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  1. Debt Reduction & Money Management
    So here's my story. My husband and I have 2 little girls (4 and 1) with a new one on the way in September. We have always rented apartments while we try and save for a down payment for a home. Well we have finaly looked into home loans and we have been pre-approved for a USDA home loan - which...
  2. Debt Reduction & Money Management
    I found this useful: Early tax filers wait for refunds as the IRS fights ID theft | www.clarkhoward.com
  3. Money challenges
    So I have been away from the village for a while (hang my head in shame) and I know I need to tighten my belt and be extra frugal in 2012 so I have decided to start my new years challenges now. Challenges I am starting right now are: Change Jar Quarters To Debt Penny Jar Electric Bill Grociery...
  4. Christmas
    this site has early peeks at BF ads Black Friday Ads - The Official Black Friday 2011 Website for Black Friday Deals!
  5. Debt Reduction & Money Management
    .. I have been making our 2012 budget and it's not looking good but as they say - forewarned is forearmed. Per Jan 1st our health insurance premium is going up and our yearly deductible will be going up plus there will be some more stuff that will not be insured and have to paid out of pocket...
  6. Support
    We are facing a hard situation. My pregnancy has hit a bump in the road that cannot be overcome. We went in for our 20 week ultrasound to find out how baby was doing and what the gender was. Unfortunately, the answers were "Not good" and "couldn't tell." The kidneys were what they called...
  7. General Chat
    phone calls with "mom don't be worried but I'm in ER" Right not gonna happen.... of course I'm going to worry. What do they think mothers do best. My son is in ER he has a really bad flair-up with the gallbladder. I have the baby. He left the 2 older ones at home so they can go to school. Chris...
  8. Halloween
    Looking for idea's to make my Florida Halloween more like a nice cold up north halloween.............. Idea's besides Pumpkin ( can't carve they go bad REALLY QUICK) and candy....... I need some CHEAP decorating idea's and some smells to fill the house! I MISS that NICE RELAXED FEELING!!!
  9. Homesteading and gardening
    14 May 2011 Garden 14 May 2011 Garden Pictures of the garden. It has been a wet Spring, and relatively cool. It is raining today. It should be observed that planting is early for Zone 5, and this is acceptable providing there is adequate drainage, during a wet Spring. Ground temperature at...
  10. Dave Ramsey
    I came across this forum while googling for money mangement forums, and was both impressed and inspired by the posts that I read. I don't really have any debt, I just don't have any money. I earn a fairly decent income and am single, so I have recently started thinking about saving money. My...
  11. General Chat
    I've been taking advantage of all the savings wherever possible to buy gifts this year. I've been getting % off, $10.00 off etc to buy Christmas gifts this year and its working out pretty well. I've manged to get some nicer gifts this way. Just picked up another at our Tractor Supply. I had got...
  12. Debt Reduction & Money Management
    A recent thread about a mother destroying a credit card offer sent to her 18 yr old child got me thinking, and I wanted to share a cautionary tale to all the parents out there who are sheltering their children from choices that sooner, or later, they will have to face. The cautionary tale is...
  13. Freebies
    Declare your Early Times Man Day – get an Official Early Times Man Day T-Shirt Men aren’t big on instructions, but if you want an official Early Times Man Day T-shirt (while supplies last*), you’ll have to follow a couple very simple ones. First, tell us a little about yourself by completing...
  14. General Chat
    But I couldn't wait any longer!!! I am making my first batch of chili today....yesterday, I got out my fall decorations and lights, and all my fall scented candles.!!!! I am so sick of hot weather and yesterday it was about 77 degrees!! PERFECT!!! This always happens to me though...once it is...
  15. Christmas
    ok i gotta dh who's got it all, likes electronics & i've made pillows, blankets & scarves in the past.... knitting/crochet or sewing... even plastic canvas or other easy crafts desired!!! :) i also gotta 17 y/o dss who's got it all too... he isnt into sports, likes video games, his guitar, his...
  16. Debt Reduction & Money Management
    We finally received our tax return check yesterday $10K! Woo Hoo! The plan is to pay off the balance of our unsecured construction loan of $3809, and pay off the tractor through Lowes $2672.00. The balance will go to a new dehumidfier for the basement and funding the emergency fund. We...
  17. Dave Ramsey
    Other than 2 mortgages I'm debt free. I have 2 properties, each with a single mortgage on it. Property 1 (rental property): 30 year fixed, balance of $191k @ 5.25% valued at $295k. (25 years remaining) Property 2 (primary residence): 30 year fixed, balance of $319k @ 4.875% valued at $350k...
  18. Money challenges
    I am a 23 year old stay at home mom but my husband is 29 year old and as a full time job. We would my husband to retire early about 50 maybe earlier if that's even possible. Now I know that one of the smartest things to do would be to get dept free and start really getting serious about saving...
  19. General Chat
    We are snowed in and cant get started on our demo projects this weekend,lol! We are planning on turning a large bedroom into two smaller ones since my sister is living with us. We had decided that we would use some of our tax refund for this project. Dh and I do all the work ourselves so its...
  20. General Chat
    but we're heading to my inlaws as soon as we can today. It's a 3 hour trip, so we're doing everything now to be out of here by 1:30.... which is in three hours. So I wanted to wish The Village and all of its inhabitants a Happy Holidays and be safe! :)
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