Always Thinking About Credit Repair

I swear so many people have bad credit, really! There are those awesome people who were born with the skills to completely do well financially as well as somehow run a budget. I, myself, wasn’t taught well with budgeting but as I have grown older I have learned how to create a great budget and utilize it to better keep on track with bills.

The Credit People are just one of the many credit repair service companies I have seen around. I don’t understand how to fully repair your credit, the only thing that comes to mind to me is to pay it all off. Easier said than done probably with most. I know that when I turned 18 years old I maxed out about three credit cards because I thought it was cool to have them. It took me three plus years to pay those babies off and now they are still showing for I think about another year as a negative impact on my credit.

One thing I plan to do is teach my children how to budget better through example, teach them about money and bills so that in the future they hopefully will learn how to handle money well.  I think that if we start teaching our children at a young age then they will not have to be like so many others and look for ways to Repair Your Bad Credit.

I personally can not wait to get my budget sheet printed out and start showing my oldest a little bit about how we plan with bills. I may do an example one so that she doesn’t get involved in the adult part of our life, basically set one up as a sample and have her practice with maybe pretend dinner costs, and such! Do you plan to teach your children about money at an early age, or do you already teach them basic budgeting skills?

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Some Great Gift Ideas

Sitting around I realized that Christmas is just around the corner and so my mind is starting to wonder what would make good Christmas gifts for the family?

I know that some of my family enjoys a good glass of wine here and there and so why not get them something like jk adams wine rack so that they can store their wine bottles in style?! Wine is something I have not had much experience with but I am starting to learn more about wine so that I can enjoy more than just my father’s elderberry wine.

Another great gift idea is a jk adams spice rack which is something I know I would love. At the moment all of my spices are sitting in a cupboard, with the few I use the most sitting up on the stove area for easy access. With a spice rack, something I have always wanted to own, I would be able to better organize and utilize my many spices while cooking with my daughter.

Last but certainly not least I was thinking that a good cutting board would double as a great gift that would be able to be used on Christmas day during dinner time! Something like the jk adams cutting board looks nice! I am horrible about using cutting boards myself, usually end up using a plate to cut things on which isn’t as easy to use as a cutting board.

There you have it, some Christmas gift ideas for your loved ones. So what have you been thinking about getting some of your family this holiday season?

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Mama Needs To Rejuvenate

Sleeping, male baby cat. Red hair.

Image via Wikipedia

I already have trouble with my sons sleeping, although I will openly admit that my son AJ is getting a little bit better about sleep. AJ is now at the point where he is fine going upstairs to sleep and pretty much sleeps away most of the night. I do get a nightly visitor a few times a week which means AJ has snuck into bed with Mama and Daddy but that’s okay by me … for now.

Baby K turned two in August and started developing similar sleep issues, not exactly the same but similar to AJ. Is this a boy thing I am finding myself wonder? My daughter never was like this, but I think back … I was a single Mom, I worked 30 plus hours a week, she slept with me in my bed nightly, we went to sleep at the same time and woke up at the same time, we were always together. My sons have a different life, Mama stays home, works from home and Daddy leaves house to work. My sons have both their parents in the home and of course now there is three children, not just the one as it was with my daughter for about four years.

Do all of the circumstances play into why my sons give me such a hard time with sleeping? I don’t know, but the other night when my daughter came downstairs not once, not twice but four times to inform me that she couldn’t sleep … I was irritated! I was just plain annoyed. You see I LOVE being a Mom, yes I DO, but come about 8 or 9pm on a weeknight I better be having MY time. I don’t care if I am reading a book, working, writing a blog post, whatever, it is now MAMA’S time! I am selfish in that way I guess you might say, I figure by 9pm on a weeknight my children best be sleeping, is that too much to ask for? Of course if they are sick, teething or something out of the ordinary then this waking up and needing Mama does not bother me at all, I am not cold hearted!

I think that the few gray hairs I have at the moment are going to turn into a full head of grays before my 30th birthday. I often wonder if I worked outside of the home could I even handle the hours? I doubt I could, why? Because my children DO NOT sleep well, EVER. If it’s not one, it’s the other and if it’s not the other, it’s the other one. I have tried every remedy you can think of to get my sons to sleep good, but nothing is helping, even AJ still has his issues. I have been told to give Children’s Benadryl, AJ is on meds for sleep which don’t do a thing different than when he was on melatonin – calm him to relax before bed, but he still doesn’t sleep consistently through the night.

I am realistic but I am also a woman who knows what she needs to be able to rejuvenate in order to be a good Mom the next day … let’s just say I am not able to rejuvenate. In the upcoming weeks I will be taking one night away, whether it be with girlfriends or my sister, I will be taking one night away from my home and sleeping somewhere whether it be a hotel, motel whatever, it’s me alone or with girlfriends out for a whole night while my daughter is at her father’s house and my sons are with their Dad because this Mama needs to rejuvenate her mind, body and soul!

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The Santa Cause from Santa Paws

“Someone once told me that the spirit of Christmas is embodied in the hearts of children, untouched as of yet by the doubts, fears and disappointments of the adult world.”

–Santa Claus in “The Search for Santa Paws”

Whether you’re nine or ninety-nine, Santa Claus likely still holds a special place in your heart. Maybe you remember sitting on his knee at your local mall as a child or writing—and re-writing—him a letter asking for a dollhouse or red wagon. Many of us remember staying up past midnight in hopes of catching a glimpse of him as he came down your chimney.

As parents, we pass down the stories and traditions of Santa Claus. Even if we can’t think of a logical explanation as to how he visits every home on one night or why there are so many Santa look-alikes all around town each December, it is important that we support the true meaning of Christmas and the Santa Cause. Kids ask us tough questions all the time, and this one, like many others, is one that doesn’t come with a clear-cut answer. The simplest thing is to tell your children to have faith and to just believe. Children love magic, so if you just explain that Santa is magical, that should hopefully help them understand the underlying spirit of Christmas.

Santa Claus is a wonderful tradition, and establishing traditions in your family that get passed down from generation to generation—such as baking cookies for Santa and his elves each Christmas Eve or leaving carrots out for his reindeer—helps create a bond between you and your children. It also makes the holiday more meaningful, memorable and fun for kids, who otherwise might complain about wearing a coat and tie to Christmas Eve dinner at grandma’s. So despite the fact that logic may tell you otherwise, make a point of teaching your children about Santa Claus, his 8 tiny reindeer, his sleigh, his workshop and of course, his best friend, Paws.

Oh yes this has been shared with you because The Search For Santa Paws is going to be available on November 23rd and I have my hands on a copy! I have watched it not once, not twice but three plus times now with my children! I can not wait to share our thoughts about this fantastic movie! I am a Christmas movie fanatic and glad The Search for Santa Paws has been added to my family’s collection of DVD’s.

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