1. Know WHY You Want to Be Debt-Free:

Write it down along with all the debts and amounts you owe to keep you motivated. It’ll help to keep you from spending money carelessly.

2. Look at the Full Picture: Gather all the information you can on your debt.

Write down the loan type, the amount owed, the minimum payments, the months left on the loan, the interest rate, whether the loan is variable or fixed and any other information you may need to know. Once you’ve done that, you can choose if you want to pay off the loan with the highest interest rate or the lowest balance.

3. Stop Adding to Your Debt:

If you want to be debt-free, you have to change your mindset. Don’t think of credit as a means to an end. That means committing to no longer thinking of debt as a solution. In other words, stop borrowing.

4. Only Use Cash or Debit Card:

Being on a cash budget will force you to make different decisions and change behavior.

5. Remove Temptation From Your Inbox:

Remove yourself from all coupon- and store-related email subscriptions. I downloaded Unroll.Me.

6. Be Candid With Friends: Share your goals.

Finding free or frugal ways to have fun is crucial if you’re trying to throw any extra funds toward your debt.

7. Find Free and Cheap Entertainment:

Attended free concerts and movies in the park, attended pot luck game nights with friends, and attended outings hosted by churches or universities, etc.

8. Find Ways to Make More Money:

Too many people focus solely on cutting expenses when they’re getting out of debt. Instead, think about making more money.

9. Ask for Help: You shouldn’t hide what you’re going through.

Many creditors have a hardship plan for those who can demonstrate a need, and there are many local nonprofits out there who can help give guidance. Don’t be too proud to ask for help, but don’t contact anyone without doing your due diligence first!

10. Create a Physical Barrier to Spending: Sometimes paying off debt requires you to get visual. Tape your budget to the back of your credit card.

11. Make a Visual Reminder: Make a chart and put it somewhere obvious.

12. Calculate Your Daily Interest Rate: Using the following formula: Interest Rate x Current Principal Balance ÷ Number of Days in the Year = Daily Interest.

13. Only Buy Groceries Online:

You stay on budget when food shopping because you can see your balance owed as you virtually put items in the cart.


* Your fences need to be horse-high, pig-tight
and bull-strong.

* Keep skunks and bankers at a

* Life is simpler when you plow around the stump.

* A bumble bee is considerably faster than a
John Deere tractor.

* Words that soak into your ears are whispered…not yelled.

* Meanness don’t jes’ happen overnight.

* Forgive your enemies. It messes up their heads.

* Do not corner something that you know is meaner
than you.

* It don’t take a very big person to carry a

* You cannot unsay a cruel word.

* Every path has a few puddles.

* When you wallow with pigs, expect to get dirty.

* The best sermons are lived, not preached.

* Most of the stuff people worry about ain’t
never gonna happen anyway.

* Don’t judge folks by their relatives.

* Remember that silence is sometimes the best

* Live a good, honorable life. Then when you get
older and think back, you’ll enjoy it a second time.

* Don’t interfere with somethin’ that ain’t
botherin’ you none.

* Timing has a lot to do with the outcome of a
rain dance.

* If you find yourself in a hole, the first thing to do is stop diggin’.

* Sometimes you get, and sometimes you get got.

* The biggest troublemaker you’ll probably ever
have to deal with, watches you from
the mirror every mornin’.

* Always drink upstream from the herd.

* Good judgment comes from experience, and a
lotta that comes from bad judgment.

* Lettin’ the cat outta the bag is a whole lot
easier than puttin’ it back in.

* If you get to thinkin’ you’re a person of some
influence, try orderin’ somebody else’s dog around.

* Live simply. Love generously. Care deeply.
* Speak kindly. Leave the rest to God.

There is poetry as soon as we realize that we possess nothing. ~ John Cage

We’ve all seen those lists for “20 things they should have known at 20 years old.” For example, make older friends so you learn from them, stay in shape when you’re younger so it’s easier when you’re older, do crazy things when you’re young because you’ll be too conservative to do them when you’re not, and sleep. Not every item on their list will apply to everyone, but those are certainly a few good tips to keep in mind even if you’re a little younger or older than 20. I have to wonder what 50 things that I should have known at 50 years old(or older)?

By 50: Manopause does exist, all of those excuses that you gave as a young woman will come back to bite you in the butt as an older woman (roles reverse), as soon as it comes out of your mouth someone will have invented it, like the wind; if you whisper someones name – they’ll blow in, never trust anyone with a secret – for they too have friends, show compassion to all, for soon you may know their experience, play brain-teasers to keep your mind sharp or they’ll tell you that you can hide your own Easter eggs, oh yeah and the sleep thing is for real.

Personally, I’ve learned a lot from life experiences, family members, teachers and believe it or not, even”spammers.” I’ve often said, “If my friends were as nice to me as the spammers on my blog, I’d walk around all day singing like Lesley Gore, “Sunshine, Lollipops And Rainbows, Everything that’s wonderful is what I feel when we’re together.”” But… here in the real world!

Today, while sharing some of the heartfelt (tongue-in-cheek) comments from my beloved spammers from my blog with my youngest son Steven, we had a huge laugh. I said, “Where do they find the time? and With them, I’ll never be lonely.” I know I have a lot to learn, but I also know horsepucky when I’m wading through it; compliments so vague that they could be posted anywhere to fit any & all circumstance in life, I should memorize them, then I’d have the pat answer for every situation. Looks like I have learned a few things over the years after all.

I’ve never actually compiled a list of 50 things, although I’m sure if I Googled it, one does exist somewhere. Just not my own. If I did find said list, it would most assuredly consist primarily of what that writer believes [See where I put the emphasis?]. I may know a lot less or a little more than they, that’s not to say they’d be right in either case. Not to mention that their life lesson(s) wouldn’t be prudent to my lifestyle either, as mine may not be to theirs. That should be number one on my list. Never except anyone’s thoughts or lifestyle over my own.

Yesterday, I found myself quoting someone from years ago, someone that told me, “Not to believe anything that I hear and only half of what I see.” Now, those are words to live by. That should probably be number two on my list. [He said it from the pulpit, about once a week, he was a old preacher aka sexual predator that was privately thrown out of the church for having oral with select ladies of the church, but I try and remember that my mom said it too, so I choose to say the words come from her.] Go MOM!

I’m may be rightly thinking that number three should have something to do with dealing with liars or people pretending to be something that they’re not (or not). Just sayin’!

Today, I posted a quote, via one of my avid spammers, on my niece’s Facebook page, “There’s No Rush in Life: Take your risks at the right time and finally, at every stage in life, you will face the opportunity to take risks. The older you become, the more responsibilities you will have and the greater your risks. In other words, take your risks at the right time and don’t keep postponing them. It’s always best to make your mistakes early so you can rectify them.” She’s always putting something witty on her page, so I found this appropriate for her today, no matter “from whence it came.” And, to him/her I’d like to express a very sincere heart-felt thanks for the truly fitting random thought that it was.

I always tell my friends that anything worth saying has already been said, you just have to find the person that said it first; ie:”My life in a cloud.” Words of wisdom can come from anywhere; knowing what to record to memory and what to dismiss as pucky, is the same as, knowing the difference between wisdom and knowledge. Knowing something – doesn’t make it wise. Also, there is a scripture that will fit every circumstance in your life, ie: A word fitly spoken is like apples of gold in pictures of silver. ~ Proverbs 25:11 [roughly translated means: adapted to their circumstances; right person – right time]. And it reads like poetry. It just doesn’t get any better than that.

Above all, I do feel that the “Sleep” part suggested above by age 20, well, that never really works out for a woman of any age, and it becomes increasingly harder around age 50. Trust me. I could share a long list of bad things that happen after age 50, but it may dissuade you from wanting to reach it. I only wish I had listened to some of my older friends, who did try to warn me about a few things. To be honest, I thought they were making it up. Turns out to be too true for words. MERCY!

I would further like to add, I do enjoy the suspense… we could discuss Tuesday’s cleaning list, but where would the fun be in that?

What do you wish you knew when you were younger?

Share yours in the comments.

Yes, I have regrets. There are things I wish I hadn’t done…things I should have done, but indeed, there are many things I’m happy to have done. It’s all in a lifetime. ~ And then it’s winter…

I wanted to share a little ditty from my inbox that I felt was appropriate today.

After a cousin shared an old photo of one of her #x’s Great-Grandmother’s 101st birthday, that had passed at age 102; with me this week it made me think.

Her Grandmother was a vibrant woman, living and loving everyday of her life. She didn’t let anything stop her. I wish that I could share her photo but its not my story to share. God bless you today and keep living life to its fullest, we can’t control what is going on around us or even to us at times, but it will come our time before we know it. You don’t want to miss a minute of it!


And then it is Winter…
You know. . . time has a way of moving quickly and catching you unaware of the passing years. It seems just yesterday that I was young, just married and embarking on my new life with my mate. Yet in a way, it seems like eons ago, and I wonder where all the years went. I know that I lived them all. I have glimpses of how it was back then and of all my hopes and dreams.

But, here it is… the winter of my life and it catches me by surprise…How did I get here so fast? Where did the years go and where did my youth go? I remember well…seeing older people through the years and thinking that those older people were years away from me and that winter was so far off that I could not fathom it or imagine fully what it would be like.

But, here it is…my friends are retired and getting grey…they move slower and I see an older person now. Some are in better and some worse shape than me…but, I see the great change…Not like the ones that I remember who were young and vibrant…but, like me, their age is beginning to show and we are now those older folks that we used to see and never thought we’d be. Each day now, I find that just a simple thing is a real target for the day! And taking a nap is not a treat anymore… it’s sometimes mandatory! Cause if I don’t on my own free will… I just fall asleep where I sit!

And so…now I enter into this new season of my life unprepared for all the aches and pains and the loss of strength and ability to go and do things that I wish I had done but never did!! But, at least I know, that though the winter has come, and I’m not sure how long it will last…this I know, that when it’s over God will be there.

Yes, I have regrets. There are things I wish I hadn’t done…things I should have done, but indeed, there are many things I’m happy to have done. It’s all in a lifetime.

So, if you’re not in your winter yet…let me remind you, that it will be here faster than you think. So, whatever you would like to accomplish in your life please do it quickly! Don’t put things off too long!! Life goes by so fast. So, do what you can today, as you can never be sure whether this is your winter or not! You have no promise that you will see all the seasons of your life…so, live for today and say all the things that you want your loved ones to remember…and hope that they appreciate and love you for all the things that you have done for them in all the years past!!

“Life” is a gift to you. The way you live your life is your gift to those who come after. Make it a fantastic one.








Remember “It is health that is real wealth and not pieces of gold and silver.”

We make a living by what we get, but we make a life by what we give. ~ Author unknown.

There are seven suggestions that all of us would be wise to heed:

1. Maintain a healthy lifestyle. Exercise.
2. Consume a healthy diet.
3. Follow your doctor’s orders, including being responsible to take medicines as directed.
4. Remain social, as this as an aid to maintaining good mental health.
5. Whatever stimulated your brain is a wise choice: studying genealogy,
doing crossword puzzles, playing bridge, Bible study, etc.
6. Preserve financial resources and avoid debt. If you have a marriage partner, make decisions that affect your future together. Information about where important papers are located needs to be known by the appropriate people. Some of these documents include: wills, bank accounts, insurance policies, car titles, deeds to property, and anything else of value.
7. Foster and maintain good family relationships.

If things are ever going to change, someone has to step up and do things differently. That’s where I fit in. ~ Anonymous