I have economized and it has paid off sm

Just paid $1.67 here near Richmond, VA- sm [2008-11-22]
we are about 45 minutes east of Richmond, and have 5 gas stations within 6 miles of each other, and one recently reopened after being closed for over a year (was just doing car repairs, closed the pumps) and has been undercutting all the competition. The other stations are at $1.77 or higher.

Help is a safety net you have paid for sm [2008-11-21]
Food stamps are a safety net we all pay for, all forms of public assistance are things we have been paying for all along. TAKE the help you need! Do move closer to family if you possibly can. I have been in your shoes myself. I lost my home to foreclosure 4 years ago because of having a near-fatal drug interaction and losing my job of nearly 7 years. I made a couple of moves and finally ended up in a small town out of state from where I had lived for 30 years. I lived with a close friend for about 9 months and had the opportunity to buy a mobile home for $3000. The people I bought it from said I could make payments and I was able to pay it off in 5 months. It needed a lot of work and it has gotten it, most of which I have done myself. This project really helped me to regain parts of myself I had lost. It gave me a reason to get up and get going on my days off. I turned this ugly old thing into a lovely, comfortable home I cherish. I have lost about 50-60 lbs since living here and I have brought the idea of vastly cutting expenses in line with making more money. The end result is that I am very well off financially, better than in my entire life. DO get medication to help you if you can. I didn't have medication to help because I am allergic to every psychotropic in existence. I did this by pulling myself up by the boot straps, but if I could have had help, I would have. There IS a brighter future out there. You CAN have that brighter future because you DESERVE IT. That said, no one expects you to get there alone!!! Don't be embarrassed to ask and receive help. You will be able to help others later. Years ago, when my kids were young, I was a single parent, no support and it was Christmas time. My kids didn't even have adequate clothing or food. A neighbor I hardly knew handed me a Christmas card. Inside was a $100 gift card to K-Mart. She said that many years before that, she had been in my shoes and someone had given her $100 one Christmas, she was now paying this forward to me. The only provision was that I return this favor when I could, and that I bought something for myself too because I deserve nice things for my hard work. It was a turning point for me. I have been more of a giver since. Although I could have paid this back last year, I didn't know anyone who would appropriately benefit. This year, I do and I had to tell her that I was going to do this and why. She cried and felt embarrassed because, she said, she was usually in the position to give and it hurt a little to receive. I reminded her that she was GIVING me the gift of giving with pleasure. Others are going to give to you with pleasure, love, friendship and concern for your well being. TAKE IT. One day you'll post back here about how good things are and I'll want to hear it.

We have grown children and paid up condo. SM [2008-11-13]
I think about advice I would give others. Getting any part-time job I could, delivering papers, selling Avon (people still buy Avon), renting room out in house. If elderly people near you, offer transportation or shopping service. One thing is, no matter what, no one should just sit around waiting for another job, be they male or female.

I paid [2008-10-31]
the month thing so I can go on-line and that is helping me to keep with it and not get discouraged too. I figure it is a healthy way to eat and I paid so I may as well give it a month. I had foot surgery and have just been able to start walking with little to no pain now so that may help too. Thanks again!

DH paid off credit card. Now I'm paying him back. No [2008-10-22]
nm

You know I would have paid the friend SM [2008-09-01]
even though it would be a hardship. But after his last comment about don I said thanks, but no thanks...

I have economized and it has paid off sm [2008-05-13]
I live in a mobile home I bought excessively used. It is fully paid for. My car is 1996 and while it has 123K for mileage, it is still running just fine and I am told will go to 200K. It is paid for. I own a lovely piano, paid for. Clothing I either make or buy on the sale tables from Walmart. I especially like that most of my tops only cost me $3 or $5. I take good care of my clothing and much of it I have had for several years. Since I have chosen carefully I like what I have. Same for shoes. Same for what little costume jewelry I have. Same for my budget bedding. I buy household stuff second hand because I like certain tacky nick nacks from the 1950s. I even shop for the lowest prices at second hand shops. Now, I have not had a vacation in 13 years, it is true. I am just now getting used to having to take 2 full days off every week and managing those 2 days without sitting down to work is hard. I do, however, have a lovely home and no debt. I only work one job and I do pretty well ($40K a year). I am able to have enough taxes withheld not to worry about it. I have insurance too. After that, I can pay my bills and I manage to put back about $500 to $700 a month, depending on my line counts. I have no idea what I am saving for right now, but it feels good to watch the numbers climb. I literally put every fourth paycheck in the savings account. I DO eat what I want when I want. I have also stock piled canned foods because of food prices. I buy lost leaders at the grocery store for the most part. If it has a store special tag on it, I am going to choose it over something else. I am at a point where I don There is no place close I I am an avid sale and clearance shopper, and while I am not longer at the point in my life where this is a necessity, it is so ingrained (did I spell that right?) that I can Some people may get off on buying an expensive item, but I get my thrills out of seeing how little I can spend to get what I want. Example is a flat pack entertainment center I wanted. Original price was $120 and I got it for $32. Nothing wrong with it and it was easy to put together, just clearing out for new styles. I had wanted one for a year before I bought this one, but found that price and jumped on it with great joy. Since I know perfectly well that working harder and longer is not really an option, I chose to cut my spending and now I am really happy.

Maybe someone else paid the bill for you. [2008-04-24]
no msg

Of course he should help and he paid child support because they are his kids (nm) [2008-04-03]
x

Paid bills [2008-03-15]
Paid bills and planned with DH about how we can make more money so we can do more than just pay bills. Watched a scary movie tonight. Tomorrow it will be work and some household chores. Gosh what an exciting life! Iexist.

Betcha' she's gettin' PAID . (nm) [2008-03-14]

thought you said you offered to or paid for your children's [2008-02-14]
if you had that kind of money, that does not seem to meet welfare criteria to me.

well of course they have paid for it in other ways. [2008-01-26]
for the poor. That's a just society. I would gladly pay $6 a gallon for gas if my health care were free and my children were going to college for free. That would be a bargain!

Paid $60,000 on principal last year and this year [2008-01-05]
planning on another $30,000 after my taxes paid for the year. We are getting our house paid down very quickly.

Huh. Paid for chores. Watta country! [2007-12-11]
Ha!

paid help [2007-12-01]
I am so blessed. My mom comes in once a week and does my bathrooms, kitchen/utility floors, vacuums, dusts. Has been doing this for years. I think if you can get someone for $15.00/hr. go for it. Mom only charges $10.00 an hour for her paying customers. Refuses to take money from me. Good luck!

For those of you who have paid help with the house .. [2007-11-30]
What I am wanting from someone is an hour each morning (M-F) to do:1) Make 2 beds (changing sheets 2 times a week)2) Vacuum 1000 sqft (with about 300 of it not carpet - sweep)3) Unload dishes from dishwasher/load any dirty ones4) Swish the toilet down and wipe down the bathroom sink/mirror5) Drop any trash at the trash bin as they leave My questions:1) Do you think this is reasonable to be done in an hour? 2) I am thinking of offering $15 an hour...Too much? Too little? Thanks

I paid $65 to fill mine yesterday, too. And it wasn't - sm [2007-11-19]
empty, it was 3/4 full! I paid $3.81/gallon. :( I wish I hadn't promised my mom I'd come to Thanksgiving dinner (in Los Angeles)... I'll be paying off that trip on my gasoline credit card 'til well after New Year's. I wish I'd taken 2 weeks off work so I could RIDE MY BIKE down there, instead.........

Gas card? Lottery tickets? Paid magazine [2007-11-18]
s

mine always paid their own insurance [2007-10-05]
so they can understand what happens to the rates!

I just paid $4.50 for a gallon of generic brand in Wyoming, nm [2007-08-16]
xx

My X never paid a dime - he still had his "rights." (sm) [2007-06-18]
You seem to be so afraid that you will lose all your rights. Why would you think this? I can If you can They helped me immensely when my X refused to return kids after a visit.

We paid capital gains on a rental house sm [2007-06-15]
that we sold about 8 years ago. It was approximately 23% (I think-it may have been about 20%). From the way I understood it, capital gains was based on our adjusted gross income and you pay the taxes on the profits not the whole amount. When we got paid for the house, I kept back 30% and it covered the fed and state taxes. We wound up paying about 5,000.00 between the two. Hope this helps. I'm not an accountant either, just know from experience. The IRS website has really good information there.

To restore credit, get a card that is pre-paid and use that [2007-05-23]
s

paid [2007-04-26]
Do you actually know how much he gets paid? Yes, great that he won 10 g's. My MIL is a teacher and she gets paid great. No underpaying there at all. It all depends where you work. Sometimes i question she is teaching our children the future?????

Help is a safety net you have paid for sm [2008-11-21]
Food stamps are a safety net we all pay for, all forms of public assistance are things we have been paying for all along. TAKE the help you need! Do move closer to family if you possibly can. I have been in your shoes myself. I lost my home to foreclosure 4 years ago because of having a near-fatal drug interaction and losing my job of nearly 7 years. I made a couple of moves and finally ended up in a small town out of state from where I had lived for 30 years. I lived with a close friend for about 9 months and had the opportunity to buy a mobile home for $3000. The people I bought it from said I could make payments and I was able to pay it off in 5 months. It needed a lot of work and it has gotten it, most of which I have done myself. This project really helped me to regain parts of myself I had lost. It gave me a reason to get up and get going on my days off. I turned this ugly old thing into a lovely, comfortable home I cherish. I have lost about 50-60 lbs since living here and I have brought the idea of vastly cutting expenses in line with making more money. The end result is that I am very well off financially, better than in my entire life. DO get medication to help you if you can. I didn't have medication to help because I am allergic to every psychotropic in existence. I did this by pulling myself up by the boot straps, but if I could have had help, I would have. There IS a brighter future out there. You CAN have that brighter future because you DESERVE IT. That said, no one expects you to get there alone!!! Don't be embarrassed to ask and receive help. You will be able to help others later. Years ago, when my kids were young, I was a single parent, no support and it was Christmas time. My kids didn't even have adequate clothing or food. A neighbor I hardly knew handed me a Christmas card. Inside was a $100 gift card to K-Mart. She said that many years before that, she had been in my shoes and someone had given her $100 one Christmas, she was now paying this forward to me. The only provision was that I return this favor when I could, and that I bought something for myself too because I deserve nice things for my hard work. It was a turning point for me. I have been more of a giver since. Although I could have paid this back last year, I didn't know anyone who would appropriately benefit. This year, I do and I had to tell her that I was going to do this and why. She cried and felt embarrassed because, she said, she was usually in the position to give and it hurt a little to receive. I reminded her that she was GIVING me the gift of giving with pleasure. Others are going to give to you with pleasure, love, friendship and concern for your well being. TAKE IT. One day you'll post back here about how good things are and I'll want to hear it.

Here's my problem....sm [2008-11-21]
My dad is irresponsible and is in financial debt and doom. There is no way he can make the money to pay the bills he has accumulated. He has borrowed money he shouldnt have. Well the situation is... He has been knowing if he didn He refused to pay it. Every time he would get acheck he wouldn Well he kept not paying it for 2 months. Well yesterday they turned them out. It is freezing here. It is going to be in the 20s tonight. He said I don Well he was told and told to pay it and wouldn So now what does he do? As soon as he gets off work he comes to my house cause he don I can So I can He also said he had no money for food because he had to use it all for diesal for his dump truck. So I offered him food too. He also rumages through my cabinets for snacks. I feel like I am the parent and he is the child. My husband drives a big truck and he has been gone. When I tell him what is going on he gets aggravated because he is sitting at our house and all. He said he is a grown man and needs to step up and take care of himself but he is my dad and I can My husband will be home either late tonight or first thing in the morning and this is not going to go over too well with him. I am at a loss.

there is a parallel universe! [2008-11-20]
Depressed is the right word for what he feels, so you can shut your mouth right now. This is all about guilt. I am a step-mom too and I swear you are telling my story down to the glasses! I would love to tell you that you are in this together and partners, etc., but the truth is my husband did not come around until he got a good job, a really good job that had status and paid a lot of money, and he had to do that all on his own. I let him buy expensive clothes, because for some reason, every time he got a raise it co-incided with buying a nicer suit or tie, so you can help him there. All the nightmarish gift exchanges, arguments about buying lotto tickets, not eating out, step-kids, all the horrific details and arguments just came down to him deciding to step up. Then it all just went away, the depression, the lotto tickets, and the give away the farm stuff too. Good luck to you! Don't give up on him!

I've been there [2008-11-20]
I have been in your shoes. Last year my husband died unexpectedly at age 56, I literally woke up one morning and he was dead in our bed next to me (aneurysm). That started a downhill spiral . . . . since then I I canhow depressed III am working now and starting to pull myself up out of the dark hole I've been in. The poster above is right. You need to see a doctor. I found out that most major health systems have programs for those of us with no insurance and no money. Call their financial offices and just tell them point blank you need to be seen and you have no insurance. They will not refuse you. I found a clinic near my house that is part of a largehospital. I was able to see a doctor for a physicalandget my annual Pap and mammogram done at no charge. They gave me samples of my medications (I have asthma) for a few months until I had insurance again. They prescribed an antidepressant which worked wonders and they gave me that as samples each month. Move closer to your family. You My family has been supportive of all the decisions I Spend time with yourgrandchild, kids can make you feel so much better.If you I did. I didn Forjust myselfI was given 174.00 a month for food and it helped outtremendously. I know it You may be hesitant to take free medical care or ask for food benefits, but remember THIS IS ONLY TEMPORARY and you will get back on your feet. It may take a while, but you will make it. Good luck to you.

Deenibeeni, you are right on sm [2008-11-19]
and the question is...why do you have creditors that have to be paid before you can eat? Is it his high spending habits that got you into this mess? He is starving you because why...you don't make the same money he does??? Toro poo poo! Email me...we'll find you a better job at the very least. We need to talk and I won't harp on you, I only want to help. I'll pay for the call if you send the number and tell me when you are safe to talk.

You are both so kind, and you are right [2008-11-19]
on the mark. Yes, the credit cards are his. He lived off credit cards for several years to support himself and his kids after he and his wife split up. His wife never paid child support and he paid for daycare and everything, so had to pay for extras outside of his salary on credit. Then when I came along I was doing real well as a hospital MT, but had to quit because I was here and he needed me to watch the kids. He did not understand I had a shift like a regular job. So, after several months of my back and forth work and being with the kids, the boss gave me an ultimatum daycare for the kids or I leave my job. I told my DH that my income which was very good at the time was important to me as I have supported myself my whole life including being a single mom. But he would not budge. So, I quit. It has been 3 years and most of our marriage my trying to balance kids (I love them don Next time you get money mommy, GO FOOD SHOPPING. He said that right in front of DH. But, I just know when I do that the gorging goes on. I explained to DH about telling his son about gluttony, but he laughs at me. So, when I see him and his son eat this way, I get grossed out and am not hungry at all. I am sorry to say all this here. I actually just came back from the doc who gives me nerve pills because of my situation and he says I am doing really well coping with the situation. Which he knows what is going on. He is sending me to see a good counselor who he says, will validate me and give me support and confidence. Last time I went to see a counselor she told me to leave. But, my son loves his step sister and brother and so I want to stay. Well, sorry for the soap opera. I think when I start making more money I will get food and tires for my car, etc. but I will hide some food and snacks and siphon it into the general population here. That way they don't get snorted up by certain people. LOL. (And yes, I am putting an emergency fund away. But this is why I wish there was more transcription out there!) Thanks for your kind words and support. Between you and the doc today, it makes me feel I am not alone! :)

I'm in Florida and spend about $175/wk for 5 sm [2008-11-18]
I5 and 158 lbs,eats more than my husband, who is 6 and 345 lbs. FIL had to have a feeding tube put in last July, and I had to cut down meals by half because we were having so many leftovers and wasting money. Just when I thought I had it figured out, he was able to get the tube removed, so II donwe (FIL and I) will just eat a sandwich or leftovers from the fridge As far as special foods, we dona recipe, and for a while we were buying meat ata butcher shop but have had to cut that out for now. It was really good but was close to DH's work, and if he couldn't pick it up while he was in the area, it was a 45-minute drive. I cook most things from scratch, except lasagna because I hate making it. Once a month, we have a luncheon at church that I bring a dish and a dessert, and I cook Wednesday night dinner there one night per month, but I get reimbursed for the Wednesday night dinner. I do include paper products and toiletries in with my grocery budget but that's it, and I usually go to Sam's once a month for those. I have it easy compared to my parents though. My dad got paid once a month, and there were 4 kids at home all the time, 5 when my sister came up during the summer. They used to have 3 grocery carts slap full of food, and my mom figured out that it took something like 18 boxes of cereal to last a month, each one with a date marked on it so we didnWe also hada freezer to keep extra bread and other things, and my mom also used to mix in powdered milk when the gallon was half-way gone. I never knew until I was grown, so she definitely blended it well.

We have a Chevy HHR and a Jeep sm [2008-11-18]
The HHR is the first new car we have had, and it was a year old when we bought it. DH also had a Chevy C-10 pickup truck that he sold a couple of months ago because it needed a transmission. The Jeep was my mom's that she sold to us when she moved a couple of years ago. We have mostly had GM products. The only foreign car we ever had was a 1985 Mercedes 300 SEL that turned into a money pit. We ended up selling it a year after we bought it and barely got back what we paid. It was a nice car for about 2 months but unless I can afford to buy new with a warranty, which will most likely be never, I wouldn't buy another one. My dad drives Toyotas now, which is so funny because he is the one who got me into liking classic cars like Mustangs, Impalas, Firebirds, etc.

My first car was a 1967 red Camaro [2008-11-17]
now a classic, got up to 86,000 miles only replacing the water pump, then my husband wrecked it. I am still mad at him for that one. I now have a 1995 3/4 ton chevy truck, paid for, have 166,000 miles on it, been a very good vehicle - thank you all GM workers. It tows and pull horses like a dream, don't even know anything is back there. Hate cars now.

Extended warranties are the biggest waste - sm, [2008-11-15]
of money, and the all time scam of the century. The couple times I was d*u*m*b enough to buy one they never, never paid for themselves. I never buy them now, haven't for years and have never had a problem with any of the products I bought that offered them. Believe me the companies that offer them (just about everyone) are laughing all the way to the bank....they take in way more then they ever have to pay out for repair work/replacments, etc.

The only extended warranty I buy [2008-11-15]
is for my frontloader washer and dryer. It's only 250 bucks a year, they come out as often as I want free of charge and make sure they work okay and ANYTHING that needs replaced will be paid for, including the $400+ computer for the control panels.

I did buy the extended warranty last...sm [2008-11-15]
week when I bought my son's Playstation 3 for X-Mas. It was $400, and it is only under warranty for 90 days. So I said if something were to happen to this thing after I have paid that kind of money that would not be good. So for $30 I got an additional 2 year warranty. So for 2 years if it quits working or anything they have to fix it or replace it. When I spend that kind of money I want a longer than 90 day warranty. We bought the Playstation at Wal-Mart.

Always, always call the cops sm [2008-11-13]
My husband was nearly killed by a tractor trailer driver who changed his story a dozen times, themedics were called but unfortunately, the other driver went his merry way and was not cited until days later for following too close, reckless endangerment, speeding, mistake in log book, and a laundry list, first he said my husband going too slow. Reconstruction said no way, but while my husband was in hospital having his scalp sewn back on, this guy ran away. Had to hire a detective to find him, went on for years before we got our bills paid, he got off with heavy fines and warnings he would go to jail if it happened again. It had happened in another state previously but could not bring that up in court. My sorrow - I should have had him arrested right that moment but I was not there. He should have been tested for drugs, etc. He went from saying husband's fault to that he dropped his coffee and was picking it up off the floor and then changed it again to something else. He still drives and my husband is totally disabled. Please get the cops involved the minute something happens - don't wait. I had no choice, I had to travel to another state to the hospital. I wish my husband were conscious enough to have him arrested right there. You did the right thing calling the cops, everyone should do that. Believe me, she could have killed you or someone else later. I hope you scared the pants off her.

it can be done - [2008-11-13]
My husband lost his job 2-1/2 years ago due to an accident at work. He has been on WC ever since then and has brought home less than 200 weekly. I basically have been the sole support since then and yes, it has been VERY hard. We lost almost everything and have just managed to start getting things back right and now this mess hits... I am going to be down about $800 this pay period and was down $700 last pay period. Of course, we have no savings to fall back on - used it up long ago. I found a part-time inhouse job that pays by the hour and am starting it as soon as the paperwork is all processed that should at least get the house payment paid, but don't know what we will do about everything else.

Probably borrow from his parents - sm [2008-11-13]
they are loaded, though act poor (have a couple mil in the bank). Borrow enough to a pay off the house $40K if they would go for it, and I think they would, or sell the house (borrow from them until house is sold) and either rent for a while (we'd have about $140K after the sale of the house and mortgage paid off) or buy a much smaller house. We have land we can sell too so we would not be destitute though it would cause some problems.

Considering my circumstances I am looking - sm [2008-11-11]
forward to the holidays. I'm the one with the mega debt who confessed to her DH a month ago, etc. We will have his debts paid off in full in about 10 days. I still have quite a mess though. We sold back 2 weeks of his vacation time (lucky for us his work allows you to do this) and half of that is paying for Christmas, the rest is being banked in our savings account which needs restoking (used to have $5K in it but only $200 now). We are taking a night and going to the beach to see the lights (free hotel stay due to his travel points) and a nice dinner-- all of this is his idea too--, and he suggested I go up (with the kids of course) and spend New Years with my friends/family up in PA so I am surprised about that. He is going to try to come too for a day or two to have a late Christmas with my family as well. Things are all roses, but considering everything I am looking forward to seeing my dad and one of my brothers, the other is in England and his family is going there to spend Christmas with him in Ireland with his wife's family there. But DH is trying really hard, he even bought me a dozen roses on my birthday a couple days ago and a really nice card, I couldn't have been more surprised....normally I get nada, not even a card. Granted my daughter told him to get me flowers, but still, he went over the top. But I digress as usual....everyone just needs to stay within what they can afford, we are cutting back some of course, but I have a bit more wiggle room now that I have that vacation money coming. Do it every year and it is a lifesaver.

I really hate this happened to you...sm [2008-11-10]
It gives all pits a bad name. I am an immense dog lover myself. I love all dogs. There are some pits and Rotties, etc. bred from family pets and bred to be family pets. Unfortunately there are some drug dealers and gangstas who want this big bad dog to go with their gangsta facade. It is so wrong. It is unfortunate because these dogs are all given a bad name for the actions of a few. It makes people weary of them rightfully. My pit came from a mother and father who are big ole babies, inside kept family pets and the grandparents on both sides were family pets too so I do know mine was not intentionally bred to bring out bad traits such as aggressiveness. I knew where he came from and knew what kind of ancestors he had. This eased my mind. My pitbull CJ is a big ole baby. He is weary of a stranger BUT I would never allow him out of the fenced in yard which is in my backyard. He is not allowed even out in my yard in the part that is not fenced in. I am not taking a risk of him biting someone. He is pretty much okay with people even he don't know if they don't approach him. If they give him his space he will give them theirs. That is when I have friends over he doesn't know. But I don't allow him to just be free roaming around and I cannot express how irresponsible that is. The owners should have been paid a visit by the animal control or police and told you keep him in or on a leash or you won't keep him. I am firmly against letting any dog roam free even a poodle I wouldn't because also they can get ran over or anything. It is just flat out irresponsible.

I had to place my mom in a nursing home [2008-11-09]
temporarily when she broke her hip the first time. It was very hard. (I had made a promise to her that I would never put her in one when she got older.) I visited her every day and every day she begged to come home. Shedidnand encourage her to keep up because the sooner she could walk with little assistance, the sooner she could come home. The PT team was great, too, always encouraging her, and she did her best. I found out that they had a hairdresser that came in every week and I paid to get her a haircut and style. After that, she kind of settled in a little bit, but still begged to come home. Thank heavens, she was only there2 months. I don't think I could have stood it much longer. Then when it was time to come home, she wanted to bring the furniture with her. LOL They had cherry dressers and headboards. It was almost like a regular bedroom. Momhe sat there for hours. No one came to see if he needed anything. The room was awful, so small andcheap furniture with old iron hospital beds. Reminded me of a regular hospital. Talked to his son and that's all the insurance company would cover for him so he was stuck. As the other poster said, research the homes as much as possible. Go when the activities and/or PT is taking place and just watch. Talk to the people that live there if possible. Talk to activity director, DON, etc. before deciding. Check the rooms. Watch to see if the CNAinsurance runs out; i.e., where the patients go after that. Mom would have been transferred to the first (MediCare) floor, but she came home before that.

Root planing [2008-11-06]
I had that done last year. It was not bad and I am a chicken when it comes to the dentist. Dentist numbed the side the hygenist worked on and it is a diff kind of high-speed instrument especially for plaque removal. It isan ultrasonic tool for teeth.I do not remember seeing any blood, but of course they suction all of the time. This instrument uses water and it is like a mist. My plaque was not that bad. In fact they could have done all four quadrants at one time instead of staging it. They just numbedwhat certain quadrant in case your teeth are sensitive. It was worth it too. I go every 3 months to get cleaning and checkup and do the flossing thing and have a WaterPik to boot. That price is just about what I paid too, but my dental insurance covered most of it. Hope this helps out. It sounds worse than it actually is.You should be able to see a diff in the gums too. I know I have. I have a great dentist too. I dreaded it, but after it overI felt like I really worried too much about it. I do not think anyone likes the dentist. I do not think that you would regret it. Good Luck.

Who would be the best to ask [2008-11-03]
advice about money.I just received my credit score and it is less than 700. However, I paid $6 and received 1 credit score and read at another place I should have 3 after I did this. It did tell me why my score was so low, one was that I don I just paid off my mortgage and I thought that was a good thing. According that that, it is not. I thought maybe I should take out another mortgage against my house. I have a 10K cc bill that is at 28% and thought if I barrowed against my house, I would probably get a lower % and maybe that would help?? but.......another reason it saidwas that I had too many recent inquiries about my credit report. Well, if I borrowed against my house, thenanothercreditor would probably have to look up my report. Another one was that I was 30 days late paying on something too recently and that I had opened and closed an account in too short of a period of time in 2005. Anyway, my 401K guy is always full of good advice and so is HNeither menever seem to want payment for their good advice as of yet anyway. I just wondered if these are the people I should ask OR is there something better out there. Another problem we are faceing is that our checking account seems to always go under at least 1 a month. Everything is such a mess, I am trying to get it all straightened out. I don

I used Debt Free Today. Pretty good [2008-11-03]
company. Never had any troubles with them. Just sent them a check once a month and they distributed among my creditors on the agreed amount. I think we paid off in 4 years. Was really nice!

people pay you to sing? I think people would pay me not to sing [2008-11-02]
to come to somebody's home, interrupt what they are doing and expect to be paid. I would shut the door in your face.

That's why I have a Tracfone [2008-11-01]
I have heard of cell phone bills that high and higher. I can't imagine paying that much for a phone. My daughter's friend wracked up a $625 phone bill one month from texting and her parents just paid the bill no questions asked.

I paid [2008-10-31]
the month thing so I can go on-line and that is helping me to keep with it and not get discouraged too. I figure it is a healthy way to eat and I paid so I may as well give it a month. I had foot surgery and have just been able to start walking with little to no pain now so that may help too. Thanks again!

I was not out buying designer clothes or stuff for myself - sm [2008-10-25]
in my case it was we, mainly him, spent way more than we make. Everytime one of his cards got a large balance (he never looked at the statements and I pay the bills) I would tranfer it over to one of my cards, which again he never looked at, and I had a P.O. Box for--so in my case it was very, very easy to do, and with paperless statements today even easier. We had a lot of things happen in our life over the past 4 years which made the money/credit card issue much worse, easily added $40K onto it (at $89K now)--family death, serious child illness--still dealing with that some--, job loss on my part, private school tuition ($12K a year---no longer go there for the last 2 years), inability to pay bills and heavily borrowed on cards----d-u-m-b I know. So don't be so quick to judge, it is not always so black and white. Yes I did get a few things I should not have, but I know during some of this time I was depressed though not horribly so but enough so as to buy a few things I never should have, but for 95% of it it was my DH never denying himself anything (though he would have if he'd known, and now he is --granted not too happy about it---one tiny concession he has made is only 9 beers a day, down from 12, so maybe he can get 3 days out of a case of beer instead of 2.) So my days of robbing Peter to pay Paul are over. We plan to have an open book when it comes to finances once his are paid off, and mine are enrolled with a debt management plan--- then only use his cards for gas, and work stuff basically--I won't have any as they will all get destroyed and cancelled in the DMP, and will use my debit card for everything --which I do now anyway, so it won't be a huge change for me. I don't think she is lamenting, just realizing what a horrid mess she has to deal with, it is hard, and I have to deal with my DHs comments for years to come, he did a few zingers last night. I will be okay though and have to pay the piper, it is worth it not having to go through a nasty divorce and custody fight as I know it would not have been pretty.