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Kathy Burns-Millyard's Articles

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  • 6 Cheap Bedroom Decorating Ideas
    When you're looking for ways to redecorate your bedroom easily and cheaply, you might feel at a loss of where to start. It's easy to do though, and here are six quick decorating ideas for your bedroom that won't break your budget:

    1. Move the Furniture - Yes, something as simple as rearranging the room can make a huge difference in how it feels. This is one of the easiest ways I know of to make a room feel new... and it doesn't cost a dime.

    Try putting your bed in a cor...
  • Back To School Checklist
    Many American children are starting back to school soon, and no matter how young or old they may be: There is always a long list of items that must be purchased in preparation. This list is an overview of the basic stuff most kids need - whether they're starting kindergarten or college.

    1. Backpacks and bags: Attending school usually involves keeping track of books, papers, pens and more. So carrying bags are a must. Younger children prefer backpacks, and many cute ones ar...
  • Debt Management: How Deeply In Debt Are You?
    When you feel like you're drowning in a never-ending sea of debts, it can be very difficult to take a really close, hard look at the actual dollar amounts. As strange as it might seem though... not knowing the exact dollar amount of every debt you owe can make the problem seem much bigger than it might actually be.

    And the first step to solving any problem, is knowing exactly what the problem is... and how bad it is too.

    So if you're ready to start reducing and eliminat...
  • Gift Ideas For Teenagers
    If you've ever tried to buy gifts for teenagers, you've probably run into a common problem: Teenagers are hard to buy for!

    Buying gifts for teenagers is difficult. Each one has their own tastes and style, and some are influenced by popular culture while others aren't. So the first step in figuring out what kind of gifts to buy for teenagers, is to find out a bit about the teenager. If that fails though, here are 5 gift ideas that tend to go over well with almost any of the...
  • How To Make Money With Photography
    There are many ways to make money online with photography, but a popular and fairly new way is through Micro Stock Photography websites.

    Micro stock photography is simply stock photography that's sold at deep discounts. Clients are able to license stock photos for just $1 or $2, and photographers earn money each time a client chooses one of their photos.

    Micro stock photography is considered to be still in it's infancy, and some people feel it's wrong to sell photograph...
  • How To Reduce Debt By Saving Money
    Many people are confused by the idea of reducing their debt by saving money. It's easier than you think though, and makes complete sense when you understand the concept.

    By saving money on your everyday fixed or variable expenses, you have more that can be contributed towards paying off your outstanding debts. And the faster you pay these debts, the more money you save in interest accumulation.

    Let's say for instance, that you have credit card debts of $10,000. And let'...
  • Is Bankruptcy The Answer To Your Debt Problems?
    If you feel overwhelmed with debt, you've probably thought about filing bankruptcy. Many people see bankruptcy as a way to completely erase all their current debts, and simply start fresh financially. Like any major financial decisions in life though, bankruptcy has both pros and cons. Let's take a look at an overview...

    The first thing you should know about bankruptcy is there's more than one type. It's also good to know that there are differences in bankruptcy when busin...
  • Is Debt Consolidation Good Or Bad?
    Many people suffering from deep debt obligations often look towards debt consolidation as the answer to their problems. Sometimes the debt is so painful, they don't always look at both the pros and cons of this debt solution though, so we'll take a brief look here.

    First though, what is debt consolidation? Simply put, it's the process of combining all your debts into one. If you have ten debts of $10,000 each, then you have a total debt of $100,000. Some of those debts how...
  • Lamps Are Decorative And Functional Too
    Many people don't think twice about the lamps and lights in their home. When you're trying to spruce up your decor though, or creating a brand new decorating theme, one of the best places to start is with lamps... because they can be both beautiful and functional at the same time.

    Here are several popular types of lamps to consider when decorating a room in your home:

    Table Lamps - Table lamps are wonderful for both decorating and functionality. They come in a variety o...
  • Taking Pictures That Sell: People
    If you want to take pictures that sell very well - particularly in stock photography portfolios - you need to be taking pictures with people in them.

    People add variety, interest, and unique perspectives to pictures. Even if you take a picture of something others have taken pictures of millions of times before, if yours has people in it, it will be unique.

    Consider: How many ways can you take a picture of an apple? And yes, apples can say a wide variety of things: Nutri...
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