October begins..
Last quarter of the year and I can't wait for this year to be over. Three more months to go.
Not that I do not like this year but certainly this one will not go to my favorites.
The year started not so good- with us not knowing where to live. For 2 months we were accommodated in our church vacant room until the Lord gave us this place where we currently live with no rent at all. Blessing.And for that I am truly grateful.
This must also be the hardest for us in terms of our finances. We had problems with the t-shirts printing way back February which put us into financial set back and then came my brothers' problem which pushed us back even further. I thought I'll be debt free this year and I made some major plans already but apparently God has other plans.
Oh well, am so glad September is over, some debts have been fully paid this month (Praise God!)and I must welcome October with more enthusiasm. The year started bad but is doesn't mean it will end up the same way right?
It's three more months and a lot can still happen.
Showing posts with label debt management. Show all posts
Showing posts with label debt management. Show all posts
Saturday, October 1, 2011
Saturday, October 17, 2009
Debt Management
Guess what? My dear husband enjoyed the movie "confessions of a shopaholic" which we've got to see only last Wednesday night. A friend bought the DVD and I nagged him to watch with us. And yes, he enjoyed it, he was all smiles and laughing all the time. Next in line would be "The devil wears Prada" which we bought yesterday. Saw it on the big screen but I want to watch it again with him.
Anyways, back to shopaholic..I know it is so true and it can happen or might be happening to someone right now. In America, it is so easy to have credit cards and like that girl anyone can have 3,5 or even more than 5 credit cards. The problem lies when you can’t pay them anymore. It’s too late to realize that you’ve spent more than what you actually earn.
But then in America, there are also lots of help when you get yourself to that situation, but of course you have to be determined to help yourself also. You can enroll yourself into a debt management program and also you can get a debt counselor. I don’t think we have that here.
www.debtmanagementgroup.org is one of those organizations I have mentioned above. There, they will consolidate your debt which is good because you only have to worry about paying one debt only. They will also lower your interest rates which you can discuss with your debt counselor. The best I think is that they will eliminate annoying collector’s calls.
Remember Derek Smeath? You don’t want that for sure.
Anyways, back to shopaholic..I know it is so true and it can happen or might be happening to someone right now. In America, it is so easy to have credit cards and like that girl anyone can have 3,5 or even more than 5 credit cards. The problem lies when you can’t pay them anymore. It’s too late to realize that you’ve spent more than what you actually earn.
But then in America, there are also lots of help when you get yourself to that situation, but of course you have to be determined to help yourself also. You can enroll yourself into a debt management program and also you can get a debt counselor. I don’t think we have that here.
www.debtmanagementgroup.org is one of those organizations I have mentioned above. There, they will consolidate your debt which is good because you only have to worry about paying one debt only. They will also lower your interest rates which you can discuss with your debt counselor. The best I think is that they will eliminate annoying collector’s calls.
Remember Derek Smeath? You don’t want that for sure.
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