I started buying gifts throughout the year at sales and even garage sales. I've already got the majority of my Christmas shopping for 2013 finished. The items are hid away in the closet, picked up at sales as I see them throughout the year. So, I just need to wrap them.
As with any medicine, these homemade remedies may not taste good but they will give excellent relief for colds, coughs, sore throat and congestion.
With mortgage life insurance, if you (the mortgage payor) die, your mortgage is paid off in full. For this privilege, you pay a monthly premium along with your mortgage payment. If you decline mortgage life insurance when applying for your mortgage, you often need to sign waiver forms declining it, which might make you think twice about your decision. This is to protect the bank, since they want to do everything they can to ensure the money they lend you is going be paid back.
I dropped to my knees and rested my head on her stomach. I put her hand in mine and looked into her wet brown eyes. I told her that I understood why she would think that given the financial lessons I have been trying to teach her. It was not OK to miss dance class because she'd rather stay home and play a computer game, or hang out with her friends. That would be wasting money.
She was right; I had not collected their payment since the end of the school year in the spring. My wife and I been in the habit of looking at and reconciling our checking account each morning.
There's at least one piece of junk mail in my mailbox every day. There are repeat offenders such as credit card offers, which I get extreme pleasure out of putting them immediately through the shredder, the realtor that we used to buy our home, and even ads from grocery stores.
The term International Schools is a catch-all for schools abroad that teach a curriculum different to what is offered locally (and in a different language, such as English), often to children of expats or employees of foreign embassies. Sometimes they're called American Schools, British Schools, or even DoD (Department of Defense) schools.
I have always felt that there was something special about this company, but it wasn't until I was on this flight, and had a chance to reflect upon the events of the previous 24 hours that I was able to put my finger on what it is that sets this company apart. Flying through the air at 30,000 feet, I replayed in my mind some of the conversations I had throughout the day.
A Debt Management Plan (DMP) is a structured repayment plan which involves you making a payment to a Credit Counseling Agency, who then distributes the payments to the creditors.
It took time to get into this situation and it will take time to get out. Remember it is about the creditors receiving a payment, not just being “enrolled” in a program. Consistency is a key to success.
Whether it's taking advantage of online coupons or cutting coupons from the Sunday newspapers, canceling magazine subscriptions, buying in bulk, growing your own fruits and vegetables, buying clothes at consignment or thrift stores, or conserving energy costs, there are still many more ways to stretch your dollar.
This blog will discuss what you can expect after the 6th month on your Debt Settlement plan. For many of our customers this is a crucial point in their plan.
Discovering the open road in a camper van can be an epic holiday. But it's not always as cheap as it may seem. Here are 12 tips for planning a smooth - and budget friendly - camper van holiday.
Deciding to enroll in a CareOne Debt Management Plan (DMP) can be a big step for some of our customers. Realizing the debt problem exists and taking action to correct it is the first step. Making the first payment and tracking your proposals are the next two very important steps!
These tips may seem a bit corny and cliché, but they have really helped me to have a healthier financial life.
Retiring? As a mom there are many things I do that I really never realized went with the job description. While I would not change it for the world, it is hard to imagine retiring one day! But retirement is something everyone needs to plan for, moms included. This blog will explore some retirement options.
This month's question reflects on changing your debit date and how it affects your DMP
Right now, I'm single and don't have any kids, so am looking at vacations, stay-cations, and much more for my summer plans.
You have now started your second month on the DMP. During the second month there are generally two groups of customers; those who made their first payment in the first month (A) and those who postponed their first payment to the second month (B). There are an additional small number of people who may call and change their payment to the third month and unfortunately usually do not fare well on their Plan. It is about the creditors receiving a payment, not just being “enrolled” in a program.
Enrolling in a Debt Management Plan is a huge step for many struggling with debt. Many are skeptical at first and frequently ask these three questions after enrollment.
The "minimalist vacation" will help you see your home more objectively; clarifying what you need, and clearing out the rest.
This month's question reflects on your CareOne payment.
This month's question reflects on the harassing collection calls you may be receiving.
If you are considering enrolling in a Debt Management Plan or have just enrolled you may be wondering what will happen with your credit cards.
This month's question reflects on why you can't use your credit cards while participating in a DMP.
In addition to the blogs, be sure to check out the new CareOne Groups:
Are you finally out on your own and figuring out how to balance your finances? If so, this is the group for you. In Starting Out, you can talk about the challenges you are dealing with in a group of like-minded people.
Do you feel like you are finally understanding what being a "grown-up" is all about and are settling into your adult life? If so, this is the group for you. In Settling In you can connect with others who are just like you.
Struggling to balance all that an established lifestyle has to offer? The balancing it all group is for you. Discuss the challenges you face when your responsibilities at work, at home and with family and friends all compete for your attention.
Are you currently retired or planning on retiring very soon? If so, this is the group for you. Times have changed and so has retirement. Learn how others are redefining retirement.