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Everything and Anything

A blog about movies, music, money, people and more

May
11
Posted by Holly

Missing out on the stimulus package?

It seems that many people who are legal citizens of the united states are losing out on rebate checks. The reason why is because they are married to a foreigner. Either they are a solder who married someone they met while out of the country or they are immigrants who have gotten though all of the paperwork, but their spouse did not. Some are even us citizens born here who married a foreigner.

I think this is sad, but something that was overlooked in the battle to fight illegal immigrants getting this money. Personally I don’t think they should get it if they don’t pay taxes. But if you are an immigrant and have filled out taxes in prior years, why shouldn’t you? I know it’s not fair, trust me. I didn’t hit the money limit and I’m a student on top of it so I won’t get one. I won’t even qualify next year because I will still be a student. Apparently students and people married to foreigners don’t spend money. In my opinion most people are not spending it on goods, they are paying off bills and saving it. If they gave this money to a collage student, they would be buying TV’s, Ipods and all the stuff the government wants you to buy. But no they miss out.

I think it’s just too little to late anyway. Even the people who want to save it are just putting it into their gas tanks now. All of our tax dollars are now going to the middle east. If only we had put more into renewable resources that are available in this country, maybe we wouldn’t be seeing this whole mess. At least the gas price part.

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May
10
Posted by Holly

A huge surprise

I am really surprised at how well my new product review blog, Savey Spender is doing. I didn’t expect it to do as well as it is and I’m happy about it. It’s not amazing by any means, but people are catching on to it and it has a few more RSS subscribers then this blog has. Considering Savey Spender is my newest blog that is a huge improvement for me.

I’m hoping to be able to do more product reviews on that blog, but cash is tight right now so I may be doing more website and cheep stuff reviews. I also am trying to get a hold of more coupon codes for it. A fun thing really, considering I can’t get any unique ones right now. I don’t have that much power. Sometimes I wonder what it takes to get that power. All I know is it’s something I don’t have, at least not yet.

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May
10
Posted by Holly

Running away and never looking back

Sometimes I think I want to just run away and never look back. Today I was talking to my mom about some of the issues our family has been having and it just is so much to deal with I just kept thinking I need a flights to Toronto just so I can get out of here.

I’ve felt like this before, when my fathers side of the family was having some issues. I ended up taking off planeto Texas and staying there for 6 months, it was the best and the worst 6 months of my life. A few thing I would like to have changed, but going there is not one of them. Sometimes just getting away from other people’s problems and some of your own can really help you figure things out. It was when I was in Texas that I figured out I wanted to be an interior designer. Before that I had no idea what I wanted to be.

Now I have some other things I need to figure out, this time I can’t leave for 6 months, but maybe a few days would do me some good. On the other hand if I move I can just lock myself up in my house and not talk to anyone for a few days. That would be nice. A vacation would still be better.

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May
10
Posted by Holly

Mothers day and stuff

Today I was talking to my mom about mothers day. I hated telling her I couldn’t afford to get her anything, but that is one reason I spoiled her on her birthday. I had the money then and knew if I didn’t do it I would spend it somewhere else.

I am doing something with her us 4 kids (girls only) and my nieces are going to the mother daughter banquet at the church we went to growing up. It should be fun and I know my mom will love it. I’m lucky she is not one who expects a bunch of stuff or flashy gifts. She would rather have time together or something she can share with everyone. She has her issues, but she’s not as bad as some women I have met.

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May
09
Posted by Holly

My new credit card, not so good

I was excited I got a new credit card and I was going to be responsible with it so that I could start to build my credit back up. I got it and now I can’t use it. Yep I finally got approved and I screwed it up because I forgot with credit cards they want you to call from the number you used to sign up with it. I wasn’t thinking and put my online voice mail number down as I don’t like to give out my moms phone number.

Since I can’t call from that number I can’t activate the card and can’t reapply for 6 months. I’m hoping by then I will have paid off most of my credit issues and be able to get a card that doesn’t charge the really high fees. I’ll live it’s not like I need the card. I have decided though that when I do get another credit card I’m going to do some research, There is a great site where you can get a credit card rating for different credit cards. You can also find different types of credit cards for your needs, like gas reward cards or cards that give you points. I’m thinking the gas or the money back ones would be good for me. I don’t really need the points ones as I would use the card with some of the online things I do anyway. I may also check into a business one that I can use for my blogs and forum. That way it’s all separate and I don’t have to worry about it come tax time. I think that will work out well.

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May
09
Posted by Holly

Life changes, moving or not

I’m trying to figure out if I can afford to move in June. I just can’t seem to make it work though. I have so much going on and bills I need to get caught up on. I think I’m just going to have to stay where I am until August and then move. It sucks because I would love to get out on my own again. At the same time i know my mom can use the help for the summer with bills. She gets laid off in the summer.

I think it would be better if I waited and moved out when she can get back to work in August, but before my little brother starts school in September, that way he can help me move. It’s just a few things I would need help with and as of right now there is no one to help me besides him. I may be able to talk my little sisters and their boyfriends into it, but they may be moving then too. I’m sure I’ll figure out something. I’ve decided to start packing once I’m done driving to school this term. Over the summer I’ll be taking online classes so I don’t have to drive anywhere. It works out better that way.

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May
09
Posted by Holly

Fix Crazy gas prices, go local

I am really happy I have decided to move. It’s sad when you add up all of your gas to drive just 3-4 days a week and you end up spending more money then you would paying rent. I decided that I am tired of foreign countries getting my money. I would rather it go to someone local who needs it. Yes the same foreign people may still get some of it, but at least it switches hands a few more times first.

The best way to combat these prices is to find ways to stay as local as you can. I’m lucky I can move closer to where I drive. I know many can’t but there are still ways you can help to cut down on the need for foreign oil. I was reading about this in a magazine yesterday, and one way you can do this is to buy local. Spend money on fruits and vegetables that are grown in your area. If you live in a city, check and see if there is a farmers market available. Not only do you save oil use, but you are helping to support the local small farmer who I’m sure needs the money more. The bad part about this is that you may not be able to get some of the things you like. My suggestion is once a month splurge on that item. Trust me there are somethings you can live without.

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May
08
Posted by Holly

Fixing credit and money

Right now I am trying very hard to fix my credit. I want a high credit score and I know it’s going to take a while to get there. I am working on paying a few things off and I just got a new credit card. The bad part about this card is the fees are high, but at least I can start to build my credit back up. I’m going to only use the card when I have to. I’m going to work on paying down the fee’s they are going to charge to my balance first. I am going to make a small charge onto it, just to make sure it does work so if I need it I can use it. I’m just talking $10 for food or something, I was going to use it for gas, but I have a gas card now.

Anyway keeping up on your credit is something everyone should be doing. I get my credit report whenever I want, I pay each month for it, but I’m working on fixing it, so I want to be updated all the time as to what is going on or off of it. My advice to you would be find a good site you trust, that allows you to check your credit report and your score, some wont give you the score, and use them at least every few months. It’s better to be save, then sorry.

Check out this press release on a really great site that could help you.

It may take you a lot of time and effort to establish good credit rating. But if you manage to get high credit score, you will never regret it. High credit score can help you in many cases. For instance, your potential employer can ask your credit report to check how high your credit score is. Your high score will prove that you are a reliable and responsible person. So, you will have more chances to get the desired job.
Another advantage of high credit score is low interest rates on loans and mortgages. If you have a credit card and use it wisely, your good credit rating gives you a chance to get a car or a school loan, or a mortgage with lower interest rate. You can also benefit from good credit cards that usually comes with 0% Intro APR on purchases or balance transfer, no annual fee, and alluring rewards.
You see, the game is worth a candle. So, take steps to improving your credit score. First, get your credit report to learn how high your score is. If you have score between 660 and 749, enjoy all the benefits it can give. If you have a lower score, learn how to improve credit score and make your step to more financially secure life.

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