Category Archives: Tips and Tricks

It was a family owed business

No, it wasn’t Wal-mart. It was a family owed business. It used to grow alot till the founder died about 3 years ago. The sons and nephew took over. Every since then, all they think is BIG. Buying extra building surround it and etc. They were getting too big for their pockets. Every year around Christmas, the employees have to suffer with very little Christmas bonus. They even have Christmas party with door prizes and of course their families win it instead of employees. Should I go on? These people are horrible. I’ve been wanted to quit for year till I have to take off for surgery.

I have perfect records for not taking off from work for anything. I even gone to work sick as a dog and still made it through the day. I have never won the employees of the year. Their favorite employees who are also their friends won it. I would love to find another job but I found out that new employers will check for your credit rating and if they are really bad, they won’t hire me. Why’s that? I’m a workaholic and they won’t hire me?! Should it be against the laws for them to do that? I can pay my bills once I get a job. I’m having a difficult time finding one also due to my hearing impairment and bad back. What am I going to do? I’m in the dump all the time and I hate it. Any suggestions?

I am in HR and not all employers check your credit background most only do criminal just from my experience. Also it is against the law not to hire you if you have a disability. You do not have to disclose that information to your employer.

Let me know if you have any other questions.

Its time to put the lazies aside

Well its time to put the lazies aside and time to get to work.

Once you have passed a point things tend to turn around.Easy foods, dry cleaning, replacing shoes instead of repairing them, beauty parlors, all got to stop. I started making life style changes 15 years ago and retired at 46 by doing so.

As a young couple I learned very early on that paying rent was the way I was making someoneelse’s house payments. Renting gets you no where fast, buying is a way of saving. But you can’t go buy some huge house you must get the minimum size in a good area close to work and schools. In case you desperatlely need cash -avoid payday loans at any cost. There is much better option – you can get instant installment loan from company like At least you will not have to repay every penny back at once. They will work out a schedule plan.

You can expand later. With every payment after that you are saving for the future. Brand new cars, a no no. You got to find transportation that is good, not old but not new. A better car that is used is much better than a brand new piece of junk.

Buy furniture at resale shops, garage sales for kids toys , books, dishes, anything that can be cleaned and used doesn’t matter. You can also see who you are buying from when you go to one of those neighborhood jewels

Now, sales at the groceries. I get the local sales papers, mark everything I want to get, make a map for the easiest and shortest way to go to at least 4 different groceries every week.

I fill the freezer with chicken on sale, to tomatoes from the farmers market. You got to have a freezer. Then I start cooking. I never ever cook one meal. I cook three meals, takes the same amount of fuel or electricity to cook a chicken stew for three meals as it does for one and just about the same amount of time.

I freeze the other two and that gives me time to run to five grocery stores instead of cooking those meals over again. I keep a list of everything I freeze , I know what I have uncooked to cooked. I mark it off as I cook it and mark it again when its used up. Get the shoe polish out, a little ironing can make them clothes look good again.

Never throw much away. Learn how to use all those containers food comes in to freeze those meals. The internet is a good place to shop too. Look for clearance items on sites like target. Why pay full price and try to do it all at once so you can get free shipping with 50 dollar are more purchases.

There are so many ways to save. In the beginning it seems you are not getting anywhere but before you know it Christmas is here and you bought that turkey or ham and its waiting in the freezer. You have a few extra dollars from your garage sale. But lazy, well that cost and you can’t be lazy and save. Forget the credit cards except for internet sales. Pay off every card every month. Never ever pay late charges, or interest.

No No NO, if you are you need rehab. Shop the internet and know how much you can afford to spend before you start looking. Get only what you need and do prepare for Christmas early,also birthdays.Last minute shopping cost way to much. Get it early, get it on sale, get it on clearance or don’t get it. PERIOD……….

Debt Settlement

Has anyone been successful settling with CapitalOne?
Thank you,

I did settle with them. They were going to take me to court. They had lawyers on me. They threatened to put a lien against my house, garnish my wages, etc. I did settle with them, but had to pay all of what I owed. I paid off their lawyer in payments, I think over three months. It was hard, but I worked extra and did it, and am so glad to finally be rid of them. I found they will work with you, but you have to pay it off as agreed, or they will sue.

I have a question, you said they were going to put a lien against your house. How can they do that if credit card debt is unsecured? Can they still go after your house? I don’t get it.

If they get a judgment then they can put a lien on the house to enforce the judgment but can’t act on it if the lien is less than your state’s homestead exemption.