Trip to Sams Club
Last night we made a trip over to Sam’s Club in Concord (www.samsclub.com) because Cindy’s parents told her there were some major deals there to save on food. There were visiting, and Cindy’s mother has a Sam’s Club card. So we decided to go and take a look. But before heading over, we picked […]

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One of the biggest problems we have at the moment is the fact that our credit card payments are too high. With the level of debt that we have to pay back, our minimum credit card payments total $800 every month, spread over four credit cards ($200 each). If we’re ever going to have any chance […]

Consumer Credit Counseling – A Perfect Solution
CCCS has an organization in every state, and we found ours for New Hampshire and Vermont. Their website is http://www.cccsnh-vt.org/
On their website, they show that they help with:
- Free credit counseling for residents of New Hampshire and Vermont
- Low-cost debt repayment plans
- Federally-approved bankruptcy briefing & counseling
- Financial […]

Living on a Dime – Part II
Well…that was an eye-opening shopping trip.
First we took the kids to Salvation Army. The outside of the store was nondescript and unimpressive. I mean, if you could pick the absolute worst part of town to put a store – where the streets are littered and dirty, and apartment […]

 
Living on a Dime
There’s no chance that we’ll ever make it if we don’t find some way to at least pay the mortgage. I don’t know how on earth we’re going to come up with over two grand – but if we skip on a few bills for a month and put everything we’ve got […]

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Faced with Foreclosure
Today was not a good day… Work went fine, but when I got home, retrieved the mail from the mailbox, and walked in the door – the day took a major turn for the worse.
As I stood at the kitchen counter, I noticed that tucked inside the stack of bills […]

How to Save a Fortune on Groceries
Groceries. They are probably the only household cost that is so variable and so prone to waste. Once we step into the grocery store, we’re susceptible to the marketing trickery and grocery-store psychology that seeks to entice us to buy.
Cindy and I went grocery shopping last night. It […]

One thing that is absolutely amazing about debt… there are a large group of people out there who think that because you owe them money – they have a right to harass you as much as they want.
All day, Cindy says that while she’s home the phone rings. Every two hours the phone rings, […]

How to Dine Out Dirt Cheap!
Well – after a long weekend of arguing about what to do about the debt collectors who keep calling every night, we’ve decided to write a letter to all of them. As far as I know there are four different ones who keep calling, and I just did a […]

This weekend was difficult.
My wife and I wanted to take the kids out to eat to celebrate my wife’s birthday on Saturday. We quickly realized that my didn’t have enough money to do it…but by then our kids were looking forward to going out. So when we said we’d changed our minds, the kids […]