Today begins the Carnival of Homeschooling for another week. This week's carnival is being hosted by Dana. There is a plethora of articles and blogs to visit. Here is the link:
http://gottsegnet.blogspot.com/2006/09/taking-flight-week-37-of-carnival-of.html
Today also begins our family's school for the year, here in our New Town in Baltimore. (Yes, it is a play on words, as the section of our town is called New Town.) One nice thing about homeschooling is the stability. Even though it meets with obstacles along the way; still, there it is, the same students and teacher, whether in California or Ohio or Kentucky or Maryland.
This week I have "stumbled upon" three great books that I want to recommend:
Debt-Proof Your Marriage by Mary Hunt (for those who are not married, there is Debt-Proof Living). Put into practice, these principles will save you (financially, that is).
Home Sweet Home-School by Sue Maakestad. This is one homeschooling book that inspires, without being "preachy"!
Created for Work by Bob Schulz -- I received this one free with a book order for Teaching Textbooks (math) from Timberdoodle. I haven't finished reading Created for Work yet but what I've read of it looks very reader-friendly for our young men. Inspiration and instruction for boys about the value of work, maintenance, overcoming difficulties, and so on. Timberdoodle's website address is:
http://www.timberdoodle.com
And now...to school! God bless you all.
Margaret Mary
Tuesday, September 12, 2006
Tuesday, August 29, 2006
Our House in KY is Sold
As I write, the signing is taking place. Wow, sounds sort of like the Declaration of Independence or something. And I guess that's what it is: independence from paying mortgage and rent, and two sets of utilities. Today someone else takes over "our house". It's bittersweet. It's the final good-bye. However, I'm going to concentrate on the "sweet" part for now!
Thank you to everyone who has been praying for us.
We have our trilogy now: Ed got his good job as an actuary in Baltimore. We got our nice apartment in a nice quiet area northwest of Baltimore. And the house in Kentucky is sold and out of our care.
Life goes on in new ways...and God is good.
Thank you to everyone who has been praying for us.
We have our trilogy now: Ed got his good job as an actuary in Baltimore. We got our nice apartment in a nice quiet area northwest of Baltimore. And the house in Kentucky is sold and out of our care.
Life goes on in new ways...and God is good.
Thursday, August 10, 2006
Dealing with the Wolves
I just read an interesting article about people losing their homes...no, not to flooding and etc., but to debt. Well, okay, I guess interesting isn't the only word. It was a little depressing too. But I think there is much to be learned.
One couple, the story told, lost their home after they had a $300 cell phone bill. Apparently the cell phone company told them they would take legal action if they didn't pay it, and in paying it, they were unable to pay their mortgage. Hmm, first of all, I wonder if that was just a part of the story. Just an interesting tidbit for the feature story, maybe? Because one missed mortgage payment doesn't mean foreclosure, does it? I'm not an expert on that, so I'm not sure, but I do know something about credit in general. And I don't get my knowledge from booklearning. Well, maybe some of that, too, and I have two books to recommend.
I highly recommend Mary Hunt's Debtproof Living. I also recommend an easy read called Escape to Prosperity by Wes Beavis. I don't know if the latter is still in print, but books are so accessible today, what with Amazon, eBay, library sales, etc.
Back to the couple who lost their home because of a cell phone bill. I don't know the circumstances, and maybe their cell phone company really wanted all the money now or else. But usually creditors can be worked with. The threat of legal action is not always as imminent as they would like you to believe.
So, what do you do if the wolf is at the door (or more likely, on the phone)?If you have debt and find yourself in a position that you can't pay in full, there are three keys I'd like to offer: 1) The mortgage or rent comes first. 2) Stay in communication with the companies to whom money is owed. 3) Pay them something, even if you can't pay in full. Sometimes I have offered to pay a lot less than the minimum, and they say, "If you could pay such and such (a little higher than my offer), we could keep you out of collection for this month." I really don't know if this is just their magic number or if they take my number and ask me to stretch. I'm thinking that perhaps offering a number slightly below what you feel you can afford might be a good idea, so you have room for the stretch.
And by the way, staying out of "collection" is a very nice thing! Worth a lot of sacrifice, etc. But in some cases, (if it's not a credit card company, but some other type of debt) even while in collection, you can sometimes still deal with the original company, if you wish.
Of course, one can't go on forever paying less than the minimums. You have to explain your reason and it needs to be sincere. And if I pay less than the minimums on a credit card, it does affect my credit rating and cause late fees to be attached. It is only a temporary "solution".
If serious debt ever has you by the collar, I highly recommend a meeting with a trained counselor from Consumer Credit Counseling Services. Please don't just do a search for credit counseling services, though. Many of these are simply a way of getting you further into the hole so that whoever is "helping" you can make money. Who you would want to see is someone accredited by the nonprofit National Foundation for Credit Counseling. They can help with budgeting, and if you're ever in over your head, they can often arrange for the credit card companies to allow you a payment plan that you can handle.
Of course, my personal opinion is that the best preparation is prevention. If we can budget our needs, buy only what we have the money for today, and build a contingency fund, we can avoid a lot of debt, especially a lot of unnecessary credit card debt. And if you do have credit card debt that you can handle, by all means, I suggest you consistently pay more than the minimums and get that baby paid off. Then either cancel it or use it only for convenience, paying off the balance each month. Ah, what a world THAT would be! (smile).
One couple, the story told, lost their home after they had a $300 cell phone bill. Apparently the cell phone company told them they would take legal action if they didn't pay it, and in paying it, they were unable to pay their mortgage. Hmm, first of all, I wonder if that was just a part of the story. Just an interesting tidbit for the feature story, maybe? Because one missed mortgage payment doesn't mean foreclosure, does it? I'm not an expert on that, so I'm not sure, but I do know something about credit in general. And I don't get my knowledge from booklearning. Well, maybe some of that, too, and I have two books to recommend.
I highly recommend Mary Hunt's Debtproof Living. I also recommend an easy read called Escape to Prosperity by Wes Beavis. I don't know if the latter is still in print, but books are so accessible today, what with Amazon, eBay, library sales, etc.
Back to the couple who lost their home because of a cell phone bill. I don't know the circumstances, and maybe their cell phone company really wanted all the money now or else. But usually creditors can be worked with. The threat of legal action is not always as imminent as they would like you to believe.
So, what do you do if the wolf is at the door (or more likely, on the phone)?If you have debt and find yourself in a position that you can't pay in full, there are three keys I'd like to offer: 1) The mortgage or rent comes first. 2) Stay in communication with the companies to whom money is owed. 3) Pay them something, even if you can't pay in full. Sometimes I have offered to pay a lot less than the minimum, and they say, "If you could pay such and such (a little higher than my offer), we could keep you out of collection for this month." I really don't know if this is just their magic number or if they take my number and ask me to stretch. I'm thinking that perhaps offering a number slightly below what you feel you can afford might be a good idea, so you have room for the stretch.
And by the way, staying out of "collection" is a very nice thing! Worth a lot of sacrifice, etc. But in some cases, (if it's not a credit card company, but some other type of debt) even while in collection, you can sometimes still deal with the original company, if you wish.
Of course, one can't go on forever paying less than the minimums. You have to explain your reason and it needs to be sincere. And if I pay less than the minimums on a credit card, it does affect my credit rating and cause late fees to be attached. It is only a temporary "solution".
If serious debt ever has you by the collar, I highly recommend a meeting with a trained counselor from Consumer Credit Counseling Services. Please don't just do a search for credit counseling services, though. Many of these are simply a way of getting you further into the hole so that whoever is "helping" you can make money. Who you would want to see is someone accredited by the nonprofit National Foundation for Credit Counseling. They can help with budgeting, and if you're ever in over your head, they can often arrange for the credit card companies to allow you a payment plan that you can handle.
Of course, my personal opinion is that the best preparation is prevention. If we can budget our needs, buy only what we have the money for today, and build a contingency fund, we can avoid a lot of debt, especially a lot of unnecessary credit card debt. And if you do have credit card debt that you can handle, by all means, I suggest you consistently pay more than the minimums and get that baby paid off. Then either cancel it or use it only for convenience, paying off the balance each month. Ah, what a world THAT would be! (smile).
Tuesday, July 18, 2006
The Oasis
Hello everyone,
I seem to post here when I am "in the mood", and at the moment I am not feeling in the mood for writing. However, I said I would post back when we had a permanent place...so here I am. We will just call this one an announcement.
Yes, the happy news is that we have our apartment; sealed, signed, and almost delivered. It is a nice three bedroom apartment with a balcony, a washer and dryer in the unit, and a gleaming white kitchen (I would have taken any color, all other things being equal, but I had dreamed of white). We will have a pool and a fitness room at our disposal, and the boys can walk to the store. It's in a nice area in northwestern Baltimore County.
Thank you, God. God is good. All the time.
Thank you, everyone, for your prayers.
I seem to post here when I am "in the mood", and at the moment I am not feeling in the mood for writing. However, I said I would post back when we had a permanent place...so here I am. We will just call this one an announcement.
Yes, the happy news is that we have our apartment; sealed, signed, and almost delivered. It is a nice three bedroom apartment with a balcony, a washer and dryer in the unit, and a gleaming white kitchen (I would have taken any color, all other things being equal, but I had dreamed of white). We will have a pool and a fitness room at our disposal, and the boys can walk to the store. It's in a nice area in northwestern Baltimore County.
Thank you, God. God is good. All the time.
Thank you, everyone, for your prayers.
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