In the times of today everything around us just seems to be steadily rising in cost. Many of us are just living pay check to pay check and opened up some kind of credits or loans at one point in our lives. When we open up the loans or credit cards it is just a temporary solutions to our problem. As the bills begin to start coming in we tend to fall further and further behind on them. At this point we have even opened up more loans or lines of credit to take care of those payments. This really does create a problem after time because the interest rates and finance charges that are so high that you are really never paying your bills down. The monthly payments are so high that you are now unable to make any payments on them because it effects you paying your rent, utilities and even food. Now you have the debt collectors calling your house, your cell phone, or even worse your job trying to get money from you. This can be an very embarrassing thing which in turn can cause you and your family so much stress and unsettled feelings.
Although you will gain control back there are some things that you might want to know before doing it. These things for the most part do not really matter to most of because the long term effect is what we are all after.
My advise to you is that you might want to do some research before you actually decide to sit back and do debt consolidation. After all Debt consolidation is just another fancy name for a refinanced loan with some extended repayment terms. this simply just means that you will be paying off the debt longer at a lower payment. There may or may not be a lower interest rate when everything is said and done. You will still have to hold up the terms of this agreement for it to work and put an end to your debt.
There are a lot of programs out there that can help you gain control of these financial burdens. Graylock and Advisors is a new company that is up and coming. They can advise you on the steps that you can take to help you gain but the control that you have lost. They are really new so you are going to what to keep your ear out for them. They specialize in debt consolidation which is a great program to do when in debt. With debt consolidation you can put all of your bills into one monthly payment that is within your budget limits. This is such a great option to do and step in the right direction and for the most part it will lower your monthly payments. This will make the harassing phone calls stop and life with become a lot better for you to deal with. It will take the worry of every time the phone rings is it someone to collect on a bad loan or credit card.
We had such a good time t the Pumpkin patch with the kids this year. They are at such a fun age right now. The whole way home in the car our 3 year old kept telling us Thank you that she had so much fun. This is something that I want to continue to do with them. It was a great fun and great food at a very low cost. These are the memories that we as parents just want to treasure and our kids will remember for years to come.
We will have more memories to add to this post to share with you.
Having Grandparents in your life is so important. Many people have them and totally take them for granted! They are such a blessing to us and our children. They are full of knowledge, stories and most important love.
Just this simple walk down the street is a big thing to a child. It creates memories for them. They have a bond that is so different than a Mother and Father have with their Children.
This is how we spent our Easter Sunday. We went Spent the day at their Aunts House. The weather was perfect. The Kids had such a great time. I wish Danica and Shane could have been there with to Share it with us. Family time is the Best. It looks like Kaleb’s Basket is bigger than he is.
They had such a great time coloring there eggs. I Don’t think that you ever to old to enjoy the fun of Easter morning. They wanted there eggs to be just perfect. I think the older kids had just as much finding the hidden eggs as the little ones.
Kaleb was finding them but I don’t think that her realized exactly what he was doing. Once he found one all he wanted to do was play with it instead of finding more. This was his first Easter egg hunt. He did end up finding ten eggs.
Once Little Miss Ryan got started she wouldn’t stop. I think that she found just as many as the older kids did. Look out Big kids next year Ryan may just run circles around you.
This is Our Daughter Randi she is 12 years old. She is such a great kid with a heart of gold. Her favorite colors are purple and green. When she gets older she there are a couple of things that she is interested in doing. The first one would be a chef and the second one is a palaeontologist (a person who studies fossils).
Randi is in the Gate program in school. With her grades and determination she will have no problem accomplishing anything she wants. In her spare time she loves to listen to music and ride horses. We are so proud of the young women she has become.