I’ve never owned a credit card. The only time I would like to use one is to simplify online purchases, but there are ways around that. I do not know anyone who does not have at least one credit card, and I do not know anyone who does not have credit card debt. Here is a very simple way to save money. Cut up your credit card/s.
Interest rates for mortgage loans may be falling to an all time low, but credit interest rates don’t change. How do you think the banks make all their money?
If you don’t want to give up the luxury/ headache of a credit card, focus on paying it off. Make more than the minimum repayments. Once you have paid it off ensure that it stays paid off.
Perhaps I sound a bit harsh in this post, but I really think it is up to the individual to be responsible with money. Part of that is not spending more than you earn and not spending money you don’t have (credit). Think about how much more that purchase is going to cost by the time you pay it off on your card. Is it worth it? Could you wait a bit longer and save the money, hence paying no interest?
I know that if I did get a credit card I would be constantly tempted to use it – its a temptation I don’t need.
I’ve been thinking of combining doll and bear making for ages – and here she is!
I just happened to have some left over fur fabric from the bear I’m making for the boy, its so lovely and soft. I think this one would be a perfect night time companion. She is in my Etsy shop now, although some “little people” here would prefer that she stays……
SOLD – Thankyou Krissy!
Here is what I came up with yesterday, I would make changes to the pattern if I make any more. The kids were competing over who was to be the new owner, but the boy won out. Unfortunately the rabbit was declared “too stiff” for snuggling in bed with!I’ve been checking out the Duggar’s website, this family has inspired me for a long time, truly wondrous.I hope you enjoy your weekend in peace and joy. God bless you all.
What a blurry photo! I just finished this little doll tonight, she is so cute! She is a pouch doll with a knitted body and hat. I used some beautiful organic Victorian wool for the knitting, it is so good to use. I’m giving her to 18 month old daughter (no hair, so she can’t pull it all out!)
Here she is as promised. She is the first doll I’ve given a fringe (bangs if you’re not an Aussie) and it looks quite cute. I gave her freckles too. She is 9 inches tall and going to reside in my Etsy shop today.
Yes, we are expecting baby no. 4 sometime in August next year! I’m very excited but have also been terribly sick, hence my continual absence here. Feel free to leave your pregnancy nausea tips here, there may be one I haven’t tried yet!
I’d also love to hear from anyone who has had repeat caesarians as is unfortunately the case with me.
Today we are trying to make preparations for Christmas which has been seriously hampered by my condition this year, but we’ve managed to make decorations, do the tree and are making marshmallows. The lunchtime bread is made and cooling. We’re keeping our food fairly simple this year too, my dear husband has to work Christmas day but there are prawns in the freezer and a lasagne (kid’s request) in the works. Husband will make his famous truffles as usual. We will attend the vigil mass tomorrow evening.
What a lovely time of year, I hope yours is too.
22 hours and its still going! Water poured into the tank all night and the garden is totally soaked.
I heard on the radio that some areas have received nearly 100mm, and more heavy rain is expected later today and tonight. Thankyou God!