The Effect Of Debt….We’ve Come A LONG Way

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I know that my life is very different now that we’ve eliminated $109,000 in credit card debt. We have breathing room in our budget, we have the freedom to decide what we do with our money, and life is just over all less stressful. But every now and then, something happens that brings me back to the days when we were struggling and reminds me just how much better off we are without the weight of debt holding us down. My smoker is in need of some maintenance. The rope gasket I had installed on the cover of my smoker […] Read more »

I Love You Like A Blogger Roundup 4/17

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Last weekend we had a birthday party for our daughter – she turned 13!!!!  Vonnie and I are now the proud parents of TWO teenagers.  We bought a huge roll of contractor’s plastic and built a “splatter paint cube” in our garage.  It was actually our daughter’s idea….but we made it come to life.  Tori and her friends each got a container with washable paint and a brush.  They went in the cube and threw paint everywhere.  They had a blast.  It turned out to be more expensive than we had anticipated, so this weekend is a “lay low” weekend. […] Read more »

Who checks and uses your credit score?

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If you make an application for a loan, mortgage, credit card or other form of borrowing, the lender will perform a credit check on you. The credit check will be used to form part of the lender’s decision-making process to ascertain whether you would be a risky borrower and assess your ability to pay the loan back. Credit checks basically look at various aspects relating to your financial history to see whether you are responsible with money. The checks involve a credit score, which can help lenders to assess how risky it would be to lend you money. The higher […] Read more »

Want Success? Make The Choice!

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There is a redemptive power that making a choice has. Rather than feeling like you are an affect to all the things that are happening Make a choice. You just decide what it’s going to be, who you’re going to be, how you going to do it. Just decide. -Will Smith (actor) This quote was stuck in my head all week, and it inspired me to view the world through a different perspective. I walked to the vending machine with every intention of buying a soda to go with my lunch. When I arrived at the bank of vending machines, […] Read more »

How many things do credit scores affect?

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How well do you know your personal credit rating? If the answer is not very well at all, you are advised to become familiar with your report as quickly as you can. Some seemingly minor things can have an effect on credit ratings, and the lasting effect of allowing your score to dip dangerously can be catastrophic. In fact, it can make living from day to day a real struggle. Building a Happy Home The problems in the housing market since the economic downturn of 2008 have been well documented. First-time buyers have had to fight tooth and nail to […] Read more »

I Love You Like A Blogger Roundup – 4/10

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Tuesday night, my son brought home from work his very first paycheck.  It was for the 8.5 hours he was in training, and he received a paper paycheck as his direct deposit hadn’t taken effect yet.  When I asked him if he knew what to do with the check, he shook his head, “No.”  I explained to him how to endorse a check, and what he would do once he got to the bank.  I could see his eyes glaze over, so I asked him if he wanted me to go with him.  He said, “Yes.”  Looks like a financial […] Read more »

Recycling Apple: Give your old gadgets a new lease on life by repurposing them

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The iPhone forever changed the mobile phone landscape. I remember getting my first one, an iPhone 3G. It was a gift from my ex-girlfriend-turned-wife a few years back, and the very first app I bought was a beer app that showed a glass with beer in it moving and tilting as you move and tilt the phone. So much for productivity! As a token of appreciation, I bought her a sleek looking iPad for Christmas. Amazingly, we still have those two antiquated gadgets and have found great ways to repurpose them. My old iPhone is always on Airplane Mode and […] Read more »

Breeze Through Your Taxes Through Preparation And TaxACT

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This post is part of the TaxACT #BeatTheDeadline blog tour which shares tips on how to make tax time a smooth and easy process before the April 15 deadline. TaxACT provides the tools and guidance to help you confidently file taxes easy and fast. Do your own taxes today at TaxACT. You got this. When you think about doing your taxes, what picture immediately forms in your head? Is it one of sitting in front of the computer answering questions displayed on the screen by tax preparation software? Or maybe one of an appointment with an accountant? I’ve noticed something […] Read more »

Four Ways to Tackle Your Debt and How to Decide Which One is For You

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Did you think that to tackle your debt is simple and straight forward? Think again! You see, when we first realised how much debt we had all I wanted was that it disappears. Oh, I know this would have taken magic I regretfully don’t possess. It may have been done by going bankrupt were we ready to take the consequences. This wasn’t our way and we did it ‘the proper way’. We reduced our spending by developing and using the ERR strategy for money management. We learned how to make more money. And we put it all against the debt. […] Read more »

What’s the Best Way to Take Care of Your Loved Ones After You Die?

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Working to get out of debt isn’t just something you do for yourself. You’re making a better future for the people you love most. A part of that future — a part no one likes to think about — is what happens to your loved ones after you’re gone. It’s vital to put a plan in place to provide for your loved ones after you die. Life Insurance: Do You Need It? When you’re young, especially if you have a family, and you haven’t built a lot of wealth, it’s crucial to purchase adequate life insurance. Also, if you’re older […] Read more »

A Parent’s Job Is Never Done

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I heard an interesting comment at a wedding over the weekend regarding the current generation. An acquaintance was talking about how his brother was working with some recent college graduates, and how they work really hard on the job, but when they go home all they do is play video games. He described them as intelligent and hard working, but lacked the common skills of shoveling a driveway because all they did in their off time was play games. I laughed a little bit, shrugging it off as your typical older generation looking down on the younger generation sort of […] Read more »

I Love You Like a Blogger Roundup – 4/3

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I love new opportunities, and over the last two weeks I’ve had one land on my lap.  I’ve found a new writing client to replace one parted ways with towards the end of 2014.   Vonnie and I will have to sit down and figure out what this means for our budget, making sure that we put the income to good use. That definitely deserves a fist pump, so get your hands up and give me a “one time” on this glorious Friday! Posts That Make Me Fist Pump 4 Ways To Put Your Budget Back on Track from Eyes On […] Read more »

Buy One Get One Free Deal From SNICKERS®!

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This shop has been compensated by Collective Bias, Inc. and its advertiser. All opinions are mine alone. #WhenImHungry #CollectiveBias You’re not you when you’re hungry and SNICKERS® is here to help! Have you ever had a time when you realized that you were hungry…. and grumpy? Not feeling like yourself? A little out of sorts? Maybe you need a SNICKERS®. Head on over to the SNICKERS® Facebook page and check out the Hunger Handler App. You can take a quiz and figure out which SNICKERS® is right for you. You’ll also receive a buy one, get one free coupon for […] Read more »