I’ve been working in retail for quite a while now. It’s a job that has it good and bad things. But really, I guess that is what you get with every job. With my current job I really don’t like how we have to bother each and every customer. They get annoyed and start acting rude when I really didn’t do anything wrong. I’m just trying to do my job. I ask them for help and they catch an attitude. I ask to see their ID when they pay with a credit card and they huff and puff and then throw the ID at me. I’m just trying to help you people out!

Everyone knows about identity theft but I guess they figure it wont happen to them. Someone stole my moms wallet before and it had one of my credit cards in it. They went charging away. She noticed it was gone within an hour and the damage had already been done. I’m just trying to help other people. If I didn’t ask for ID and their card was stolen the first thing they would say is “why didn’t you check?” You have to be careful at retail pos systems because if you can just go around swiping your card everywhere what will happen if you did lose your wallet? You would be out of a ton of money and you will be sitting there wishing someone carded the person who stole from you. So really is an additional 5 seconds that could save you thousands of dollars worth all the huffing and puffing? I think not!

When looking for a place to stay I considered getting a home. A home could be an affordable option if you are able to find a mortgage lenders. Also, when you have a home it feels more like yours because you don’t hear your neighbors entering and exiting the building. You can paint your place the way you like and do your own landscaping. All of that would make me want my own home. Owning something is truly a great feeling.

I’m on a roll! I’m sorry if my voice sounds a little scratchy. I think I’m losing it or coming down with a cold. Either way…here’s another “How-To” for you to enjoy! Please take note that I forgot to mention PayPal in my podcast and this is another great way to protect your credit! I’ll be adding a way for you to subscribe to my podcasts soon. Who knows…maybe you’ll want to listen to some of this stuff while you’re on your way to work/class or just lounging around the house

I’ve been in a financial bind lately. It’s hard living paycheck to paycheck especially when you don’t know when that next paycheck will arrive. I’ve been thinking about getting a payday loann if my situation gets worse. My rent is due in a few days, I’m running low on food, I’ve been paying my bills late trying to manage and maxing out all of my credit cards. Hopefully the storm will end soon.

It’s been all over the news. There is talks of a $800 tax rebate for low and middle income citizens. The economy is at an all-time low because everyone seems to be poor. It’s a struggle finding a job and keeping a job. Without jobs we can’t afford to buy things, and if people don’t buy things stores go out of business. The government expects us to use the $800 to buy things. That’s their motivation for doing it–to help out the economy. I don’t know about you, but I hope this does get passed. They aren’t going to tell us what to use the money on and I surely know I could use it on a lot. I can use it to pay bills, to pay 2 months of rent, to pay off some of my credit cards. It hasn’t been approved yet but it’s in the works. Bush is for it. Congress is for it. Everyone is for it. I don’t see it not getting approved so hopefully we’ll see some checks in the mail…soon! But remember, in order to get this rebate check you MUST file your 2007 taxes. Each person will get up to $800 and each household will get no more than $1600. I already filed my taxes…did you?

Debt Consolidation News is a site that can be helpful to everyone, especially those who are new to credit. I was reading an article on the site that gave tips to young adults about personal finance. This post gave some good, solid advice that everyone should know, not just young adults. I think I’m a pretty together person when it comes to my financial status. I’m not rich or anything, but I know how to budget and save. I pay my bills on time, and sometimes I even say no when I see a sale [or free shipping]. Debt Consolidation News gives you tips on loan consolidation as well as ways to save money so you can buy that house you’ve always wanted in 5 years. You can do a lot with your money if you plan ahead, and this site just gives you a little push in the right direction.

Are you currently in debt due to credit cards? I know many people will get a credit card and max it out and then refuse to make the payments. This can hurt your credit. When you don’t pay your bills on time they report you to the credit agencies and this could affect you in the future when you want a new house, car, etc. If you have some lines of credit just hanging out there somewhere you should consider debt consolidation. All of your bills will be combined into one low monthly payment. There are special programs for people who live in other states with Credit card debt such as New Jersey Credit card debt consolidation and Colorado credit card debt.