Famous people are always trying to do movements. Like currently Oprah is doing a NO texting while driving. I would love to do the same thing.
People don't realise how much control WE have on prices. Compaines cannot charge as much as they do if we don't buy it.I have gone on my own rebelion series. I decided to shop at Famer's Markets, Thrift Stores, Craigslist, and Swap meets before I will even go into a retailer store. Real people know fair prices, and know what they would buy something at, not a big shot who sits up in a 50 floor office in a chair with a cell phone attached to his hand in a suit and tie.
If enough people did this, they would have to lower the cost of goods and produce. They cannot charge what the public won't pay. I wish more people understood this, we could take back so much power from the goverment and things.
People say is not what you say, its what you do or show. So many people complain til they are red in the face, but you can have a stronger impact silently.
Pick Farmer's Markets, Thirft Stores, Craigslist, swap items with friends, go to a local city swap meet. And give your hard earnings to those who worked hard and who are not going to rip you off.
Saturday, January 23, 2010
Grocery Savings
I use to cut coupons, but found that I was buying more things I did not need.I just thought it was a bargain because I found a coupon. Try this:
1. Only buy what you need
2. Make a list
3. Take CASH, no credit or debit card (you will end up spending more money). You cannot spend what you don't have on you right?
4. Don't pick up a grocery cart, this will help you get only what you need if you have to carry it yourself.
5. Pick up and adversitement and see what's on sale first.
6. Get a discount card to the grocery store you frequent, and make sure to keep it in your wallet.
7. When buying meat. If you buy the meat that is already cut up and in a plastic tray it make cost you $5.00, but if you find a large hunk of the same meat for .98 a lb you can take that to the butcher, he will slice it up for you for free, put it in the plastic tray and you will be charged the lower amount. You can get the lower price AND still get it cut up and prepackaged.
Food
Salad Prepackaged $4.50
Head of Lettuce $1.50
Cut/sliced Carrots $3.50
Single carrots $.50 lb
Bag of Apples $4.00
Single Apples $.55 lb
Remember to always shop at Farmer's Markets!!!!
1. Only buy what you need
2. Make a list
3. Take CASH, no credit or debit card (you will end up spending more money). You cannot spend what you don't have on you right?
4. Don't pick up a grocery cart, this will help you get only what you need if you have to carry it yourself.
5. Pick up and adversitement and see what's on sale first.
6. Get a discount card to the grocery store you frequent, and make sure to keep it in your wallet.
7. When buying meat. If you buy the meat that is already cut up and in a plastic tray it make cost you $5.00, but if you find a large hunk of the same meat for .98 a lb you can take that to the butcher, he will slice it up for you for free, put it in the plastic tray and you will be charged the lower amount. You can get the lower price AND still get it cut up and prepackaged.
Food
Salad Prepackaged $4.50
Head of Lettuce $1.50
Cut/sliced Carrots $3.50
Single carrots $.50 lb
Bag of Apples $4.00
Single Apples $.55 lb
Remember to always shop at Farmer's Markets!!!!
Invest in a NuWave Oven
For those of you who don't know the NuWave is a convevtional oven its great and I love it. It sits on top of your counter, and its round. It comes with different level trays, an exspanion rim, and the top. It is so easy to use, and you can cook meat stright out of th freezer WITHOUT defrosting!!!!
They retail on amazon.com for about $120.00, but I found mine on craiglst for $50.00 for the ocmplete set that you see on tv. And it is so worth it.
1. cook meat straight out of the freezer, no defrosting
2. no pans to clean up
3. saving on electric bill for stove/oven use
This works well for a small family, I cooked for mine when my mother was visiting this week and I made dinners for 3 people on it.
Pork chops take 8min
steak 12 mins.
salmon 10 min
chicken 20 min
Pot roast 38 min
And you can steam vegtables, barbeque, etc. I love it so much and its simple clean up. I am often skeptical about things on info commercials but I'm tellin you its so worth the money and it works. Everything I cooked above came straight out of my deep freezer!!!
you can even make pizza in it. Imagine putting steak, baked potates and vegtables into 1 machine and it all being cooked together!!!! You will not be disapointed!!!!
They retail on amazon.com for about $120.00, but I found mine on craiglst for $50.00 for the ocmplete set that you see on tv. And it is so worth it.
1. cook meat straight out of the freezer, no defrosting
2. no pans to clean up
3. saving on electric bill for stove/oven use
This works well for a small family, I cooked for mine when my mother was visiting this week and I made dinners for 3 people on it.
Pork chops take 8min
steak 12 mins.
salmon 10 min
chicken 20 min
Pot roast 38 min
And you can steam vegtables, barbeque, etc. I love it so much and its simple clean up. I am often skeptical about things on info commercials but I'm tellin you its so worth the money and it works. Everything I cooked above came straight out of my deep freezer!!!
you can even make pizza in it. Imagine putting steak, baked potates and vegtables into 1 machine and it all being cooked together!!!! You will not be disapointed!!!!
Friday, January 22, 2010
Collect Free and Resell
I am up at midnight, I was not planning on it but when I get a great idea in my head I cannot sleep.I was trying to think of ways to create extra income, this could be put towards debt, or my savings account.
Many people put things on craigslist "free" section. And others try to sell things. I'm sure this is not a new idea, but I decided that I am going to collect whatever free things there are baby items, appliances, etc that are still in good condition and get a booth at the farmer's market and sell the items.
I could list them all on Craigslist, and take them to the farmer's market every weekend. Ok, so their are probably tons of people doing this. Getting free items, fixing them or whatever and turning and making a profit off of it.
Its a great idea, especially if all I have to do is drive to the place to collect it. My husband will be gone in Afghanistan, so I will have tons of time to collect.
Why not? No different than having a grage sale from your home? The only thing is I'm taking the time to sell what other people don't want to take a little time for. This possibly could be a way to pay off my debt on my credit report.
Many people put things on craigslist "free" section. And others try to sell things. I'm sure this is not a new idea, but I decided that I am going to collect whatever free things there are baby items, appliances, etc that are still in good condition and get a booth at the farmer's market and sell the items.
I could list them all on Craigslist, and take them to the farmer's market every weekend. Ok, so their are probably tons of people doing this. Getting free items, fixing them or whatever and turning and making a profit off of it.
Its a great idea, especially if all I have to do is drive to the place to collect it. My husband will be gone in Afghanistan, so I will have tons of time to collect.
Why not? No different than having a grage sale from your home? The only thing is I'm taking the time to sell what other people don't want to take a little time for. This possibly could be a way to pay off my debt on my credit report.
Wanting to Adopt in the future
I cannot have a baby, but am researching ideas for adoption. to figure out costs and things. We don't have a lot of money and I need to fix my credit report first of course and get a savings. But I like to prepare and know things in advanced.
I was informed that if I want to adopt if I adopted through the County their is no fee to adopt a child. The child would receive AAP Benefits (Adoption Assistance Program) of $500 a month until the child is 18 or possibly 21. They also receive Medicaid through the government until 18 yrs of age. And the county provides free child care classes for adoptive parents.
This sounds so wonderful, and something I am looking forward to so much. It gets me motivated to get healthy and stronger as well as fix my credit report.
This might be a year or more away for me, but I was also thinking. You don't ever have to pay full price for anything, and I spend a lot of time on craigslist in the FREE section. I know that I will adopt a child (boy & girl someday) and often people are just giving away free bags of kids clothing, or baby items like strollers, car seat, bedding, high chair. I wish I had more space for storage, but I am planning to collect all the baby items I can get for free and box them up (like clothing or toys) and keep them waiting for my adoptive child. So when I get that child I will have not have paid anything for it. The only thing it will have cost me is gas money to pick the item up. But people drive to the store AND buy name brand items anyway, aren't they paying more doing this?
I think its a good idea and its planning ahead too. Find items FREE or USED and save the difference. Children don't know the difference....
I was informed that if I want to adopt if I adopted through the County their is no fee to adopt a child. The child would receive AAP Benefits (Adoption Assistance Program) of $500 a month until the child is 18 or possibly 21. They also receive Medicaid through the government until 18 yrs of age. And the county provides free child care classes for adoptive parents.
This sounds so wonderful, and something I am looking forward to so much. It gets me motivated to get healthy and stronger as well as fix my credit report.
This might be a year or more away for me, but I was also thinking. You don't ever have to pay full price for anything, and I spend a lot of time on craigslist in the FREE section. I know that I will adopt a child (boy & girl someday) and often people are just giving away free bags of kids clothing, or baby items like strollers, car seat, bedding, high chair. I wish I had more space for storage, but I am planning to collect all the baby items I can get for free and box them up (like clothing or toys) and keep them waiting for my adoptive child. So when I get that child I will have not have paid anything for it. The only thing it will have cost me is gas money to pick the item up. But people drive to the store AND buy name brand items anyway, aren't they paying more doing this?
I think its a good idea and its planning ahead too. Find items FREE or USED and save the difference. Children don't know the difference....
Food Bank, Great Assistance
People probaly wonder why should I go stand in a food bank to collect food?
Many people think of it as not being able to support their family, being a loser, or they have to much pride to do this. But what they don't understand is that even the littlest help can make such a big difference.
Food Banks don't require idenitication and you can go as often as you need to, their are also many location distributions that you can attend. Many are once or twice a month. You can get the same foods you would buy at the store, spaghetti, peanut butter, rice, drinks, soup, canned vegtables. And even fresh foods. the food banks I atttend give large bags of lettuce, fruit, and potatoes.
Typlically (with the economy) you could wait inline from 1-2 hrs. But you can meet some amazing people standing in line. Not everyone is poor, some are just out of work, and many are with their kids. I enjoy not knowing who I'm going to meet or talk with while i'm in line. And I am amazed everytime.
It keeps you humble. When you realise how many people need help or how getting the extra support helps your family it keeps you grounded and humble. And often if there are things I recieve from the Food Banks I take and share with my friends.Some of my friends and I go together, and we stand in line together and talk.
The biggest way these programs help, it allows me to strech my income and use my money for other things that come up. A medication co-pay that insurance would not cover, gas, if the car breaks down, or other things that come up out of nowhere.
Its those little things that cathc people for a loop and cause us to borrow money from family, friends, banks, co wokers, or put us in the negative with our bank. Then we get a $25.00 charge. No one likes that.
People don't like handouts, but if you change your additude you will see the money left over in your account to help your family with other things and you will feel good about going to the Food Bank.
Many people think of it as not being able to support their family, being a loser, or they have to much pride to do this. But what they don't understand is that even the littlest help can make such a big difference.
Food Banks don't require idenitication and you can go as often as you need to, their are also many location distributions that you can attend. Many are once or twice a month. You can get the same foods you would buy at the store, spaghetti, peanut butter, rice, drinks, soup, canned vegtables. And even fresh foods. the food banks I atttend give large bags of lettuce, fruit, and potatoes.
Typlically (with the economy) you could wait inline from 1-2 hrs. But you can meet some amazing people standing in line. Not everyone is poor, some are just out of work, and many are with their kids. I enjoy not knowing who I'm going to meet or talk with while i'm in line. And I am amazed everytime.
It keeps you humble. When you realise how many people need help or how getting the extra support helps your family it keeps you grounded and humble. And often if there are things I recieve from the Food Banks I take and share with my friends.Some of my friends and I go together, and we stand in line together and talk.
The biggest way these programs help, it allows me to strech my income and use my money for other things that come up. A medication co-pay that insurance would not cover, gas, if the car breaks down, or other things that come up out of nowhere.
Its those little things that cathc people for a loop and cause us to borrow money from family, friends, banks, co wokers, or put us in the negative with our bank. Then we get a $25.00 charge. No one likes that.
People don't like handouts, but if you change your additude you will see the money left over in your account to help your family with other things and you will feel good about going to the Food Bank.
Waiting to get paid
Ever plan to do something positive for your life and for your finances and when your waiting for that check it takes longer to show up?
This is what I am going through, I made a plan three weeks ago and am waiting for my funds to arrive. This always seems to happen when I decide to make a plan. My tax lien of $250.00 is first on my list, and as soon as I get that check I am going straight to the bank and getting a money order to pay it. To help myself get there I plan to take an addressed stamped envelope.
Whenever you pay a debt, its best to pay it with a money order. Keep ALL your receipts, and even copy the envelope. I keep all mine in a binder. If anyone ever comes back to you about not receiving payment you can pull out all your copies.
Its just a way to protect yourself.
This is what I am going through, I made a plan three weeks ago and am waiting for my funds to arrive. This always seems to happen when I decide to make a plan. My tax lien of $250.00 is first on my list, and as soon as I get that check I am going straight to the bank and getting a money order to pay it. To help myself get there I plan to take an addressed stamped envelope.
Whenever you pay a debt, its best to pay it with a money order. Keep ALL your receipts, and even copy the envelope. I keep all mine in a binder. If anyone ever comes back to you about not receiving payment you can pull out all your copies.
Its just a way to protect yourself.
Saturday, January 9, 2010
Living Frugally
Living frugally I think is a great idea, and so many people are choosing to live this way. I can think of some ways on my own:
1. Get what food you can at Food Pantries, and Food Banks first like staples
2. Shop at Farmer's markets for fruits/vegtables
3. But Meat when it is less than $1.00 a lb and buy in bulk
4. Get a deep freezer for stocking up
5. Shop at thrift stores and goodwill, some have clearance days too!!
6. Shop at Dollar Stores for house hold items before going to retailer stores
7. If you have items in your home, sell them and make $
8. But in bulk at Costco paper products, laundry detergent, for the entire year
1. Get what food you can at Food Pantries, and Food Banks first like staples
2. Shop at Farmer's markets for fruits/vegtables
3. But Meat when it is less than $1.00 a lb and buy in bulk
4. Get a deep freezer for stocking up
5. Shop at thrift stores and goodwill, some have clearance days too!!
6. Shop at Dollar Stores for house hold items before going to retailer stores
7. If you have items in your home, sell them and make $
8. But in bulk at Costco paper products, laundry detergent, for the entire year
Friday, January 8, 2010
Save big in January
You know, I get a ton of advertising emails. But they are keeping me up on sales. The best time to shop is Janurary, their are so many sales. Stragety that i was thinking about is claming 0 on your taxes every year. When you collect it the next year take that money and buy everything you need for the entire year. For example, buy in bulk at Costco, things like Laundry Detergent, paper towels, paper plates, shampoos/conditioners. Things like this you can caluate how much you use and buy for the year.
Also investing in a deep freezer is a great idea. I did this. Mine hold 150 lbs of food. In it I keep only meat, I also freeze bread. I stock it full I find that Food 4 Less has cheap meat prices for meat in bulk. I buy it when I see it onl sale and stock pile it. In my normal fridge in the freezer part I keep frozen vegtables and stock up on them when also on sale.
Bath & body Works was having a sale on their Body Wash foam. I love the stuff. its normally $12.50 a bottle, but in Janurary they are selling now for $3.00 a bottle. So I bought 10 of them. They will lat me for the rest of the year. Now I don't need any soap!!
Try to buy items at the beginning of the year when stores want to get rid of inventory from the last year. If you use your income tax return then its not like your loosing money, you never had it in your account anyway. Think of the things that you can buy and store that won't go bad (toothpaste, paper products, detergent, cleaner) then you can save all your paychecks for the rest of the year!!!
Also investing in a deep freezer is a great idea. I did this. Mine hold 150 lbs of food. In it I keep only meat, I also freeze bread. I stock it full I find that Food 4 Less has cheap meat prices for meat in bulk. I buy it when I see it onl sale and stock pile it. In my normal fridge in the freezer part I keep frozen vegtables and stock up on them when also on sale.
Bath & body Works was having a sale on their Body Wash foam. I love the stuff. its normally $12.50 a bottle, but in Janurary they are selling now for $3.00 a bottle. So I bought 10 of them. They will lat me for the rest of the year. Now I don't need any soap!!
Try to buy items at the beginning of the year when stores want to get rid of inventory from the last year. If you use your income tax return then its not like your loosing money, you never had it in your account anyway. Think of the things that you can buy and store that won't go bad (toothpaste, paper products, detergent, cleaner) then you can save all your paychecks for the rest of the year!!!
Life Happens
So I got my paycheck this week, and who knew it was LESS than my 418.00, by half. Its horrible when your trying to plan to pay off debt. But my next check will be $418. Now I have to figure out how to get buy with $263 until I get paid, so much for paying off debt, it will have to wait.
Today, to help save money I went to the church and collected food. I have written down all the food bank days, as well as church pantries on a calendar, so are once a month and others are once a week. But I typcially end up going to about 11 different places each month to collect food bags. I do this so I can collect whatever I can. This way I am only buying things like milk, eggs, and meat with my own checks. It helps to stretch money even farther. Going to food banks or food pantries I can get noodles, canned vegtables, bread, fruit, beans, canned fruit, and some meats. These are the exact same items I would be paying for. Its nice to get them for free.
Getting help with food from pantries and food banks allows me to stretch the little money I have.
Today, to help save money I went to the church and collected food. I have written down all the food bank days, as well as church pantries on a calendar, so are once a month and others are once a week. But I typcially end up going to about 11 different places each month to collect food bags. I do this so I can collect whatever I can. This way I am only buying things like milk, eggs, and meat with my own checks. It helps to stretch money even farther. Going to food banks or food pantries I can get noodles, canned vegtables, bread, fruit, beans, canned fruit, and some meats. These are the exact same items I would be paying for. Its nice to get them for free.
Getting help with food from pantries and food banks allows me to stretch the little money I have.
Tuesday, January 5, 2010
First Pay Check of 2010
Ok, so I was a day ahead. Now I'm back on track!! My frist pay check of Janurary will be comming soon. I have been thinking about what to do with it. My goal is to pay off debt, and after going through my cuboards I have plenty of food and things so I don't have anything to buy for awhile anyway.
My total of debt that I can start working on paying off totals $3,037.00 This does not incude two credit cards that are closed in an collections for $2,200 and a studnet loan in collections of $5,500. So I guess he real total would be about $10,000 (oh that's a lot).
But atleast I can work on the $3,037.00 for now. The frustration is trying to figure out which on to pay off first. Tax Lien, parking tickets, medical bill, dentist bill. I mean do I pay off the $86.00 medical bill, or the tax lien first for $220? Often I hear people like Suzie Orman say pay down which ever is gaining interest, but doesn't that go towards credit cards? She's never said anything about other debt that is just sitting on my report. Things that are on my credit report are not gaining interest. So I guess the next most important is who can garnish your wages.
So, I am out to figure this alone, and do the best I can. What I decided is that if you have a tax lien on your credit report it will stay on their for 7 years (stinks I know.), but they can garnish your wages if you don't pay it. That is the last thing I need, I collect disbility and its not much.
Clark Howard has said to always pay yourself first. And always take .10 cents of every dollar out of your pay check and stick it into savings. My first check of Jan. will be coming at the end of this week. It will be for $418.00 my plan is to put $40 into my savings account, and pay the first tax lein I have for $250. This will leave me only $128.00 from my check until I get paid again at the end of the month. My check of $418 is a disability check because I am in congestive heart failure and have heart disease. I cannot work anymore. My husband's pay take care of all of our main bills, and I pay for food and household items with my disability. But its still so hard, because I cannot get any more money.
I have to make the best of what I have and strech it as far as it will go. I mean I have heart failure and a pacemaker, my liver is also failing to, and I have debt. But you do what you can with what you have and God will do the rest.
Currently:
11 Items on Credit Report
Total: $3,037.00
My total of debt that I can start working on paying off totals $3,037.00 This does not incude two credit cards that are closed in an collections for $2,200 and a studnet loan in collections of $5,500. So I guess he real total would be about $10,000 (oh that's a lot).
But atleast I can work on the $3,037.00 for now. The frustration is trying to figure out which on to pay off first. Tax Lien, parking tickets, medical bill, dentist bill. I mean do I pay off the $86.00 medical bill, or the tax lien first for $220? Often I hear people like Suzie Orman say pay down which ever is gaining interest, but doesn't that go towards credit cards? She's never said anything about other debt that is just sitting on my report. Things that are on my credit report are not gaining interest. So I guess the next most important is who can garnish your wages.
So, I am out to figure this alone, and do the best I can. What I decided is that if you have a tax lien on your credit report it will stay on their for 7 years (stinks I know.), but they can garnish your wages if you don't pay it. That is the last thing I need, I collect disbility and its not much.
Clark Howard has said to always pay yourself first. And always take .10 cents of every dollar out of your pay check and stick it into savings. My first check of Jan. will be coming at the end of this week. It will be for $418.00 my plan is to put $40 into my savings account, and pay the first tax lein I have for $250. This will leave me only $128.00 from my check until I get paid again at the end of the month. My check of $418 is a disability check because I am in congestive heart failure and have heart disease. I cannot work anymore. My husband's pay take care of all of our main bills, and I pay for food and household items with my disability. But its still so hard, because I cannot get any more money.
I have to make the best of what I have and strech it as far as it will go. I mean I have heart failure and a pacemaker, my liver is also failing to, and I have debt. But you do what you can with what you have and God will do the rest.
Currently:
11 Items on Credit Report
Total: $3,037.00
Monday, January 4, 2010
What's in the Kitchen Cuboards?
Who knew how much work it would take just to want to take control of your financial life?
I decided that in order to take back my financial status pulling my credit report was not enough, I needed to know what I have in my home. I went through my kitchen cuboards today and found I have a lot of spagehtti, peanut butter, plastic plates and silverware, and beans to last me a life time. I have alot of snacks, so why do i think in need to buy more when I go out? I did this awhile back to once with my bathroom and laundry closet. I found 6 bottles of shampoo, 4 bottles of conditioner, 8 bottles of toothpaste, 4 bottles of Axe body Wash, etc.
And ever go out and walk past Bath and Body Works? The smells alone make you think you need another bottle of body wash, or lotion. Come to find if you look in your bathroom or closets you probably have 4 bottles or more of the stuff, so why do we buy more? I found about 9 bottles of B&BW in my home. So I donated some to the thrift Store on on Marine Corp base.
You cannot save money if you don't know what you have already in your home. Maybe I should just take all the doors off my cabinets so I know what I have!!!!!
I decided that in order to take back my financial status pulling my credit report was not enough, I needed to know what I have in my home. I went through my kitchen cuboards today and found I have a lot of spagehtti, peanut butter, plastic plates and silverware, and beans to last me a life time. I have alot of snacks, so why do i think in need to buy more when I go out? I did this awhile back to once with my bathroom and laundry closet. I found 6 bottles of shampoo, 4 bottles of conditioner, 8 bottles of toothpaste, 4 bottles of Axe body Wash, etc.
And ever go out and walk past Bath and Body Works? The smells alone make you think you need another bottle of body wash, or lotion. Come to find if you look in your bathroom or closets you probably have 4 bottles or more of the stuff, so why do we buy more? I found about 9 bottles of B&BW in my home. So I donated some to the thrift Store on on Marine Corp base.
You cannot save money if you don't know what you have already in your home. Maybe I should just take all the doors off my cabinets so I know what I have!!!!!
Sunday, January 3, 2010
Pulling my Credit Reports
Well, as the New Year has come and gone, 2010 is here. This weekend i decided to pull my credit reports (all 3 of them.). I cannot tell you what a hassle it is to have to check three reports, some sharing information, and others having a balance on it that the other three don't have. Go figure, what a headache!!!!
I decided to put everything on Excel to figureo ut who's got what on their reports. As I can figure, I have a total of $7,000 of debit sitting in collections on my credit report. This makes up a couple tax liens, parking tickets, medical bills,and a dentist bill that never got paid. I also have two credit cards totaling about $2,100 that shows being charged off (does one have to pay on that?) not sure yet.
This has lowered my credit score down to 450-500 range. Not good, but I'm being honest. Its not a lot of debt, but I still have student loans, and a jeep that has payments too. How are people suppose to pay down debt, when so little money comes in and that has to go for current monthly costs?
Atleast I know where I stand as of today...
I decided to put everything on Excel to figureo ut who's got what on their reports. As I can figure, I have a total of $7,000 of debit sitting in collections on my credit report. This makes up a couple tax liens, parking tickets, medical bills,and a dentist bill that never got paid. I also have two credit cards totaling about $2,100 that shows being charged off (does one have to pay on that?) not sure yet.
This has lowered my credit score down to 450-500 range. Not good, but I'm being honest. Its not a lot of debt, but I still have student loans, and a jeep that has payments too. How are people suppose to pay down debt, when so little money comes in and that has to go for current monthly costs?
Atleast I know where I stand as of today...
Why am I doing this?
I cannot beleive we are four days into the new year. So, why am I creating this blog? I have decided that I am tired of debt, being held back by money and bills and I want to get things right.I know that I have great ideas but I need to put things into action (the part i lack on.)So my goal for this year?
1. To live as frugally and get whatever I can for free
2. Get real with myself
3. Pay off Debt/create savings
4. Find extra money to pay towards debt
I will be completely honest about my life and financial situation. Why not? You cannot change what you don't acknowldege anyways.
I am 34 and in heart failure because of a genetic disease.I just got a pacemaker and might need a heart transplant. While others lost their jobs from the economy, I lost my job with my company yof six years because of my heart failure. I no longer work and am on permenant disability at 34, collecting a check for only $800 a month. That's not a lot of money to pay on debt each month. Only my husband works now and he will be leaving for Afganinstan soon for the entire year. So, here I am (or will be) alone with the cat & dog to conquer debt, conquer my heart failure, and raise my credit score. It's my 2010 life challenge....
1. To live as frugally and get whatever I can for free
2. Get real with myself
3. Pay off Debt/create savings
4. Find extra money to pay towards debt
I will be completely honest about my life and financial situation. Why not? You cannot change what you don't acknowldege anyways.
I am 34 and in heart failure because of a genetic disease.I just got a pacemaker and might need a heart transplant. While others lost their jobs from the economy, I lost my job with my company yof six years because of my heart failure. I no longer work and am on permenant disability at 34, collecting a check for only $800 a month. That's not a lot of money to pay on debt each month. Only my husband works now and he will be leaving for Afganinstan soon for the entire year. So, here I am (or will be) alone with the cat & dog to conquer debt, conquer my heart failure, and raise my credit score. It's my 2010 life challenge....
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