Rodan + Fields

So I thought that I would introduce the company that I recently partnered with; Rodan + Fields Dermatologists (yes, the creator’s of Pro-active). I recently had a bouncing baby boy, and like many others in these economic times found that it was actually more finacially straining for me to go back to work. So my husband and I went from a two person, two income household to a three person, one income household. I just had to find something I could do to generate any additional income possible, while taking care of my baby full time. But what the heck could I possibly do that wouldn’t be a scam and cause us to lose even more money. Well, I had a dear friend from high school that I had lost touch with, but with the power of facebook and twitter…

I need to get myself out of this hole…

I’ve found a few new programs that will hopefully help me out of my financial hole. I have no choice but to pay my loan back because it’s not only going to effect my credit if I miss a payment, but it’s going to effect my father’s as well since he co-signed for me. At the same time I can’t afford the monthly payments because of a major lack of income right now. I’m working on it to the best of my abilities but I don’t know how long that’s going to last without finally being accepted to any of the jobs I’ve applied to. I’m trying my hardest, but nothing seems to be working. I’ve downloaded a program that gives me all of the information I need to submit to different companies offering grants to small business owners and…

Maybe I do need Debt Counseling

With a personal loan, credit cards, and more out-going bills than incoming cash, it’s no surprise that I’ve been looking into debt counseling. I understand that I need X amount of money during the month in order to break even. However, there are a few factors that I just don’t understand. My big thing is figuring out interest rates. I’m really unsure as to why I’m paying back $3500 on a $8,000 loan when it’s only a 9% interest rate. I would like to consolidate but I’m not sure if they’ll even allow me to do it. If I could consolidate with a different company then maybe I can lower the interest rate, and still manage to get a few extra dollars into my account just so I can handle the loans. I really just can’t afford the bills anymore…