Everything and Anything

I was bored so I decided to see what my Bill IQ was. Lets just say I expected worse then I actually got. My IQ is 64%. For me though a few of the questions just did not apply. One I work from home and just started recently making enough to cover bills. Two I have a few monthly payments I make but because I was not working most of my bills are debt that is in collections. I have thought about getting Debt help but I have been told that I really don’t have much and they won’t help me because of that. They are right, if you take out my student loans my debt is only about $5000.

I think though that is is a very good idea to figure out what you really know about your financial status. Most of my family uses the excuse of I can’t do anything because my credit sucks, but they don’t know their credit score and never check it. I at least know that much, but I started out trying to make sure my credit was good. Unfortunately things happen you have no control over like losing a job or a home. For me it was the lose of a job, twice in two years. You just never know whats going to happen.

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I have been trying for so long to lose weight, I am just so tired of trying. I’ve kinda given up for now as nothing seems to be working and I have other things I need to worry about too. I know a ton of my problem is stress over bills and things so I’m trying to make that better by spending more times on programs. The thing with my weight loss is I’m not looking for some miracle diet pill that works. I’m willing to do work and do this right, but it just doesn’t seem to come off.

I’m thinking I may have to talk to my doctor about it when I go to see him next month. I’m also going to talk to him about a few other things just to see whats going on. I should be okay, I just hope my new money making endeavors work. I’m trying out new things with affiliate marketing. I just hope I don’t lose money doing this as advertising is expensive.

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I know many people that smoke. They have either done it since they were kids or they are kids and they got the habit from parents or friends. I was talking to someone the other day about how they want to quit smoking and I think it’s a great idea. Not only is it better for his health, but it will save him a huge amount of cash in the long run.

I decided he needed a little more of a push, so I averaged out the price he paid for cigarettes over the last 10 years, the amount of time he has been a smoker. If the price of a pack is $4 and you smoke a pack a day, he sometimes smoked 2, you would have wasted $13,440. Just on cigarettes alone in 10 years. My step father has been smoking since he was 15. He’s now going to be 50 so he has spent around $40,000 on cigarettes in his life time. I took 5 years off of that estimate as I don’t have the information on how much they cost when he was younger.

It’s hard to quit smokeing, but there are many products and tricks out there to help you quit the smoking habit for good. Don’t use the excuse that you will gain weight or be moody. You health should be your main concern, but right now with the cost of everything going up, don’t you want to be able to save that extra money your thowing away?

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Since I live in Michigan on the east side of the state where we are close to Canada you hear a lot of talk right now of people moving there. Yes people have decided the US economy is that bad, they now want to move. There plan is to keep their jobs, if they have them and move across the boarder. Many of these people are now looking for information on immigration laws in Canada. I told one women to bring down her search so that she could actually find a useful site, something like a Toronto Immigration Attorneywhere they would have correct information. A great website is that of Attorney Matthew Jeffery who specializes in immigration laws. The site has most of the information these people would need and they can always contact him for more information.

A few people I talked to just want to go to school there as they think the job market may be better once they are done with school and they will move back. I told one girl who went to school with me for a while that all she would need is a Canadian student visa and she would be okay. I’m sure the school could tell her how to get one, but she can also just look it up on this site and find out a little before deciding what she wants to do.

I’m sad that these people are leaving, but I understand if I could transfer without having to take everything over again I would probably be out of here too.

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My new forum Cash and Chat is now open to the public, if your interested in joining a great get paid to forum. Check it out. It’s still new so there is not much there, but feel free to post anything but spam and adult content!

I’m excited about this mostly because I love meeting and talking to new people. I also love helping people make money so this is a great thing for me. I don’t plan on making a ton of money from this forum, but I am hoping to connect with different types of people and maybe even learn a thing or two. I have invited a few of the members from Cash Buddy Cafe, a forum I was a moderator on for a while. If you were a member there, you are more then welcome at cash and chat.

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Many people asked me yesterday at my family reunion why I don’t have a job. The figure I just sit at home and go to school living off of my parents. Well I informed them that I do not just sit at home and live off of my parents. I actually do work from home and I really find I enjoy it.

What exactly do I do? Well a combination of things from mystery shopping to blog marketing. I love blog marketing because I am able to stay home and not waist any gas to get anywhere. IZEA is probably for me the best company to work with as they do value their bloggers and do what they can for them. There are times we clash, but they do keep our interest in mind. If you don’t know who or what IZEA is then let me tell you a little about them. They are a company that will pay you to blog about some really cool things. They say blog about the things you love, but I think they give me an opportunity to blog about things I would not have, just because I may not have learned about them without IZEA. They also give out many product sampling opportunities so that we can give honest reviews of products. Think about it how else are you going to do a review on hair gel if you have never really tried or looked at the product. You can’t!

If your looking for a great way to make some extra money check out either pay per post or Social Spark. Both have great opportunities for paid blogging. Social Spark even offers sponsorships for your blog. IZEA makes working at home, fun and even though it’s not always easy, jobs are very competitive, it is always a very interesting and exciting company to be involved with.

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I have been working hard to try to figure out how I am going to pay off my debt. It seems that everyone I talk to just tells me to do balance transfers and put the money on a new card. Unfortunately it’s a little late for that as all of my credit card debt is in collection accounts. Yes my debt is that bad, that is what happens when you lose your job and can’t find one for over a year, twice!

I’m slowly working on it, but it’s just not happening fast enough. I was thinking I might try to take a loan out on my car, but I don’t know if I want another company checking my credit, since that brings down your score too. I hate that, why can’t they give you a few free ones? Someone who is trying to get a loan or a credit card to help build their credit is just screwed and gets a credit score that is even worse. Really I think the scores favor the rich who have money, not the ones that need the credit.

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