Lost Time

I spent a part of the weekend polishing up more of my fiction. I've got another one on Hubpages for those who are interested in reading it.

I might not be making a ton of money by putting these up, but I love sharing them. They're likely to get more attention this way than sitting in my desk drawer, right? Plus, I really love going over it all again. The nostalgia is great! :)

Lost Time

If you like this, or any of my other short stories, feel free to share them. It's really easy to link to them :)

Get the Best Deal on a Used Vehicle

Some of you may remember me saying that we bought a truck this summer. We ended up paying over 50% off the dealer price for it. Though it came with some issues that cut into our overall savings, we still came out ahead.

A lot of people have asked me how we did this. I decided to write an article about it to share exactly how we did this. If you or someone you know is thinking of buying a car in the near or even distant future, don't do it until you've read this:

Get the Best Deal on a Used Vehicle

I wrote this article on Hubpages so that it's easier for the general public to find and won't be buried by other blog posts. Also, I've decided to take part in the 30 Hubs in 30 days challenge. Wish me luck!

Check Your Credit For Free! No Catch!

I've already told you about how to get your free credit report from Annualcreditreport.com. But it turns out there's another way to get not only your credit report, but also your credit score, profile and other extras for free. No, I'm not kidding.

I stumbled on this site by accident after my husband won a year of free credit monitoring from Quicken Loans. They're currently doing a sweepstakes, which I found on Freebies4Mom. Anyway, I decided to see who this company was who was doing the credit monitoring. It's called Quizzle.

They do offer other optional upgraded services for a fee (including helping you with a budget and giving you credit improvement tips), but you get quite a bit for free and you don't have to purchase anything or give them your credit card number. You don't even give them your social security number. How then, do they look up your credit report? With your name, address and birthdate.

You can find out more about the company in their FAQ section. Go check it out and stay informed!

Forgive Me, Daddy

Here's another story I put up on Hubpages today. All-in-all I think it's been a very productive day. It's felt really good to pick up my fiction again for a bit. Even just polishing it up and then writing a short history on it is a great release. I think I'm learning from this experience too.

Don't worry though, I promise not to stop doing articles;-)

Forgive Me, Daddy

Shadow Of a Man

First of all, Happy Veteran's Day! I'd like to thank all the men and woman who have and are serving our country and protecting our rights. May God be with you always!

I decided some time in the middle of the night last night that I wasn't going to let my short stories sit in a drawer, gathering dust anymore. So I decided to put them on HubPages to share them, along with a little bit of the history behind them. There's even a chance that I can make money from doing something else that I love! So if you want to read some short fiction, the link for the first one is below here. It's an appropriate read for this holiday :)

Shadow Of a Man
*The picture here is of the war veteran this story was written for*

Another Avenue for Revenue

After much research today, I've discovered another way to make money writing. If you like to share your experiences and wouldn't mind making money doing it, check out HubPages. You can also make money by referring others. It's a pretty straight forward process to write articles and then link your adsense, amazon or other affiliate programs to your page; therefore generating revenue for your pocket.


Here's the link to my first Hubpage:
How to Modify Your Mortgage

Another great thing about this is that I get the word out on how to be successful in modifying your mortgage. Two birds, one stone (not that I'm into killing birds, now that I think about it. Whoever came up with that saying anyway? Hah!).

e-How Writers change to Demand Studios

I starting writing for e-How last year, and was quite excited about it to begin with. After writing six articles though, and realizing that the only way I would make money off of any of them was if people clicked on the ads displayed on my articles' pages, I quit writing for them. I kept my account open though, and basically forgot about them.

Then, this year, e-How stopped accepting articles through their website and switched everything over to Demand Studios. I received notice that I had been approved to write for them, but the way things worked would be quite different as far as article submission and payment.

For starters, there is now a copy-editor involved. This copy-editor can tell you to rewrite your articles and even outright reject them. That's an intimidating thought, but not a deal-breaker. The fact is, most people could use a copy-editor and I'm no exception. In fact, if I could get one for free right now, I'd have them go over everything I write, so that I don't make myself look like an illiterate idiot with some of the typos I make. Yikes!

But then there's also the way payment works. Apparently it's a flat fee (some say it's only $15 per article). That might not seem too bad for some people at first sight--especially considering I had stopped writing for e-how after only making $12 the first six months on six articles--I must tell you that I now wish I'd written more for e-How before the change-over. Why? Because those articles are still making money and I'm not having to do anything now but watch it happen. Though the amounts are still quite paltry, it's increasing over time and will eventually surpass that $15 flat fee per article. That's what you call passive income.

So, I'm unsure on whether or not I'll follow through with the Demand Studios account. I can't rule it out entirely as a possibility to make money writing. They have a great reputation for paying each friday with a transfer to your paypal account. Dependable income can't be overrated.

I'm sure I don't know all there is to know about this company, so if I discover anything new, I'll let you know.

Bad Blogger! Bad!

Okay, I know I've been neglectful, but I'm hoping you'll be forgiving and realize that it does take quite a bit of time to raise a family with five children. Gee, who'd have thought it? ;)

On a positive note, I am continuing to learn of more great ways to make money and save money. This is, of course, my mission in life. I'll never tire of that, and so I'll always have fodder, I should think, for writing helpful posts for my readers here. The only hard thing is getting the time to sit down and organize my thoughts and information so that you can get the most out of it. I also have to make sure it's not gibberish and the obvious product of a sleep-deprived brain! Haha!

So on that note, I'm still here, and I'm still willing to help those who can use my experiences to better their own lives.

Savings for New Moms

As new mom of an 8 week old baby, I know how pricey things can be. If you're able to breastfeed, that's the ideal nutrition for your baby and a real saver on your pocket-book, but it's not always possible.

There are savings out there for moms who use formula, so be sure to take advantage of that if you can. A few websites out there where you can sign up for samples of formulas and coupons are:

Strong Moms (Similac)
Enfamil
Gerber Good Start

You can sign up at any one (or even all if you choose) of these websites for free gifts, coupons and samples. So be sure to take advantage!

Another great program out there to help you save on diapers is Amazon Mom. This is a new program that gives you savings of 30% on diapers. You get 3 free months of Amazon Prime Shipping when you sign up, plus earn an extra month free for every $25 you spend in the baby store.



So what are you waiting for? Go start saving! :)

If You're "HAMP-Y" and You Know It, Clap Your Hands!!!

We finally did it! We got our modification. It took nearly a year and a half since we first applied, but it's a done deal. We got the signed papers back from the bank last week and the new statement came in the mail with our lowered payment.

A Bank of America service agent told me that they've also put in the order to fix our credit, so that it will show that we've been current (this should be a big boost to our credit scores, which took a big hit when they wrongly reported us as delinquent during our year-long "trial" period).

It's been a long drawn out process, but I'm so happy that we saw it through to the end. I'm sleeping much better at night now. I know my prayers have been heard and I'm so thankful for how this has turned out.

I'd like to caution any of you out there who are trying to modify your mortgages, to watch out for the scammers out there. I know of people in our neighborhood, as well as family members of friends, who have gone to and paid outside sources to help them save their homes, only to watch their homes go into foreclosure when they've been told by the company they hired that everything was fine. Please make sure you check with the Better Business Bureau before paying ANYONE to help you.

Help is out there. You can do it on your own, as we did; or there are companies that can help you for free. For more information on this process, you can read about our experiences and all we've found out here.

God Bless!