Showing posts with label Money. Show all posts

I do not want to be back, but alas, I am. We go again in October! I cannot wait! This last trip was good but it was the most expensive! I came home to a pile of bills and not enough money to pay them all! The first thing that came to mind was getting one of those instant payday loans just to get caught up. I had heard of these types of personal loans but never applied for one. Anyone ever do this?

This happened because some unexpected bills arrived - those truly give me grief because I try my best to plan for everything but even having some money aside for the unexpected is sometimes not enough. This happens to be one of those times.

CJ and I both work in an industry where we rely on clients to pay us for our work. Sometimes we do not receive payment on time from certain clients. Actually, not sometimes; how about many times? UGH! I knew this is how it would be when I decided to work for myself. I just did not realize how often I would have to chase people for payment, it is ridiculous!

Anyway, okay, breathe! Today is New Moon! Time for new beginnings! Time to get in a positive mindset and get motivated. July is going to be a busy month with work but at least we will (hopefully) be all caught up on bills.  I will definitely plan better for our next trip so this doesn't ever happen again.

I realize this may seem like it doesn't fall within the realm of my blog's theme but I do think this is very important. I just took this quiz to see what my "bills IQ" is and I am happy to report it is an A. I scored a 93%! At this point in time, I don't need any Debt help but unfortunately some people do.

Having outstanding bills is scary. I mean, yes, we have a mortgage and we have a car payment, but aside from that we are debt free. I would like to be saving a bit more every month but that's something I can work on.

You can find out your score at BillsIQ and see where you stand. The site can then help you with Debt consolidation, if that is what you find you need.

Sometimes being in debt is unavoidable, especially where mortgages come into play. In fact, many people don't even see having a mortgage as being in debt. Credit card bills soar, more so during the holiday season and suddenly it's realized you definitely need Debt relief before things get out of control.

I know for my family, it's important to have the future covered, such as having a life insurance policy and money aside for retirement. My children are still young but it's never too early to put extra money aside for them, in case they need help paying for college or trade school. Definitely something to think about!