Credit Card Debt Got You Held Captive?

I was surfing the other day and came across a great little site with some excellent and informative videos with regards to Creditors and debt. So, if your to the point of considering Bankruptcy, Refinancing, Consolidation or Settling your debts check this site out. The video's alone are a wealth of information. That's what drew me to the sight.

Also a little info for you, if you are thinking of doing settlements on any of your debts please be aware that you may have to pay taxes on any part that is forgiven and you don't have to repay. For example you have a $2000.00 debt and you settle for $1000.00, you may have to pay taxes on the $1000.00 you didn't have to repay. You would probably receive what is called a 1099c at the end of the year. Check the IRS code or a tax attorney. You don't want the IRS suddenly sending you notice you owe them....yikes

I believe that a credit card can be a friend or foe and for most American's they have become a great foe! Credit cards keep you in debt to the banks and that's just how they like it. Credit cards have become the American way of life but to what extent? Simply by making you a Slave to debt! So how do you like those
shackles dragging that ball and chain around?


Folks things right now are looking pretty bleak. Jobs being lost by the thousands or outsourced overseas. Gas prices you and I can't afford and even food is get outrageous (I just went yesterday and prices have really gone up).

You have simply got to bite the bullet and get OUT OF DEBT. How you say?

Ok you know you don't want to read this but it's true so here goes.

Well for one thing:

• Stop buying crap you don't need!
• Get a second job for awhile if need be.
• Drive a little slower.
• Take your lunch to work.
• Cut back on cable or get a cheaper package.
• Cook dinner! Shop those sales flyers and use those dang coupons!
• Stop the fast food and eating out syndrome.
• Make credit card payments ON TIME. And make darn sure you pay more than the minimum! Pay those cards off ASAP! And then stick with one and pay it off every month or don't freaking use it all.
• Ask for lower interest rates!!! (I just did this with 2 cards and got 5% knocked of each card...woo hoooo!)
• You can even ask for a late fee to be removed if you never asked before or you haven't been late in say the last 6 to 12 months, just ask it won't hurt and they will probably do it.
• Read articles about getting out of debt to find other ways to help yourself and your financial situation.
• Basically, be honest with yourself and ask do I really like my life and finances the way they are? If not, then freaking get off your ass and do something about it. (sorry I know that's not very ladylike talk but come on let's just get real ok) Nothing will ever change if you do nothing! And if you know your in deep sh*t get professional help before you it's to late!
• And lastly, work with a debt card not a credit card. When you pay cash your more careful about what you buy.
  

You are responsible for the financial situation your in. No one else is to blame. But as tempting as credit card offers are, don't fall prey to them. If you are not going to use them correctly then by george tear those offers up and soon as you see them.

Also you can visit: https://www.annualcreditreport.com/cra/index . You can get a free copy of your credit report once a year with no charge but you won't get that credit score, that you have to pay for.

Now for the site I found. http://www.thecreditcardsolution.com/
And no I don't get anything for telling you about this site it is simply something I came across by accident. But again just watch the video's and wise up a little about debt and debt collectors and your rights. I hope you will learn to get yourself out of the enslavement and bondage of credit cards and debt in general. May God bless you on your journey to financial freedom and independence!
Being debt free will change your life forever!

How to Get Uncle Sam to Pay for Your Home Business

How you can prosper with your own Home Based Business by learning how to take advantage of tax saving. Why have a home based business if your not going to use tax savings that are available to you? Keep track of your spending, milage and anything else associated with your home based business...you owe it to yourself. You worked hard for what you earn! So don't turn around and just let the IRS take what is legally yours...your money!

Perhaps this video will help you understand how you can keep more of what your earn.

Ron-Mueller---Home-Business-Tax-Savings - Hosted by Putfile.com

It's how MUCH you KEEP that COUNTS! Not how much you Make!

Sunday This one Not Quite Like the Others

Today I spent my day reading other people's blogs, watching Youtube video's and thinking the world is evolving but into what? Progress ....hmmm? Perhaps one might think so. As new technology is introduced in various aspects of medicine, telecommunications, IT, science to name a few.

But I see a decline in us as human beings, in our way of thinking, our values or the lack of I should say....and integrity, honesty and virtue. Where are they? I see a lot of people thinking of themselves most of the time. I believe we have become the me generation. We want a quick fix for everything and when we don't get it, whatever it is, we take short cuts over looking others needs before our own. Lying, cheating, stealing our way to the top of the heap. And once we are there are we fulfilled.... no.

I see the lack of quality and discipline in ourselves like we are just wondering aimlessly. If that makes any sense to anyone. I have a job I go to everyday and I myself do it because it is my job, not because I am there for a paycheck. I am their doing what I do in order to help the people I am suppose to. Not to try and be superior over someone to make them feel less than who they are. I try to uplift people when they are down. I don't follow the crowd. I don't do things just because everyone else is. I do things with purpose. Or at least that's the way I see myself. I have even been told I try to help more than I should. Is that really possible?

I read a blog the other day about someone wanting to know how to build up a thick skin. I myself am pretty thin skinned and I think that's ok. I would hate to be someone who was so thick skinned that nothing phased them. I think that sometimes if they have such a thick skin they won't have the capability of feeling how someone else feels. Meaning how can you empathize with someone without the ability to feel things.

Example: I am a bill collector and I am 52 and have lived through quite a lot on crap in my life. I work with a lot of young people who to me are only at their job because of the paycheck and that's it. You can hear it in the way they talk to people. They themselves have never experienced an real problems in their lives because of the quick fix mentality of their Me generation parents. The screaming child who wants something and they want it now and the parent that hands it over with no real thought as to hmmm, wait, I should make them work for this or earn that. And the child has not been taught that you have to work for what you want in life and by do so you learn that feeling of independence and pride from doing something well and earning what is deserved. I know there are parents that teach their children well and to those of you I applaude you and there are those that don't and should. But if you weren't taught how, LEARN HOW TO AND DO IT NOW FOR GOSH SAKES!!!

Ok I'm rambling, I'm tired I watched 9-11 video's that somehow caught my eye and made me sad. One was were they are still finding human remains at the site then looked on the side panel and saw one about how bad it was that day and that people began jumping off the building thinking it was better than being burned alive. I still think and I am sorry to say that I believe we our government had something do with 9-11. I just kept watching those towers fall and heard the firemen talking about hearing the many explosions as when a building is being demolished.

There are just still to many unanswered questions for me.

I will just keep praying that whoever is the next President of The United States will be able to lead us with Honesty and Integrity in the future. The only thing is I don't believe it will be McCain or Obama.

So with my ramblings done and sorry if they make no sense to anyone other than myself that's ok too. May God bless us and help us ALL!

Laugh, love and live like there's no tomorrow and have an attitude of gratitude. And I thank God I read and saw what I did today for it gives me the will to try and make things better with everything I do or say. Thanks for stopping by.....Dianne in Texas

Gasoline Prices are Out of Control!!

Gasoline you have to have it but at what cost?
At present too dam much!

I had to fill up today and it hit me last year some time I was on a web site that told the cheapest place to buy gas and where. Luckily I found it in my favorites and boy did that come in handy.

The little place across from where I live wanted $3.95 a gallon and I checked the site for a cheaper price and there it was $3.79 and it was just 2.5 miles down the road from where I live. I didn't need but like 8 gallons which cost me 32.02 @ $3.79 a gallon verses the $3.95 it would have cost had I not looked up the price of gasoline. Hey, I figured I better get it while the getting was good. So I saved $1.34 and I know that doesn't sound like a lot but every little bit of saving is money in my pocket.

So if you want to find the cheapest place to get gas, go Google a site in your area. For me I used this one. http://www.gasbuddy.com/

Ways to help you save money on gas while driving your car:

• Check your tire pressure.
• Lighten the load in your trunk.
• Check all the filters in your car.
• Make sure you get regular tune ups.
• Avoid fast acceleration and hard breaking...strive for consistency in your driving.
• Minimizing "idling" your car - as this can burn up gas for no reason at all
• Plan your trips to the market, the bank and so on so your not running all over the place.
• Shop online you can get almost anything you need online these days.

And if you take my advice about shopping online check out my other post about using Big Crumbs. Let's save some money.

Just trying to find ways to help you prosper not matter what it is!

***UPDATE***
Gasonline regular now down to $2.59 ...about dang time this went down and it needs to go a whole lot lower.

***UPDATE*** 12/26/2008
Finally down to a price I can almost live with again $1.39 omg what a relief!!!

So You Want To Build A Web Site

A web site is a great thing to have if your in Business or even if your not. You can do so much with a web site. Here are a few reasons you need a web site.

1. A web site increases your credibility of your Company.
   
2. A web site increases your visibility.
3. A web site can help you build trust with existing and potential customers.
4. A web site can increase your local business.
5. A web site makes it easy for you to receive referrals.
6. A web site is a cost effective sales tool.
7. A web site enhances offline advertising efforts.
8. A web site can enhance customer relations.
9. A web site is a great prospecting tool.
10. A web site is a great place to post your resume.
11. A web site is another way to keep updated with far away family members.
12. A web site is a great way to announce to the world some upcoming news.
13. A web site is a great place for blogging and making money

The list goes on and on.
As you can see there are hundreds of reason you might need a web site these are just a few. Web sites are a great communication medium to let everyone know who you are and that you exsist. The World Wide Web has grown so much over the last decade that it boggles the mind.

There is so much information available all because people like yourself have posted a web site ont the Internet. So what are you waiting for. I have several web sites on the Interent and I personally use Yahoo! Small Business.



Besure to check them out they have a great plan just waiting for you! I wish you every success with all your endeavors. Dianne