Woah! It's been how long since my last post? Yikes!
Nope! I ain't out of debt yet. In fact, I just called one of credit cards and asked if they had a repayment program. They said yes: the account will be closed, but minimum payments of $88 goes straight toward principal - 0% interest - for one year. Not a bad deal considering I wasn't really getting far paying down debt at 29.99% interest.
I found an EXCELLENT book that I would highly recommend to anyone contemplating bankruptcy, but not sure what to do in the meantime. It's called "A Survival Guide to Debt. How to overcome tough times & restore your financial health" by Mitchell Allen. It has simple outlines of resources, sample letters, and tips on how to handle creditors. The idea of calling the credit card company and asking for a program (and mentioning that I want to avoid bankrutpcy) came from the book.
Just don't go into debt buying it. Get it from the local library instead. In fact, ride your bike there.
Monday, June 7, 2010
Tuesday, September 29, 2009
You are so BAD!!!
That heading could be said with a smile or a scowl, and followed by a wink or a growl. Either way, my tendency was to internalize it. I was bad. Otherwise, I wouldn't elicit such a remark.
But, why did I internalize it? Why did I think there must be some truth to it? Why did I assume it applied to me, at least partially, without question? How did I let it build until I felt deep down inside that I was undeserving? Why would I go on to seek out evidence and confirmation of that?
Most Christians would simply say, "Oh, that's because of your sin nature. You were born with a bent toward evil." That may be true, but I need more understanding. From my observation deck, which is barely above sea level, the tendency to feel undeserving does not appear to be universal. Eleanor Roosevelt once said, "No one can make you feel inferior without your consent." I blindly trusted a fallen world. I was very introverted and shy as a kid. I believed what I was told.
I recall listening to a tape set on the "World's 100 Greatest People" a long time ago. In it was a quick story about a famous theologian. I'm not sure now if it was Thomas Aquinas or Augustine, but the story goes like this. In school, he was big for his age and quiet. This made him a prime target of adolescent hecklers. One time, a group of his peers, who were supposed to be his friends, said, "Wow! Look out the window! There's a flying cow!" The subject of the story got up, went to window, and glanced around, seriously looking for a flying cow. The class started laughing hysterically. "I can't believe you fell for that," was the common cry. He turned and quieted them with these words, "I'd rather believe that a cow could fly than that my friends would lie to me." Me too. But, why me?
Ah! That question right there begins the yarn. "Why me?" It instantly relieves me of responsibility and accountability. And at a young age, those are very big words. My circumstances are larger than life itself. Even as I grew to see my surroundings as miraculous, I failed to see myself as a miracle. I must change the basic question to "Why not me?" But how?
First, I had to realize that the original question, which I thought was the question, is meaningless. To ask why of my circumstances was fruitless. In fact, I'm better off not knowing the answer lest I think of myself as a god, even if I don't use that label. I'm much better off simply trusting the universe, or a sovereign God, and examining myself. What does my heart say? What do my circumstances teach me? If insanity is doing the same thing over and over and expecting different results, what must I do differently before I go insane? The Al-Anon mantra is "God, grant me the serenity to accept the things I cannot change, the courage to change the things I can, and the wisdom to know the difference."
Second, I had to realize that I am deeply loved and that I matter. It can start by simply asking, "Why not me?" But, it ends with the realization that my Creator is the One that loves. He is love and I am His. The journey in between has been my challenge. Often times I'd forget that I even asked a new question. I'd sink back into my earlier beliefs.
Why can't I be changed in the twinkling of an eye? Wrong question again. I'm leaving it to someone or something else. The speed at which I change is under my control. But, the recipe for change means giving up control and trusting that the universe will provide the circumstances that fit my beliefs. It always did! God honors my freedom to acknowledge His existence and love. He does not force me to love Him. That would be an oxymoron: force and love. Instead, His love and blessings require humility, not pride; a joyful heart, not fleeting happiness from material things; an attitude of gratitude, not one that delays appreciation according to an evaluation; and wholesome trust, not fear that He will hold back.
It takes time to put on these Humble and Genuine clothes when the world around us seduces us to become naked and naughty. "You are so BAD," becomes believable. There is reinforcement all around us. Yet, before my heart grew completely cold, my conscience was convinced that it didn't have to be that way. Follow your deepest convictions as I did. Sure, I fell far short of world standards in the process. But, I had to establish a new starting point: love. From here, everything is possible, even forming the habit of asking, "Why not me?"
PS - From a spiritual standpoint, why do you suppose I capitalized the H & G when referring to "Humble and Genuine clothes?" Leave me a comment, and I will comment, too.
But, why did I internalize it? Why did I think there must be some truth to it? Why did I assume it applied to me, at least partially, without question? How did I let it build until I felt deep down inside that I was undeserving? Why would I go on to seek out evidence and confirmation of that?
Most Christians would simply say, "Oh, that's because of your sin nature. You were born with a bent toward evil." That may be true, but I need more understanding. From my observation deck, which is barely above sea level, the tendency to feel undeserving does not appear to be universal. Eleanor Roosevelt once said, "No one can make you feel inferior without your consent." I blindly trusted a fallen world. I was very introverted and shy as a kid. I believed what I was told.
I recall listening to a tape set on the "World's 100 Greatest People" a long time ago. In it was a quick story about a famous theologian. I'm not sure now if it was Thomas Aquinas or Augustine, but the story goes like this. In school, he was big for his age and quiet. This made him a prime target of adolescent hecklers. One time, a group of his peers, who were supposed to be his friends, said, "Wow! Look out the window! There's a flying cow!" The subject of the story got up, went to window, and glanced around, seriously looking for a flying cow. The class started laughing hysterically. "I can't believe you fell for that," was the common cry. He turned and quieted them with these words, "I'd rather believe that a cow could fly than that my friends would lie to me." Me too. But, why me?
Ah! That question right there begins the yarn. "Why me?" It instantly relieves me of responsibility and accountability. And at a young age, those are very big words. My circumstances are larger than life itself. Even as I grew to see my surroundings as miraculous, I failed to see myself as a miracle. I must change the basic question to "Why not me?" But how?
First, I had to realize that the original question, which I thought was the question, is meaningless. To ask why of my circumstances was fruitless. In fact, I'm better off not knowing the answer lest I think of myself as a god, even if I don't use that label. I'm much better off simply trusting the universe, or a sovereign God, and examining myself. What does my heart say? What do my circumstances teach me? If insanity is doing the same thing over and over and expecting different results, what must I do differently before I go insane? The Al-Anon mantra is "God, grant me the serenity to accept the things I cannot change, the courage to change the things I can, and the wisdom to know the difference."
Second, I had to realize that I am deeply loved and that I matter. It can start by simply asking, "Why not me?" But, it ends with the realization that my Creator is the One that loves. He is love and I am His. The journey in between has been my challenge. Often times I'd forget that I even asked a new question. I'd sink back into my earlier beliefs.
Why can't I be changed in the twinkling of an eye? Wrong question again. I'm leaving it to someone or something else. The speed at which I change is under my control. But, the recipe for change means giving up control and trusting that the universe will provide the circumstances that fit my beliefs. It always did! God honors my freedom to acknowledge His existence and love. He does not force me to love Him. That would be an oxymoron: force and love. Instead, His love and blessings require humility, not pride; a joyful heart, not fleeting happiness from material things; an attitude of gratitude, not one that delays appreciation according to an evaluation; and wholesome trust, not fear that He will hold back.
It takes time to put on these Humble and Genuine clothes when the world around us seduces us to become naked and naughty. "You are so BAD," becomes believable. There is reinforcement all around us. Yet, before my heart grew completely cold, my conscience was convinced that it didn't have to be that way. Follow your deepest convictions as I did. Sure, I fell far short of world standards in the process. But, I had to establish a new starting point: love. From here, everything is possible, even forming the habit of asking, "Why not me?"
PS - From a spiritual standpoint, why do you suppose I capitalized the H & G when referring to "Humble and Genuine clothes?" Leave me a comment, and I will comment, too.
Tuesday, September 22, 2009
Surprise! Surprise!
Actually, it's no surprise. No one has made either a comment or a donation. Am I a fool to think that someone would help? Probably. Especially in this economy. What does it take to get on the radar screen of the Gates Foundation?
Anyway, I've been listening to this law of attraction and abundance stuff lately. I have to admit, they have a point. Joe Vitale is probably the best resource to come out of that group. He's down to earth, he's been there (homeless and poverty-stricken 30 years ago), and he doesn't get all kinds of mystical weird-like on me.
I don't like The Secret because it over-dramatizes and spiritualizes simple examples of cause and effect. As ye sows, so shall ye reap. The emphasis in the movie, why The Secret works they say, is to go from positive thinking to positive feeling. They go to great lengths to make this sound absolutely amazing.
Unfortunately, it doesn't work for a lot of people because there's something else that needs clarification: the role and power of the subconscious mind. That's where the force to attract or repel really comes from. Affecting your subconscious is not as easy as choosing your mood. Your subconscious is like a protective layer that prevents your conscious mind from being completely whimsical, irresponsible, and spontaneous (but otherwise fun to be around). It provides stability in drawing you back to what you really believe, giving you a conscience and integrity, and takes its information from various sources including yourself, family, friends, the culture you grew up in, and even media.
My problem is that I feel stuck and undeserving at a subconscious level. I can choose to be happy, content, peaceful. But maintaining that choice is a struggle because my subconscious believes otherwise. Guess what! My subconscious wins. (Woopee!) Now, thanks to Joe Vitale's "The Secret to Attracting Money," (made available through Nightingale-Conant), I am aware of how powerful this block is to getting what I think I want. I can now go past the positive thinking and the good feelings that didn't work for me, and get to the core of the matter: consciously making the effort to change my subconscious.
Where did those undeserving feelings come from? Stay tuned for another blog entry...!
Anyway, I've been listening to this law of attraction and abundance stuff lately. I have to admit, they have a point. Joe Vitale is probably the best resource to come out of that group. He's down to earth, he's been there (homeless and poverty-stricken 30 years ago), and he doesn't get all kinds of mystical weird-like on me.
I don't like The Secret because it over-dramatizes and spiritualizes simple examples of cause and effect. As ye sows, so shall ye reap. The emphasis in the movie, why The Secret works they say, is to go from positive thinking to positive feeling. They go to great lengths to make this sound absolutely amazing.
Unfortunately, it doesn't work for a lot of people because there's something else that needs clarification: the role and power of the subconscious mind. That's where the force to attract or repel really comes from. Affecting your subconscious is not as easy as choosing your mood. Your subconscious is like a protective layer that prevents your conscious mind from being completely whimsical, irresponsible, and spontaneous (but otherwise fun to be around). It provides stability in drawing you back to what you really believe, giving you a conscience and integrity, and takes its information from various sources including yourself, family, friends, the culture you grew up in, and even media.
My problem is that I feel stuck and undeserving at a subconscious level. I can choose to be happy, content, peaceful. But maintaining that choice is a struggle because my subconscious believes otherwise. Guess what! My subconscious wins. (Woopee!) Now, thanks to Joe Vitale's "The Secret to Attracting Money," (made available through Nightingale-Conant), I am aware of how powerful this block is to getting what I think I want. I can now go past the positive thinking and the good feelings that didn't work for me, and get to the core of the matter: consciously making the effort to change my subconscious.
Where did those undeserving feelings come from? Stay tuned for another blog entry...!
Friday, September 18, 2009
That make me feels real good!
I got another scam email pretending to want to help me out. It was called, "You are not alone... Someone still care." Nope, I didn't drop the plural in "cares." The author forgot it. Perhaps, she had a lot of other things on her mind when she wrote this. Then again, maybe she had nothing in her mind, no even decent grammar.
Dear Friend,
First, I want you to know that someone still care about people’s dire
need during hardship. Someone care to hear you and pray for you.
Someone out there wants you to live your dream and leave again even
though the road is rough and look like a predicament without remedy.
I was once in need when I first lost my husband and I feel the pain in
me when it seems my flood is running out of my veins. I know being in
need is like the world is coming to an end but a turning point that
you lack in such case is what I have brought to you with our company
that offers varieties of loan services and even employment opportunity
that is legal and crime-free.
If you deem us fit to give us a trial for the “change” you need in
life then do not hesitate to contact me.
Rev. Joan Rutledge.
Her "flood is running out of [her] veins?" That's gross! And imagine this, crime-free employment opportunities! Then again, that phrase "predicament without remedy" is pretty creative. Anyway, it really makes me feel better knowing I'm not alone (I wish she'd leave me alone) and that "someone still care" (but not for proper grammar).
Dear Friend,
First, I want you to know that someone still care about people’s dire
need during hardship. Someone care to hear you and pray for you.
Someone out there wants you to live your dream and leave again even
though the road is rough and look like a predicament without remedy.
I was once in need when I first lost my husband and I feel the pain in
me when it seems my flood is running out of my veins. I know being in
need is like the world is coming to an end but a turning point that
you lack in such case is what I have brought to you with our company
that offers varieties of loan services and even employment opportunity
that is legal and crime-free.
If you deem us fit to give us a trial for the “change” you need in
life then do not hesitate to contact me.
Rev. Joan Rutledge.
Her "flood is running out of [her] veins?" That's gross! And imagine this, crime-free employment opportunities! Then again, that phrase "predicament without remedy" is pretty creative. Anyway, it really makes me feel better knowing I'm not alone (I wish she'd leave me alone) and that "someone still care" (but not for proper grammar).
Wednesday, September 9, 2009
Comment Season Is Open!
I've opened up the blogs for any and all comments. Please feel free to leave your thoughts and a trail to your website.
Yes, it's true. So what?
Mahatma Ghandi said, "There is more to life than increasing its speed."
We read that and agree without much reflection. Why reflect? After all, it is already a profound truth; it does not need my attempt for improvement. Plus, giving it three seconds to soak in my mind is all I presently want to help me get through the rest of my day. There are many profound truths. This quote will eventually get replaced by another, no doubt, but not before it is forgotten. Remind me to pick up a daily calendar with "Wisdom Quotes" to put on my desk. Perhaps, I'll glance at the printed wit more than once a day, if that.
But what does that quote really mean? Why is it profound? Is it always true? To some, it conveys that deepening relationships with family and friends is more important than climbing the corporate ladder. To others, it expresses unselfish justification for seeking volunteer work. (It's about life, not me.) To a few, it means that following God's commandments takes priority over bending to the will of another human being.
Maybe we should reflect on this and other truths. Let's give it a try... Yes, ladies and gentlemen, it's time for a pop-quiz! Please answer these questions personally and to yourself. For this exercise to mean anything (and not increase life's speed), please take five to ten minutes now and write down your answers.
I once comforted a friend who was frustrated with his meaningless job that lacked proper training. Knowing something about his heart's desire, I asked what he would do if money were not an issue. What was his real dream? He answered, as I expected, about finishing his degree and going into counseling. But, he complained, he needed to save money first and it didn't seem feasible to go back to school or switch careers. I said, "Start walking in the direction of your dreams and a few doors may open up that you didn't even know existed." He did and they did. He is now doing what he loves helping others to love at all.
Perhaps, we recognize truth as being profound because it strikes that chord in us - we know it has something to do with love.
We read that and agree without much reflection. Why reflect? After all, it is already a profound truth; it does not need my attempt for improvement. Plus, giving it three seconds to soak in my mind is all I presently want to help me get through the rest of my day. There are many profound truths. This quote will eventually get replaced by another, no doubt, but not before it is forgotten. Remind me to pick up a daily calendar with "Wisdom Quotes" to put on my desk. Perhaps, I'll glance at the printed wit more than once a day, if that.
But what does that quote really mean? Why is it profound? Is it always true? To some, it conveys that deepening relationships with family and friends is more important than climbing the corporate ladder. To others, it expresses unselfish justification for seeking volunteer work. (It's about life, not me.) To a few, it means that following God's commandments takes priority over bending to the will of another human being.
Maybe we should reflect on this and other truths. Let's give it a try... Yes, ladies and gentlemen, it's time for a pop-quiz! Please answer these questions personally and to yourself. For this exercise to mean anything (and not increase life's speed), please take five to ten minutes now and write down your answers.
- What activities increase the speed of your life without adding to its quality?
- Alternatively, what activities seem to slow life down by wasting or killing time?
- What is it that you do that contributes or constitutes "more to life"?
- What activities DON'T you do that you feel would contribute or constitute "more to life" if you did them?
- How would you feel about exchanging the activities you listed that merely control the pace of your life with events that would add more to your life and/or the lives of others?
- What would it take for you to make and keep a commitment to improving the quality of life around you?
I once comforted a friend who was frustrated with his meaningless job that lacked proper training. Knowing something about his heart's desire, I asked what he would do if money were not an issue. What was his real dream? He answered, as I expected, about finishing his degree and going into counseling. But, he complained, he needed to save money first and it didn't seem feasible to go back to school or switch careers. I said, "Start walking in the direction of your dreams and a few doors may open up that you didn't even know existed." He did and they did. He is now doing what he loves helping others to love at all.
Perhaps, we recognize truth as being profound because it strikes that chord in us - we know it has something to do with love.
Tuesday, August 25, 2009
Signs of Spam, Lesson 1
Lesson One of "Signs of Spam" is an introduction to the most common indications that the author ain't legit. Here they are in brief:
What do I mean by poor language structure? Well, in case the grammar seems fine and the spelling checks out, look for words that don't make sense together. For example, a lot of spam emails I've received end with something like, "I am look forward to reading from you." Yeah, right. And I am seek writing to you write now.
If the email has any identification at all, it's usually incomplete. This sign goes hand-in-hand with a lack of verifiable search results from Google or Yahoo. The sender's email address, the sender's name, any company or organization name, etc, with or without quotes in a search bar, will probably yield either vague or no results. Try looking up the name John Smith, for example. Good luck. Which one is it? Sometimes, there is a legitimate sounding company, like Good Nature Charity. See if you can spot them in a sea of over 1.5 million search results.
Emotions are a huge motivating force. Both spammers and used car salespeople know this. That's why the response needs to be quick. But take time to do a little research and trust your skepticism. If it has a strong emotional appeal, or sounds too good to be true, it's probably not good for you. One spammer made the mistake of specifying that a well-known government agency, with a specific name, was a supporter. Well, I searched for the referral's website and contacted them. I knew the answer before it came: they never heard of them, would never endorse something like that, and advised to stay clear of them.
Lastly, anytime there is a request for personal information it should raise a red flag. Personal information, such as birth date, social security number, driver's license, bank account, credit card, passwords, etc, should never be sent over email. Yes, I know we send passwords via email (as reminders to friends or business associates), and we get them when we click 'Forgot Password' on a site we use. But, the key is that we're familiar with them. Never send any of these things to a stranger.
I hope that helps. I plan to provide some real-life examples, even though I've deleted most of my spam. (There's always more. Sigh!) Also, I'll provide some insight into why some email goes to the junk folder. It's not always obvious, like a certain word used in the subject line. (That's why a lot of spammers intentionally spell these words wrong; so they won't get caught by the filters.) I'll also walk through a scheme-scenario that seems very real, but could cost you money and major hassles, let alone embarrassment if you fall for it.
- Poor grammar and/or spelling
- Poor language structure
- Lack of proper identification
- Names cannot be searched in Google or Yahoo!
- Request for immediate reply
- Request for personal information
What do I mean by poor language structure? Well, in case the grammar seems fine and the spelling checks out, look for words that don't make sense together. For example, a lot of spam emails I've received end with something like, "I am look forward to reading from you." Yeah, right. And I am seek writing to you write now.
If the email has any identification at all, it's usually incomplete. This sign goes hand-in-hand with a lack of verifiable search results from Google or Yahoo. The sender's email address, the sender's name, any company or organization name, etc, with or without quotes in a search bar, will probably yield either vague or no results. Try looking up the name John Smith, for example. Good luck. Which one is it? Sometimes, there is a legitimate sounding company, like Good Nature Charity. See if you can spot them in a sea of over 1.5 million search results.
Emotions are a huge motivating force. Both spammers and used car salespeople know this. That's why the response needs to be quick. But take time to do a little research and trust your skepticism. If it has a strong emotional appeal, or sounds too good to be true, it's probably not good for you. One spammer made the mistake of specifying that a well-known government agency, with a specific name, was a supporter. Well, I searched for the referral's website and contacted them. I knew the answer before it came: they never heard of them, would never endorse something like that, and advised to stay clear of them.
Lastly, anytime there is a request for personal information it should raise a red flag. Personal information, such as birth date, social security number, driver's license, bank account, credit card, passwords, etc, should never be sent over email. Yes, I know we send passwords via email (as reminders to friends or business associates), and we get them when we click 'Forgot Password' on a site we use. But, the key is that we're familiar with them. Never send any of these things to a stranger.
I hope that helps. I plan to provide some real-life examples, even though I've deleted most of my spam. (There's always more. Sigh!) Also, I'll provide some insight into why some email goes to the junk folder. It's not always obvious, like a certain word used in the subject line. (That's why a lot of spammers intentionally spell these words wrong; so they won't get caught by the filters.) I'll also walk through a scheme-scenario that seems very real, but could cost you money and major hassles, let alone embarrassment if you fall for it.
Sunday, August 23, 2009
This is Dumb
I have to admit, if I read a blog from someone asking for financial help from strangers who didn't have a life-threatening illness and was leaving behind very young children, it would not occur to me to give. What makes me think someone would consider giving to me? What sympathy could I possibly be appealing to? What person with the means to give would come across my blog? More specifically, even if you had spare change, dear reader, why would you give some to me? I wish I could answer that.
The only thing that makes sense is that something of value is provided. Perhaps, a sense of gratification would be of value if you sympathized with the story and felt good about lending a hand. Or, perhaps, I should provide something of value that would be worth paying for. A few ideas have crossed my mind. One in particular is, 'How to Spot Spam'. I get a lot of questions in this regard and I'm amazed how many people still respond. Some believe the contents. Some are a little skeptical but even more curious. Perhaps there is a strong need.
Stay tuned...
The only thing that makes sense is that something of value is provided. Perhaps, a sense of gratification would be of value if you sympathized with the story and felt good about lending a hand. Or, perhaps, I should provide something of value that would be worth paying for. A few ideas have crossed my mind. One in particular is, 'How to Spot Spam'. I get a lot of questions in this regard and I'm amazed how many people still respond. Some believe the contents. Some are a little skeptical but even more curious. Perhaps there is a strong need.
Stay tuned...
Thursday, August 13, 2009
I Remember When Broke Was Fun
I don't know why, but I just remembered that, when I was young, I had fun even if I was broke. I wasn't paid a regular allowance and I was too small to work. Yet, it didn't matter. I played make-believe with almost anything. It was fun just to run around and play tag. Now it matters and I'm not having fun. Why?
Wait! I can control my attitude. I can choose to be pleasant, hopeful, even humorous in my pain. How many people do we know that offered us comfort from their hospital beds? I know a few, and I've done it myself.
Look, when I'm sick or hurt in the hospital, I want to be surrounded by pleasant, hopeful, and funny visitors - even if I have to cheer them up! Maybe I should apply that desire to my current financial pain. Maybe I should look at my situation as a temporary hospital stay. In the meantime, I want to be surrounded by successful, pleasant, generous, and even funny people.
I think it'll help ease the pain (worry) and fill me with the inspiration I need to get better quickly. Meanwhile, please donate some blood! :-)
Wait! I can control my attitude. I can choose to be pleasant, hopeful, even humorous in my pain. How many people do we know that offered us comfort from their hospital beds? I know a few, and I've done it myself.
Look, when I'm sick or hurt in the hospital, I want to be surrounded by pleasant, hopeful, and funny visitors - even if I have to cheer them up! Maybe I should apply that desire to my current financial pain. Maybe I should look at my situation as a temporary hospital stay. In the meantime, I want to be surrounded by successful, pleasant, generous, and even funny people.
I think it'll help ease the pain (worry) and fill me with the inspiration I need to get better quickly. Meanwhile, please donate some blood! :-)
Monday, August 10, 2009
Just Checking...
I just checked my Internet bank account through which I pay bills - rent, phone, utilities, garbage collection, child support, etc. My expenses exceed my income by several hundred dollars. And that does not include property taxes that were due August 1st, income taxes due from last year (I actually owe money because I had to withdraw from my IRA), and paying off credit card debt. This plea for help is no joke.
I'm expecting a check for helping organizations save money on utilities. That might get me through the month (paying taxes and debt). I plan to make more money with this venture, but I don't expect to see that money until the last week of August at the earliest. It takes time to sign them up for savings and confirm their enrollment. I also hope to pick up a few bucks here and there from Internet consulting. May be next month I'll survive, too. I don't know and I hate not knowing.
My wife's salary covers food, kids clothes, and household necessities. She's doing a great job of staying within budget. Your donation would go straight toward debt reduction. Please help now!
I'm expecting a check for helping organizations save money on utilities. That might get me through the month (paying taxes and debt). I plan to make more money with this venture, but I don't expect to see that money until the last week of August at the earliest. It takes time to sign them up for savings and confirm their enrollment. I also hope to pick up a few bucks here and there from Internet consulting. May be next month I'll survive, too. I don't know and I hate not knowing.
My wife's salary covers food, kids clothes, and household necessities. She's doing a great job of staying within budget. Your donation would go straight toward debt reduction. Please help now!
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