Writers: Got 'Starving Writer Syndrome'? Want to free up money in your home?

As a writer and published author, I know how difficult our industry can be, and how uncertain a writer's income can be. I've had my ups and downs, suffered from what I call "Starving Writer Syndrome" (akin to Starving Artist Syndrome). I've experienced many years where I spent more than I earned. It's not fun, and it places a huge amount of stress on a writer's self-confidence, financial situation and family.

For years, I've made it my mission to help other writers when I can, and therefore I'd like to introduce you, my fellow writers, to my brother, Derek Kaye. He's a financial advisor, and he has a plan for you to free up money in your home--even if you think there's nothing available.

Let me introduce you to Derek's 'Get Your Finances On Track' system...

Would you be interested in discovering a way to quickly free up money and start down a path towards financial abundance?

Discover the Get Your Finances On Track system <== NEW TRAINING!

Derek's new training program is perfect for families and professionals who are making a great household income ...

... yet don't know where it's all going!

For families who are working hard every month ...

... yet are living paycheque to paycheque and don't seem to be able to get ahead!

How to manage your money, stay out of debt and jump on the fast-track to financial independence!

Derek tells me this isn't just about getting out of debt. It's about discovering an entirely new way of looking at money and running your house-hold so that you can finally get ahead and start pursuing your dreams.

So if you're sick and tired of the stress and anxiety of your MONEY managing YOU ...

... change things around with a system that will allow YOU to start managing your MONEY!

Check out this end-to-end system for getting your finances on track.

~ Cheryl

P.S. Stop just dreaming of your perfect life and start designing the one you wish to live!

Learn the "build your future" money management system here <==

Got the "Back to School Blues"?

For many parents, September means one thing: it's back to school time! And that single realization can bristle, stress out and frustrate even the most organized parents. Some even sink into a temporary depression--the "Back to School Blues".

But there's help for you. Really. It's all in how you look at this time of year--or this time in your child's life. The one thing I can promise you, it's temporary.

Let's look at the stress factors:

Back to school means revamping your child's wardrobe. Little Johnny ain't so little anymore, Mom. He shot up four inches over the summer and his jeans end just below his knees. Not really the current fashion statement for a cool dude. And little Lisa has gained a few pounds from all that ice cream. She'll need a size larger, unless you want her bursting at the seems.

Then there's that long list of school supplies, and little Johnny wants that certain brand for his calculator, the one that's $40 more than the no-name kind. Do you cave and kick yourself for being stingy? Or do you hold your ground and teach him a lesson in budgeting? Those lists can equal a car payment if you're not careful. And trust me, you'll need that car, if only just to escape from a house filled with kids whining about homework.

There's also the issue of how your child will get to school. Will he/she travel by school bus, public bus, bicycle or will he/she walk. How will you handle lunches? A lunchbox or lunch at home? Do you need before and after school care?

It's no wonder parents go into a depression at this time of year. If they're really lucky they had a week of unpaid holidays that they now have to make up for, on top of all the school costs. But what's the choice? It's not as if they can buy the pens and notebooks the following month and stretch out the debts.

So how does one deal with the depression of excessive financial debt, plus the fact that little Johnny and Lisa will be gone all day, leaving you alone with nothing to think about other than...work?

You remind yourself: it's only temporary. And it is, I guarantee you.

You have approximately 18 years to buy those school supplies, maybe longer if you're forking the bill for your child's college, university or other post-secondary schooling. As your child matures and gets into high school, you might find some of the stress easing off as they take some responsibility for extra-curricular activity expenses. Little Johnny wants to play hockey? Have him contribute a small amount from his part-time job. Or have him work for you. At least you'll feel you've gotten something back from the hundreds of dollars you've spent on knees pads and helmets.

September is a time for beginnings--the first day back to school, back with all their friends, and the day you release them to this new year of learning. It's also a great time for parents to start new projects. These projects will keep you busy and you'll feel motivated by the subtle changes in your home--specifically, the lack of noise.

As a parent of a 19-year-old who has finished school, I can safely say that it's been a few years since I suffered from the "Back to School Blues". I long for September because it signals change--good change. I find I'm most productive in September and January because both months make me feel I can start over, start something new and start something exciting. And thankfully, I don't need a new wardrobe or a list of supplies or a bus pass, and the only teacher giving me homework is me.

Everything is temporary. Enjoy this time with your child. They grow up far too fast.

~Cheryl Kaye Tardif,

bestselling author of Whale Song

http://www.cherylktardif.com