But this was in the news back in the early spring, and our hr department sent everybody a note with their paychecks, and an email alerting them that they may owe taxes because of this and to check it out for themselves at the IRS website, using the link provided.   So many I have asked/talked to about this all know about this potential ...

[quote user="arianasilver"] I'll be getting up at 4:00 am to be there for doorbusters. I LOVE Black Friday!  The crowds don't bother me, most people are moving and know what they're after.  I've already been scouring the leaked ads, just waiting on Walmart's now.  Last year I got most of my Christmas ...

 A different perspective-- She has made no attempt to right the wrong-->chalk this up to one of life's lessons learned the hard way.  Small claims court costs money out of your pocket and the chances you will recover the money, even with a judgement, are slim to none.  Move forward and let it go.  At the end of the ...

 never have been, never will be Check out www.buynothingchristmas.org for a great list of Alternative low cost gift ideas.  Our Christmas gift shopping is completed for 2009.   

 We pay our monthly bills online for free.  We use cash envelopes for food, toiletries, household products, laundry, meds, haircuts.  It is a great way to stay on budget for us. 

 One of the great advantages of living in a rural area--nobody comes to the door--we spend $0

 Do you have a slashed to the bare bones budget in place and are you following it? Start selling the accumulated "stuff" you have.  It is replaceable.  Can you pick up a part time job to help get the debts paid?    

 Good article on getting started to living simply. We don't have cable or satellite for tv, no landline.  We have cell phones only. Old school here. 

 A great idea.  Teach them young to SAVE CASH, DELAY INSTANT GRATIFICATION, and AVOID CONSUMER DEBT. The borrower is slave to the lender. 

 We are Dave Ramsey TMMO-ers and retired FPU faciliators.  The TMMO book is a Readers Digest condesnded version. Financial Peace University Revisisted is the book with all the nitty gritty details. The advice is basic common sense advice, aimed at a general market--ALL can benefit from his advice--even when it doesn't apply to ...