Station: Fox Business
Time: 8pm, both nights
Event: According to the show that aired 4/25, the episode May 1st will be on Dave Ramsey’s “babysteps”.




I realize that my recent negative experience with a credit card company is non-unique; I am constantly reading on how individuals are being taken advantage of by the powerful mograls of credit.

My experience is with Macy. My husband & I made a recent commitment to pay it off, since we owe the least on it. Recently, we began to get many phone calls from Macy’s, claiming a $25 past-due fee. Each time that the credit card company has called, it is always JUST before the next billing cyle. Not wanting to contest, my husband sent off the $25 last month. Guess what? 3 days before this billing cycle, I received yet ANOTHER call, claiming ANOTHER $25 past-due fee. That has pushed my buttons!!

My solution? My husband & I are going to take whatever means necessary to pay it off by the end of the year, and cancel the card.

I’m curious.. Are we the only ones that MACY’s has polished out of $25 a month, month after month??

(Last week’s Faith Based Friday was actually the beginning of a mini-series of Faith Based Friday. This is part two of 5)

I have sinned:For ALL have sinned, and Come Short of the Glory of GOD.” (Romans 3:23) Any mistake, and slight grain of anger is sin counted against me, and against you. Have you ever put more importance on something or someone than you have on your relationship with GOD? Then, that is sin. In our best of best attempts, we have all messed up somewhere along the way. We have come short. Our righteousness next to the righteousness of GOD – we will come short. ( “But we are all as an unclean thing, and all our righteousnesses are as filthy rags” ~Isaiah 64:6) We have come short in the past, and come short now, and will continue to. But there is hope.. HIS name is CHRIST JESUS.

As is usual here in the Appalachian mountains, we are experiencing bursts of hot days and occasional cold spells. During these little warm spells, I have been getting my two lil fellows out in our yard.

The sun and fresh air is very good for my little ones (& chubby me), health wise. It is also a wonderful oppertunity to cash in on the frugal fun a warm day can bring.
Best of all, just with a ball:

  1. baseball w/a stick
  2. soccer
  3. dodgeball
  4. Gameskidsplay has a list of many games that use a ball
  5. PBSkids has a list of many games to play with your kids, not just with a ball.

Fun, frugal.. good for me & my kids.. and a priceless way to build a tiny block of positive memories in the lives of my kids.

Reverse Snowflaking

April 21, 2008

What it is: Reverse snowflaking is essentially making irresponsible purchases.

How it works: You walk into the store to buy bread. You come out with 3 magazines, a bag of candy, and your bread. In short, it is undisciplined spending.

The effects: Little purchases add up, quickly. A little one day can quickly turn into spending $100 a week! In essence, Reverse snowflaking depleets any money you could have saved toward a more responsible (and well needed) expense.

How to prevent it:

  1. Make a store list & stick to it
  2. Eliminate unnecessary purchases
  3. Question the necessity of every purchase
  4. Allow room for special treats – but put a budget on yourself

Read up on Snowflaking!

How I started Snowflaking by PaidTwice

Snowflake your way to a better self by Remodeling This Life

10 Can’t Miss Ways to Kickstart Snowflaking by I’ve Paid for This Twice Already