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Consolidated Credit

DIY Thursdays: Inexpensive Gift Ideas for the Mother in Your Life

By Jessica Williams

Make this year’s Mother’s Day a memorable one. Instead of going out to buy something that the mother in your life won’t use, show her how much she is appreciated with homemade gifts.

Tea Garden in a Box

This recipe came from Martha Stewart’s Gardening Editor, Stephen Orr.


• Mint, rose geranium, pineapple sage, and lavender
• Wooden wine crate


1. Plant the mint, rose geranium, pineapple age, and lavender in a wooden wine crate or other container with ample drainage.
2. Make sure you tell the gift recipient to place the planted box in the sun. Also let them know to pluck a few sprigs for morning tea.

Homemade Body Scrub


• Body oil
• Epsom salt, sea salt, or organic cane sugar
• 12-ounce jar with cap
• Lemon zest

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Here is your opportunity to slay those money sucking vamps, Hi-Rate and Hi-Pay, the Debt Suckers in Consolidated Credit’s Photoshop contest.

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Here you can get the buzz on tactics and tips to successfully manage your money and avoid credit problems.These booklets cover the basics of creating and using a budget, how women can manage their personal finances, how to cope with financial stress, teaching your children about money, preventing identity theft, how to avoid common money mistakes, the basics of credit cards and much more! Click on the booklet cover to launch these free PDF files.
Learn how to successfully manage money and avoid credit problems. This guide was created with two purposes in mind; first, to help people create and use a successful budget; second, to provide proven strategies for avoiding excess debt. This basic ‘Credit 101’ publication explores the pros and cons of using credit, provides a guide and calculation formula to help consumers find out how much credit they can afford, and offers advice on what elements should be considered before applying for a credit card, how to build a positive credit history, and existing credit rights. When it comes to women and money, the news can be gloomy. We live longer; we earn less, and are less secure in retirement. But the news isn’t all bad, because women can also be terrific budgeters, investors, savers and entrepreneurs. Everyone makes mistakes with their money. It happens, but it can lead to problems, and these problems may escalate if you don’t do the right things to correct them. This guide is to help you solve the money mistakes that could occur during your lifetime. The world of finances can be tricky and if you don’t act to correct these mistakes you could be putting your financial future at risk.
If you’re like most people, you probably learned about money from the “School of Hard Knocks.” If you were lucky, you may have had parents who talked openly about money with you, and perhaps even showed you how to earn and save money. This guide helps parents talk to their children about smart money management and the value of money. This publication discusses the fastest growing federal crime in the country and provides steps one can take to minimize the chances of personal information being stolen and used by a thief. The first part of this brochure is organized into checklists you can use to put these ideas into practice. The second part of this brochure will give you steps to take if you are a victim. This booklet will give you an overview of the basics of getting a mortgage, buying a home, and building equity. If you’re under financial stress, you may be arguing with your spouse or family members about money, experiencing headaches or panic attacks, hiding bills or receipts from family members, or finding it difficult to sleep at night. Your eating habits may have gone south, and you may find it hard to make it through the day. Use this guide to help you deal with your stress.