In your family room or living area, try drilling a small hole in some very charming shells and string them on fine fishing line. These can be used as tie-backs for draperies or curtains, or as a very unique valance. Just decoratively hand them from a curtain rod and let sunlight play wonders with pearl-like qualities many shells have. You can also use an ice bucket and fill it to overflowing with large shells that beckon glances and give food for conversations. Add shells to candlestick holders, or flower vases.

In a bathroom, highlight a soap dish or other bathroom ornament with a few shells. Place very small ones in a crystal clear vase and then add your flowers. The water won’t do them any harm and they add exciting highlights to your blooms.

However you decide to use your seashells, let your entire family join in fun. There will be laughter, after-vacation fun and memories. Everyone will have a different slant on how to use them, but never let these jewels of sea be hidden in a drawer or box. They are too lovely and yes, practical, to be forgotten.

If you still have shells leftover, it’s not too early to start thinking about holiday gifts. I’m sure anyone would be delighted with a gift that brings sea right into their home, especially if they can’t get away or get to a seashore. Adding to gift, knowledge that it took thought and effort to create a one-of-a-kind gift, just makes it more of a cherished memento. Seashells that you find on beaches or seashores are a gift from Nature to family, friends, and your home. ENJOY! ©Arleen M. Kaptur 2002 July

5. Store your financial records together and review them on a regular basis.

6. Have a budget and stick to it. Keep track of expenses and you'll be less likely to spend money on trivial items.

7. Stock your kitchen and plan ahead for dinner so you'll eat out less often.

8. Plan several months ahead for normal purchases so you can buy in bulk and take advantage of sales. This includes food staples, paper goods, toiletries, clothing and gifts.