Living a debt-free life is the advisable thing. However, with the way the economy is going, the rapid increase in basic commodity prices, and the availability of credit cards, it’s not at all surprising that most people are living in debt. If you are already in debt, there’s no use getting depressed over it. Now is the absolute time to take control of your life and plan to get that debt out in your life. Here are some steps to help you eliminate that nasty debt.
1. Start paying in cash. Do not add more to your debts by using your credit cards. There’s a reason why credit cards are always available to us, and it’s because credit card companies want us to spend more so they can charge at a higher interest rate if we can’t pay for it. If you completely do away with credit cards, then you are on the right track. Remember, if you can not pay for it in cash, it means you simply can’t afford it.
2. If you haven’t made a budget of your expenses, maybe that’s the reason you are in debt. You do not have to start from scratch in budgeting your expenses, there are a lot of free software online that will help you jump start your budgeting. It’s not at all time consuming, a few minutes every night to list down your expenses is enough.Remember, what’s more time consuming is worrying about your debts. Having your own budget will save you a few wrinkles along the way.
3. Deal with your credit card debt. Talk to your creditors and lay down your cards. If you think this may be too overwhelming for you, you can ask for professional help. I know of a company called NetDebt who help can you completely eliminate your debt. If you don’t like the embarrassing and time consuming “counseling” sessions that other debt programs have, then NetDebt is for you because the offer online enrollment and with live reps available to answer all your questions.
If you do not deal with it now, it will never go away. Now is always the perfect time to start your way to a debt-free life.Read More
This is Z singing, or rather attempting to sing his favorite song from his favorite movie. Can you guess which song it is? There is a clue in the background you just have to prick your ears.Read More
Are you on the quest for the perfect wine? Do you find and buy wine yourself and constantly gets disappointed with the price and quality of wine that you find?If yes, the CA Wine Club is for you. It is a wine adventure club that scours every bit of California for the just the perfect wine. Their aim is to discover small, award-winning wineries whose wines don’t end up in your local store. The CA Wine Club has three clubs to choose depending on your taste and budget Aside from that,the benefits of becoming a member include getting a monthly, full-color newsletter for you to learn more about the California wine scene,door-to-door delivery, convenience on your part because you won’t waste time finding that perfect wine – they go through all that for you, flexible choices in your wine delivery – you can have it delivered every month, every two months, or every quarter, no bulk, closeout or private label wine,up to 50% discount on reorders, and wine experts available just to assist you on your wine choices. What’s more, if you sign up now, the you can have your first month free, just pay $13 for the shipping, and save $34.95. Grab their once-in-a lifetime offer and I’m sure you’ll have thew wine experience you’ll never forget.
The house is quiet, both my husband and my toddler are sleeping. This is rare indeed, normally, Z won’t take his nap and my husband has insomia so he gets little sleep during the day. I am typing away as quietly as possible in order not to wake them up. At least, I’ll have time to drop my ECs for the day. Gotta go,still have to visit your blogs!Read More
The happiest moment in our lives was when our son was born. We were both young, confused, and didn’t know a single thing about a baby. We only stuck by the fact that we love each other and we were going to have this family, no matter what. It was a tough labor for me, I almost gave up pushing him out but when he came out all the pain went away. As a matter of fact, I asked the doctor if I can already stand up after. She laughed at me saying she still have to stitch me up.
I wanted to share Z’s first pictures, just minutes after he came out. Good thing I found Roxio online where I created a slideshow of Z’s first moments. Up to know, I still can remember that day as if it was just yesterday. It was fun reminiscing seeing him for the first time. The slideshow was so easy to make and is complete with animation, caption, and music. This application is free and you can use it to share your pictures on your blog or you can also burn it in dvd and share with your family and friends.