I woke up the my baby making a sand pile out of chocolate powder and orange lemonade powder. Yes, he dumped in by the stairway, and I saw him dancing a jig on top of it. I would get mad, but darn, if he didn’t look adorable. It looks like I’m going to have to have him clean it up. I also need to stop buying powders for a while. Actually, I think I’ll get annoyed enough to teach him a lesson.

We have a rhyme in the Philippines that goes like this: Buying we are very happy. Paying time, we are hiding away. Collecting is a big fight. I think that there are many people going into debt each day. The question is how to deal with it when it becomes this big monster sitting in our midst. One of the smart advice from bills.com is: Consolidate debt. This is when all the smaller debts are put together into a bigger debt; usually with reduce interest, and one payment.

I imagine that this is easier to deal with than 8 different debtors. There is less confusion and less chances of messing it up with the due dates. I don’t think many people would  buy an apartment unit with a credit card. All my investment are not exactly liquid, and the price was a steal, so I took the chance. There was a balance transfer for 3%. That was what I used to pay for the apartment. It was a great deal.

There are many ways to assure that me that my future will not be debt-ridden. If you’re concern about credit ratings, debt consolidation rarely affects it. In contrast, debt settlement might cut debts in half, but the creditor will note that in your credit report. It has big impact on your credit score. Whatever is the status of your financial health, it wouldn’t hurt to check it again.

My husband was taking a walk somewhere in Flowermound when he took this pictures for me.

He’s basically walking and taking shots of the path in the median as often as his camera will let him. I like trees laid out like this.