The Job

Georgia took the prepaid visa card out of her wallet and handed it to the cashier. The faster she could get out of this place, the faster she would be back home safe and sound in her apartment. If it hadn't been for that damned teenage kid she'd hired to run her errands, she wouldn't be in this mess in the first place.

She had too much on her plate and didn't need another distraction to delay her next job. She watched the puzzled look on the cashier's face as she handed the card back to her and said, "I'm sorry, but your balance says zero dollars. Would you like to add funds to the card?"

Georgia shook her head in response to the cashier's question and let out a heavy sigh. She hated using a prepaid, but it was the only way she couldn't be traced and she expected all of her clients to honor her prepay request. This client apparently hadn't. And it didn't take much knowledge to know it meant he wasn't going to pay her for this job.

Georgia's bitterness turned to anger as she walked away without a word to the cashier and headed out of the store. No one bailed on payment. No one. And the teenage kid tied up in the trunk of her car was proof enough of that. She just hoped no one could smell his fresh dead corpse from the blasted heat wave.

An Update on Financial Goals

Since I wasn't able to put extra towards a credit card last month, I decided to make an extra payment to one of the credit cards today. It was only $5 extra, but it just knocked the debt balance down to less than $950 which is great! I would have put more towards the card, but we're short this month and we have to save what we can for the electric bill and another big bill that we were obligated to pay about a month ago.

At least that credit card's balance is less than $950 now. That makes me feel so much better! And it's actually the card that double charges it's interest rate, so I'm definitely feeling better about things. Plus the electric bill wasn't nearly as much as I thought it was, so the hubby will be happy about that one! Looks like it's going to be a great day, after all!

Credit Trouble

I'm not fond of credit cards. Most people who use them, have no idea how much trouble they can cause. I'm one of those people. However, I do believe in having one card for emergencies. And by emergencies I mean a real emergency, not that great little cocktail dress you found on sale on the clothing rack.

If you can't abide by that rule, then you probably shouldn't own any credit cards at all. I for one am closing out the one credit card account I do have open. My reason for this is that I've learned that charges for two different interests rates per a month.

I might consider another card to build up my credit again and use for emergencies, but right now it won't be happening.

If you're one of the smart ones who knows how to use a credit card wisely, a high limit credit card may be ideal for emergency use. The reason is, if you apply for a credit card that only has a credit limit of $200, it might not be enough if you need to pay a hospital bill or buy a plane ticket home when your car breaks down halfway across the united states.

The only downside to applying for a high limit credit card is the fact that it's a lot more money you'll need to pay back and you're bound to get stuck with a higher interest rate if you can't pay it off all at once. Credit can be such a hassle at times!

Figuring Out Financing and Getting Out of Debt!

Lately I've been thinking a lot about financial issues. Especially after I got caught without extra money to help my kids at the last minute. With jobs around here being far and in between and pay being on the low end for anywhere you work in this town, it's been very tough.

Years ago the option of Credit counseling was available, so I looked into it with my ex-husband. We had piled on the bills and I thought maybe credit counseling could help. As it turned out it wasn't right for us and we ended up paying most of the bills off on our own.

Well, that was the past and even though I still have some bills from the past, it's nothing too serious that can't be handle with some re-arranging. I checked with a program called BillsIQ and found it to be kind of an interesting thing.



My BillsIQ turned out to be a 72% a C. Not bad, but it could be so much better.

I think with that thought in mind, the first thing I really want to do is pay our insurance on a 6-12 months basis instead of every month. It will eliminate the $3 a month fee and we won't have to worry about insurance for another year. We'll save $30 a year that way. Might not seem like much, but $30 is enough to buy groceries or gas for several days.

But then again, maybe it would be better to pay off a credit card bill instead? It would save us even more since the monthly interest rate alone is almost $30!

If you had the money, what would you eliminate from the bills in your life?

After the Holidays

While I love Christmas Shopping for other people, sometimes it's hard to stick to a budget. If that happens we tend to get low on cash when it comes to the winter bills. And I know I am not alone! If you're low on cash and need a little help until the next pay day, Payday loans can often be a big help.

Payday loan quotes offers pay day loans that can get you through your next paycheck. There's no credit check and you can see in advance how much your loan rate will be, without a commitment. Plus your loan can be approved in a matter of seconds. How cool is that?

Now, keep in mind... A pay day loan is paid back using your paycheck and it's generally paid back in the next week. It's not a long term loan, so if you're looking for something a little more flexible when it comes to payments, you might consider another type of loan.

If you're just looking for some quick cash and don't mind the higher interest rate or short term loan, then payday loans may be just what you're looking for!



This is a paid review and is sponsored by payperpost and payday loan quotes.