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PENTACLE9's Photo PENTACLE9 Posts: 178
6/30/10 11:32 A

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emoticon emoticon for you Paula!
This morning I was talking with a creditor and the poor fellow was so stressed out on his job it was actually comical. I did help him calm down a bit by pointing that out, but it was after I laughed a little bit.
I prayed for Tim afterward and asked his forgiveness in spirit for being an agent for such stress in his life. That's another reason I hadn't considered in my balance of debt; how much I take others out of Christ.

His Lord said to him, "Well done , good and faithful servant; you were faithful over a few things, I will make you ruler over many things. Enter into the joy of your Lord." Matthew 25:21


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PAULACOLLINS's Photo PAULACOLLINS Posts: 747
6/30/10 10:05 A

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Good Morning!
Yesterday afternoon I was looking on the Christian Book website because I wanted to get the Leslie Sansone exercise video where she uses Christian music (I used this DVD when I worked at Mental Health with my clients). I found the DVD but, as time went on, I had added other items into my box that was over $60.00! I am proud to say I did not buy all that stuff--instead I went to Amazon and found the DVD used and only spent $10 instead. This is a change of behavior for me--for the good! Penney, thanks for the words of encouragement. I do belief that God has someone that is in need of our RV--it is actually set up to be the perfect RV for someone working (it has two desks for computers and is 35' long with three slide outs so big enough to live in). It was a blessing for us so I want it to be a blessing for someone else. Looking forward to my regular prayer meeting/bible study tonight. I am so blessed to have a wonderful group of women to pray with. God is good all the time!

"For I know the plans I have for you," says the Lord. "They are plans for good and not for disaster, to give you a future and a hope." Jeremiah 29:11


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PENTACLE9's Photo PENTACLE9 Posts: 178
6/29/10 11:02 P

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Paula,
I've done pretty much the same thing you've done. I got a reloadable Amex card and added 150.00 every two weeks. I filed my taxes on 4/15 and when the refund came in I put that on the card. Every time I broke a twenty, I added singles to my jar. Each time I got to 50 bucks, I added that to the card also. As soon as I reached 2 grand (the cards limit) I paid a back mortgage payment.
If I might add; see your RV sold! Envision the family excitedly looking all through and around it. See the three children fighting over where they'll sleep. See Mom checking the stove and cabinets, and see Dad handing you over the check. Keep this movie playing over and over in your mind until it's so real, you wonder why is that RV in your yard.
Jesus said, Believe you HAVE received!
That 650.00 will add up very quickly.


His Lord said to him, "Well done , good and faithful servant; you were faithful over a few things, I will make you ruler over many things. Enter into the joy of your Lord." Matthew 25:21


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PAULACOLLINS's Photo PAULACOLLINS Posts: 747
6/29/10 10:12 A

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Hi to Everyone,
Penney, that is quite an accomplishment!! How long have you been working on that debt? I just paid off one credit card that I have been working on for over a year--was paying $650.00 a month so after our vacation in July, I will beable to use that money to pay off the last of my credit cards. I am really praying that our RV will sell--that would take the largest burden off. We have two older cars and will need to get another one sometime in the near future. I would like to beable to save up for that and not have to take out a loan or at least have a good size down payment. We did keep our spending inside our budget this month Yeah! Last couple of months we have had unexpected expenses come up that threw us out of balance. Hope everyone has a blessed day!

"For I know the plans I have for you," says the Lord. "They are plans for good and not for disaster, to give you a future and a hope." Jeremiah 29:11


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PENTACLE9's Photo PENTACLE9 Posts: 178
6/28/10 9:11 P

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Hi Everyone!

I had to drop out for a while. I had so much going on with me I didn't know up from down. So I took a week off.
While I was out, I had to make up my mind about a few things. I had to re-prioritize. I've decided for myself, that I'll be more comfortable if I were out of debt. So, my main focus will be through sparksavings. I'll still log in and eat right and exercise; but worrying about weightloss - nah!
Another thing is, I really missed you guys! It's unbelievable how attached one can become to new friends. I'm so happy we are friends.

By the way, when I started sparksavings, I was close to twenty thousand in debt. I can now say that, I'm two thousand in the black!
I've been using K-Mart's layaway plan a lot. There's a five dollar layaway fee; but I've needed new summer clothes, and linens, and patio cushions. So putting a little down at a time has come in handy for personal items.
I'm working closely with Equidata, a credit company. Trying to pull all of my old doctor bills together is truly a scary beast, but then I just think on our team motto and I fall into obedience; joyful to know I'm making a right choice for this season in my life.
I know this was long, but let me know what's going on with you all.


His Lord said to him, "Well done , good and faithful servant; you were faithful over a few things, I will make you ruler over many things. Enter into the joy of your Lord." Matthew 25:21


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CAROL3SAN's Photo CAROL3SAN Posts: 20,162
6/6/10 7:02 P

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Penny, I totally understand your feelings today. I hope your dad will be better soon. I went through an amputation with my dad also (several years ago), and He pulled through it well.


"You never know just how strong you are until being strong is the only choice you have"
Unknown
"....This above all, to thine own self be true"
Wm Shakespheare
"If it is to be its up to me"


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PAULACOLLINS's Photo PAULACOLLINS Posts: 747
6/2/10 4:51 P

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Penny,
I am so sorry to hear about your dad. I will pray for you and your family. I know that you already know that God will not give you more than you can handle but if you are like me, I sometimes need to be reminded of that. All things are possible through Christ who strengthens me--you can do this with God's help.

"For I know the plans I have for you," says the Lord. "They are plans for good and not for disaster, to give you a future and a hope." Jeremiah 29:11


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PENTACLE9's Photo PENTACLE9 Posts: 178
5/30/10 12:33 P

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Hi everybody. Today I have large mountains to move in my life. My Dad's leg need amputation. I have the task of trying to unfurl the mess of their money as well as mine, and I just can't seem to stop crying. A part of me wants to say I'm not equipped to rebuild their finance with mine in such a mess, but it's a moot point. I'm an only child. Tag, I'm it.
The weather is beautiful here, cook outs and concerts abound. But I'm not much in the mood for a good time.
Although I know sitting around in misery or just working on family stuff is not healthy, I don't feel like pushing myself into a situation where I'll have to feel fake.
I know this is a low point, and this too shall pass; it's just that I'm here for now.
Thank you all for loving me.
Always Love, Penny emoticon

His Lord said to him, "Well done , good and faithful servant; you were faithful over a few things, I will make you ruler over many things. Enter into the joy of your Lord." Matthew 25:21


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WALNUT5612's Photo WALNUT5612 Posts: 3,063
5/29/10 6:26 P

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Thank you for making me member of the week!!

I woke up from a beautiful dream and found out I was NOT Oprah!! I had to clean (no maid) AND cook (no chef)!!! Life can be a bummer!! LOL I think they call it exercise!!!


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CAROL3SAN's Photo CAROL3SAN Posts: 20,162
5/23/10 7:34 P

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Hope all is much better by now Penny. Have a great Sunday evening. emoticon


"You never know just how strong you are until being strong is the only choice you have"
Unknown
"....This above all, to thine own self be true"
Wm Shakespheare
"If it is to be its up to me"


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PENTACLE9's Photo PENTACLE9 Posts: 178
5/21/10 5:58 P

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After a whole lot of unnecessary drama at my house yesterday, I did some retail therapy. I treated myself to a wonderful dinner. It wasn't too expensive, but it wasn't in my budget. But the food was GOOD! emoticon

His Lord said to him, "Well done , good and faithful servant; you were faithful over a few things, I will make you ruler over many things. Enter into the joy of your Lord." Matthew 25:21


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CAROL3SAN's Photo CAROL3SAN Posts: 20,162
5/7/10 7:25 A

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I'm up early this morning hoping to get a fast start on my busy day. Will be going out to dinner with a group of friends later this evening and hopefully I will have a little fun.
Wishing all of you a beautiful and productive day as well emoticon


"You never know just how strong you are until being strong is the only choice you have"
Unknown
"....This above all, to thine own self be true"
Wm Shakespheare
"If it is to be its up to me"


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CAROL3SAN's Photo CAROL3SAN Posts: 20,162
5/6/10 11:46 P

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Hope you guys are having a great evening.


"You never know just how strong you are until being strong is the only choice you have"
Unknown
"....This above all, to thine own self be true"
Wm Shakespheare
"If it is to be its up to me"


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PENTACLE9's Photo PENTACLE9 Posts: 178
5/4/10 10:24 A

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Thanks C, I changed something on my edit page and hadn't even realized it. Have a great day.

His Lord said to him, "Well done , good and faithful servant; you were faithful over a few things, I will make you ruler over many things. Enter into the joy of your Lord." Matthew 25:21


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CAROL3SAN's Photo CAROL3SAN Posts: 20,162
5/4/10 12:00 A

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Hello everyone. Yes I was able to see your spark page Penny. I dont know what happened before but it is working well for now.


"You never know just how strong you are until being strong is the only choice you have"
Unknown
"....This above all, to thine own self be true"
Wm Shakespheare
"If it is to be its up to me"


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PENTACLE9's Photo PENTACLE9 Posts: 178
5/1/10 11:21 A

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Can anyone see my sparkpage yet? PaulaCollins brought it to my attention that I've put it on secret or something. This proves an important fact; I can only keep a secret by accident. Let me know if I've fixed it.

His Lord said to him, "Well done , good and faithful servant; you were faithful over a few things, I will make you ruler over many things. Enter into the joy of your Lord." Matthew 25:21


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CAROL3SAN's Photo CAROL3SAN Posts: 20,162
4/25/10 10:16 P

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emoticon Good evening everyone. I hope you all had a beautiful Sunday.
I know you will enjoy Porgy and Bess Penny. About 3 weeks ago I went to see The Color Purple. I laughed and cried through the whole show. I had a beautiful time.
West Side Story will be coming here soon.


"You never know just how strong you are until being strong is the only choice you have"
Unknown
"....This above all, to thine own self be true"
Wm Shakespheare
"If it is to be its up to me"


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PENTACLE9's Photo PENTACLE9 Posts: 178
4/25/10 11:36 A

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I just found out that Porgy and Bess is coming to town in May! I'll add more to my jar as this savings goal. "I loves you Porgy!"... Bess

His Lord said to him, "Well done , good and faithful servant; you were faithful over a few things, I will make you ruler over many things. Enter into the joy of your Lord." Matthew 25:21


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PENTACLE9's Photo PENTACLE9 Posts: 178
4/24/10 11:19 P

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I've just realized that I've saved twenty dollars in my jar this week by putting in all the extra change. The savings jar works pretty good.! emoticon

His Lord said to him, "Well done , good and faithful servant; you were faithful over a few things, I will make you ruler over many things. Enter into the joy of your Lord." Matthew 25:21


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PENTACLE9's Photo PENTACLE9 Posts: 178
4/21/10 3:53 P

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That's some good news!! You go girl. Keep it up emoticon

His Lord said to him, "Well done , good and faithful servant; you were faithful over a few things, I will make you ruler over many things. Enter into the joy of your Lord." Matthew 25:21


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LADYLIGHT's Photo LADYLIGHT Posts: 2,289
4/21/10 2:18 P

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Hello all! This is hump day and I have not spent any money other then for gas and milk. No stops at convenience stores for snacks brought snacks from home. Yea! I have saved so far this week up to 20 dollars. To God be the Glory!

Ladylight (aka) Jenny

I have lost myself, I have gone to find myself, should I return before I get back, Please have me wait!



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CAROL3SAN's Photo CAROL3SAN Posts: 20,162
4/16/10 11:49 P

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Hello everybody, I'm just dropping by (late as usual) to say hello. I hope everyone is having a great evening. emoticon


"You never know just how strong you are until being strong is the only choice you have"
Unknown
"....This above all, to thine own self be true"
Wm Shakespheare
"If it is to be its up to me"


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CAROL3SAN's Photo CAROL3SAN Posts: 20,162
4/15/10 11:11 P

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Yeah!!! Congratulations for our On The Rock Team being featured on the sparksavings team page.
Thank you Penny and Bev for making this team happen. emoticon


"You never know just how strong you are until being strong is the only choice you have"
Unknown
"....This above all, to thine own self be true"
Wm Shakespheare
"If it is to be its up to me"


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PENTACLE9's Photo PENTACLE9 Posts: 178
4/15/10 4:43 P

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On The Rock is featured as one ot the popular teams on sparksavings team page.

His Lord said to him, "Well done , good and faithful servant; you were faithful over a few things, I will make you ruler over many things. Enter into the joy of your Lord." Matthew 25:21


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PENTACLE9's Photo PENTACLE9 Posts: 178
4/15/10 3:57 P

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Have fun Paula!

His Lord said to him, "Well done , good and faithful servant; you were faithful over a few things, I will make you ruler over many things. Enter into the joy of your Lord." Matthew 25:21


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PAULACOLLINS's Photo PAULACOLLINS Posts: 747
4/15/10 11:04 A

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Hope everyone has a great weekend--my husband and I are going on a spiritual retreat so please keep us in prayer.

"For I know the plans I have for you," says the Lord. "They are plans for good and not for disaster, to give you a future and a hope." Jeremiah 29:11


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CAROL3SAN's Photo CAROL3SAN Posts: 20,162
4/14/10 11:02 P

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Your vision collage seems interesting. Setting on top of a bank huh? Maybe I will try making me one soon.


"You never know just how strong you are until being strong is the only choice you have"
Unknown
"....This above all, to thine own self be true"
Wm Shakespheare
"If it is to be its up to me"


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PENTACLE9's Photo PENTACLE9 Posts: 178
4/14/10 2:42 P

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I'm making a vision collage. I have a super hero's body. I'm sitting on top of a bank. And I'm going fishing. Everything about fishing creeps me out!

His Lord said to him, "Well done , good and faithful servant; you were faithful over a few things, I will make you ruler over many things. Enter into the joy of your Lord." Matthew 25:21


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CAROL3SAN's Photo CAROL3SAN Posts: 20,162
4/11/10 8:56 P

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Walnut, thank you for the info you posted on birthdays from medicare and you. I am sure it will be helpful to a lot of us.


"You never know just how strong you are until being strong is the only choice you have"
Unknown
"....This above all, to thine own self be true"
Wm Shakespheare
"If it is to be its up to me"


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WALNUT5612's Photo WALNUT5612 Posts: 3,063
4/10/10 12:18 P

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Unforgettable Birthdays

Birthdays may seem less important as you grow older. They may not offer the impact of watershed moments, such as getting a driver’s license at 16 and voting at 18. But beginning at age 59, there are several key birthdays that can affect your tax situation, health-care eligibility, and retirement benefits.

59˝ — You can start taking penalty-free withdrawals from IRAs and qualified retirement plans, provided certain conditions are met. Ordinary income taxes generally apply to these distributions. (Withdrawals taken prior to age 59˝ are subject to a 10% federal income tax penalty.)

62 — You are eligible to start collecting Social Security benefits, although your benefit will be reduced by up to 30%. To receive full benefits, you must wait until “full retirement age,” which ranges from 65 to 67, depending on the year you were born.

65 — You are eligible to enroll in Medicare. Medicare Part A Hospital Insurance benefits are automatic for those eligible for Social Security. Part B Medical Insurance ­ben­efits are voluntary and have a monthly premium. To obtain ­coverage at the ­earliest possible date, you should generally enroll about two to three months before turning 65.1

70˝ — You must start taking minimum distributions from most tax-deferred retirement plans or face a 50% penalty on the amount that should have been withdrawn. Annual required minimum distributions are calculated according to life expectancies determined by the federal government.

1) Medicare & You 2010, U.S. Department of Health and Human Services


I woke up from a beautiful dream and found out I was NOT Oprah!! I had to clean (no maid) AND cook (no chef)!!! Life can be a bummer!! LOL I think they call it exercise!!!


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PAULACOLLINS's Photo PAULACOLLINS Posts: 747
4/9/10 10:36 A

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Hi Ladies,
Doris I hope you enjoy your trip. It is always such a blessing to spend time with family and I know how tough it can be financially to schedule those trips. Four of our children live in Michigan and we are in Alabama--we always plan a summer vacation to go see them. We were blessed enough for 10 years to travel in our RV and spend the entire summer in Michigan and then the winters in either Texas or Alabama (we have one daughter that lives here which is how we ended up in Alabama). I am working very hard at paying down some debt between now and July so we will be able to afford to go without going into debt again! Have a blessed day.

"For I know the plans I have for you," says the Lord. "They are plans for good and not for disaster, to give you a future and a hope." Jeremiah 29:11


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WILLBDONE6-2011's Photo WILLBDONE6-2011 Posts: 1,328
4/8/10 4:37 P

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That scripture was meant for me!

Hebrew 4:12
For the word of God is living and active. Sharper than any double-edged sword, it penetrates even to dividing soul and spirit, joints and marrow; it judges the thoughts and attitudes of the heart. Ardysslife.com/LoveniaLarge


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A-LITTLE-DAB's Photo A-LITTLE-DAB Posts: 349
4/8/10 9:17 A

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In my daily reading from the One Year Chronological Bible I came across that jewel of a passage in the middle of geneologies in I Chronicles "Jabez prayer"
"Oh that you would bless me and expand my teritory!Please be with me in all that I do and keep me from trouble and pain." And God granted him his request.I Chronicales 4:10

Doris - South Florida

God is able to make all grace abound to you so that in all things, at all times, having all that you need, you will abound in every good work. 2 Corinthians 9:8


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A-LITTLE-DAB's Photo A-LITTLE-DAB Posts: 349
4/7/10 10:33 P

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I am going to Las Vegas to visit my DD and her family. DGD Kaitlyn is turning 7 in May. Saving my coupon and sale savings for the trip. Her brother Adam is 9 and big sister Cassaundra will be 23 in May. She is going to college in California.

Doris - South Florida

God is able to make all grace abound to you so that in all things, at all times, having all that you need, you will abound in every good work. 2 Corinthians 9:8


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WILLBDONE6-2011's Photo WILLBDONE6-2011 Posts: 1,328
4/7/10 10:05 P

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I want to go on a cruise! Plus I want to be self employed! lol

Hebrew 4:12
For the word of God is living and active. Sharper than any double-edged sword, it penetrates even to dividing soul and spirit, joints and marrow; it judges the thoughts and attitudes of the heart. Ardysslife.com/LoveniaLarge


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PENTACLE9's Photo PENTACLE9 Posts: 178
4/7/10 9:24 P

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Here's the place to let us know what's on your mind.

His Lord said to him, "Well done , good and faithful servant; you were faithful over a few things, I will make you ruler over many things. Enter into the joy of your Lord." Matthew 25:21


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