Thursday, February 18, 2016

Things I am glad I beeped up when I was "younger"

From the day that I was born my mother always was instilling how to save money and so on. Thanks to Capital One my mom was able to get a credit card under my name at the age of 16. It was like a credit card which helped me build credit early in life and if I didn't pay my bill my parents would have to because they were basically like co-signers for the account.

Anyhow my mom got me this love credit card, and I refused to use it because I just didn't like the idea of owing  money to anyone, but she kept at me and kept at me and finally we went to Bealls and the first purchase I made was for a pair of gold stud earring ( which I still have and never wear) and it was about $60 for them. was easy to use this lovely thing called a credit card, so I began to use it more and more. I paid my bill and all was I thought.

Moving on I am now 20, my parents are moving away to a city which I do not want to go to and I am with my boyfriend of 5? years and because of how I was raised I didn't want to live with him until I was married, yeah I was no virgin but still I wanted to at least respect my parents and marry someone who I intend to live with. That being said we had already once had a date in June this was pre-my parents moving and it was now late October and they wanted to move so I was in the hot seat of move or marry. Anyhow I didn't like the idea of moving into a apartment, I wanted to get a home that I owned because who wants to waste money........again didn't know.

Well I have had credit for 4 years and basically my credit is AMAZING I am like high crazy high numbers for a credit score so we get a nice 2 bedroom 2 bath mobile home fully furnished even, which hello for being 20 that is like amazing I am now in a fully furnished house and its MINE! Get married, both of us have good stable jobs, and bills are being paid.....

Baby number one comes, still doing great, paying bills everything is great, find out baby number 2 is coming right behind baby number one, I am 21 with baby number 2! whoooo!!!!!! Baby number 2 comes I am not working cause I was not ready, so only on husbands income which is great big money!!!! He is in the field of installing tv cables and wires for lights and such, crazy good money.

When finding out having baby number 2 we went and bought a van from POS Crystler Dodge whatever whatever its a used van and it doesn't have a warranty drive it off the lot and service engine light comes on.....AWESOME!!!! anyhow we are making payments on a pos van, so we have big payments of a van, house, and credit cards, because of course in the 4 years I have got a few cards nothing crazy like 3, with a interest on each of no more then 10% if that more like no more then 5% really because I have amazing credit! Each card has no more then 3k to spend. I think I might had one at 10k but asked to have it dropped lower so I wouldn't ever be beeped.

Well its 2004-05 and the housing market takes a major hit and boom my husband is out of a job! Which in FL unemployment is a JOKE so now we can't pay jack shiv, and guess what we are using to pay bills????lovely beeping credit cards! whoooo!!!!!

Well, I am now 32, and don't know if credit cards still offer this but back in 04-05 they would offer "deals" which were checks that you would pay off your other credit card and put it on the other credit card which would give you a lower "deal" sooooooooo we are on vacation thanks to thing kids are amazing for :) lol (no really I do love my kids) and I had sent a check to Chase, beeping Chase denies the check?!?!?! I don't remember what exactly it was but like they were worried about whatever and not me or some crap, anyhow from that everything went to SHIV!!!!!!

Because of the one beeping check that Chase denied, my interest went from 5% to 25% so my monthly payments of 20 bucks went to a minimum of 200! Hello!!!! my husband just lost his job and now I have to pay more to credit cards!!!! WTH! So now I start focusing on paying what is important, of course when he had lost his job I cut the cable because I had a vcr, and used the neighbors wifi :) so I was able to stream movies and such without paying a penny. Then went the credit cards because whatever I already got what I needed from them, so I was not worried about paying them off when I needed to keep a house over our head, and then went the van I was happy to see that pos leave, it was not worth the 12k they wanted for it, plus I had another kid on the way while husband had a great paying job which was baby number 3. Then number 4 came after which I tried everything to have my tubes tied but did you know that you have to sign some stupid paper which they make you wait 30 days after to finally do the procedure? I sure didn't but that is another story and why baby number 5 came and I was finally able to close shop :)

Back to I am now 32, we lost our house or should I say we grew out of it so it wasn't a lost even though it was later on foreclosed on? I honestly don't know we never got anything saying we had to leave but I didn't wanna wait for that either, because we are a big family so its not exactly easy to move.

Now sorry again 32, we are renting a house, brick house, 3 bedrooms, 2 bath, pool, and backyard, not to horribly far from everyone, and we can afford it, we bought are cars from owners and OWN them so don't have to worry about paying off anyone, we stream through netflix, hulu and amazon and whatever else which saves on stupid cable, are credit is back to average, because its been 10 years almost sense we messed everything up, and yeah its not horrible.

So, back to things I am glad I beeped up when I was younger, I am glad I went through the bs of owning a home, well making payments on it and making payments on a car and having credit cards because I am so done with it all!

I like not having payments I have no worries of a tow truck showing up and taking our life line to the world, because I own it. I like renting because I really don't enjoy living in FL although I am kinda throwing away money I am only 32 I have a long life ahead of me yet so I like the fact that if I wanted to move tomorrow I could, I wouldn't have to worry about selling my house, or paying two mortgages I am kinda free, I don't have any stupid bills, and that is nice. Also lets face it, sadly a lot of people buy a house together and then split then what you have that mess to deal with, so yeah I am again glad I learned all this now. I started young and now I see all my friends and family doing what I already did 10 years ago and its kinda sad because when they figure it out they won't have as much time as I do to make everything right.

Stop using credit cards they are a evil that suck you in and screw you over, if you wanna build credit, get a card put a bill that you must pay on it and cut the thing up! Set it so your computer pays for you and you will never have to see the card again!

Buy a car out right, yeah a new card is nice but costly and think down the line will the really hot mustang work for when you have a family? How long do you really wanna drive around in the car you got brand new? Used car is a joke don't even waste your time because it will IT WILL break down well before you ever pay it off! Buy a used car from a owner who has had it keep it tuned up and it will last as long as you want it to and it will hold its value if you respect it.

Want to buy a house? Great but think again in the future... does it have as many rooms as you might some day need, is it in a location that is built up and will stay the same? Or are prices gonna increase neighbors change often etc. Renting you have the freedom to move and get a feel before you settle.

Yup, I am glad to have beeped my life up when I was younger, although you do learn as you go :)

Monday, February 15, 2016

Stupid Bluebird American Express Card!!!!! Beep American Express Computers!

Okay so I got my tax refund, and I had it placed on American Express Bluebird account under my husbands name because I supposedly had a account with them, and I had got this card about 2 years ago when Walmart was doing the double rewards if you had the account.

So anyhow I went closed all bank account because I was sick of them and there games and over all the bs I rather be denied to buy something by a penny then get a overdraft charge of $35 for going over that f---ing penny!

Sense I already had bluebird with Amex I figured okay can make a family account and add myself to the account, so I called had to close my supposed account and then was able to set myself as being part of a FAMILY ACCOUNT!

SO people who decide to read my rant, what the hell do you think a FAMILY account is??????? You would think that it means you can transfer money to and from and no charges etc because its basically a joint account right?!?!?! Okay well this is what I figured. Soooooooooooo I get my f-ing tax return so I have a nice amount of money in my husbands account. Anyhow I transfer it all to my account because I wanna pay bills but then think oh well maybe he is the only one who has the bank account, so I transfer it all back to his card. Okay no issues I am not spending anything and nothing is being taken out.

SOOOOOOOOOOOOO I Go to use my f-ing card and its DENIED mind you in my account is a few hundred, so I call Amex, they proceed to tell me that I have spent over 19k this month and my cut off is 15k so I can no longer use my money in either account his or mine!!!! I cannot access my MY f-ing money until March!!! Because I somehow spent yes SPENT 19k!!!! So I was like how the f---!!! did I spend 19k?!?!?!
Turns out me transferring money back and forth in a f-ing FAMILY account is SPENDING money!!!!! Are you fu-ing kidding me!??!?!?!?

Who has ever heard of such a thing and thanks to technology they can't do shit, because the computer says I have spent my limit and they cannot reverse it!!! So wow I can't pay bills at all because all my f---ing money is tied up because I transferred money! AWESOME way to f--ing go Amex!!!

Note to @AMEX change your shit before you have a class action lawsuit how f---ing messed up! Don't call it a f---ing family account if you can't use it as such!

End rant!


I am really not enjoying the new year so far, my kids have been sick and it seems like we are all starting a round 2 of whatever is going around because the lovely weather here in FL is bipolar. Today its cold out with wind which makes it feel like 50 which yeah not cold but cold for FL, then tomorrow it will be 90 feeling like 95-100 its wonderful! NOT!!!!

My lovely youngest has been using her vocabulary her favorite word is Damn It! which yeah, makes me look at self and think wow I seriously need to work on that. Which ahhh cussing, why is it I do it like a sailor when around some and then others not a word comes out of me????? why can't I never say it at all??? Gotta love the human mind and body, we really are some interesting species.

Lets see oh I have a dog, and he a puppy right now, which is like having a toddler in the house, he pees in a few spots which for awhile he was peeing on paper but gave up on that and now pees in the kitchen or tile wherever he feels he has to go he goes. He chews on everything which we have gone through like 3 harnesses and a leash, he has his own toys but wants to chew on those and then also my chairs and wall. My neighbor gave me a spray which is supposed to make him not want to chew on things which you spray it on, so we will see how well that works because this morning before I sent him with the hub I sprayed the crap out of the harness. This is another fun thing, is my dog is almost 7 months and he is to big for the "medium" that they have for a harness and to little for the large! AHHHHHH so he is in the large right now which I hope with the spray he won't chew off. He is a pit, although he looks more like a german shepard. I stress about making him happy and I try to get my kids to annoy him so he is okay if a toddler ever came up to him, because its not the pit ITS NEVER THE DOG its the owners who make bad dogs. But because you only here about pits on the news people think they are this horrible mean dog, which is not the case.

Paige my friend/ who I call sister will be down for what I call our Christmas which is going to the fair, I love the rides and now with no more toddlers I can go on a lot :) exciting. They have this thing called car load night which its $50 for up to 8 people, which includes admission to the fair along with unlimited rides! For me its a HUGE deal I save over $130, easy! Can't wait!

Oh I know what I was gonna say this last weekend, we replaced my shocks, wheel hubs, and ball joints, top and bottom. I helped as my husband did most the work, but lets say if I had to I could so do it now. We also replaced my brakes, which what we couldn't figure out we Youtube, it. I almost always forget that you can google and youtube things, which you can pretty much find anything to fix anything. Which speaking of Youtube, my dishwasher broke, so for a week we were washing dishes, which you could imagine how much that was with a family of 7. So the weekend came and we still hadn't done anything about it, I decided to google it and see if I could find out what it was. My issue with the dishwasher was that the water was not coming out, the thing would turn on run the cycle but no water. Okay so when I googled it, it sent me to youtube, where I found out that they have a floater, and it could be stuck in the up position and guess what I looked and the stupid thing was stuck in the up position so I pushed it down and had water. WTH a whole week of washing dishes and it was that simple of a fix!!!! Don't get me wrong my dishes never looked better and thank god I didn't have to spend money to fix or buy a new dishwasher but wow! So yeah that has been my lovely year so far, along with Paige's son breaking his arm, father in law and a second heart attach and my dad cutting his finger :)

Hope your year is going better and thanks for reading :)

Friday, February 12, 2016

Catch your child's smile and you can win!

Did you know that February is (GEDC) Children’s Dental Hygiene Month? I sure didn't and to make things even more exciting, Great Expressions Dental Centers is hosting a "Show Us Your Smile" event which your kid can win a bike and their own movie bundle. 

Children are encouraged to participate in good oral hygiene practices, which will lead to long lasting healthy teeth! Great Expressions Dental Centers have launched a contest which is being held on Facebook. Parents, can submit a photo of their child's best smile for a chance to win a free bike and movie bundle. Winners will be selected once per week throughout the month of February, this means you have more chances to win : D 

Disclosure: In order to facilitate a review, I received promotional materials and/or samples. All opinions and comments are my own.Photos or Reviews or were provided by client with authorization for use in this campaign. No additional compensation was received. Post may contain affiliate links. Please contact with any questions.

Saturday, February 6, 2016

Valentines Day! This year be Sinful.................

What female doesn't enjoy dressing up and looking good? Valentines Day is just around the corner and what better way to express oneself then being well Sinful. SinfulColors polish that is! With a whole new line of colors you will be sure to find the perfect shade to make you stand out and feel great. Even better yet, bottles only cost $1.99! How can you go wrong? You can pick up your new look at your local Target, Walgreens, Walmart, Rite Aid, and other drug and mass retailers. Remember this year, be a little Sinful. ;) 

Be sure to be on the look out for the new limited edition Love Bombs glitter, which include lavender and pastel blue glitter with heart shaped glitters. Plus, pick from a range of SinfulShine Gel Tech shades ($2.99 per bottle plus Top Coat $2.99) that will keep you on cloud 9 whether you’re rocking Valentine’s Day with your girls or cuddling up to your sweetheart.

Disclosure: In order to facilitate a review, I received promotional materials and/or samples. All opinions and comments are my own.Photos or Reviews or were provided by client with authorization for use in this campaign. No additional compensation was received. Post may contain affiliate links. Please contact with any questions.

Monday, February 1, 2016

Just in time for Valentines! Avon

Looking to pick up some good deals? Need a Avon lady, check out this link to get your Avon on.