Thursday, May 14, 2015

Happily turning down extra money

I've noticed a resurgence in credit card offers in the mailbox lately. We must be doing something right, because the sharks companies apparently are realizing that we are serious about paying down the balances rather than running them up. And I think they are worried (we had to be some of their best customers!!).

Here's the latest:




So, run up that card and we will bless you with a few extra pennies .... 

Yeah, no thanks.

Sarah

P.S. Hey, Kim, no extra payments added this time ... but soon!

57 comments:

  1. Yes I notice that also! They are constantly sending things to my two youngest that have their mail sent here. I throw them away before they can read them. I have to watch you.......so closely........

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  2. This probably sounds rude, but I'm honestly curious: how did you end up with $167k in credit card debt? It's kind of mind-boggling and I'm wondering if you might be willing to explain what happened.

    ReplyDelete
    Replies
    1. Hi! Well, it's not exclusively credit card debt. There was a car loan (CarMax, paid off) and student loans (financing our children's college). Our debt was largely a result of juggling the expenses of one child who is chronically ill and has astronomical medical expenses, college expenses for the other two children and some admittedly poor decisions. Caring for a special needs child meant living on a single income. I don't know if that sheds any light or not. But to give you an idea of the expenses we had: We had to build an accessible bathroom on to our 1971 ranch home ($35k); adapting a van with a wheelchair lift ($15k); plus our 20% share after insurance paid 80% for the $100k of medical equipment in our son's room. It adds up quickly and we didn't have a plan and let it get out of control. We currently pay $19k out of pocket annually for caregivers to cover what Medicaid doesn't pay. Much of the time in the past, we just turned to credit cards to pay these bills. Now, our income is much higher and we try to cash flow these expenses while paying down what we owe. You are right, it's mind-boggling! But we are paying every penny back - it's just taking a long time!

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  3. I don't even open those buggers ..... into the garbage they go!

    ReplyDelete
  4. You're on to those scoundrels!! Congrats on getting debt under control - I'm so proud of you :)

    ReplyDelete
  5. Way to be proactive, Sarah! It's good to know that you're straying away from things that may cause your debt pile to get higher. Those offers aren't cons, but they'll feel just like that once you receive the bills. Anyway, I hope you're doing well with regard to tackling away your debt. Kudos!

    Shelby Heffner @ Cash MGR

    ReplyDelete
  6. Good for you! Those companies should know better than to trick you into getting yourself into more debt. I know the offer might sound good the moment you read it, but it will totally bite you back in the long run. Hahaha! At any rate, I'm proud of you for tackling that situation in a clever and careful way. Thanks for sharing that! Kudos and all the best! :)

    Naomi Cruz @ 4 Pillars

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  24. God has bless me with three kids and a loving husband, i promise to share this testimony because of God favor in my life, 2 months ago i was in desperate need of money, so i thought of having a loan then i ran in to wrong hands called Mr Frank Williams, who claimed to be a loan lender not knowing he was a big scam, he collected $5,000 from me and refuse to email me, after i have send him my money, since then i was contuse, but God came to my rescue, one faithful Sunday i went to church after the service i share idea with a church member and she introduce me to a loan agency called Destiny Brown said he was given $200,000 by the loan agency, i collected the loan agency email address and his phone number, and i emailed them on Monday morning, he told me the rules and regulation and i followed, after processing of the documents he gave me a loan of $100,000, anyone can contact him through his email: destinybrownloanfirm@gmail.com and i know that he must lend you any amount of you need, because he is the best loan company in the worlds thanks to you all

    ReplyDelete
  25. Welcome To George Clydesdale Loan Service….

    Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?.

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    Thanks for your cooperation
    George Clydesdale...

    ReplyDelete
  26. Do you need Financial Assistance? We can help you
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    Yours Sincerely,
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    dedeoglu.kocar@consultant.com

    ReplyDelete
  27. Hello everyone,

    I am Robin Lamura by name, am writing this Testimony because am really grateful for what James Morris did for me and my family, when I thought there was no hope he came and make my family feel alive again by lending us loan at a very low interest rate of 2%. Well I have been searching for a loan to settle my debts for the past three months all I met scammed and took my money until I finally met a God sent Lender. I never thought that there are still genuine loan lenders on the internet but to my greatest surprise i got my loan without wasting much time. my credit score is cool now. so if you are out there looking for a loan of any amount i would advise you to email the legit loan company via email: { jamesmorrisfundsoffer@gmail.com} and be free of internet scams. thanks… Robin Lamura from California, USA.

    E_mail: jamesmorrisfundsoffer@gmail.com

    ReplyDelete
  28. MY TESTIMONY FROM A LEGITIMATE MONEY LENDER

    Hello Everybody,
    My name is Mrs.Irene Query. I live in Philippines and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $150,000.00 to start my life all over as i am a single mother with 2 kids I met this honest and GOD fearing man loan lender that help me with a loan of$150,000.00 US. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs.Irene Query, that refer you to him. contact KELLY WILLIAMS,via email:(kellywilliawsfinancial@gmail.com) Thank you.

    ReplyDelete
  29. We The Muslim Family of Abdallah we give out loans to to everyone in need of money, we give out different loans, we are here to help you get back to your financier feet of money, my company aim is to make sure we Preserve oneself from been scam, by evil loan lenders,if you need a loan contact us on our email: Abdallah.afandi@financier.com

    ReplyDelete
  30. Welcome To Dr. Powell Garcia Loan Service…
    Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?.

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    ReplyDelete

  31. To Whom it may concern!!!

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    Name—-
    Amount—-
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    Regards,

    FROM: DAVID MIKE Loan Company
    +19513561932.
    davidmike756@gmail.com

    ReplyDelete
  32. How I got My Loan From A God sent And Genuine Loan Lender...

    My name is Mrs Maria Boston, I’m from Pennsylvania USA, I’m here as the happiest woman in the whole wide world because of what God has done for me through the help of a God sent and genuine loan lender his servant. I told myself to talk about the good deeds of any lender that will rescue my family from our poor & hopeless situation, i will and must tell his name to the whole world, I am so happy to say that my family is back for good because i was granted a loan of $85,000USD to start my life all over again as i am a single mum with kids and the whole world seems it was all hanging on me cause we had no one to run to for help. Not until i met a God sent loan lender that changed my life and that of my family, a GOD fearing man, a lender, the director of the company Mr Christopher Kendrick of KENDRICK INVESTMENTS LIMITED, he was the Savior God sent to rescue my family. At first i thought it wasn’t going to be possible until i received my loan amount of $85,000USD on the 2nd/June/2016. All thanks to him and to GOD for leading me into meeting him. My advise to anyone out there in genuine need of a loan is to contact Mr Christopher Kendrick through his official email:- KENDRICKINVESTMENTSLIMITED@OUTLOOK.COM because he is an understanding and kind hearten lender.

    Contact him today………………Thanks

    ReplyDelete
  33. How I got My Loan From A God sent And Genuine Loan Lender...

    My name is Mrs Maria Boston, I’m from Pennsylvania USA, I’m here as the happiest woman in the whole wide world because of what God has done for me through the help of a God sent and genuine loan lender his servant. I told myself to talk about the good deeds of any lender that will rescue my family from our poor & hopeless situation, i will and must tell his name to the whole world, I am so happy to say that my family is back for good because i was granted a loan of $85,000USD to start my life all over again as i am a single mum with kids and the whole world seems it was all hanging on me cause we had no one to run to for help. Not until i met a God sent loan lender that changed my life and that of my family, a GOD fearing man, a lender, the director of the company Mr Christopher Kendrick of KENDRICK INVESTMENTS LIMITED, he was the Savior God sent to rescue my family. At first i thought it wasn’t going to be possible until i received my loan amount of $85,000USD on the 2nd/June/2016. All thanks to him and to GOD for leading me into meeting him. My advise to anyone out there in genuine need of a loan is to contact Mr Christopher Kendrick through his official email:- KENDRICKINVESTMENTSLIMITED@OUTLOOK.COM because he is an understanding and kind hearten lender.

    Contact him today………………Thanks

    ReplyDelete
  34. How I got My Loan From A God sent And Genuine Loan Lender...

    My name is Mrs Maria Boston, I’m from Pennsylvania USA, I’m here as the happiest woman in the whole wide world because of what God has done for me through the help of a God sent and genuine loan lender his servant. I told myself to talk about the good deeds of any lender that will rescue my family from our poor & hopeless situation, i will and must tell his name to the whole world, I am so happy to say that my family is back for good because i was granted a loan of $85,000USD to start my life all over again as i am a single mum with kids and the whole world seems it was all hanging on me cause we had no one to run to for help. Not until i met a God sent loan lender that changed my life and that of my family, a GOD fearing man, a lender, the director of the company Mr Christopher Kendrick of KENDRICK INVESTMENTS LIMITED, he was the Savior God sent to rescue my family. At first i thought it wasn’t going to be possible until i received my loan amount of $85,000USD on the 2nd/June/2016. All thanks to him and to GOD for leading me into meeting him. My advise to anyone out there in genuine need of a loan is to contact Mr Christopher Kendrick through his official email:- KENDRICKINVESTMENTSLIMITED@OUTLOOK.COM because he is an understanding and kind hearten lender.

    Contact him today………………Thanks

    ReplyDelete
  35. How I got My Loan From A God sent And Genuine Loan Lender...

    My name is Mrs Maria Boston, I’m from Pennsylvania USA, I’m here as the happiest woman in the whole wide world because of what God has done for me through the help of a God sent and genuine loan lender his servant. I told myself to talk about the good deeds of any lender that will rescue my family from our poor & hopeless situation, i will and must tell his name to the whole world, I am so happy to say that my family is back for good because i was granted a loan of $85,000USD to start my life all over again as i am a single mum with kids and the whole world seems it was all hanging on me cause we had no one to run to for help. Not until i met a God sent loan lender that changed my life and that of my family, a GOD fearing man, a lender, the director of the company Mr Christopher Kendrick of KENDRICK INVESTMENTS LIMITED, he was the Savior God sent to rescue my family. At first i thought it wasn’t going to be possible until i received my loan amount of $85,000USD on the 2nd/June/2016. All thanks to him and to GOD for leading me into meeting him. My advise to anyone out there in genuine need of a loan is to contact Mr Christopher Kendrick through his official email:- KENDRICKINVESTMENTSLIMITED@OUTLOOK.COM because he is an understanding and kind hearten lender.

    Contact him today………………Thanks

    ReplyDelete
  36. Attention!

    This is an online advertisement from a registered Government approved and Licensed lender that gives out loans of various kinds,e.g, Mortgage loan, Business loan, Car Loans to only serious and interested parties against a very low affordable interest rate of 3%. Apply for your loan now. If you are interested contact Via email: elenanino03@gmail.com

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    ReplyDelete


  37. To Whom it may concern!!!

    Are you a businessman / woman? Are you in any financial mess or you need
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    required to fill the info :

    Name—-
    Amount—-
    Duration—-
    Phone number—
    Country—
    Regards,

    FROM: DAVID MIKE Loan Company
    +19513561932.
    davidmike756@gmail.com

    ReplyDelete




  38. I’m Bolivar Agata by name. I live in Spain, i want to use this medium to alert all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mrs.Mary Clark who lend me an unsecured loan of $95,000 under 2hours without any stress. If you are in need of any kind of loan just contact him now via: maryclarkservice1@yahoo.com I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mrs.Mary Clark, i pray that God should give her long life.

    God bless him forever.

    Bolivar Agata

    Testimony on how i got my loan

    ReplyDelete


  39. HELLO we offer loan, international projects and bank guarantee/SBLC financing to individuals and companies around the world. Our interest rate is 3% per year.
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    ReplyDelete
  40. Get a Loan Today At 3% Interest Rate, contact us at:davidloans760@gmail.com

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    ReplyDelete
  41. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


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    ReplyDelete
  42. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN? LOAN IS HERE FOR YOU

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  43. Hello everyone,
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    ReplyDelete
  44. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?

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  45. DO YOU NEED A LOAN TO START UP YOUR OWN BUSINESS!!!!!!

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    ReplyDelete
  46. Good day,
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    ReplyDelete
  47. DO YOU NEED AN AFFORDABLE BUSINESS LOAN OR XMAS LOAN TODAY?

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  48. Urgent Affordable loan. search no more. contacting the right company for legitimate loan lender have always been a huge problem to clients who have financial problem and in need of solution to it at an affordable interest rate? processed within 4 Of 6 working days. have you been turned down constantly by other banks and other financial institutions? contact Mr Eric Benson Financial Corporation Inc, We offer loans ranging from (6,000.00 $ˆ£ To 100,000,000 $ˆ£ Or It\'s equivalent In Euro & USD, Pounds). At 2.% interest rate per-day. Loans for developing business a competitive edge/Business expansion. We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing, Contact us today at: ericloanfinance122@gmail.com or contact Call/Text +19705928271 ..


    ReplyDelete
  49. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?

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    Do you find yourself in a bit of trouble with unpaid bills and don't know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Nolan Grey-son Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (dr.nolangreysonloans@gmail.com)

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  50. XMAS LOAN OFFER APPLY NOW.

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