values Driven Spending
Values are different than goals
Values: Creativity, Freedom, Friendship, Financial Security
Goals: Be debt free, get a new car, and give more to charity
 
Take some time to choose your top 5 values and define each of them in
your own words. Share the definitions and use them to understand your
partner and what is important to them. If your partner's money behavior
confuses you, ask which value they are satisfying. They may be doing
their best, but their definition is different than yours. If you both
use the same value word but have different meanings, you'll have
conflict.
 
Secret #3: Have regular Money Meetings or Money Dates!
How many of you think that money is romantic? Actually, since couples
fight more about money than anything else (it is estimated that 80% of
divorces are the result of money disagreements), having an honest talk
about household finances might be better for your relationship than
anything else you can do! Financial well-being and peace of mind are
certainly romantic!
 
It doesn't matter how much money people have, money is a daily event.
That increases the chance of it triggering arguments and tension. Use
regular meetings as a way to avoid conflict
 
Secret #4: Enjoy the present and save for the future
Everyone needs to have their own play money. Ideally 5-10% of your
family's income should be set aside for play. What's the use of working
every day if you don't get to spend some money on play?
 
Secret #5: Have a needs/wish list for each person and for the family 
We all have things we wish we had and those we need to purchase. Check
your list on a regular basis so your subconscious can focus on other
things. It's also great fun to check off the things you take care of.
Great place to go to find out how to spend bonuses or other windfalls.
 
Secret #6: Divide financial responsibilities between partners 
Focus on each person's skills, interests and availability rather than
relying on out-dated gender stereotypes or how much money one partner
makes. Share what's going on with your partner during your monthly
meetings and make big decisions together.
 
Secret #7: Each person has some money they do not have to account for
This is probably one of the MOST important things you can do for your
relationship. No grown up likes to have to ask for an allowance or
justify every little expenditure they make. Determine in advance how
much money each person can "do with what they will" and no questions
asked. Savers can save, spenders can spend, procrastinators can leave it
in a jar and the money meek can feel free to give it all away.
 
Secret #8: Take action, one step at a time
I can guarantee that you will save $1000  1 year from today if you put
away just $2.74 per day. Where can you find $2.74 each and every day? Do
the same with larger goals. If you want to go on a $2000 vacation next
year, save $6 per day.
 
Secret #9: Learn something about money and finances every day
There are lots of good resources out there - websites, books, magazines,
classes. You can start at my website: www.cindymorus.com where I have
articles, calculators, book reviews and teleclass schedules.
 
Secret #10: Plan your spending and spend your plan
I know, no one likes the "B" word (I call them spending plans) because
they feel restrictive. Instead, plan your spending ahead of time and
give yourself permission to spend money in certain areas and get
creative about the areas where you choose to spend less. When we feel
like "going out" at our house, we have "no silverware dinner" of ribs,
french-fries and artichokes. We spend the time enjoying ourselves and
creating memories without spending a lot of money. I bet you can do the
same!
 
c) Phelps Creek Financial Coaching - All Rights Reserved
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Cindy Morus (www.cindymorus.com) is a Certified Financial Recovery
Counselor specializing in showing women and their families how to
achieve financial well-being and peace of mind. She is also a Certified
Credit Report Reviewer. Contact her at 541-387-2995 or
cindy@cindymorus.com. Get a free copy of the "Secret Credit Card
Interest Negotiating Script at: cmorus-91813@autocontactor.com!


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BABYS FIRST QUILT

A unique and very special crib quilt that is sure to become a family
treasure. Our baby quilt is made with love fashioned in solids, prints
and satin trim. The center of attention is the adorable teddy bear with
your baby's precious face. What an unforgettable gift for baby! 
http://www.babysfirstquilt.com

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*HOT SITES TO SEE*
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Kids N Style - http://www.kidsnstyle.com

Next Step Baby Monitors - http://www.nextstepBabyMonitors.com

J & J Intricate Designs - http://www.jjintricatedesigns.com

Basically Blankets - http://www.basicallyblankets.com

Booby Beads - http://www.boobybeads.com

Linda Jordan Pregnancy Portraits - http://www.ljordanphotography.com

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MOTHERHOOD QUOTES
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Everybody knows that a good mother gives her children a feeling of trust
and stability. She is their earth. She is the one they can count on for
the things that matter most of all. She is their food and their bed and
the extra blanket when it grows cold in the night; she is their warmth
and their health and their shelter; she is the one they want to be near
when they cry. She is the only person in the whole world in a whole
lifetime who can be these things to her children. There is no substitute
for her. Somehow even her clothes feel different to her children's hands
from anybody else's clothes. Only to touch her skirt or her sleeve makes
a troubled child feel better.
- Katharine Butler Hathaway


The love of husbands and wives may waver; brothers and sisters may
become deep-rooted enemies; but a mother's love is so strong and
unyielding that it usually endures all circumstances: good fortune and
misfortune, prosperity and privation, honor and disgrace. A mother's
love perceives no impossibilities.
- Paddock

Making the decision to have a child - it's momentous. It is to decide
forever to have your heart go walking around outside your body.
- Elizabeth Stone

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March 2005 will be the Next Drawing for Prizes below: 

   FREE $10 WALMART GIFT CERTIFICATE FOR DIAPERS
   FREE CHILD DEVELOPMENT PROGRAM from MyLittleSteps.com
   FREE $20 GIFT CERTIFICATE  from MyMiracleBaby
   FREE BABY SONGS VIDEO from BabySongs.com
   FREE PERSONALIZED INFANT RECOGNITION VIDEO from InfantRecognition.com


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author to reprint any of the above information.

Michelle Floyd
www.MyBabyConnection.com
Connecting YOU to the Best Baby Sites on the web!

 The Best Baby Sites are on MyBabyConnection.com