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Next Time, Try a Debt Free Vacation
Happiness is a state o mind but it is hard to be happy when you are saddled with debts, loan collectors are calling you at dinnertime and you are worrying about your next mortgage payments. If you keep paying your $5,000 credit card bill at the minimum payment, it will take you two decades to pay off your credit and you will pay almost $5,000 in interests. So what should be the higher priority, paying the credit card bill or taking another vacation to increase your happiness? Many people will take a vacation and justify their credit card financed getaway as a payback for their hard days word. Your priority should be to formulate a pay-down plan to get out of debts as soon as possible.
If your credit is good and you are able to get a low interest credit card, get one and transfer all your higher interest credit card debts to the low interest one. If you have paid you bills in the past on time and your income is sufficient, you should be able to get a low interest credit card. If you are not able to get one, list down the annual percentage rate of each loan you have and sort them from the highest to the lowest. Take a newspaper delivery job in the morning, and start paying the highest interest rate cards as much as you earn from your newspaper delivery job.
Never ever you should delay your payment. You will be charged with a hefty late fee on top of your interest fees. The credit card company may also jack your APR a few percentages just because you were late on a payment. Make a budget in the beginning of the month to figure out if you will be able to pay all your loan obligations for that month. If your budget says no you are not able to meet all your loan obligations, you should look at your other expenses and cut them as much as you can, including your coffees, candies, muffins, soft drinks, etc. Take a sandwich lunch to your work, instead of buying lunch from the expensive cafeteria. Your goal should be to pay 10% of your income toward your credit card payment and be debt free.
If your credit is good, call your credit card companies and ask them for reduced APR. Tell them that you have other options and you will transfer all of your balances to another card if they don't reduce the APR. Sometimes it will work and sometimes it will not. But it is worth a try.
Find out your FICA score by obtaining your free credit report. Don't be surprised if there are erroneous entries in your credit report. It is happening more and more and credit bureaus are not consumer friendly. Report all erroneous entries in your credit report as soon as possible and be on top of that till they are removed from your credit report.
Make it a goal to get rid of all your debts. Once you are debt free, you will find that you have more money to spend. You may not realize, but all those money that you are giving away to credit card companies in the form of interest may buy you nice vacations and in turn, happiness.
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When I was invited to an arts fundraising gala at over 36 weeks pregnant, I was anxious to go, but also a bit nervous. What on earth was I going to wear? wedding gowns Finding any maternity clothing can be a challenge but finding formal maternity clothing….that seemed like it may be impossible. Fortunately there are some ways to find and create formal maternity clothing without spending a fortune. Look and feel your best at those formal events with these ideas for formal maternity clothing.
Maxi Dresses. Maxi dresses, found easily at online and in-store maternity places black party dresses , are a great item that can easily be transformed into formal wear for a pregnant woman. Maxi dresses are simply long dresses long dresses meant to drape comfortably over a pregnant belly. These super simple dresses can be formalized in a number of ways. First of all a fancy beaded cardigan can be added. The cardigan does not need to be a maternity cardigan so shop your normal stores for this piece. Formal jewelry and some nice comfortable heels complete this formal maternity look. Maxi dresses are inexpensive and you will be able to wear your dress other places after the formal event.
mini dresses with Leggings. Mini dresses, short dresses short dresses often found in the juniors section of major department stores white dresses , can create a formal look for a pregnant woman. No one thinks to look in the junior's department when looking for maternity wear but many of the current styles are loose and flowy and work perfectly over a pregnant belly. These cute mini dresses become a formal maternity top when placed over black leggings. Look for a fancy mini dress that comes over your belly. Then shop your favorite maternity store for black leggings. Add formal jewelry and shoes and your formal maternity look is complete.
Black, black, black! Just about anything in black can be transformed to look formal with the right accessories. Search your current maternity wardrobe for a black skirt and black shirt of just about any kind. Add some flashy accessories such as a beaded clutch, a luxurious scarf, and some huge rhinestone earrings. Bright colored shoes would also add to the formal, but unique look of a totally black formal maternity outfit. Before you go out and spend a fortune on a one time formal maternity outfit wedding dress for cheap wedding dress for cheap, wedding dress check your own closet for a black ensemble that you can turn into formal maternity wear.
Borrow! As a final way to find formal maternity clothing, don't forget to ask your friends! Anyone you know who has been pregnant may have a formal maternity outfit stashed away somewhere. Who knows? Perhaps a friend or coworker had to buy a formal maternity outfit during her pregnancy and she still owns it. The outfit may have even only been worn once or twice. Don't feel shy soliciting a borrowed formal maternity outfit. Anyone you know who has one to offer will be happy to oblige.
If you are facing the dilemma of needing a formal maternity outfit try these suggestions. You'll be thrilled to have saved quite a bit of money on this one time outfit, and you will look like a fabulous pregnant woman at your formal event.
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