What To Pay When You Can't Pay Everything

Written by Terry J. Rigg


Continued from page 1

Once you are sure you have enough to eat and a roof over your head you can start thinking about your other bills. The secured loans, like your car payment, should come before your unsecured loans, like your credit cards.

The reason for this is simple. Creditors that have secured property will sue or repossess much quicker thanrepparttar credit card companies.

If you find yourself in this situation it is a sign that you need to do something drastic and fast. By not paying all of your bills each month they are going to add up quickly and you are going to accumulate a lot of late fees.

The best place to start is to find out exactly where you stand and what is causingrepparttar 110858 problem. This is as simple as listing your income on one side of a piece of paper and your bills onrepparttar 110859 other. Total each and subtract your bills from your income.

Your next step is to develop a budget. You can find a free and simple budget by visiting The Complete Budget and Bill Organizer at http://www.homemoneyhelp.com/BBOonline.html

Whether you use my budget system or another it is very important that you start one as soon as possible. For those of you that believe a budget is to restrictive, justrepparttar 110860 opposite is true. The only way you can get what you want and know you can afford it is to have a budget in place.

It is important that you pay all of your bills on time each month. When you don't haverepparttar 110861 money to pay everything it is vital to your survival that you payrepparttar 110862 most important bills first.



Terry Rigg is the author of Living Within Your Means - The Easy Way http://www.homemoneyhelp.com/ebookadpage.html and editor of The FREE Budget Stretcher Newsletter and Budget Stretcher web site http://www.homemoneyhelp.com. He has 25 years of experience counseling individuals and families concerning their personal finances.


Preschool Fun - Pots & Pans and Numbers

Written by Tami Crea


Continued from page 1

MATERIALS NEEDED:

Dice

Six or twelve pots and pans

Small pieces of paper

A magic marker

Tape

A bean bag or small soft ball

ACTIVITY STEPS

1. Countrepparttar dots on each ofrepparttar 110857 six sides of one ofrepparttar 110858 dice

2. Writerepparttar 110859 numbers 1 to 6 on separate pieces of paper

3. Tape one ofrepparttar 110860 numbers to each one of six pots

4. Roll one ofrepparttar 110861 dice and matchrepparttar 110862 number that comes up torepparttar 110863 printed number onrepparttar 110864 pot

5. Stand a few feet away fromrepparttar 110865 pots which you have placed onrepparttar 110866 floor and see if your pre-schooler can throwrepparttar 110867 beanbag inrepparttar 110868 pot that hasrepparttar 110869 number on it that matchesrepparttar 110870 spots onrepparttar 110871 dice

6. Continue playingrepparttar 110872 game taking turns with your child to see who can matchrepparttar 110873 most numbers asrepparttar 110874 dice are rolled

Tami runs a free newsletter called preschool play. To get more free activites to do with your child. Visit http://www.preschoolplay.com. Also, check out our great new "Just for Mom's page!" Join our free newsletter at http://www.preschoolplay.com




    <Back to Page 1
 
ImproveHomeLife.com © 2005
Terms of Use