New Years Resolutions

[confused]

  blueeyedmanda said:

My mom bought each of us a guardian angel visor clip that says Never drive faster than your guardian angel can fly.

I got guardian angel visor clips to, not for christmas but a few months ago, mine is the praying hands but it dont say anything. My hair keeps getting stuck in it when i sit to far up lol.

paula

[confused]

  blueeyedmanda said:

I can say with the wedding and a few other things one of our credit card bills is high....and scary high from my viewpoint. I would like to get rid of it. I am thinking of doing a balance transfer since the interest on the card is 24%....so it never comes down.....

balance transfer would be a great idea, we were in so much debt 18 months go we had to refinance the house, which was a pain in the butt, but at least we didnt have to keep paying so much interest on credit card bills. It owuld have taken us 50 yrs to pay them off lol

paula

[Guest j_mommy]

I have an angel clip like that in my car....switch it every time I get a new car!!! Had it for years!

Play outside more with my son instead of doing.....laundry,dishes,cleaning,homework,work ect,ect,ect....what is one hour outside going to hurt!!!!

Also...thanks to all for helping!!!! you have all helped me come a long way since april!!!

[blueeyedmanda]

  confused said:

balance transfer would be a great idea, we were in so much debt 18 months go we had to refinance the house, which was a pain in the butt, but at least we didnt have to keep paying so much interest on credit card bills. It owuld have taken us 50 yrs to pay them off lol

paula

I never let my card get high before, I used to freak when it went near 1000......I wish it was there again. All the worrying in the world isn't helping either. We rent and that is almost 900 a month. Now I am afraid we will have to move somewhere else....to a not so nice area/place....which is on my mind. I just feel like we cannot get ahead...both of us have decent paying jobs and we dont use money for anything ever, no movies, clothes...I buy the majority of my clothes at the thrift store....I am lost....

[psawyer]

Amanda, go to your bank and talk to them about a term loan. Unlike the credit card, you would have to make a fixed monthly installment against the balance. But you should be able to obtain an interest rate much lower than what you are paying on the credit card. The rate will depend on a number of things, but will almost certainly be less than 24%. An unsecured loan, with both of you working, should not be more than 12% at most. Prime rate is currently at 6% in Canada. There is no reason that you should be paying four times that.

[blueeyedmanda]

Thanks for the info Peter. I am going to respond to your pm once I get home from work I really appreciate all your help.

[little d]

10. Be on time to work everyday

9. watch less TV

8. walk the dog more often

7. keep the house clean

6. make my daughter keep her room clean

5. complete my studies ahead of time/get good grades

4. Be a better mom (being available to play with daughter)

3. Get our finances in order to get another house in the future/save money

2. Stick to my diet/get an official diagnoses for the benefit of others

1. Get back into church

donna

[Eriella]

  blueeyedmanda said:

I can say with the wedding and a few other things one of our credit card bills is high....and scary high from my viewpoint. I would like to get rid of it. I am thinking of doing a balance transfer since the interest on the card is 24%....so it never comes down.....

Depending on how much debt you have and your credit level, your best bet might be one of those 0% apr for 6 months cards. This only works if you can pay off all of the debt in the grace period, but it does help! The other thing is to call the company and ask if you can have the rate lowered. A lot will just for asking.

[misdiagnosed6yrs]

  blueeyedmanda said:

Happy New year Everyone!!! We made it another year!

So as we say goodbye to 2007....which went very quickly might I add...Just wondering what goals everyone has set for 2008?

John and I are going to join the gym at work and try to get into shape....we have both put on some lbs over the years.

We are also going to start saving money for a home of our own...very big goal.

We are also going to try to start our family this year which is a very special goal for us and I know some members know that

So feel free to share your goals and resolutions for the coming year :)

Have a safe and happy New Years Eve tonight too!

Being newly diagnosed. My goals are to get back into life. Work hard, vacation and just be healthy. I missed out on so much over the past 2 1/2 years because I was too sick.

Well, NOT ANYMORE.

Happy New Year

Bobbi

[aikiducky]

My little sister and I made a resolution to eat well, sleep enough and party with moderation. Should be doable.

Pauliina