Home Sweet Simple Home | ||
Shocking!Allow me to share some shocking information with you all. Some states try to regulate the percentage rate that credit card companies can charge-BUT: We learned at court yesterday that the way the credit card companies get around this is that they are able to charge interest rates from the state the card originates in- not where the credit card holder lives. So you will find that most credit cards are issued from the state of WHAT??? Is it any wonder that people are having trouble with credit card debt- if you read the fine print on your statements/contract you will find that the credit card companies can raise your interest rate whenever they feel like it- and can especially take it to the maximum if you are late on a payment (and we are talking 1 day late- no grace period), go over limit, or heaven forbid, pay less than the amount stated. One of the many things I have learned is that you must very carefully monitor your credit card statements each and every month. Check not only for purchases you didn’t make but your interest rate and if they’ve changed your payment date. They are that sneaky- really! If your credit card company ups your rate and you feel it is unfair- CALL THEM. You have the power to negotiate your rate. If the person in customer service tells you they can’t help you blah, blah, blah- ask to speak with their supervisor. Remember to keep your voice calm and professional- do not fly off the handle or come off as demanding. State your case simply- make sure to point out your stellar credit history with them- your timely payments, paying above the minimum, how long you’ve been with them etc. If this doesn’t work for you- simply state that you will either close your account or better yet (to them) tell them that you are prepared to switch to another credit card that can offer you XX% rate (and to make sure you are not bluffing- have this info on hand- you probably get offers like this in the mail 3 or 4 times a week). Also important- keep a call log- who you spoke with on what day and what they said in response to you. If they turn you down- call back again the next month and the next. As for me- personally—I will never EVER own a credit card again. I am just too tempted. I do not want to be in debt to anyone but the Lord. Some great tools for you: Check out Dave Ramsey- he has a website and a couple of great books- I personally recommend The Total Money Make-Over (check it out at the library before spending the money on it- but I tell you- its worth buying!). I believe I will be sharing more tips and tricks from what I have learned these past two years. I want to get the word out that you can help yourself! Really! I'm in a carnivalThe 25th Carnival of Homesteading is up and it's the Thanksgiving Edition.
Go check out all the great goodies and such.
You'll even find me on there- with my own yummy Thanksgiving recipes! Thanks Jocelyn for putting this together. And sincerest thanks for honoring me by adding my post to the mix. Thank you! Happy Thanksgiving! It's Me- Carnival of HomesteadingAww, Shucks! I'm in the CarnivalWhat a delight to find my post God Pleaser vs. People Pleaser in the 10th Carnival of Homesteading!Go here to see all the other wonderful posts included in this week's carnival. Make sure to click on a few and check them out. Also listed on the carnival- KayinPA (Urban Pioneer) had her baby boy! Yay and congratulations! Thanks again to Jocelyn Dixon for putting together such a wonderful and very thorough carnival of homesteading! Homestead Type Book ReviewI was able to sneak in an hour by myself at the library on Saturday and found a wonderful new series to bury my nose in. The Wortham Family Series by Leisha Kelly. I am a few chapters away from finishing the first book: Julia's Hope and am eager to dive into the next (Emma's Gift) and continue the story. ![]() Here's what Christain Book has to say about Julia's Hope: "By 1931, the Worthams had lost everything---Samuel's job, Julia's inheritance, and their home in Harrisburg, Pennsylvania. Pursuing an empty promise of employment, they trudge off to Mt. Vernon, Illinois, but a violent summer storm and an abandoned farmhouse change their course. Has God provided a new home for a desperate family . . . and a new family for an elderly stranger?" That blurb just doesn't seem to do the story justice. Yes, they end up in an abandoned farmhouse but more than that they end up finding the lovely older woman who owns the farmhouse and take her back to live there and work the farm with her. Though circumstances are less than ideal and many people think the Worthams are taking advantage of the dear old woman and want to drive them out of town, God provides again and again for the family. Emma, the dear older woman, showcases such an extraordinary gracious giving attitude. The story weaves in the desperate times they lived in but more than that it shows how they lived and farmed with much less than we have today. The story isn't all tied up with a pretty bow at the end which, I feel, makes it more realistic. Sure I'd like the fairy tale ending of everyone realizing that the Worthams are wonderful, loving, God-fearing people and then they all apologize for treating them so horrid- but I know life doesn't happen like that. So, it is more realistic to see them continue to struggle with people's perceptions as well as their struggle to survive daily living with no money and no job prospects. I loved reading how they found the house and made it a home. How Julia gleans weeds and greens and herbs and prepares meals. How God provided again and again. This book is truly a lovely read. Each chapter is assigned a character in the story (Julia, her husband Sam, and Emma) who tells part of the tale from their perspective. At first this threw me but I quickly caught on and quite enjoyed getting the first-person perspective from the 3 main characters; it added so much more to the story- a deeper connection to these 3 main characters. I look forward to reading the 2nd and 3rd books in this series and then the series that follows it, The Country Road Chronicles. And so, bottom line- if you enjoy a homestead story with "a time for planting and a time for harvesting" and a great mixing of God's provision added for good measure, then check out this book/series. Great LinkageJust wanted to share some great linkage with those who drop in. Check them out- very good stuff. Too Cute & Sew SimpleWow! I just found these adorable dressed-up onesies thru blog-hopping.What a wonderful idea for vintage hankies! Won't a baby girl just look ohsodarling in this!!! And sew simple too! ![]() Although I don't sew . . . . but Maiden is apprenticing with her Nana . . . . I think I'll show Nan. We're expecting a new niece in a few short weeks. Now I've just got to hunt up where I stashed those ohtoocute hankies . . . . Names MatterNAMES MATTER To laughWhen I am in need of a laugh or just a good pick-me-up I go on over to Antique Mommy's blog. I giggle, I snicker and often outright guffah at her hilarity.I enjoy her ability to embellish an already good tale and to make the frustrating moments of life a bit more laughable. You just gotta read this post- oh, did I laugh. If I'd been drinking my water it would have spewed on the computer! I've lived this post! Enjoy! Lemonade standI love my free Kraft's Food and Family Magazine. Fast food vs RealityHave you ever thought to yourself that the pictures of food in advertisements are quite different from what you get in reality?Some enterprising person has a nice little photo display right here showing you the remarkable difference. And that is why we don't eat out that often- because I can make it better here @ home- both in looks and in taste! Great TipIn my blog reading here at HSB2 I just found a wonderful interesting tip for night time coughing. Hat Tip to Titus 2 Woman! Thanks a bunch! Stuff still not workingAh, well, linking and inserting a photo etc. still aren't working yet. Anyone know when this will be fixed? To the Powers that Be- we trust you will get this all fixed soon! Thanks for this great community Ugh. Sigh. Moan. Whine.Ooh, I hope this all gets fixed soon.I love to cut and paste posts from Word (then I don't lose all that I've written when an attempt at posting goes south quickly). It saves time and allows for spell checking . . . . . But I do NOT like the new way of cutting and pasting here- that clean up box is not working right! It says to hit OK and well, there is no OK button/icon/whatever. Ugh. Patience is a virtue. I pray things will be back to normal soon. I am sure the powers that be behind this wonderful community are hard at work on these issues and I don't want to sound ungrateful or come across as thinking they aren't doing a good enough job. These little hiccups do happen and we are probably pretty spoiled here that they don't happen too often. Anyhoo- hoping it is fixed soon cuz it's a bear to post right now. ??Confused??Every time I try to set a link and click on it- it brings up a small box with Homesteadblogger's Home page- which it won't expand or let you click on or anything . . . . . I have a request for helpI have a request. To all homeschooling families- do you have a name for your little homeschool? Giggles and grinsHere is a short little story to make you grin: George opened the back door to go turn off the light but saw that there were people in the shed stealing things. He phoned the police, who asked "Is someone in your house?" and he said no. Then they said that all patrols were busy, and that he should simply lock his door and an officer would be along when available. George said, "Okay," hung up, counted to 30, and phoned the police again. "Hello, I just called you a few seconds ago because there were people in my shed. Well, you don't have to worry about them now cause I've just shot them all." Then he hung up. Within five minutes three police cars, an Armed Response unit, and an ambulance showed up at George's residence. Of course, the police caught the burglars red-handed. One of the policemen said to George: "I thought you said that you'd shot them!" George said, "I thought you said there was nobody available!"
REMINDER...This is only humor, not advice... Found the article!Thanks to Sweetie right here at homesteadblogger I have found the article I was referring to in my previous post and wonder of wonders- it was written by her husband! The Nativity StoryI am so terribly bummed. I was planning on taking my youth group (and my 2 daughters) to go see The Nativity Story on Sunday afternoon. Our local theater has changed the movie times. They are now showing it only 1 time a day- at 9:40 pm. Being a 2 hour movie- it won't get out until 20 to Midnight. I have a mostly young (middle school) youth group and most of their parents don't like them out that late. And truthfully I don't want to be going to see a movie that late.Obviously it wasn't a money maker for them so they withdrew the prime times for other movies. Black Friday change for WalmartPerhaps you have heard the uproar over Wal-mart's plans to donate part of their Black Friday proceeds to a h*mos*xual group? Maybe you recieved the online petition from American Family Association . . . . . { Last Page } { Page 1 of 3 } { Next Page } |
About Me-Bilbo Baggins Home My Profile Archives Friends My Photo Album View my page on Homeschool Hackers LinksGift Baskets From MichiganReminders of Faith- Scrapbooking Blue Streak Ink Hope Chest Legacy Graphics Cupboard Home Sweet Homepage Graphics Mrs. Wilt's Blog @ Sparrow's Nest Pleasant View Schoolhouse Blog Homeschool Buyers Co-op ![]() Categories101 Things I Love About My HusbandA Year of Abundance Check This Out Christmas and Advent Clean Heart-Clean Home Crafty Goodness Everyday Things Family Life Financial Bliss Gift Giving God is Good His Help Meet Holidays Homekeeping Homeschooling in Everything Give Thanks In the Garden Leftovers Menus One Thousand Gifts List Proverbs 31 Woman Quotes and Such Recipes The Vitamin Experiment Thinking Out Loud Thursday 13 Works for Me The Wagner ClanMy Husband (DH)-Mr. Steady My rock and biggest supporter. The glue that keeps the family sane. He is like deep, deep water- it takes a lot to see a ripple. DD11- Our Maiden in Waiting- By the world's standard she's a 'tween'. By ours and the Lord's- this is the time of her years of preparation. She is eagerly learning what it means to keep a home and daily becomes more and more of a helper to her Mama. DD8- Sassafras My Sassy middle child. She holds her own so sweetly and has such an empathetic heart. While real Sassafras is used for flavoring- She is that added spice of flavor to our family. DS4- Mr. Conductor- The train aficionado in the family. He likes to think he's in charge and often is! He's also the biggest Oreo fiend in the family. Recent EntriesWhat a weekend!Homeschool Mission Statement Menu - a cheap week! Monday Day Book #3 Letting go and the need to leap Friends Here on the HomesteadHSBPublisherjenig tnschaffer Dalyn FaithfulAcres livin4Him6 CountryLiving belovedlamb quiverfull NewHarvestHomestead quiverfullacres lancelotacres CatherineAnn countrydreamn wannabeone annre kayinpa mccrjill TheRusticCottage KimMC sunnyflowers TheLandIsCalling tioga12 micandme smmagers urbanhome peachyfiglet MyThreeDaughters AmyJoBellclapper oldpathsfamilyfarm TChannel4 jimnjill shekinah erisarei jwells happymama deedee06 robertsroost Darcy jackiebridgen jocelyndixon PattyMarie BlueApple Skylark Sita naturalmama a1health DakotaSoaplady countryheart 2sonsMom ibuwolf digbugsgirl imspecl hcorbin Roberta rashel Rhen jennikl9 katenicholl solodeogloria CaraDD paschalhome Southernangel fcusick wstoller keeperofmyhome ![]() |
|