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  1. Debt Reduction & Money Management
    Hello all, I am beginning my TMM this month when I receive my next paycheck. Any tips or advice?
  2. Financial hardship
    my gas was turned off this morning... ever since the divorce, I've been unable to get caught up. I've been consistently overdrawn and by the time I get my next check, 1/3 of it goes to cover overdrafts.... when I was married, all our bills were set to automatically come out of our accounts...
  3. Automotive
    Argh! I went and met DH for lunch today because it was so nice and I just had to get out of the house. The shift cable on my wagon broke as we were leaving the restaurant. At least we were still in the parking lot. And I still have minutes on the tracfone we bought for our christmas trip...
  4. Home and family challenges
    We've moving, just after Christmas. We get our keys on the 27th and have until the night of the 30th to be out of here. No, I haven't started packing just yet (we found out on Friday). We're moving from a 3000 sq ft house to a 1100 sq ft apartment. It is a very spiritual move, thus the...
  5. Calculations and Alternatives
    I frequent a local farmer's market. It goes from 6 am to noon. If I get there at 6 am, I can buy the cheapest freshest produce because I have my selection of all the stands. However, if I get there at noon, they will often mark down produce for me because it's all they have left. I often end...
  6. Homesteading and gardening
    I am pretty new at all this gardening stuff, not that I haven't had one before but never anything really big. I would really like to plant a bigger garden this year and have been looking all over for ideas. I run on to this website that has a ton of information for beginners and thought...
  7. Needle Arts
    Angrypuppy bought me some knitting lessons for my birthday last week and tonight is my second lesson. I'm making a hat (see picture) and so far absolutely loving it. Any tips for a brand spankin' new beginner? TIA!
  8. Question and Answer
    A brief explanation of my situation and goals. Myself, my son and daughter are living on Social Security benefits as of right now. My husband passed away and this is the benefit we will receive until my youngest turns 16 (she is 10) So I have 6 years to get myself educated and into a stable...
  9. Homesteading and gardening
    I remember seeing this on QVC a few years ago for a lot more. Now it's still a lot more expensive than a couple of packs of seed but if you're nervous about trying your hand at growing flowers it might be a good place to start (for a price ;) ). It's on the Amazon Friday Sale;
  10. General Chat
    Well, I haven't been on-line much this week because of what happened yesterday. The sewer backed up into the drain in my bathroom floor!!! YUCK!!! I went to plug in my hot water heater yesterday morning (we can only plug it in part-time) I walked into the bathroom to discover that water was...
  11. Coupons
    Any advice on where to start? I have started picking up coupons wherever I find them and today I plan to go out and buy a couple copies of the Sunday paper. I am looking for a good way to keep them organized and I came across this website and wondered if any of you use this system...
  12. Religion
    Beginning today I will no longer worry about yesterday. It is in the past and the past will never change. Only I can change by choosing to do so. Beginning today I will no longer worry about tomorrow. Tomorrow will always be there, waiting for me to make the most of it. But I cannot make the...
  13. Christmas
    I am finally getting into the mood of it all. I started baking cookies. I am making rocky road, sugar, peanut butter, and red &green M&M cookies. So far I have finished off all of the PB ones and have started the M&M ones, second tray is in the oven. Tomorrow I gotta make a pumpkin pie and an...
  14. Frugal Living
    This might have been asked and answered before, but I'm not even sure how to begin getting myself on a budget. It seems like we've always just thrown money at the bills and hoped for the best. And so far, that best just ain't workin'! Just this week, I have worked on getting our bills up to...
  15. Health challenges
    g'morning everyone. Has everyone gotta plan for their 30 mins today?? I am doing a 2 mile WATP tape this morning. I am going to be tied up with oldest dd at college all day, so I am not sure if I will get anymore than that done, but at least it will be my 30 mins. I will try to get an...
  16. General Chat
    Today Josh comes home from Driver's Ed and shows me a huge "goose egg" on his forehead. He proudly told me that he got it playing a pick up game of basketball after class this morning with a kid who was "really agressive". :yikes: Of course Josh thinks it's "cool" but this Mom is tired of her...
  17. Religion
    He is the First and Last, the Beginning and the End! He is the keeper of Creation and the Creator of all! He is the Architect of the universe and the Manager of all times. He always was, He always is, and He always will be... Unmoved, Unchanged, Undefeated, and never Undone! He was bruised...
  18. Health challenges
    I got a couple of 1L bottles from the grocery store (the rubbermaid sip one with the straw). they were on for 2 for $1. got 2. I have been drinking steadily. today is the start of the new me! no more junky snacking. I've got a lot of carrots and veggies to munch. oatmeal is ready and waiting...
  19. Health and beauty
    This morning I got up like usual with my dh. I get his lunch together and everything to send him off to work. I resisted that urge to crawl back into my nice warm cozy bed and escape the -32 weather. I made my bed (a GREAT way to not get back in!) and did my yoga video. I feel great! Had a...
  20. Religion
    Christian Prayer for A New Beginning By Mark My Lord and Savior, the love and joy of my life, thank you! Thank you for giving me a new chance and a new life every time I come to your home and confess. Thank you for letting me partake in your holy flesh and blood. During this year about to end...
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