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    • Nicco Meredith

      Free virtual budget envelope app for iPhone & Android. Works beautifully with Dave Ramsey's plan.

    • Nicole Eclectic

      Easy Envelope Budget Aid: FREE Virtual Envelope Budget App for iPhone & Android. Solves the issue of one spouse not knowing how much they can spend because they don't have the cash envelopes with them. Works beautifully with Dave Ramsey's Financial Peace University (FPU) and "Zero-Based" Budgeting.

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    Split and braid your hair into two sections and tie with a rubberband. Twist the braid away from your face and then twist the flat iron onto your hair in the same direction your hair is twisted. Do not touch rubberband or else you will get that weird crease. Repeat this process twice! After hair is cooled, then take them out and run your fingers through the braid. Saw this on Rachel Ray Show. It gives you nice beachy waves! Might do this for school today!:)

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    3 parts olive oil 1 part honey (teaspoons for short / thin hair, tablespoons for long /thick). Heat in microwave for 30-45 seconds (until it just begins to boil). Stir until well blended. When still warm, but cool enough to touch apply to damp towel dried hair and comb through. Wrap in towel or put up in a plastic shower cap, let sit for 30 minutes. Rinse thoroughly, Shampoo, Condition, and Style as usual...Optional - scent with essential oils.

    Work beautifully with Dave Ramsey's Financial Peace University (FPU) and "Zero-Based" Budgeting.