Category Archives: Garden State Living

Hip New Jersey spotlights the businesses and communities that are making the Garden State fabulous!

Deerkill Day Camp

Deerkill Day Camp

Summer is right around the corner, and now is the time for parents to find their summer camp!  #HipNJ’s Lisa Marie Latino spoke with the owners of Deerkill Day Camp, Todd and Rebecca Rothman, about summer camps and what you can find at Deerkill Day Camp.

“Parents better start their search now and come on weekend tours to visit the camp before slots get filled,” explains Todd. Todd also mentions how the number one thing parents should look for in a camp is if it’s  ACA- Accredited. This means that your child’s summer camp cares enough to undergo a thorough peer review of its operation- from staff qualifications and training to emergency management.

Deerkill Day Camp is more than buildings, equipment, and scenery – it is a community, a vibrant space where each boy and girl contributes to the cooperative spirit that makes day camp such a magical place. When Rebecca’s grandparents Irwin and Mildred Rhodes founded Deerkill (Dutch for “deer stream”) in 1958, they wanted to create a community where children would be happy to explore their curiosity, develop new skills, form lifelong friendships, and, of course, have fun.

Now, 6 decades and 3 generations later, Deerkill Day Camp is still owned and directed by the Rhodes family and it is still that special place. Rebecca shares that their program is a really nice mix of both traditional and modern twists. They still have all sports that people would play at camp 20 years ago with an addition of new programs like movie-making, cooking programs and yoga. There is never a dull moment, you always have something exciting to do!

“Deerkill Day Camp is a nice mix of sports, arts and nature, an amazing opportunity to be totally unplugged, get away from all devices and be physically active getting in touch with outdoors.” – shares Rebecca.

To learn more about why so many families have turned to Deerkill Day Camp for their summer fun, visit them on their website. There you can find there virtual tours, videos and dates and rates. You can also follow them on Facebook, Instagram and Twitter.

finances

How to Get Your Finances Back on Track This Year

The festive season is a welcome diversion in the depths of winter, but it can leave you with a financial hangover that lasts well into the new year. A fairly frugal celebration can still mount up, and if you get carried away by the spirit of the season, you can easily spend way over your initial budget, putting yourself in a tricky financial situation. Now we are well into the new year, have you been brave enough to calculate the final bill of your festive expenses? Or are you hoping your battered finances will sort themselves out if you carry on as you are?

You probably already know this, but hoping for the best and avoiding doing the sums isn’t the way to go, and could end up costing you even more. Far better to grab the bull by the horns and see exactly where you stand. You never know, it might not be as bad as you fear; and if it is, then the only way to improve your situation is to muster the facts and take the actions required to resolve any problems.

Assessing your financial situation
If you use a personal budgeting spreadsheet, get your figures up to date, and you’ll soon see how any Christmas expenses have affected your forecast. If your budget is well-planned, you’ll have set aside a certain amount for Christmas, for example, and it’s worthwhile comparing what you budgeted with what you spent so you can update for next December. If you don’t have a personal budget – which is a valuable tool that you would do well to start using – reconcile your bank statements, credit card bills, and other expenditure to get an accurate picture of your current funds and debts.

Taking action to improve your financial situation
This is where a personal budget can be so helpful because it gives you a quick way to see how well you’ll recover from any bout of overspending or unexpected expenditure. If you have a modest amount of credit card debt, you could see how much extra you’d need to allow each month to pay it off, and work out where you need to economise if necessary. Credit card debts can soon spiral when the interest is added, so if you aren’t going to be able to pay the cards off and avoid large interest payments, have a look at balance transfers to see if you could save money and buy yourself more time by juggling your debts between zero interest accounts. It may cost a fee or percentage to switch, so work out which options represent the lowest overall cost before making any decisions.

If you’re concerned about being able to repay what you owe, you could consider a consolidating loan that gathers all your debts into one, reducing your monthly repayments and giving you some breathing space. Be careful if you choose this option, and make sure the loan repayments aren’t being charged at high interest, otherwise, you won’t be any better off.

What Is a Credit Reporting Agency and Why Should You Care?
Credit reporting agencies are definitely something you should care about, because the information they hold about you could have a significant impact on your ability to get credit, including loans and mortgages, and may affect other critical areas of your life, such as being able to rent a place to live. The agencies gather data about your spending and financial management, recording the amount of debt you have plus any missed payments or other indicators that you may have problems repaying debts.

Every time you apply for any form of credit or an agreement with a financial component, the organisation with whom you’re transacting will do a check with a credit reporting agency before reaching a decision as to whether to lend to you, and if they do, what rates of interest or other special provisions should be applied. Therefore, you need to keep on top of your debts and manage your credit facilities effectively to avoid any repercussions down the line.

The most important action you can take is to find out what state your finances are in. Once you know, you can either breathe a sigh of relief, or be able to look at the best ways of managing any debt you’ve accrued and pay it off before it gets any worse. It’s always better to have the information, and take steps to resolve any problems, so if you’ve been avoiding the issue, don’t leave it any longer or you could still be paying off debts well into the year.

Audrey Davis Get Your Goddess

Audrey Davis: Get Your Goddess

Get your goddess on with #HipNJ’s Lisa Marie and CEO of Get Your Goddess, Audrey Davis.

Audrey Davis is a strong woman on a mission. She hopes to encourage ‘Goddesses’ to come together and create a greater message for the younger generation. Get Your Goddess is an organization dedicated to celebrating what is RIGHT and BEAUTIFUL about YOU!

Audrey empowers women by teaching the goddess basics of embracing your goddess: Power, Beauty, Movement, Music and Achievement. Embrace your inner goddess, laugh at yourself, turn up the music, dance what you feel and love who you are.

Audrey creates and holds powerful workshops designed to inspire and motivate women to embrace their natural beauty and ignite their inner Goddess through movement, music and self-reflection. For her, “Get Your Goddess is moving through this world powerfully with confidence and designing the life that you love!”

Audrey discusses the reasons why it is difficult for most women to embrace their inner power. The underlying messages that women are getting again and again that they are not pretty enough, not skinny enough, not good mothers enough, not good enough at their careers. The fear within them that these messages create, stops them from embracing the goddess they have.

Audrey’s message to all women is that being a Goddess  is a mindset and a decision. When a woman decides to ‘get her goddess‘, she unleashes ‘a free & fearlessness to be who she is in all of her glory!

To learn more about Audrey Davis and her goddess mission ,watch the video above and check out her website! To get a little dose of goddess inspiration everyday follow her on Facebook, Instagram, and Twitter.  

You can win a gorgeous “Get Your Goddess” gift basket  from #HipNJ! Here’s how to enter our giveaway:

  1. Follow @HipNewJersey on FacebookTwitterInstagram and LinkedIn.
  2. Find our “Get Your Goddess” contest post.
  3. Refer to the post’s rules.

One lucky winner will be picked at the end of March!