Folk Art Note Cards
6 Essential Tips on How to Survive the Downturn
Finance management does not come naturally to most people. In fact most people have never been taught how to manage their money. It can be quite an art, and one that’s well worth learning. In the current ‘downturn’ or ‘recession’ it’s more important than ever to understand how to manage your finances effectively.
The best ways of avoiding getting into debt are:
1. Keeping accurate records of all Money Transactions
Years ago it was considered a good idea to make a note of all the incomings and outgoings (credits and debits) that happened each month. A ‘little black cashbook’ was all that was necessary, costing a very few dollars down the local stationary store. Noting everything coming in on one page, and on the facing page everything going out — and using one page for every month. It’s not rocket science, and it does make sense. At least you can easily see at a glance what’s happening, in time to correct it before it gets out of hand.
2. Don’t become addicted to the Keeping-up-with-the-Joneses Syndrome
There are certain kinds of folk out there who ‘must have’ everything that their neighbours have, even though it’s not essential, or even necessary in most cases. Why do they do this? Because they have a feeling of insecurity. Possessions make them feel secure.
Jo Bloggs down the road gets a new car, and these people feel the urge to do the same, no matter that the down payment (let alone the repayments) will cripple them.
The sad thing is that Joe Bloggs down the road who is setting this bad example to everyone else is probably mortgaged up to the hilt and is reeling from the debts he has incurred – but he gives the impression that these fancy possessions are all his!
3. Avoid Living Beyond your Means
It’s a very easy thing to do, to start living beyond your means, and then it’s extremely difficult to stop again. Everything is so readily available on credit – much too easily available. We’ve seen what can happen when people buy a house they can’t afford, then other things to go in that house, the luxury holidays, the clothes, and so on.
Then the kids start wanting stuff their friends at school have; they ‘must have’ those trainers, the latest ‘GameBoy’, the designer label clothes, etc.
4. Take Positive Action
Consider doing something positive to make MORE money. A home-based business such as Internet Marketing springs to mind. This is one of my ideal ways to make extra dosh. I’d recommend you get some sound advice from a trustworthy person before starting out.
5. Avoid Impulse Shopping
It’s been said that impulse shopping is an addiction. A friend of mine has a pathological weakness for impulse shopping. However this is a controllable handicap, and with just a few changes it’s possible to escape from its clutches.
· Always take a list when going shopping, and stick to it – no extras.
· Don’t shop when you’re feeling hungry.
· Always look for the ‘own brand’ of goods on the supermarket shelves – they are excellent value.
6. Use Credit Cards sensibly
Practically every consumer in the country has, and uses, a credit card. Very nearly every retailer now accepts credit card payments. However, many people cannot control their credit card limits, so once they reach their maximum limit on their card, they then open another card account, go to the maximum limit on that one, and then open yet another card account, and so on. The interest charges on credit card accounts is so high as to be prohibitive, and yet many thousands of people jump in and keep on buying without a single thought about how they will pay their accounts.
The truth is, when used cautiously credit cards are a very convenient way to pay, and if the balance is paid off at the end of each month, they will incur zero interest charges.
So what do you do if things get so bad all you really want to do is hide away?
· Do you ignore phone calls? Don’t – they might be important.
· Do you leave those brown envelopes unopened? This really won’t help. The best thing would be to tidy up and sort all your unpaid bills and get advice to help you start your repayment process.
· Check your hobbies. Do you have a gym membership? Do you actually GO to the gym on a regular basis? If not, cancel your membership. That’s a great saving straight away. Sure you can still go jogging through the park, there’s no need to feel deprived.
· Magazine subscriptions. Have a look and see what’s going out from your bank in the form of Standing Orders – can you cut back there? There may be things you really don’t need, so it’s worthwhile checking.
The answers may sometimes be painful but in the end the wounds will heal. There are ways around all this, but you do have to search for them yourself.
This article may be copied and distributed, so long as the signature file and active links are also included.
Fine Originial Folk Realism by LindaLMartin Artist
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The Van Rensselear Children Portrait 1840 antique oil painting ! Folk art $24,900.00 |
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Antique Pair of Iconic American Folk Art Carved Pine Wood Eagle Sculpture – RARE $20,000.00 |
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Metal Art Sculpture Sculptor for Hire Travel Design fabricate install folk art ! $20,000.00 |
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Mamie Falk Folk Art Oil Painting – Considered Minnesota’s “Grandma Moses” $19,750.00 |
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Yuri Gorbachev ORIGINAL Landscape Oil painting Folk Art $17,500.00 |
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Folk Art wood statue of Grover Cleveland 1894 $9,500.00 |
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Antique Ship Captain Folk Art Carved Coconut Chalice $8,500.00 |
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Original Oil On Canvas Painting by Minni Hines Bayou Scene Folk Art 24×48 $8,495.75 |
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Chinese folk art sculpture carving stone inkstone for painting and handwriting $6,890.00 |
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Chinese handcraft folk art stone sculpture carving inkstone inkslab fly dragon $6,329.00 |
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Banjo Boy/ Pre-Civil War Folk Art on Linen $6,000.00 |
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LARGE Antique Americana Folk Art Painting of Boy -Civil War Col. Orlando H Moore $5,999.99 |
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Yuri Gorbachev Original Oil Painting Russian Art Folk $5,990.00 |
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Chinese handcraft folk art sculpture carving inkstone inkslab—Avalokitesvara $5,590.00 |
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AMERICAN FOLK ART PUPPET THEATRE QUEENS,NY $5,000.00 |
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Clementine Hunter Signed Framed Folk Art Painting Cotton Pickin’ c1977 20×26.25 $5,000.00 |
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vincent van gogh sculpture outsider folk art Dale Teachout assemblage junk $5,000.00 |
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Bessie Harvey Folk Art Found Object Museum Piece!!! $5,000.00 |
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PAIR OF 19TH C FOLK ART PORTRAITS PAINTINGS SIGNED P MARTIN 1886 HUSBAND & WIFE $4,999.99 |
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ANTIQUE 19th CENTURY AMERICAN FOLK ART ETCHED GLASS ALLEGHENY CTY PA GERMAN WOW $4,999.99 |
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ANTIQUE 19th CENTURY AMERICAN FOLK ART FISH HOOK MASSIVE IRON TRADE SIGN $4,999.99 |
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Signed OLD master GESSO FRAME OIL ON CANVAS PORTRAIT NELSON pipe Folk art $4,999.00 |
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Clementine Hunter Folk Art Painting Signed “Picking Cotton” $4,850.00 |
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Chinese folk art sculpture carving stone inkstone double dragon holding the sun $4,690.00 |
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FOLK ART OIL PAINTING PORTRAIT CHILD ICONIC RED DRESS PRINCE CHARLES SPANIEL $4,500.00 |
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Corbels Pair Wood Winged Griffins Victorian Old Paint Architectural Folk Art $4,500.00 |
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FOLK ART PAINTING SULLIVAN COUNTY NEW YORK J R GEROW $4,500.00 |
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Exceptional Folk Art Painting $4,500.00 |
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Johnnie Swearingen! Great Folk Art!!! Peddling Melons $4,500.00 |
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New England Folk Art Portrait on Canvas Ca.1830 $4,500.00 |
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Clementine Hunter Signed Framed Folk Art Painting Wash Day c1977 19.25 x 23.25in $4,500.00 |
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A Outstanding Early Trade Axe,Folk Art Hatchet, $4,500.00 |
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Yuri Gorbachev Original Oil Painting Russian Art Folk $4,490.00 |
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FANTASTIC FOLK ART CHEST $4,200.00 |
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Clementine Hunter Signed Framed Folk Art Painting African Headdress c1977 25.5h $4,000.00 |
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ANTIQUE MINIATURE PRIMITIVE FOLK ART WOOD RURAL SCENE FRAMED 12 1/4″ UNIQUE $3,885.00 |
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*RARE TRAMP / FOLK ART Shoe Shine Box – Brass/Wood-Detailed-Ornate-Exquisite $3,800.00 |
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Antique KNOTTY Tree Root Twig FOLK ART CHAIR Set GOODY KOONCH West Virginia $3,750.00 |
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Original Mexican Folk Art Icons Retablo:18-19th century $3,650.00 |
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Chinese handcraft folk art sculpture carving inkstone-an old man finshing alone $3,590.00 |
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Folk Art Hand Carved Soldier,6ft Tall Pick Up Only $3,532.50 |
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Unique/Exceptional Large Oval Folk Art Santa Claus Wood Carving signed Cobb 98 $3,500.00 |
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Painting Vintage 50s Cowboy Folk Art Levis Jeans Vinicur Little Buckaroo Parade $3,500.00 |
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Advertising Art / Folk Art / Christmas Hooked Rug – 5′x3 1/2′ $3,500.00 |
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Johnnie Swearingen! Great Folk Art!!! $3,500.00 |
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Chinese handcraft folk art sculpture carving inkstone inkslab—Lofty aspiration $3,490.00 |
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Terrazzo Marble Micro Mosaic Latin Ethnic Musicians Mural Folk Fine Art $3,374.99 |
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Original Mexican Folk Art Icons Retablo:18-19th century $3,250.00 |
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FINE 19c EARLY FOLK ART PORTRAIT PAINTING $3,225.00 |
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Israel Jewish Art,Sara Hagay,Israeli Folk Dance “hora”,Oil,Judaica,Framed $3,000.00 |
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mud painting signed jimmy sudduth a real folk art outsider master piece $3,000.00 |
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ANTIQUE AMERICAN FOLK ART WOOD CANE ISLE ROYALE FIRE WW2 D DAY GI ? KENOSHA WI $2,999.99 |
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FRANK WYSO OUTSIDER FOLK ARTIST PENNSYLVANIA COAL MINERS 4 WORKS OF ART $2,999.99 |
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King’s Couch Rare One of a Kind Yard Art from Chicago Folk Hand Made furniture $2,999.99 |
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ANTIQUE 19th AMERICAN FOLK ART NATURALIST BUFFALO SETON STYLE CATLIN PAINTING $2,999.99 |
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Chinese handcraft folk art sculpture carving inkstone inkslab man walk in forest $2,999.00 |
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Chinese handcraft folk art sculpture carving inkstone inkslab a man watch moon $2,999.00 |
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fine Chinese handcraft folk art stone sculpture carving inkstone inkslab scenery $2,890.00 |
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Temperance Movement Folk Art Painting Folk Art Temperance Painting $2,850.00 |
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Anonymous Folk Art Carving Figure with Crown in Skirt with Snake $2,799.99 |
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ANTIQUE OIL PAINTING FOLK ART NEW ENGLAND ‘HUGES’ 1892 $2,750.00 |
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Chinese handcraft folk art stone sculpture carving inkstone inkslab with dragon $2,690.00 |
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FOLK ART Antique Wood Polychrome Carved Asian Figure Sculpture $2,500.00 |
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HUGE 37″ Antique 19th American Folk Art Carved Gilt Wood Eagle Statue Americana $2,500.00 |
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Antique Primitive Folk Art Hand Carved Wooden Dough Bowl $2,500.00 |
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FOLK ART OIL PAINTING OF THE SS “OCEAN” STEAMSHIP $2,475.00 |
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Ca. 1820 American Folk Art Painting Deformed Man $2,450.00 |
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James Harold Jennings Amazing and Colorful Folk Art! $2,400.00 |
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Doris Lee – Folk Art Painting – Signed and Titled – Original Condition $2,400.00 |
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DC: Prison Folk Art Matchstick Ship, HUGE 5′ Length $2,379.00 |
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Amazing ORIGINAL NAUTICAL AMERICAN FOLK ART PAINTING $2,285.00 |
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Early 20th Century Folk Art Sheep Painting/ Inside Barn $2,250.00 |
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FOLK ART COLLAGE/Presidential Stamp Collage $2,250.00 |
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Folk Art Handmade Ceramic Sculpture Plaque Dentist Pulling Tooth Dicker Vintage $2,200.00 |
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ANTIQUE Americana TRADE SIGN IMMIGRATION FOLK ART NYC ICE CREAM PUSH CART $2,200.00 |
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Ohio Pioneer Abraham Betz 1818 HANDWRITTEN LESSON BOOK with FOLK ART $2,150.00 |
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HAITIAN ART: Vibrant PAINTING, SIGNED by Renowned Folk Artist TOUSSAINT AUGUSTE $2,150.00 |
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Philippines National Artist Abdul Imao Brass Sculpture w/ Base Mindanao Folk Art $2,100.00 |
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Ellen Eilers Calico Country Folk Art Woodcut Ornamental Trees Rare Early Work $2,000.00 |
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ANTIQUE 19th CENTURY AMERICAN FOLK ART FRUIT STILL LIFE WATERMELON OIL PAINTING $1,999.99 |
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ANTIQUE AMERICAN FOLK ART WOOD BALEEN CARVED SPERM WHALE GROTESQUE AMERICANA WOW $1,999.99 |
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ANTIQUE AMERICAN FOLK ART SHIP LIGHTHOUSE LARGE OIL PAINTING GERNAND VERMIER $1,999.99 |
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Vtg Rutherford Tubby Brown Xmas 25″Folk Art Santa Claus $1,999.99 |
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AMERICAN FOLK ART GAMEBOARD TABLE WITH SWASTIKAS $1,999.00 |
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Chinese handcraft folk art sculpture carving inkstone peasant work on his land $1,999.00 |
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LAURA SIQUEIROS “POSEIDONS ADVENTURE” FOLK ART PAINTING $1,999.00 |
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Old Folk Art Cinderella pre Disney & Kincade Beautiful $1,995.00 |
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Clyde Connell 1943 Folk Art hooked rug signed LISTED $1,900.00 |
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ANTIQUE AMERICAN FOLK ART WOOD CARVING TOBACCO CIGAR TRADE SIGN ? DISPLAY WOW $1,899.99 |
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Chinese folk art sculpture carving stone inkstone for painting and handwriting $1,890.00 |
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WELSH AMERICAN SIGNED FOLK ART PAINTING JFK PT 109 $1,850.00 |
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ORIGINAL TEXAS ARTIST FERGUSON OIL PAINTING FOLK ART $1,822.50 |
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C Peterson ORIGINAL modern FOLKART sculpture SIGN ART painted OUT of WORK tools $1,817.00 |
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48x48x1.5″█OIL▀PAINTING█ART█LARGE█BIG█PAINTINGS█FINE█RAW█MALE█REALISM█FOLK_POP█A $1,800.00 |
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American Folk Art Painting of Little Girl Circa 1825 $1,800.00 |
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Emma Schrock Folk Art 16″ by 12″ $1,795.00 |
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c1920 Girl Knitting Folk Woman Antique Art Signed Oil Estate Painting $1,795.00 |
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Folk Art Wood Carving Listed Folk Artist Albert Hoffman $1,750.00 |
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Folk Art New England Oil on Canvas Painting/Circa 1860 $1,750.00 |
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HUTCH TABLE WITH FOLK ART 4 SEASON ARTIST PAINTED TOP $1,750.00 |
