Daily Preparedness

One of the most common medical errors that can lead to serious illness or even death is one that you can help prevent. Approximately 1.3 million Americans are injured annually due to errors in the administration of medications. Though many of these errors occur in hospital settings, many occur in our own homes. The vast majority of these errors can be prevented by YOU and those you love. What can you do to protect yourself?

1. Know that the elderly and chronically ill are the most likely to be victims of medication errors. Both groups are most likely to have a larger than average number of prescription medications prescribed for them.

2. Children may be at a higher risk because their smaller body size makes it more likely that a dosing or drug interaction error will cause serious harm or death.

3. FULLY UNDERSTAND that medication errors can be fatal.

4. When prescribed a medication, be certain that the doctor explains why you are being prescribed this medication, what the medication should do for you, what the side effects are and how you should take the medication. For instance, should it be taken with meals, before a meal, at bedtime, etc.

5. Always provide every health care professional (including the pharmacist) with a complete list of ALL prescription medications, over-the-counter medications, supplements, herbal products, homeopathic remedies and vitamins that you take. Include the name of the medication, the dosage, how long you have been taking it and the medication’s use.

6. Understand that there is limited, peer-reviewed science based research into the interaction of herbal products, supplements and homepathic remedies. Most of these substances are NOT tested by independent peer-reviewed research nor their quality and potency regulated. Be certain that you fully research any ‘natural’ product that is recommended to you. Many of these products are the ‘natural’ version of powerful prescription medications. For instance, foxglove is merely natural digitalis, which can alter heart rhythms. Echinacea can lead to permanent liver damage, especially if used in combination with other medications/supplements. Prescription medications can interact with a wide range of products and there is, again, limited knowledge as to the interaction of prescription (or over-the-counter medications) and ‘alternative therapies’. Even simple vitamins can lead to overdoses and drug interactions.

7. Before taking a new medication, know how the drug is supposed to help you and all possible side effects.

8. Know what your medications look like. If you receive a new prescription and the medication looks different, do not take it until you speak with a pharmacist. Preferably, the pharmacy will have alerted you to a change in the appearance of your medication.

9. If hospitalized, ask what each medication you are being given is and what it is for. Competent staff will tell you the name of the medication before giving it to you. If they do not, be extra cautious. Again, if the medication looks different than what you normally see, ask!! Know what the dosage prescribed is. If something seems ‘off’, stop and ask to speak to a supervisor. My daughter was nearly killed in a hospital when a nurse attempted to administer 100 times the prescribed dose of a pain killer. The nurse had ‘misread’ where the decimal point was.

10. If the dosage and frequency of taking a medication is different than your physician told you, ASK questions!

11. Be certain that you are taking your medications exactly as prescribed. Regularly review the instructions on your prescription bottles!

12. If you take multiple medications, or care for someone who does, consider using a medication minder container. Many types are available at a variety of price points. These specially designed containers can be a great help in being certain that you are taking your medications as prescribed. This is vitally important for the elderly or anyone who may have memory issues.

13. Periodically review with your physician the medications you are taking. Each office visit should include a review of your medication, including when you need a new prescription written. Again, the elderly are most likely to have too many medications prescribed for them, often creating secondary problems. If a new symptom appears, ask the pharmacist if this could be a reaction to a medication.

14. When prescribed a medication, ask if there is a generic alternative which may save you money. Often, prescribers will merely write for the newest medication when an older, proven medication may work just as well. Also ask if there is an alternative to medication. Could you achieve the same results through lifestyle or diet changes?

15. Choose carefully and use one pharmacy for all of your prescriptions. Some points to consider when choosing a pharmacy:

• Is there a pharmacist available to answer all of your questions?
• Know the role of pharmacy technicians. Though they may perform many tasks within a pharmacy, including accepting prescriptions from you, they should not be answering questions about your medication’s interactions, uses and side effects.
• Does the pharmacist have time to talk to you in person or on the phone? If not, they may be over-worked which leads to more errors. Some pharmacies evaluate pharmacists on the number or prescriptions they fill per hour, not the number of customers they serve.
• Does the pharmacist answer your questions about drug interactions? If you are on medications for serious pain, heart problems, liver disease or kidney disease (or other serious long-term illnesses), be certain that you ask the pharmacist before taking over-the-counter, herbal or supplement preparations. Pharmacists should be able to answer your questions, with the exception of some herbal & ‘natural’ remedies that have not been well researched.
• Is the pharmacy efficient? Are prescriptions filled when they say they will be? An efficient pharmacy should be able to estimate when your prescription will be ready and alert you to possible delays. If they are chronically misrepresenting the time it will take to fill a prescription, they may be over-worked, under-staffed and more prone to errors.
• Can you understand the pharmacist? You should be able to freely communicate with this important member of your health care team!
• Be certain that the pharmacy has up-to-date software that warns of drug interactions, low/high dose alerts, LASA error checking (Look alike/sound alike) and patient allergies. Be certain that the pharmacist is aware of your drug and food allergies. Some food allergies can significantly impact the medications you can be prescribed.
• Is the pharmacy concerned with your privacy? Pharmacy staff should never announce the medication they are filling for you in a way that others might over hear.
• Does the pharmacy alert you when the appearance of your medication has changed?
• Does the pharmacy provide you with an information sheet that describes the appearance of your medication, possible side effects and uses of the medication?
• Does your pharmacy communicate efficiently with your physician’s office? Some communication errors are due to delays in the doctor’s office, but pharmacy staff should be able to up date you on their progress.
• Does your pharmacist relay information to you effectively? If they say they will get back to you, do they? Do they call you if there is a problem with a refill?
• Will your pharmacist attempt to answer your questions with research? We have had multiple times where a great pharmacist will go to extraordinary lengths to be certain that a medication is safe. This has included the pharmacist calling the pharmaceutical company for further information. This type of dedication can, literally, safe your life and you SHOULD EXPECT IT!
• Remember that the pharmacist is your safe guard when it comes to medications! They should have the most up-to-date and effective means by which you can be protected from possible allergic reactions or drug interactions. They are the trained professional when it comes to medication management!

16. Keep your medication information confidential and safe. Remove prescription labels from empty bottles before discarding. Likewise, shred information sheets or other paperwork that details what medications are in your home. Do not discuss publicly or post online medications you take. Theft of prescription drugs is on the rise.

17. Teach your children to never take medication (again, including ‘natural’ products) from someone other than you or a licensed health care professional.

18. Discard of out dated medications safely. Be especially vigilant about medications you may not take regularly, such as epi-pens or inhalers. Check their expiration date and get refills when needed.

19. Store your medicaitons safely. Know if the medication needs to be refrigerated. In general, most medications need to be protected from moisture, light and extremes in temperature.

20. Don’t run out! Be certain to carry vital medications with you and refill your prescriptions BEFORE you run out. Most insurers will allow you to refill a prescription seven days prior to the day you will run out.

21. KEEP YOUR MEDICATIONS OUT OF THE HANDS OF CHILDREN! Keep all medications, including vitamins, away from children. Be certain that visitors to your home safe guard any medication they have. Many children suffer overdoses while exploring Grandma’s luggage or purse.

Though there are many medical errors we cannot prevent, medication errors can often be prevented through our own vigilance, common sense and just a bit of time. Be wise, be cautious and be healthy!

New Year’s Resolutions–easily made, quickly forgotten and fodder for guilt! Instead of feeling bad about yourself when April arrives and your resolutions are all but forgotten, set goals that will allow you to slowly but surely attain a more provident lifestyle. The changes need not be drastic or accomplished all at one time. Provident living is not a one-time event, but rather a mindset, a lifestyle, a commitment to viewing today in context of the years that lie ahead. No matter where you are on the Provident Living Spectrum, making consistent changes will brighten your tomorrows.

As you evaluate where you are, consider these dozen ideas:

1. Debt: If you are out of debt, stay out! If you are in debt, resolve to acquire NO further consumer debt and pay down your debt as quickly as possible. Tell yourself ‘No’ frequently until your debt balance is at zero. Buy used and apply the savings to your debt load. Put away the credit cards and pay cash. Do whatever you have to do to get out from under the slavery of debt.

2. Savings: Pay yourself each payday. Save whatever you can, wherever you can. Keep your savings in a secure, insured account. Teach your children to save and to be wise consumers.

3. Employment: Be certain that your resume is prepared and up-to-date. Improve your skills and be on the look-out for employment opportunities. If you are threatened with unemployment, begin your job search before you are laid off. Let everyone know that you are looking for employment!

4. Education: Be certain that your children understand the value of obtaining the best education possible. Teach them from middle school on that what they do in the six years after elementary school will affect their ability to be admitted to college and win scholarships. Help your teens find every scholarship opportunity possible. Teach your teens about the dangers of acquiring unnecessary student and credit card debt. If you need to return to school, seek grants, scholarships or employer-funded opportunities. Continually learn new skills that will help you live providently: gardening, canning, home repairs, computer skills, sewing, baking, cooking, etc. Be certain that every member of your family has the necessary life skills to enter the world prepared to be self-reliant.

5. Be a wise steward: Take care of what you own so that it will last and serve you well. The greatest ‘green’ thing you can do is to make what you have last as long as possible.

6. Prepare for ‘everyday’ emergencies: The largest percentage of ‘emergencies’ that we will face are the ‘everyday’ sorts–unexpected illness, injury, a flooded basement, etc. An orderly life and home makes it easier to deal with these types of events. Train your family to keep the home running smoothly. Have extras at home–extra cash, extra food, extra cleaning supplies. Know where your important papers and phone numbers are. Evaluate the most likely larger emergencies you might face and prepare with evacuation kits (72-hour kits or Bug Out Bags), emergency supplies such as first-aid kits, extra lighting, cooking, etc. ‘Prepare every needful thing…’

7. Store food and essential supplies: Even if you purchase and set aside a few canned goods each shopping trip, build a supply of food that you can rely on. Begin by purchasing ‘everyday’ foods until you have a 3-month supply. Store some water, extra hygience products, laundry soaps, etc. When you have accomplished your 3-month supply, slowly acquire long-term staples such as grains, sugar, salt and powdered milk.

8. Develop emotional resiliency: Learn to take the upheavals of life in stride emotionally (which is easier when you are living providently). Learn to appropriately deal with stress, anxiety, disappointment and develop a support structure that will assist you. Develop a greater faith and testimony of the eternal nature of your life so that the daily ups and downs are seen in the proper perspective. Learn to laugh. If you need professional help, seek it from a trained professional that shares your core values.

9. Build your spiritual muscles: Like physical muscles, spiritual muscle must be built over time. Do not wait until the tempest is raging to learn to seek Divine Guidance and Strength. Serve others and forget yourself as you lift another.

10. Practice Prevention: Prevent accidents whenever possible. Make your home and your car as safe as possible. Teach your children to behave appropriately and how to react to danger. Seek preventative medical care from competent professionals. Think before acting and research before leaping!

11. Plan ahead: Live today fully, but look towards the future. Plan economically, physically and mentally for events that you know will occur. Whether it is a birthday, Christmas or retirement, many of life’s events can be accurately predicted and planned for. Continually living in a state of ‘last-minutitis’ increases stress and nearly always results in frayed nerves, greater expenditures and wasted effort.

12. Practice happiness: Happy people are more likely to successfully navigate the world without relying on impulse buying, addictive substances or other self-destructive behaviors. Find joy in the simple things of life and make your home a haven from the cares of the world. If your home is a simple cave, make it the brightest, happiest, most laughter-filled cave imaginable.

Provident Living is not a drudgery or ‘doomsday’ way of looking at life. Rather, it is the best guarantee that you and those you love will be safe, secure, strong and happy no matter what life throws your way. Make 2010 a year in which you embrace and find joy in being not only self-reliant but able to reach out to others. In that, you will find the greatest of joy!

Thanksgiving is nearly here–time to review safe turkey handling procedures. Serve up a feast, not a germ-fest by following these simple guidelines:

• Turkey is nutritious, low in fat and freezes well. Purchase an extra one at the season’s rock bottom prices and store in the deep freeze for nine months to one year. After that time, quality will begin to go downhill.
• Safe food handling is CRITICAL! Don’t fall into the ‘but my mother did it this way’ trap.
• If purchasing a fresh, never frozen turkey, purchase it only a day or two before Thanksgiving. Most stores allow you to reserve a fresh turkey. Purchase it last at the store and get it into the refrigerator at home quickly. Keep a tray under it to catch any drippings.
• Never purchase a pre-stuffed fresh (as in not frozen at the store) turkey.
• There are safe, FDA-approved frozen pre-stuffed turkeys. Follow instructions for these birds religiously.
• Allow plenty of time to defrost your turkey in THE REFRIGERATOR. Place turkey at bottom of frig with a drip tray under it.
• ALWAYS WASH HANDS BEFORE AND AFTER HANDLING THE TURKEY, EVEN IN THE PACKAGING.
• Never thaw a turkey on the counter. If you must rush the thawing process, keep the bird in water that is less than 70F. Change water every 30 minutes.
• Keep raw turkey away from other foods.
• Clean all surfaces that will come in contact with the raw bird–before and after contact!
• Remove packages of turkey ‘extras’ from both cavities of the bird.
• Consuming stuffing baked in the bird is a great way to contract a multitude of food-borne illnesses. Instead, stuff the turkey with ‘throw away’ items to keep the meat moist and bake your stuffing separately. The tops of celery, wilted lettuce, even apples are great things to stuff the turkey cavity with.
• If you absolutely insist on eating the stuffing from inside the bird, use a reliable meat thermometer to make certain that all inner parts of the stuffing have reached at least 165F. As an added precaution (but still NOT recommended) you can remove the stuffing, place in a baking dish and return to the oven until it reaches 180F.
• DO NOT cook your turkey in an oven below 325F. Some of the slow cook methods allow parts of the turkey to remain at too low a temperature to kill off harmful bacteria.
• Use a meat thermometer to check the internal temperature of the turkey in multiple deep locations, such as the thigh joint. Even if the bird has a pop-up indicator, double check for yourself. Reliable digital meat thermometers that can sit outside your oven and alarm when a desired temperature is reached can be purchased for well under $20.
• You can safely let the turkey sit after roasting for 20 minutes. The maximum amount of time, in a cool room, that the food should be left out is two hours. Timing begins as soon as foods are removed from the oven or stovetop.
• Keep foods warm during dinner utilizing hot plates, warming trays, etc.
• Quickly refrigerate leftovers in small packages, spread out within the refrigerator. If your refrigerator is fool or leftovers are extremely warm, pre-cool them by immersing the sealed container of leftovers in a large container of ice.
• If you want to get a head start, prepare turkey stock this week. Freeze after cooled and you have the beginnings of gravy. You can also thicken the stock before freezing. Add this to the ‘brown bits’ in the bottom of your turkey roaster on Thanksgiving Day.
• Eat up leftovers quickly. Stuffing, pies, meats and gravies should be eaten with three to four days. Reheat only the amount you will eat at that meal. Freeze what you will not eat within the prescribed amount of time.
• THIS WEEK, check the temperature of your refrigerator to be certain that it is within the safe range–lower than 40F. Your home freezer should be 0F or lower.

Have a safe, happy and healthy Thanksgiving!

——-This week’s 10×100 Challenge Goals ———

The world is busy with its own cares, sorrows and joys, and pays little heed to you. There is but one great pass-word to success,—self-reliance.” William George Jordan

You need not scale the mountain in one day, merely take a little step forward.

57. Add some cash and quarters to your glove compartment. An empty prescription bottle or tube from mini-M&M’s work well.

58. Check outdoor walkways. Are they clear? Free from tripping hazards? Cracks?

59. Mail holiday gifts early to avoid paying express shipping charges.

60. Gather up your candles and see if you have enough to provide some light for 7-days. Store some matches (more than you think you need) with the candles.

61. Refill BBQ propane tanks if you have them.

62. Clean one pantry shelf. Move older food to the front.

63. Clean out your refrigerator. Discard old food and mark food that needs to be eaten up.

The costumes are put away, the jack-o-lanterns wilting and Thanksgiving is around the corner. It is time, once again, to consider the impending holiday season. This year the great majority of folks are wondering if reality is going to cause us all to turn into Scrooge! There is no need to fear being haunted by the ghosts of Christmas, no matter what your economic situation, if you but plan ahead, use a dose of creativity, think clearly and start NOW to wish those you care about a Merry Christmas, Happy Chanukah, Kwanzaa or whatever you celebrate.

The first step is to BEGIN NOW–if you haven’t already. (You really smart people took our advice last year and may have a running head start on your holiday planning. Wahoo for you!!) For those of you that were a bit slower on the uptake, go back and read last year’s holiday missive first:

Warning: Holidays Ahead!!

NOW, we are ready to move forward to Post-Graduate Holiday Planning. Never willing to rest on our laurels, we are forging ahead to find even more creative way to be kindly, loving, generous and thoughtful — while maintaining our economic equilibrium– for the happy days ahead. Follow these easy tricks and earn your Masters of Generous Frugality:

1. WHAT YOU HAVE: First and foremost, do a solid inventory of what you have on hand. What supplies do you have that could be turned into gifts? Old jeans? Google how to make a tote bag or re-usable shopping bag utilizing these ’scraps’. Plain candles? Can you decorate them? Containers? Fill them up with a treat you make or buy for next to nothing. Plain paper or note cards? Turn them into Christmas cards. Write a Christmas letter and forget the card!

Need supplies to complete your project?  Michael’s and JoAnn’s will email you coupons nearly every week that give you 40 to 50% percent off your purchase.

2. COUPONING: Even those who do not regularly use coupons might want to reconsider for the holiday season. Expecting a lower than average holiday surge of shopping, companies right and left are offering up some fantastic savings on toys, games and gift ware. This week, games can be purchased for $1. Sit ‘n spin for $6.14. Many of these coupons are available online and several enterprising websites offer you not only the opportunity to print the coupons, but team the coupons up with store specific sales. These sites save you time and money! A few to check out are:

http://www.dealseekingmom.com/  This intrepid coupon and bargain shopper does a great job of keeping you up-to-date on current coupons and deals. If you browse the site a bit, you can learn how to get items for FREE and even get money back. Read up on how to play the Drugstore Game–she’s amazing (and that is a compliment coming from this veteran bargain shopper). Sign up for her email alerts and she will send you regular updates. I’ve tried her approach and it does work.

http://attentiontargetshoppers.blogspot.com/ Another great site that combines coupons with sales. I learned that you can ’stack’ coupons! You can use a Target coupon and a manufacturing coupon to often score free or nearly free items. Offers that combine coupons with purchases rewarded with a Target gift card are also highlighted. One listing today is for a free portrait sitting and 8×10 (or 2 5×7’s, wallets, etc) at a Target photo studio. Have a little child and grandparents? You have a great gift for free!! Ginger also points out other offers.

Follow some of the other couponing links on these sites and be amazed at the time and money these sites can save you!

3. FREEBIES: Using the sites listed above (and similar ones) you may be surprised at what you can get for free. Don’t forget other introductory offers, samples and ‘gift with purchase’ items. For instance, the Kodakgallery.com is giving away a MILLION $15 gift certificates. It is easy and they actually have gifts for $15. Shipping charges are super low.

Look for offers everywhere you shop. Today, I ordered 5 blouses and 3 pairs of pants on clearance (total of $35 with shipping) AND received a $30 gift with purchase–an item I had planned to buy for a family member.

Walmart.com provides regularly changing links to sign up to receive a variety of free samples, many of which are suitable for stocking stuffers or to fill that gift with purchase cosmetic bag. Give the filled bag to a traveling friend, relative or the college bound student. ‘Tween girls would also love such a gift!

Join freecycle.org and trade useful items with your community. Need jars to fill? Ask on freecycle. A glue gun? Ask on freecyle. Daily postings are emailed to you and the items offered are absolutely amazing.

3. GOT CHILDREN? If you have a young child and extended family that thinks your child is absolutely amazing (and of course they are right), you have low cost or free gifts at your fingertips. Print out low-cost or free (see Kodak Gallery listing above) photos of your child. Turn them into simple ornaments (get supplies for free or 50% off using coupons), frame them in repurposed frames or simply mail the photo with a loving letter of all you learned about parenting from the family member. Adhere photos to magnet strips to create instant refrigerator art: Keep all of those advertising magnets you get, apply double stick tape or permanent adhesive spray, attach the photo and trim around the child’s face.  What Grandparent wouldn’t love that? If your child is older, enlist them in designing and making frames or other gifts such as ‘raggedy reverse applique’ items. Old blue jeans can be turned into charming frames. Simply browse the internet for loads of free ideas and instructions.

4. FOOD STORAGE: Ever thought of food storage as a source for gift giving? Your storage can work holiday magic in multiple ways. First, cut your grocery bill this season by utilizing food you already have stored. If you have the basics stored, you should be able to produce baked goods to give as gifts. When I had four children in school and lived on a single income in a high cost area, I began baking a super simple French bread recipe for my children’s teachers and school staff. The hot bread was wrapped in simple brown kraft paper that I had on hand and tied up with raffia (that I had on hand).  A small gift card signed by the appropriate child was attached. The hot loaves were delivered over a two day period at the end of the school day and were very well received. Out of pocket expense? Zip! If you don’t want to bake, save some empty jars (or score free canning jars on freecycle) and fill with food storage ingredients for bake-it-yourself cookies, soups, granola or other mixes. Grab some powdered milk, cocoa, sugar and make hot chocolate mix. Package it up and place in a mug with a cute tag. Again, recipes are free online. (Note: Do NOT follow instructions for ‘canning’ cakes in jars. It is a recipe for botulism which is NOT a nice gift)

Have wheat or rice? Sew up a small fabric bag (recycle old clothing, sheets, etc. if you don’t have yards of fabric) and fill with wheat or rice. These bags are then heated in the microwave and provide soothing relief for sore muscles. The first batch I made disappeared when a bunch of house guests fell in love with them. (No, they didn’t steal them, but I couldn’t say no to their requests to take their new found best friend home.) A deluxe version would include a small case for the bag.

5. POST HALLOWEEN & ‘AUTUMN’ CLEARANCE: Scoop up clearance rack candy that isn’t wrapped in Halloween wrappers, solid color candles, baskets and simple wreath forms after the 31st. Also check for totes in Autumn colors, gold colored napkins, plates, containers & mugs as well as baking mixes. Many will be 90% the week after Halloween. Put some candy in a jar, container, mug, basket or even ziploc bags to share with co-workers, doctor offices, neighbors or anyone else you need a gift for. Don’t forget to save some for stockings. Take a plain candle and glue gun candy canes or twigs around the edge–you have a lovely ‘designer’ look for pennies. For a more elaborate gift, place candle in a basket with some cloth napkins, napkin rings or other hostess items. Children have too much Trick or Treat candy? Save some for gingerbread houses and other holiday decorating. Don’t forget to check your grocery and drug stores for clearance items!

6. GROCERY STORES. Always check their clearance racks for specialty gifts. I recently found cedar wraps, a perfect gift for my gourmet brother, marked down 90%. I’m still hunting the library book sale for a great cookbook to go with it. Next to the wraps were gorgeous napkin rings (see above) at 90% off!

7. MAKE IT A GAME. Is everyone on a tight budget? Admit it and make gift giving more about the thought than the expense. One of my brilliant daughter-in-laws came up with a game we participated in for several years. At Thanksgiving, we all drew names of other family members. Between Thanksgiving and Christmas, we had to find a gift for the person we drew that did not exceed $1 in cost. The gift had to be purchased at a dollar store, thrift store, used book store or yard sale. I was not allowed to purchase items on clearance racks–the family decided that was an unfair advantage.  ;( We exchanged the gifts on Christmas Eve and it was GREAT fun! Some of those $1 gifts required much, much more thought than simply running to the nearest store and buying whatever we thought the person wanted. One son found three books his person really wanted at a used book shop. Another son and daughter-in-law announced an upcoming grandchild utilizing a dollar store frame. The key is imagination and thoughtfulness.

8. EBATES, REBATES AND REWARDS. As you shop, get the most benefit from every dollar you spend. Sign up for sites such as ebates.com, that rebate a portion of purchases you make at participating merchants. Extra discounts are also available from many of these sites. If you utilize a credit card (which you pay off every month) that offers a cashback or other incentive, you have furthered your spending power. To top it all off, look for manufacturer’s rebates. Savvy shoppers can recoup a sizable portion of everything they spend. On the purchase noted in #3 above, I will receive a 4% rebate from ebates.com in addition to 4% from my credit card. 8% isn’t much on a $35 purchase, but those rebates do add up.

9. DIY. A handmade gift shows not only generosity but true thought as you give of yourself, your time and your talents. One of the most beautiful art bowls I have ever seen was a thank you gift given to a neighbor. The neighbor had cared for the children of a very cash-strapped friend. As a thank you gift, the dollar-poor but grateful woman cut strips of wool from several old, worn pieces of clothing and wove the richly colored strips of fabric into a beautiful bowl. The out-of-pocket expense was zero and yet a wonderful piece of art was created. No matter what your talents, sharing them with love is a gift of great worth. Teaching our children to cherish a handmade gift blesses them with a greater appreciation of the true meaning of gift-giving.

10. MAKE THE SIMPLE MEANINGFUL. Turning a simple, inexpensive item into something meaningful elevates the gift to a true expression of love. One Christmas, a friend of mine cut out simple wooden heart ornaments, stained them, added a ribbon and a small poem about following the star of Bethlehem. Though the ornament alone was lovely, the poem added great meaning to the gift. I have also seen inexpensive cookie cutters in significant shapes turned into an ornament with a piece of ribbon. Add a poem or quote and you have a thoughtful gift!

11. START A TRADITION. Traditions can build family unity, bring meaning to holidays and bind us through the generations. Begin a traditional gift that you give each year. As grandchildren appeared in my extended family, one sister began the tradition of giving each child a yearly Christmas ornament. Each year’s ornament was inexpensive, unique, labeled with the child’s name, the year and embellished in some way by my sister. The children entered adulthood with their own collection of ornaments. Another aunt I know gives each niece and nephew a book. Another sews simple pillowcases. Such a tradition allows you to plan ahead, keep spending under control and still remember family members and friends in a meaningful way.

12. FAMILY HEIRLOOMS AND HISTORY. If you are the keeper of family heirlooms, consider giving some as gifts to recipients that will appreciate them. My Mother has begun doing this recently, gifting beautiful items from our family history to grandchildren that will appreciate them. She is cautious that the recipient will treasure the item and keep it to be passed on to the next generation. If you have valuable family history, genealogy records or a compilation of family stories, consider copying these papers, placing in a binder and passing them on as gifts. If you are a grandparent or great-grandparent, your own life story would be a wonderful thing to write, copy and give as gifts. Gather family recipes and copy them for family members. Add small stories about the origin of the recipe or the person who submitted it.

13. THINK VINTAGE. ‘Vintage’ items are quite the rage in fashion and home decorating. Find interesting items in consignment shops, thrift stores, yard sales or your own belongings. Grandma’s mid-century costume jewelry may be just the thing for the fashion forward college student. Make sure the item is clean and suited to the recipient (which every thoughtful gift should be).

14. USED STUFF WITH MEANING. Thrift stores, consignment sales, freecycle and yard sales can yield more than a slightly stained shirt. Look for interesting mugs, plates that could hold cookies, tea cups that could be turned into a pin cushion, lovely old spoons for that hot chocolate mix, interesting old frames for those free photos you are going to print, scrapbooking papers for interesting wrapping, rubber stamps to decorate plain paper, vintage photos to be cut up and used to decorate a plain box, small pieces of unusual jewelry, out of print cookbooks, old kitchen utensils, bowls to go with soup mix from your food storage or baskets for holding a loaf of bread. Don’t be afraid to haggle over prices and look beyond the obvious use for an item.

15. SHARE A HOBBY. Do you have excess craft or hobby supplies? Enough to share? Consider putting together a small kit to share your hobby with a child, teen or another adult. Offer free lessons to go with the kit or find a book with simple instructions.

16. GROUP GIFTS PART ONE. The first type of group gift is when multiple people share the cost of one great item. My brother and I have done this on multiple occasions in order to give my Mother a gift we know she really wants, but is a bit out of our singular price range. Even if the price tag is low, a gift that requires a great deal of time could be shared between multiple family members. Family history, anthologies of creative writing, photo albums, remembrances and other such gifts can be given by a group of people and hold great meaning for the recipient. Perhaps each child and grandchild in a family could write an article or personal letter about a favorite grandparent. One family member can assemble the offerings into a notebook. This type of well-thought out and loving gift would certainly brighten the holidays of an elderly family member.

17. GROUP GIFTS PART TWO. Consider ‘family’ gifts instead of individual gifts. A game that the entire family can play, a movie or other item that all can share (and would want to enjoy) is a way to give a nice gift at a lower cost. Packaging can make the gift more interesting, such as a movie, a ‘theater sized’ box of candy and some microwave popcorn packaged in a popcorn box shows more thought than simply wrapping up a DVD.

18. SHIP EARLY, SHIP SMART. As you choose meaningful, budget-appropriate gifts, keep in mind any shipping needs. Keep items light weight and not over-sized. If the family gathers from far and wide for Thanksgiving at Mom’s house, have everyone’s Christmas gifts ready for them to transport home. Ship everything early and compare rates. FedEx often beats the post office and if you open an account at fedex.com, you receive a discount.

Whatever tactic you use to keep your holiday meaningful and budget-conscious, plan ahead, give sincere thought to the recipient and remember that the most meaningful gifts are those given from true, sincere love.

—————-

Self-reliance can be accomplished by small steps taken on a regular basis. This week’s 10×100 Challenge Goals:

43. Add a first aid kit to your car pack.

44. Stick a set of fuses in your car pack.

45. Put a flashlight in your car pack. Package the batteries outside of the flashlight.

46. Add a flare to your car pack.

47. Add a can of Fix-a-flat to your car pack.

48. Check your spare tire & tire iron.

Note: I read an article by an infectious disease specialist who recommended that in addition to routine hand washing, have all members of your family wash their hands and gargle with either warm salt water or antiseptic mouth wash whenever they return home. Nasal passages can be cleaned with a neti pot or saline spray. These measures help to remove the viral agents from areas of our bodies where they grow. Gargling and saline spray can also be done mid-day while at work. The recommendations are logical and inexpensive!

Note: President Obama today (October 24) declared the H1N1 a ‘National Emergency’. It is too early to know how this declaration will affect our daily lives, but it would be wise to be fully prepared to be self-sufficient within your home and watch for news updates.

Epidemic, pandemic…the news throws the words around so often now that we may become immune to the reality of what these words mean and how they may affect us. What do we really need to know and what can we do to prepare ourselves?

First, we need to understand what the words mean.

An epidemic is the occurrence of more than expected number of cases of a disease within a community or population, within a given amount of time.

A pandemic is an epidemic spread out over a larger geographic area such as a state, country, nation or the world.

Not all epidemics or pandemics are deadly, but they can disrupt not only the lives of the ill, but society as a whole.

Epidemics are often, hopefully, prevented by administering vaccines. These vaccines are often developed to protect the population rather than just the individual. If a large enough portion of the population is vaccinated against a specific disease, the illness will not spread as quickly or virulently.

Some vaccines are given not for the benefit of the person receiving them, but for others around them. An example of this is the Rubella vaccine. Rubella is a highly contagious, non-serious disease common among children. However, if a pregnant woman contracts Rubella in the early stages of pregnancy, the fetus is likely to have severe and life-threatening defects. Thus, children are vaccinated not to protect them, but to protect unborn fetus’.  By doing so, epidemics of Rubella, which result in large numbers of babies born with serious birth defects, are prevented through mass vaccination.

Epidemics are a ‘fact of life’ in human history. Prior to the advent of international air travel, world-wide pandemics were less common but have occurred. The risks of a pandemic today are much higher, mainly due to the ease with which people travel around the world quickly. Where our predecessors took weeks to cross the ocean (during which time illness became apparent and ill individuals were refused entry), we now span the same distance in hours, with little or no screening for infectious diseases. A symptom-free, but contagious individual could easily board a flight in Europe, infect a large number of people on the airplane and hours later be in the U.S. The fellow passengers on the flight are most likely to disperse to any number of final destinations, carting their luggage and pathogens with them. The seeds of a pandemic are now sown.

Let’s imagine the reality of being caught in an epidemic or pandemic. What could we expect and how can we prepare? (Having lived through a several months-long epidemic, I will draw on my own experience and the research I have since done.)

Depending on the seriousness of the disease, an epidemic in its infancy may not be sufficiently reported. It may take time for cases to be reported to health authorities and the medical community may be slow to ‘connect the dots’. Let us examine several scenarios– a small scale epidemic, a regional epidemic and a true pandemic. How do you recognize each, how would your life be impacted and what can you do to prepare?

A SMALL SCALE EPIDEMIC

Scenario: Among a group that you belong to, a school, church, workplace, organization, etc., members become ill in fairly rapid succession. It may begin with one or two, but spreads among the membership. Each member goes to a different doctor, so no single doctor knows that others are infected with the same illness. Remember, an epidemic is an unusual number of cases of the same disease. In this scenario, we will assume that the illness is serious enough to require medical attention and some hospitalizations occur. You hear reports of a death from the illness.

What can you do as an organization?

1. Track outbreaks and should there seem to be an epidemic occurring, act quickly.

2. Survey members of your group to see how many are ill and what their symptoms are. If the symptoms are gastrointestinal and all occurred within a short period of time, check the calendar to see if a meal was shared. If so, you likely have an outbreak of food poisoning. In that case, let membership know and have them seek appropriate treatment. If the illness is NOT food related, continue on:

3. Cancel group meetings if you suspect an outbreak within your membership.

4. Notify all members of your group of the outbreak of the illness, including the symptoms and where to seek help.

5. Stop the delivery of meals, contact, etc. among the members within your organization.

6. Sanitize the structure you meet in. Utilize antiseptic cleaners, spray disinfectants, etc.

7. Reinstate meetings, etc. only after you are certain that the outbreak has stopped. Membership should be free from new cases for several days past the suspected incubation period of the disease.

8. When meetings are begun again, utilize appropriate infection control, such as emphasis on hand washing, no handshaking, asking anyone feeling ill to stay home, hand sanitizers available and an emphasis on cleanliness, especially with any form of food preparation.

9. Watch for signs of re-occurrence once meetings are reinstated. Reinstate meetings slowly, with groups of young children being the last to re-establish.

During the epidemic I lived through, the infection (encephalitis) was not confirmed by local health authorities until 8 deaths occurred. Our church, later confirmed to be a ‘cluster’ of infection, acted quicker than the local health authorities. The church leadership followed the above outlined steps and was credited with helping to stop the epidemic and save lives.

How would this scenario impact you and how can you prepare?

1. If the outbreak was within a school or daycare, you would need to have other plans for your children.

2. You would need to be self-sufficient if you rely on this organization for support in the case of an emergency.

3. If it were the workplace, you may find that you must work from home, take vacation time or do without a pay check for some period of time.

4. Think through the organizations you belong to and how they impact your life. If those organizations were removed today, what would you need to be prepared to do for yourself?

The Epidemic Spreads To The Community

Scenario: The illness that you believed was isolated to your organization, appears to be spreading among the community you live in. You hear that more and more people are becoming infected, deaths are reported and hospitals are overwhelmed with cases. Health officials recognize that this illness is highly contagious, serious and the cases are multiplying. Emergency rooms are over-crowded, health care workers are becoming infected, pharmacies are understaffed and overwhelmed, grocery store shelves are emptying, first responders are calling in sick, and community-based services (ie garbage, transportation, etc) are cut back.

How would this affect you?

1. Schools, libraries, gyms, churches and other gathering places may be closed.

2. Medical facilities will be stretched very thin. None life-threatening emergencies may be shuttled out of the emergency room.

3. Your daily routine significantly altered. Grocery store supplies may dwindle, pharmacies run short of meds, businesses closed due to high number of illnesses.

4. Picture what is open on Christmas Day and extend that out for weeks at a time.

5. Health departments may quarantine people. A quarantine order gives government authorities the right to restrict your movement. You may be quarantined to your home—you cannot leave and no one other than emergency personnel may enter.

What can you do?

1. Be prepared!

2. Take an inventory of what you have on hand. Can you remain self-sufficient in your home for weeks to months?

3. Keep prescription medications filled and try to accumulate extras.

4. Avoid large gatherings, tight quarters and anyone that is ill.

Scenario: A pandemic has occurred that has out-stripped medical facilities and other services in a very large geographic area. This is the ‘worst case’ scenario from a large-scale perspective. A localized epidemic can be assisted by bringing in supplies and personnel from an outlying area. In a true pandemic of serious illness, those secondary lines of defense may not be available. The consequences of a real pandemic of serious illness would be much like the aftermath of a large scale natural disaster.

1. Marshall law may be declared so that looting, etc. can be contained and local law enforcement can receive assistance from military units. Under marshall law, many daily civil liberties are suspended. Curfews may be enforced.

2. All government, civil, medical, banking, education and businesses will be affected and curtailed. The ATM may be out of cash. The gas station out of gas.

3. If the illness is deadly, even the ability to bury people will be overrun.

It is difficult to realistically project the reality of this type of pandemic without going into lengthy and morbid detail. If you want to gain some perspective, read about the realities of the 1918 Spanish flu epidemic or the aftermath of disasters such as Katrina or the Tsunamis.

What can you do?

1. Again, PREPARE, PREPARE, PREPARE!

Provident Living is truly a lifestyle that if lived fully will prepare you for any number of man-made, natural or germ-rendered life events. Being able to be self-sufficient within the walls of your own home is your best preparation. Taken one step at a time, this goal is not only reachable but will lead you to a greater degree of financial and emotional security.

Now is the time to evaluate where you stand in your progress toward self-sufficiency.

Despite of our best efforts to prevent and prepare, we may find ourselves tossed about by the winds of illness. Whether we are the patient or the caregiver, now is when you find out how prepared you truly are. How best can we weather the storm?

1. STAY HOME! When you are ill, you need time to recover and there is no better place to do that than your own home. Failure to do so puts you at risk for further illness or injury and spreads the ‘joy’ of contagious diseases. Keep yourself and your sick children home from school, activities and church. Stay home until you are COMPLETELY well and free from a fever (without the aid of a fever reducer such as tylenol) for at least 24 hours, or as long as your physician instructs.

2. SEEK COMPETENT MEDICAL HELP. If your symptoms include shortness of breath, chest pain, an altered mental status, loss of coordination, seizures, rampant bleeding or other significant change in status, do not delay getting help from a fully equipped emergency room. The first hour of a serious injury, heart attack or stroke is the most critical. For less serious, but still significant illnesses, get help from your physician or urgent care facility. If your symptoms are minor, stay home and take care of yourself. Those with other serious underlying medical issues (including pregnancy) should speak to their physician about when to seek an appointment. If you believe that you may have influenza (regardless of type), call your doctor’s office and ask about receiving Tamaflu or one of the other anti-viral drugs. These medications will not cure the ‘flu’, but they may shorten the duration and severity of your symptoms.

3. THE DOCTOR VISIT. If you need to seek medical help, take with you a list of your current medications. a list of your symptoms, when the illness began and how it has progressed. Stay away from other patients in the waiting room and avoid bringing well children with you–they will distract you and you are exposing them to more germs!

3. UNDERSTAND THE DOCTOR’S RECOMMENDATIONS. If you are too sick to remember, take someone with you and/or write down what you are told. Make certain you understand what the diagnosis is, prescriptions written, expected course of the illness, complications to look for, self-care or therapy needed, comfort measures and when to return for a follow-up. If in doubt, ASK before the medical provider leaves the room.  For more information, reread the post about “SPEAK UP”.

4. KEEP HYDRATED. Unless specifically told not to, nearly all illnesses are aided by remaining well hydrated. Keep water (a sports top bottle reduces spills), juices and electrolyte replacing drinks by the bedside. For small children, offer popsicles frequently. Anyone with a fever needs to be particularly careful to drink much more than normal.

5. RECORD FEVERS. Know how high your temperature is going and how often. Don’t guess, especially with young children.

6. SET UP THE SICK ROOM. Beside the patient’s bed position facial tissues, a small lined trash can, liquids in spill proof/resistant containers, small snack foods that are healthy & easily digested, a method of communication (baby monitor, intercom, cell phone), humidifier if a respiratory illness, entertainment, throat lozenges and other comfort measures suitable for the person’s age and illness, a container with a lid (in case of vomiting), night light, hand wipes or sanitizer, and necessary phone numbers. If you are caring for yourself, do all of this when you first feel sick!

If the patient must be left alone, also place near the bed a phone and phone numbers of family members or neighbors who can help.

7. HAND WASHING. Everyone in the house should be extra careful to strictly follow hand washing recommendations!

8. SLEEP. Sleep is restorative to the human body. Get plenty of rest, but try to maintain your normal sleep cycle.

9. FOOD. Eat healthy foods and remember that it is often easier to digest frequent small meals rather than three larger meals. Use disposable dishes for the ill person. Using disposables for the entire house can be a significant help in keeping the home running smoothly. Be extra careful about food safety. Your body is already fighting one issue, don’t compound it with food poisoning. Now is a good time to use those frozen entrees, canned foods and quick-to-eat foods. Remember that it is okay to eat vegetable soup and crackers for dinner! Keep it healthy, but simple.

10. HUMIDIFIERS. Especially in the winter, indoor air is often dry. Most illnesses with a respiratory component are aided by introducing moisture into the air. Keep the container clean and filled.

11. DRUG INTERACTIONS. Remember that over-the-counter and ‘natural’ remedies are medicine! Many can interfere with or interact with prescription medication. Check with your pharmacist to be certain.

12. COMPLICATIONS. Be watchful that secondary (and often more serious) complications are not developing. If in doubt about a new symptom–ASK! Many insurance companies offer 24-hour nurse hot lines that can often answer that dreaded 2 am ‘is this serious’ type of question.

13. BE PREPARED TO ACCEPT HELP. Be cautious and avoid exposing others to your germs. But, do accept help that is offered if you truly need it and the helper isn’t exposing themselves to illness. For instance, you might ask a neighbor to let you know when they are going to the store. Keep a list of items you need and have cash ready for when they make their next trip. If you need someone to drive you to an appointment and you have a contagious illness, wear a mask. Be certain that help offered and received is what you REALLY need!

14. WHINE APPROPRIATELY. When asked, “How are you?” we humans tend to reply, “Just fine.” Sometimes you need to vent! While recovering from Lyme Disease, I told my husband that I was going to allow myself ten minutes a day to complain. He listens kindly, sometimes offers a suggestion or asks if I need something in particular. Mostly, he is merely sympathetic and that is all that I need. By establishing a ‘time to whine’, I don’t feel guilty about complaining, he knows how I feel and I have successfully vented. Often times, the best gift you can give to a patient or a caregiver is a listening ear.

15. PRACTICE PATIENCE. It is trying to be ill or to be a caregiver. Take it a day (or an hour) at a time. Allow your body to heal completely. The world will continue to turn on its axis without you for a few days.

Prevention and preparation are the keys to riding out the storm of illness. When that storm hits, remember ‘this too shall pass’ and look forward to happier days ahead. And pat yourself on the back for doing such a great job of living providently every day!

NEXT WEEK: Part 4–Quarantine…could it happen and are you ready?

——–This week’s 10×100 Challenge Goals:

“We have been counseled again and again concerning self-reliance, concerning debt, concerning thrift. ….” President Gordon B. Hinckley

This week’s 10×100 Challenge Goals:

22. Make a list of everyone you plan to purchase Christmas gifts for.

23. Pick up Christmas Cards at a discounter or dollar store before the inexpensive ones are sold out.

24. Replace filters in your HVAC system. Write the date you replaced it on the filter. Mark your calendar for the next change date.

25. See what Christmas gifts you may already have on hand. Plan which ones you are going to make.

26. Do a quick comparison of current prices for internet providers. Do you need to change?

27. Clean out one kitchen drawer.

28. Have little ones at home or due to visit? Check childproofing & poison control.

In recognition of National Preparedness Month here in the U.S. (the rest of the world is welcome to join), it is time for a challenge! You can do it! With just over 100 days left in 2009, it is time to buckle down, dedicate yourself and set aside just 10 minutes or less per day. Yes, in less than 10 minutes a day and nearly no money at all, you can improve your preparedness status by leaps and bounds.

The extra days in 2009 can be set aside for holidays, vacations or, even better, utilized to do a more-than-ten-minute job. However you use the days, use them well!

Ready? Set? Go! Here it is, the first installment of 100 things you can do in 10 minutes or less:

1. Program your cell phone phone book with the word ICE (stands for In Case of Emergency). Under that listing, include the name & phone numbers for the person you want to have contacted first in case of an emergency. First Responders and ER personnel know to check your cell phone for this listing.

2. Check your car’s glove compartment and be certain that you have a current registration, inspection receipt, insurance card and insurance contact information.

3. Write down all of your family’s prescription drugs, their RX number, refill date, name of medicine, instructions and the pharmacy phone number. Make a copy for your 72-hour kit.

4. Write out a card for each child’s car restraint seat. Include child’s name, your contact info, another relative’s contact information, child’s pediatrician and important medical history. Attach to the bottom or back right rear of the seat.

5. Schedule your yearly health maintenance check-ups such as mammograms, pap smears, physical exams and immunization review.

6. Place water leak alarms near washing machine, hot water heater and any other area likely to suffer a leak.

7. Wash the dryer lint trap under hot water until water runs freely.

8. Check the tire pressure and tread depth on your tires.

9. Clean out your medicine cabinet and dispose of out-dated medications.

10. Test your smoke detectors & change batteries as needed.

11. Set up a spot for your perpetual grocery list. Let your family know where it is!

12. Photocopy your credit cards & ID. Place copy in your “What If?” Notebook.

13. Check the outside dryer vent. Be certain that vent flaps open freely. Remove any visible lint.

14. Clean the inside of your car windshield. “Stuff” gathers on the inside of the windshield and can cause complete ‘white out’ when you are driving towards the sun.

15. Clean one pantry shelf. Move older food to the front.

16. Write down neighbor’s phone number, doctor’s phone numbers, family contact numbers and place inside a cabinet near the phone.

17. Add at least one long-term storage food to your grocery list. Consider rice, dry beans, sugar, oatmeal.

18. Check outside lights. Replace burned out bulbs.

19. Check your supply of flashlights. Do they work? Do you have batteries for them? One for each room of your house?

20. Clean the trash out of your car.

21. Cook a double entree and freeze the extra one.

22. Make a list of everyone you plan to purchase Christmas gifts for.

23. Pick up Christmas Cards at a discounter or dollar store before the inexpensive ones are sold out.

24. Replace filters in your HVAC system. Write the date you replaced it on the filter. Mark your calendar for the next change date.

25. See what Christmas gifts you may already have on hand. Plan which ones you are going to make.

26. Do a quick comparison of current prices for internet providers. Do you need to change?

27. Clean out one kitchen drawer.

28. Have little ones at home or due to visit? Check childproofing & poison control.

29. Check 401K & pension plan balances. Do you need to save more for retirement?

30. Purchase at least one item for long-term storage.

31. Treat sink & tub drains with baking soda and vinegar.

32. Check children’s toys. Throw out broken ones.

33. Set budget for holiday gift giving. Do you need to save some money?

34. Check nightlights. Do they illuminate areas that need light? Do they work?

35. Find a backpack, tote or other container that can store items in your car.

36. Add jumper cables to your car pack

37. Put some bottled water in your car pack.

38. Put some long-term food such as granola bars in your car pack.

39. Put several ’space’ blankets or wool blankets in your car pack.

40. Add some matches and a candle to your car pack. Pack candle in an empty vegetable can and cover top with aluminum foil.

41. Add an all-in-one screwdriver to your car pack.

42. Add an ‘emergency’ flag to your car pack. This can simply be a piece of bright orange or red fabric.

43. Add a first aid kit to your car pack.

44. Stick a set of fuses in your car pack.

45. Put a flashlight in your car pack. Package the batteries outside of the flashlight.

46. Add a flare to your car pack.

47. Add a can of Fix-a-flat to your car pack.

48. Check your spare tire & tire iron.

49. Check the fluid levels in your car.

50. Put some paper and a pen in your glove compartment.

51. Check your gutters to see if they are running well.

52. Look at your roof from across the street. Does it look solid?

53. Add your doctor’s voice & fax numbers to your cell phone directory.

54. Add a worthwhile item to your 72-hour kit.

55. Grab some 3×5 cards. Write out personal information for each person & add to 72-hour kit. Include out of state contacts, medical information, etc.

56. Check the caulk around the doors and windows of your home. Note which ones need repair.

57. Add some cash and quarters to your glove compartment. An empty prescription bottle or tube from mini-M&M’s work well.

58. Check outdoor walkways. Are they clear? Free from tripping hazards? Cracks?

59. Add one item to your food storage.

60. Gather up your candles and see if you have enough to provide some light for 7-days. Store some matches (more than you think you need) with the candles.

61. Refill BBQ propane tanks if you have them.

62. Clean one pantry shelf. Move older food to the front.

63. Clean out your refrigerator. Discard old food and mark food that needs to be eaten up.

64. Do you need to have your chimney cleaned?

65. Read about one way to cook food without power. Order or gather supplies you would need.

66. Program your pharmacy’s phone number into your cell phone.

67. Check your computer’s firewall and anti-virus strength.

68. Do a quick comparison of auto insurance rates and coverage.

69. Set aside ingredients for a ‘no time to cook’ dinner.

70. Add one item to your two week supply of food that you could eat without cooking.

71. Store some water.

72. Plan holiday meals. Watch for ingredients to go on sale. Don’t forget potluck dinners, treats for neighbors, etc.

73. Do you need to have your furnace checked?

74. Check appliances for frayed cords.

75. Do you have de-icer in your windshield washer fluid?

76. Ice scrapers in each car….unless you live where it never gets cold!

77. Clean out one pantry shelf. Discard out of date food. Move older food to the front.

78. Try a new recipe that utilizes at least two items from your long-term storage.

79. Check supply of over-the-counter medicines such as antihistamines, antidiarrheal, pain killers & anti-inflammatories.

80. Check the caulk around tubs, showers and toilets. Repair or replace as needed.

81. Check your credit cards? Current? Do you have too many?

82. Check your credit report for errors.

83. Be certain your are shredding documents with personal information such as insurance numbers, birthdates, account numbers, social security numbers.

84. Google your name to make sure someone is using it online or writing about you in an unfavorable way.

85. Buy or obtain a free (try freecycle) transistor am/fm radio.

86. Clean out one closet.

87. Add one item to your food storage.

88. Check your doors and windows for air leaks.

89. Make certain that shrubbery around your house does not obscure windows. (burglars love it when they can hide behind a bush while they break your window)

90. Make a place for end of year tax information.

91. Try a recipe utilizing one or two items from your long-term storage.

92. Check your cell phone contract. If out of contract, compare rates.

93. Add a small flashlight to your glove compartment.

94. Check cash supply at home. Be certain you have bills in $20 or less denominations

95. Mail holiday gifts early to avoid paying express shipping charges.

96. Do you need de-icer for walk ways and driveway?

97. Collect loose change and establish place to store it.

98. Add one item to your 2 week supply of foods you could eat without cooking.

99. Add one item to your 72-hour kit.

100. Cook a double entree and freeze the extra!

See, you can do this!!! It is inexpensive, fast and all things YOU can do with little time and money.

Don’t worry, we’ll remind you periodically. Now, get to it! And good luck.

Lyme Disease, a tick-borne infectious disease endemic in most areas of the United States is often called the ‘great imitator’ as the symptoms can mimic everything from the flu to multiple sclerosis. Transmitted from ticks that feed on infected rodents, Lyme Disease can lead to a serious acute illness as well as a life time of chronic illness. Unfortunately, it is one of the smallest cycles of life, the nymph cycle, that ticks can be most likely to transmit infection. Treated early and aggressively, Lyme Disease patients have a good chance of making a complete recovery. Even patients with mild symptoms should be treated with antibiotics to prevent long term illness.

Of course, any disease is better prevented than treated. Ticks do not magically fly onto humans and animals. They cling to low vegetation and attach to hosts (such as mice, deer, dogs and people) as they walk by. Once attached, they imbed themselves in their host. Once they have fed, they drop off and go on to the next host.

You can avoid picking up a tick by keeping away from areas with tall grass and dense vegetation. When in these areas, walk in the center of mosed trails. Tuck your pant legs into socks and boots. When hiking, wear long-sleeved buttonless shirts tucked into your pants. Wearing light colored clothing will make it easier to see and remove ticks before they become attached. Wear tick repellent containing at least 30% DEET to the body. Clothing can be treated with up to 0.5% permethrin. Permethrin should NOT be applied to skin.

Around your home, you can reduce the likelihood of tick exposure by carefully treating your animals for ticks. Inspect them regularly for tick infestation. Likewise, check their bedding, furniture and any area of the house that could harbor a tick. Keep your grass cut, underbrush thinned in yards and maintain a clearly defined manicured border with wood chips, mulch or gravel. Keep hedges near pathways and proches well trimmed so that those walking on sidewalks do not have to brush against the greenery. Check periodically for signs of rodent infestation on your property and treat any suspected areas. Minimize deer on your property with deer repellent, fencing and replacing deer-enticing plantings with growth deer do not like such as dogwood, ferns, sage and thyme. You can also apply pesticides yourself or have it done professionally. Spring and summer months are the highest months of infection, due to the life cycle of the tick.

Anytime that you or your children are outside in an area where there may be ticks, check carefully for evidence of ticks. Should you find a tick, grasp with a blunt pair of tweezers as close to the skin as possible. Gently, but firmly, pull the tick straight out. Clean the area with soap and water, followed by an application of antiseptic. DO NOT use petroleum jelly or a match to remove the tick.

Should you find a tick on yourself, in your clothes or your bedding, it is now possible to have the tick itself tested for Lyme Disease and the most common co-infections prevalent among ticks. If the tick is loose, use tweezers to place in an a container with a lid. Contact your doctor’s office for a lab that can test the tick. Most health authorities recommend treatment with antibiotics if a tick from a human being tests positive for Lyme’s, regardless of whether the patient develops symptoms or not.

One of the most common first symptoms of Lyme Disease is a characteristic ‘bull’s eye’ rash around the site of the bite. However, remember that a rash may NOT develop. If you remember a tick bite and begin to develop symptoms, do NOT delay in being treated. Early treatment is the first and foremost way to prevent some of the most debilitating effects of Lyme Disease.

Untreated, Lyme Disease can spread to other parts of your body within a few days or weeks. It can cause damage to the nervous system, including chronic severe headaches, memory loss, encephalitis, personality disorders, depression, pain, sleep disturbances, palsy, tremors, pain, numbness, muscle weakness and fatique. Joints can become inflamed, causing pain and eventually arthritis. Lyme Disease can cause the heart to become inflamed, develop palpitations or changes in heartbeat.

Many physicians in areas where Lyme Disease is prevalent now watch for and aggressively test for Lyme Disease in patients who exhibit the early symptoms of the disease. In addition to the rash (which again may or may not occur), patients may complain of a flu like aches, pains, fevers, headache, swollen lymph nodes, chills and fatique. The symptoms do not go away in a few days as flu does and may or may not resolve on their own. Many patients become unbelievable weak, dizzy and may appear mentally altered. Blood tests can, in at least most people, detect the presence of the disease. Some physicians choose to begin antibiotic treatment based on clinical symptoms. The routine treatment includes at least 30 days of oral antibiotics, often extended if symptoms do not improve. Occasionally, in severe cases, IV antibiotics are given.

Like many ‘up and coming diseases’, the treatment of Lyme Disease is the source of some controversy. There are those who believe that long-term oral and IV antibiotics (sometimes into months and years) should be given. Four scientific studies have not backed up these assertions, but individual patients report an improvement in their symptoms. Unfortunately, there are some physicians and other ‘medical’ personnel who have been shown to take advantage of those with mysterious symptoms.

Should you suspect that you or a family member is developing the symptoms of Lyme Disease or have received a tick bite, be certain to contact your family physician. If in doubt, also consult a board-certified infectious disease specialist for evaluation and treatment.

Before you know it, the school bell will be ringing from kindergarten to the hallowed halls of advanced degrees. As summer winds down, it is time to once again set those alarm clocks, pack the lunches, fill up the backpacks and send the children off to school (or prepare for your homeschooling year).

No matter the grade or age of your learner, starting early and planning well can help make the school year a successful one for you and your student-children. Just a few pointers to help ease the transition:

1. Reset body clocks several weeks before school starts. If your summer schedule has included later-than-usual bedtimes and wake-up times, now is the time to reset those internal clocks. Begin with a few minutes each day, working toward a regular school schedule at least a week before school begins.

2. Do your back-to-school shopping NOW (if you haven’t already completed it). Be certain to get your supply lists from school and shop at home FIRST. You might be surprised how many supplies you have on hand. Take your amended list to the store and check off items as you purchase them. Label everything and pack away (far, far away if you have anxious little fingers around) so that all is ready before school begins.

3. Shop at home first for school clothes. Get the laundry caught up and see what junior already has in his/her wardrobe BEFORE you go shopping. Set a strict budget and shop the end-of-summer sales for fall clothing. Don’t forget to check sibling hand-me-downs as a potential source of clothing. Also check with friends, thrift shops, freecycle and Craigslist for clothing exchanges & great deals.

4. Include in every backpack an emergency contact card that includes your child’s name, address, phone, parents’ contact info, alternate contact person, important medical history (allergies, conditions, etc) and out-of-state contact. Laminate the card or seal in a ziploc bag. Attach to the inside of the backpack with a safety pin.

5. Label backpacks on the inside with your child’s name—not the outside. Outside names help predators befriend small children.

6. If your child has severe allergies to items that might be in the class or lunch rooms (such as peanuts, wheat, etc) be certain to speak with the school administration, school nurse and all classroom teachers that might have contact with your child (don’t forget art, music, etc). Speak face-to-face as well as present written information about the allergy, the possible reaction and medication that must be given. Don’t hesitate to check back with all you spoke to in a week or two to make certain that they remember. Ask what has been done to protect your child.

7. Do several ‘trial runs’ to elementary school with your child. If they are walking, point out the homes of friends on their route that they can seek help from. Be certain they know who to go to if they should ever come home and find no one home. The same thing goes for after school caregivers..make sure they have an emergency alternative planned.

8. Check to see what the school’s policy is concerning early dismissal or delayed starts. Do they have an emergency contact system in place that you can sign up for? Do you have childcare arranged for such instances?

9. Be certain that your older children (middle school & high school) are well versed in preventing accidents, how to extract themselves from a dangerous situation and who to report suspected or potential violence to. Have a frank discussion with them about the dangers of fire arms, weapons, drugs, hate crimes, sexual abuse and harassment (including being groped, spoken to inappropriately, etc), physical threats and abuse. Sexual abuse and harassment have become so common, that a shockingly high percentage of high school girls do not even recognize it when it happens to them,

10. Have the same frank discussion with college-bound students. Be certain that they are aware of safety precautions, the dangers of date rape, the potential for drugging of beverages (at a party or other social gathering, they should only drink from a can or bottle they open and which remains in their sight at all times), car safety and dorm safety. Know what safety procedures are in place at your child’s college campus and be certain they your student understands them.

11. Be certain that your middle and high school students understand that the effort they put into school now will affect the remainder of their life. The grades and activities they participate in now will affect their ability to be accepted to college & possibly win scholarships.

12. Establish good sleeping and eating habits for your students! Many high school students are chronically sleep deprived and their grades suffer. Look carefully at school lunches offered. Are the meals nutritious, healthful and handled carefully? If you are packing lunches, be certain to read up on safe food handling practices.

13. Be open and realistic about your expectations for your children’s academic endeavors. Be certain the child undeerstands what you expect and the consequences if they do not meet those expectations.

14. Have a frank discussion with your college-bound students about the realities of student debt. The average undergraduate leaves college with a diploma and $25,000 to $45,000 in debt. Advanced degree holders leave with debts that spiral upwards of $100,000. Be certain that your college student understands the full picture of the dangers of accruing not only student loan debt, but credit card debt. There are thousands and thousands of stories out there of college graduates with unmarketable degrees and a lifetime of debt to pay back. Explore other avenues of financing college, such as scholarships, work study programs, community college for general education credits, work-release programs and payback options through employers. If student loans are an absolute necessity, be sure that they are used only for absolutely necessary educational expenses. Be certain that the student understands that debt accumulated now will not disappear and should they marry, they may be doubling their debt.

15. Send your college student to the dorm with a mini-72 hour kit. Include foods that can be eaten without cooking, a change of clothing, emergency contact info, water, a first aid kit, a ’space’ blanket, a flashlight, a candle, a simple sewing kit, some cash in small bills and some matches.

16. Before college begins, check to see if your student is covered by your medical and dental plans. Be sure that your student has the appropriate policy identification cards and knows where to get care. If your child has a less-than-run-of-the-mill medical history, locate a physician in the college area and forward pertinent medical information.

17. Be certain that your college-bound student understands the realities of and how to prevent identity theft, including medical identity theft.

Enjoy watching your child grow up and conquer the world!

NOTE: While writing this article, I missed some VERY important information. Thankfully, Tami sent in a comment reminding me with her words of wisdom. Here is her comment:

“I just want to add to your note about preparing for college students–parents need to know that when their child heads off to college, there are privacy laws that apply to their child, and the parents do not have the legal right to get any information about grades or anything else. Also the parents do not have the right to be notified about any medical issues and do not have the right to be involved in any medical decisions. This can all be addressed legally, with medical power of attorney and other legal documents, but it’s something that all parents need to be aware of and discuss with their almost-grown children.”

And from me:

Thank you, Tami for pointing out this important item I missed! You are absolutely correct that parents (even ones paying the tuition bill) will have NO legal right to obtain information about their legal-aged child’s school or medical records. Even if your child is ill, the physician is constrained by law. He/she cannot discuss your child’s case or history without (except for possibly life & death situations) your child’s consent. Before dropping Junior off, have him/her execute a medical power of attorney which gives you permission to speak to caregivers. You can easily find a ‘fill in the blank’ form online by searching for medical power of attorney. Ideally, the form will be notarized and include express permission in compliance with HIPPA laws allowing you to speak to any medical professional caring for your child. A similar form should be completed with regards to academic records, etc. Thanks again, Tami!

Sorry for the delay in completing our field trip–we have had one medical crisis after another!

It is off to the store; list, coupons, re-usable bags, thermal bag for frozen foods and our frugal wits about us! With your super-organized list you are going to come out a winner at the end of this race.

As you enter the store, check your list to see if you have prescriptions to drop off or pick up. Consider making the pharmacy your first stop, especially if you are dropping off a prescription. If you are picking one up, check to make sure it is ready. If it is ready, place the medications securely in your purse or return to your car to lock them in the trunk (unless they are heat sensitive!).

With your well organized shopping list, you are ready to fill that cart with bargains. When you are standing in front of the well organized shelves, keep in mind several tricks of those whose lives are dedicated to removing the maximum amount of cash from your budget.

Mark off items as you purchase them. If you are going to utilize a coupon, remove it from your coupon pile and place it in an envelope, a separate part of your clipboard or on top of your re-usable bags. One savvy shopper keeps a clip on her re-usable bags. As she picks up a coupon item, she attaches that coupon to the bag with the clip.

Generally, the most expensive, highly publicized brand will be at eye level. The cheaper brands, including house brands, tend to be lower or higher on the shelves. Remember to look up and down before deciding which to buy.

Scrutinize the small portion of the shelf price sticker that allows you to compare the cost of product per measurement. If your store doesn’t offer this option, go to a different store! Double check your coupons to be certain that you are truly saving money as compared to a different brand. Be extra cautious with laundry detergent as you need to compare the estimated number of loads a particular brand will do. Do NOT assume that the larger size is necessarily cheaper!

Wherever possible, purchase store brands. Remember the golden rule–the less prepared the item, the more you are likely to save.

Need items due to a special diet? Check the ingredients in the ‘regular’ aisles before heading to the speciality aisles. For instance, I needed dairy-free chocolate chips. In the ‘natural section’, the chips labeled in large print “Dairy-Free” were $10.50 a pound. GAG! Taking a few seconds to read the ingredients of the store brand dark chocolate chips in the ‘regular aisle’ revealed they were ‘dairy-free’ and less than $4 a pound.

Avoid money pits!

• Pre-packaged side dishes & entree mixes (5 to 10 times more $$$ than a dish you assemble yourself, plus more calories, fat & sodium), spaghetti sauce (2 to 6 times as much as homemade),
• Spice packets (10 to 30 times the cost of mixing your own)
• Single package snacks & treats (2 to 3 times more than bagging your own).
• Junk food in general, including fruit ‘roll-ups’ and ‘fruit snacks’ (which are really just well-named candy full of sugars and bad for little one’s teeth)!
• Power Bars, energy drinks and expensive trail mixes. Make your own trail mix from cereal, a few nuts, chocolate chips, dried fruits & miniature marshmallows for a fraction of the cost.
• Nearly anything packaged for children. Avoid paying extra to subsidize the marketing campaigns of this week’s favorite TV or movie kiddie-hero!

Check end caps for sale or special items. Likewise, check the area where the store places their ’scratch and dent’ items.

Stockpile items that you use frequently when they are deeply discounted. Remember, after holiday sales occur in grocery stores. The kids won’t really care if they are eating pink and red M&M’s in May!

Purchase all of your ‘dry goods’ first. This includes paper products, canned goods, packaged items–anything that does not require refrigeration.

Tempted by a ‘luxury food’ not on your list? Place it in a separate section of the cart so that you can review your decision before checking out.

Produce:

• Check your produce carefully to make certain it isn’t bruised, overly ripe or over-priced.
• Eat seasonally. Do you really need raspberries in the dead of winter?
• Remember cost per portion. If you purchase large apples and you don’t cut them in half for the little ones, they will probably waste a good portion of the apple.
• Consider the true cost of a few minutes of time. Those bags of salad? At least THREE times the cost of a few raw ingredients. Pre-cut stew vegetables? Probably more expensive than the meat you will purchase. Pre-cut celery, carrots, etc? Again, you are paying up to $40 an hour for someone to whack up a few vegetables. AND most are treated to keep them fresh.
• Whole vegetables will store longer, are less treated and more versatile.
• Treat your produce gently in your shopping cart!

Dairy department.

• Avoid the budget killers–little portions, ‘kiddie’ foods and high prices. Want Junior to eat yogurt? Great! Buy a larger container without the cutesy wrapping and save up to half!
• Look for unadvertised specials, seasonal close-outs and short-shelf-date sales. Know what type of sticker your store uses to highlight these items.
• Group your cold items together, beginning with dairy. During warm weather, put cold & frozen items in your thermal bag.

Meat department:

• Check first for mark downs! If you find an unexpected bargain, think of what you might need to serve with it. Add those items to your list & purchase them as you head to frozen foods.
• Place your meat in a thermal bag separate from the dairy & frozen foods.
• All meat should be placed in the lowest part of the cart away from fresh foods. Packages should ideally be handled with paper towels and placed in plastic bags.
• Compare the cost per pound for ‘family packs’ vs. smaller portions. You can save big by breaking down a family pack into meal-sized portions.
• Don’t buy a more expensive cut of meat than you need! If you are marinating a steak, you can purchase a less expensive cut.
• Consider replacing chicken breasts with thighs.
• Be certain that you aren’t paying for water or ‘flavor enhancers’ instead of meat. In many stores, chicken meat is infused with15% or more fluid. That fluid may be water or ‘flavorings’ (and who knows that means? Chemicals, most likely)
• REMEMBER, cost per serving!
• Meat department budget busters include pre-formed hamburger patties, gourmet cuts of meat, pre-marinated meats, ‘oven ready’ entrees and pre-cooked items.

Freezer department:

• Avoid Wallet Drains: Frozen entrees, ‘lean meals’ (translation: ‘You pay more, we give you less’), kiddie food, breakfast items (I once compared the cost of toaster waffles to the real thing–25 times the cost of a fresh waffle!), individual ice cream treats and gourmet ice creams are certain to sink your solvency ship.
• Protect your purchases. Add frozen foods to your cold items in the thermal bag.
• Maximize the smart choices, which can include plain vegetables (those microwave bags & veggies with sauce–RIP OFF!), plain fruits, juices (not juice blends which are primarily sweeteners), some pie crusts, some frozen doughs, some french fries and frozen pizzas for nights that you are caught without dinner.

Before getting in line:

• Review your list to be certain that everything is crossed off.
• Did you buy a cut of meat at a discount? Do you have everything you need to cook it?
• Have you picked up that prescription you dropped off?
• Look with a critical eye at any impulse items you added to the cart. Did you buy them because of an ad you saw? Were you just tempted due to fatigue or hunger? Do you really need it? Can you afford it? If in doubt, hand it back to the cashier.
• Keep your eye on the prize. All of those candy bars, little goodies, gadgets and magazines are placed there to tempt you out of your money! Focus on the task at hand and get out of that store with your budget intact.

Check Out Carefully:

• Hand the cashier your re-usable bags and coupons. The coupons should be left out where you can see them–they are the same as cash and you don’t want the cashier completing your purchase before deducting them.
• If the store has a loyality program that gives you sale prices, utilize it. If you don’t want a record of your purchases (though it can be useful for returns and recalls), simply use a different name.
• As you place items on the belt, keep raw meat away from other foods. Keep cold and frozen foods together. Have these items bagged into your thermal containers.
• Watch the prices as they are scanned–especially clearance & deeply discounted items. The percentage of errors in some stores is criminal. If in doubt of a price being rung up, ask. Many stores will give you the item for free if it rings up incorrectly. If you have a large number of deeply discounted items, keep them towards the end of your order so that you will be sure to have finished unloading your cart when they are rung up. Never hesitate to ask the cashier to price check an item.
• If you pay off your balances every month, consider using a credit card that offers cash back based on your purchases. With many of these cards (which you should NEVER pay an annual fee for), the rate of return is higher on groceries than other items.

You did it–all you have to do is pay, pat yourself on the back for the money you saved and load the car to drive home.

Oops…load the car carefully.

• Keep those frozen and cold things together.
• Keep heavy items down low. You don’t want a can of beans whacking you in the back of your head.
• Don’t obstruct the view. You need to be able to see out of your car.
• Drive cautiously, especially in the parking lot which is a haven for accidents.

• Don’t make other stops on your way home unless the outside temperature is below freezing and your cold items will stay cold!

Congratulations! You may have just saved 30% or more off of your grocery bill. If you followed all of the rules, avoided those money pits, shopped from a list and chose wisely, your savings will exceed 60% over the foolish shopper.

Next time: X-Treme Grocery Shopping puts the groceries away!