Gather Little by Little

Was reading an article on CNN Money that said the following:

Good debt includes anything you need but can’t afford to pay for up front without wiping out cash reserves or liquidating all your investments. In cases where debt makes sense, only take loans for which you can afford the monthly payments.

Bad debt includes debt you’ve taken on for things you don’t need and can’t afford (that trip to Bora Bora, for instance). The worst form of debt is credit card debt since it usually carries the highest interest rates.

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When we first decided to get control of our finances and change the way we were living, I seriously considered whether we should seek the advice of a financial planner. The struggle I had of course was, if I need to get my finances under control why should I pay a financial planner to help me do that? The cost of a financial planner could go towards paying off my debt.

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James 1:12 – “Blessed is the man who perseveres under trial, because when he has stood the test, he will receive the crown of life that God has promised to those who love him.”

Update: 10/9/2007 – This post is dedicated to “Rich”. “Rich” passed away on September 26th. He was surrounded by his family when he took his last breath. He is dearly missed here at work, and my only wish is I had gotten to know him better.

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Today is carnival day and Gather Little By Little was fortunate enough to be included in two this week:

• The Simple Dollar hosted Carnival of Personal Finance #114. My article on on How To Make Your Money Greener was included.
• I’ve Paid For This Twice Already… (a member of the M-Network) hosted the 101st Carnival of Debt Reduction and my article on Key Steps You Can Take Now To Get Out of Debt was included as an Editors Pick!!

Thanks to both The Simple Dollar and I’ve Paid For This Twice Already… for hosting the carnivals and for including my articles.

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1 Timothy 4:4-5 Since everything God created is good, we should not reject any of it. We may receive it gladly, with thankful hearts. For we know it is made holy by the word of God and prayer.

During the summer, one of our more favorite things to do is head down to the local amusement/theme park for the day. While I enjoy riding the rides with the kids, I really enjoy just hanging out and lounging at the water park while the kids play.

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I am proud to announce that Gather Little By Little and the other M-Network blogs will be participating in Blog Action Day on October 15th.

Blog Action Day will unite thousands of blog voices all talking about one issue: the environment.  Personal Finance blogs including Financial Dominance, Gather Little By Little, I’ve Paid For This Twice, Moolanomy, Plonkee Money, Get Rich Slowly, and The Simple Dollar will be participating.

From the official press release:

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About a month ago, I wrote about two “free money” offers. I received the $50 bonus from Sharebuilder on Friday and transferred it to my checking account. Once it arrives, it will be promptly transferred to pay on my Chase Card.

The Hustler $$$ Blog posted about another one this week. Seems to be the real deal, so for a $1 investment and a 30 day wait, you get $50. Going to keep my $1 stock there, just to see what happens ;-)

Still waiting on the $100 from Citibank…should be soon though.

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Time for another gathering of the glblguy’s favorite articles/postings from the M-Network and the PF Blog Community. Oh yeah, this reminds me…glblguy…not I’m not the “Global guy”, I’m the “Gather Little By Little Guy”. Just wanted to clear that up :-)

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• Blog Network Watch announced the new M-Network we are part of. More details on the M-Network can be found here including the RSS feed.
• Moolanomy shares with us the 10 Things Golf teaches us about investing and the 10 Baby Steps To Financial Recovery

Romans 13:8 – Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law.

Let’s face it, getting out of debt requires a great deal more time and effort to get out of debt than it does to get into debt. Getting out of debt is not an easy or quick process. To be honest, it seems to take forever and it’s hard…real hard.

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Our neighbors for the past 5 or so years moved last weekend. They wanted to be closer to their family. While we completely understood why they wanted and needed to move, we really hated to see them go. We had watched their son and twin daughters grow over the years and had become very close to them. We miss them already.

Moving is tough, both physically and emotionally. Here are 7 tips to make moving a little easier and make a stressful activity less stressful:

1 – Pack Early!

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