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Hand Sanitizers – One Dozen Homemade Recipes

Photo Credit: Unsplash

The news about the coronavirus is rapidly updating with a vast number of outbreaks. The fact that the amount of cases of COVID-19 has grown substantially, OVER 114,000 worldwide and has spread over 800 in the United States is alarming.

How scary for our children and grandchildren!! However, it’s been stated in the news that it is more threatening and invasive for the elderly…but, anyone can get it! 🙁

Well, I’m elderly! lol – I believe that 59 (in a few days) substantiates as being elderly, does it not? 😉

Photo Credit: Unsplash

Since there is a thriving number of shortages due to the spreading of this virus, I decided to write this article and also, (stock up on toilet paper). LOL!

The shortage of hand sanitizer is distressing, to say the least. And, since I don’t know the particular ingredients of sanitizer, I came up with this post idea.<br>

I hope ya’ll appreciate the list of websites for homemade hand sanitizer that I compiled.

Photo Credit: Unsplash

One Dozen Hand Sanitizer Recipes

If you know of an excellent homemade hand sanitizer recipe, you can comment below. I’d love to hear from you. <3

Thank you for reading! =)

Tammy <3

Grandparenting Tips For Teaching Kindness

teaching kindness to grandchildren

With the election fast approaching, it seems the world is full of the mindless shenanigans and political ramblings these days, and right along with all the un-kind comments. I certainly don’t like to get into the middle of all the heated debates. I’d much rather focus on pleasant thoughts and think about kindness in the world; which brings me to writing this blog post. 😉 <3

I know that it’s my job (as a grandmother), to always offer grandparenting tips to my precious grand blessings.

Well, this time, I want to focus on teaching my grandchildren about kindness. However, I do realize that my son and daughter-in-law have always taught them well with the (please and thank you) and holding the door for people, etc. My grands are super nice and kind in that regard. They also are growing up fast. And they sound so “grown up” when they talk. Grandma is so very proud of them!! <3 <3 Love them so!

I want to take teaching kindness a little further and express ways they can show or things they can do for showing kindness to others.

teach your grandchildren kindness

However, first, I wanted to share with you a few “kindness quotes” from 😉


Kindness is the language which the deaf can hear and the blind can see Mark Twain

For beautiful eyes, look for the good in others; for beautiful lips, speak only words of kindness; and for poise, walk with the knowledge that you are never alone Audrey Hepburn

Let us more and more insist on raising funds of love, of kindness, of understanding, of peace. Money will come if we seek first the Kingdom of God – the rest will be given Mother Teresa

He that has done you a kindness will be more ready to do you another, than he whom you yourself have obliged Benjamin Franklin


teach kindness to your grandchildren

Here is the list that I’ve compiled for my grands for (showing kindness) in the world

* Give a nice compliment to someone

* Wash a car for someone

* Deposit some change in a vending machine for someone

* Return a cart for someone at a supermarket

* Let someone go ahead of you in line

* Send a card to a service member

* Donate some socks and supplies to a homeless shelter

* Visit various nursing homes and sing for the residents

* Donate food to a food pantry at your local church

* Create a get well card for someone that is sick

* Make dinner for a neighbor

* Make friends with someone new at school

* Fill a kindness jar with coins and candy for a needy family

* Help someone load groceries in their car

* Write a nice poem to one of your special friends

* Tell a close friend you love them

* Pay for someone’s drink or coffee

* Help your mom cook a meal

* Give some fruit or some kind of treat to your bus driver

* Pick up trash/litter for your neighborhood

* Volunteer at an animal shelter

So there you go, this is the type of kindness I was referring to. If you’d like to chime in, let your ideas be known. =)

Thank you so much for reading!! <3

Building a Comfortable Financial Future for Your Children

financial future
Image Via Unsplash

Once you start having children, you’ll need to ensure there is room in your budget for kid-related expenses like childcare, diapers, and baby formula—as well as future expenses such as your child’s/grandchild’s college education. This is no small order, especially if you aren’t used to thinking about budgeting. Read on to find out how to establish a solid financial future with the choices you make today.



Expert vs. DIY Budgeting

What is your current budget situation? Part of your planning needs to involve knowing exactly where your money is going, and making goals for your financial future. Your budget is your roadmap on the journey.


financial future

If you have never arranged a budget before, this is an essential first step. To assist you, it may be the perfect time to hire a financial advisor —especially if you’re feeling overwhelmed and don’t know where to start. A financial advisor can assist you in developing savings and spending strategies that fit with your lifestyle. If you’re already struggling or don’t know where you can squeeze out another cent, it’s a great way to get your footing.


On the other hand, adding a tool or two might be enough to help you get a better feel for your finances. Consider adding an app to your phone like Every Dollar or Mint. Most budgeting apps are inexpensive or free, and with a tool right on your phone you can track spending on the fly.



Purchase Life Insurance


Business Insider explains that purchasing a whole or term life insurance policy is an essential step for parents, as this type of coverage protects your children or grandchildren in the event of an untimely death. Disability insurance and long-term care insurance are also worth consideration in case something untoward should happen to you.

financial future

You can protect your children even further if you purchase burial insurance. Also known as final expense insurance, this type of policy covers the cost of your final arrangements—such as your funeral, burial, or cremation expenses—and it may even pay for your outstanding debts, personal loans, and medical bills.



Get Your Estate in Order


Like purchasing insurance, it’s important to write or update your will to ensure that your beneficiaries and assets are in order once you start raising a family. As part of the estate planning process, for instance, consider creating a list of your assets, naming a backup guardian for your children, and reviewing or updating your beneficiaries as needed. If you’re looking for legal advice, it may be wise to hire an estate lawyer to assist you.




Open a College Savings Fund


To keep your children from drowning in debt by the time they graduate from college, it’s important to start saving for their education as early on as possible. Some of the best college savings plans include Coverdell Education Savings Accounts (ESAs) and 529 plans. Mercer Advisors recommends getting familiar with both savings plan types before you decide what fits your situation best.


financial future


However, don’t skimp on your own retirement contributions in order to save for your child’s future college education. Your child can always apply for student loans, grants, and scholarships when it’s time to pay for college—but these same options won’t be available to you when you’re ready to retire.



Save for Other Expenses Along the Way


In addition to purchasing life insurance, drafting an estate plan, and saving for your child’s college education, you’ll need to plan for other expenses along the way. These expenses may include:


  • Private schooling.
  • Sports and extracurricular activities.
  • Gifts for your children and their friends.
  • Financial emergencies such as unexpected medical bills.
  • Transportation costs.
  • College admission tests such as the SAT and ACT.

Where are your family’s financial priorities? With a sound budget, you can set your goals and aim high. Cover your essentials so there is a safety net in place, then rest assured, the future belongs to you and yours.

financial future

Nice Break From Social Media And An Amazing, Winter, Vacation

Grandma sure never realized she was capable of staying away from ALL social media completely for (five) straight days and remain sane…until today!! LoL – (A couple of days after returning home — Dec 12th or thereabouts). 


Facebook, Twitter, and YouTube has consumed much of her life for most of 2019. She also, never realized she could miss a few group of sweet friends and family like she did. Even though, it was just a short (three day and night) getaway, it turned out to be something Grandma Embrich will not soon forget!

The Embrich family: Mom, Dad, their son, their daughter-in-law, and two grands set their sights on Dells Wisconsin; a colder climate and a state they’d never fancied before.

The Big White Windmills
Various clusters of huge, white windmills awaited their journey as they neared the destination of Great Wolf Lodge; an extra treat the (little clans, especially) found very cool and entertaining. There were way too many windmills to count! Lol

They were definitely unexpected and (one of the favorite parts) of a winter vacation that made the whole 418-mile-trip perfect. It also, made for some quite educational conversation among the kiddos…AND the adults. 😉

Are We There Yet?! The grandchildren gave the question phrase, “Are We There Yet?” a whole new meaning for sure! Well, it of course, started with hours; as it took approximately five and one half hours to get there. Really, it was way closer to six! =) When their destination was down to minutes, the kids grew quite carried away with shouting them out. LOL 😉

40 min!!
30 min!!
20 min!!
15 min!!!!! 14, 13, 12, 11, 10 minutes!!!!!! 😮

9, 8, 7, 6, 5, 4, 3,

2 MINUTES!!!! Yes, they were STILL shouting!! And finally…..ONE MINUTE!!!! Arrived!!! 🙂

That afternoon, the Embrichs absorbed the total relaxation of the cabin’s atmosphere and just chilled for about an hour or two while the grandchildren played before going to dinner. A few free meals was part of the vacation package.

Winter Water Park Fun!

Mom and Dad Embrich didn’t enjoy the water park near as much as the kids and grands did. However, it was very nice…the seniors took a long break at the hot tub! They found a place to efficiently unwind with the screams, shouts and water splashes becoming somewhat muffled as each moment ticked by in the warm, jetted, and (oh, so calming) water. What a beautiful day it turned out to be!

A Nap!

The next day, the Embrich’s (well the young ones that is), took to the water park for more fun at the slides, tubes, and who knows what else. Although, Grandma needed some nap time. She loves naps, especially the vacation type. LOL! Papa hung out in the cabin living room.

Cheese, Frozen Two and Log Furniture

The last (full) day of the (unforgettable), winter getaway, the family enjoyed some cheese, Frozen Two, and browsing some nice log furniture. The cheese store was FILLED with more kinds of cheeses than you can imagine…well, maybe not that much! 😉

The tribe decided to (sort of) not eat a normal dinner and instead fill up with popcorn at the movie theater while enjoying the charming movie, Frozen Two. Well, the dinner plans didn’t materialize as expected. After the movie, AND making their way through a beautiful log furniture store, they enjoyed some awesome tasting cheese, summer sausage, and crackers; (and that wasn’t a mere snack or desert). They all had to have (that) as well. Grandma also enjoyed some candy that enticed her at the cheese factory. Hmmm! lol. A perfect ending to a perfect vacation day!


As the Embrich family started home, they took a gander around a nifty antique store…actually, Papa quickly had another name for the place. He named it “The Granny Store,” as the front window displayed some old bowls, pitchers, and other obsolete, prehistoric dishes that were faded and chipped. The plethora of inventory was a bit pricey; although the laze of the morning stroll was delightfully entertaining before the drive home.

Home Sweet Home!

With fond memories of Wisconsin’s Great Wolf Lodge lingering, they were happy to be home, safe and warm. It was quality time well spent…Family Time!

Thank you so much for reading! <3

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