Negotiate your bills down

Happy Happy Wednesday! This is a big problem for so many of us. We have too many things we think we need and then look out the $$$$ we owe goes up and up. These are such trying times right now and it is so easy to get carried away in Emotional Spending. " I deserve a break" or "Lets just get away" or "That facial will do me wonders". None of which is going to make our situation better, in fact this kind of spending can lead to destructive behavior. And if the kids are old enough o witness this and understand it, they will become over spenders and find them self in trouble as adults. Lets break this habit.
But in the mean time you can negotiate your bills down. Call your creditors and have the conversation with them, they are people to. Be prepared to hear not so nice of person on the other end, after all you owe them money. If you have a hardship, IE. loss of a job, illness, or even the death of a breadwinner, be prepared to prove this information and you most likely will get your dept reduced. Also know what you can afford to pay in monthly payments o when they ask you if you can afford to pay "$325.00 a month" you can say no "but I can pay $150.00". That way they know you are willing to be responsible.
Every 6 months or so cal all your credit card agencies and ask to have your interest reduced, all they can say is no, but I have had mine reduced just by asking. And it doesn't hurt to be on time with your payments.
There are a lot of scams out there that say they can do all this for you but will charge you tons of money, now how is that gonna help. Here are a few trusted sites full of information.
Good luck gals.
www.Bills.com www.debtright.com www.nfcc.org

Free meals for the Kids

Hello, and happy Tuesday. Wow what a rainy day here in Utah, I really do love it though, this is when you can get a lot done, but don't seem to do anything. Sound familiar? I am trying to fancy up my blog page but cant see to get it, That is what our kids are for...Help!

With the economy being the way it is I thought I would share some ideas with you on how and where to get Free stuff. Yep I mean Free. Todays Free site is for all you young Moms. I know it is hard to feed all the kids and your husband too so try this one. Besides having them eat from your plate go to Kidsmealdeals.com and enter your zip code and you can find restaurants in your area that have kids eat free days. Some kids hardly eat anything on there plates and you can bring leftovers home for their next meal. Now that sounds like a money saver if I ever hear of one. The best part, besides the free meal is you don't have to do the dishes either Yippee.

Gettg started

Ok, here we go... My daughter has been telling me about this blogger business, and that I should start on. "you have so much knowledge to share" she says. She is the writer in the fam. I am the party planer, well so is she now, mmmm a chip off the block. I feel overwhelmed with this, she said I would. But somehow it is good getting these feelings out.
I am suppose to be vacuuming. Oh by the way I am a terrible speller so you will get a kick out of my posts. I know now I am going to have to exercise if I am going to blog, I can feel my butt getting bigger as I speak/write.
Any suggestions on getting started out there, Let me know.