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2013 Assessment & Changes

January 27th, 2013 at 03:39 pm

Some changes I made thus far this year:

1. Started off the year with a spiritual Daniel Fast & it made all the difference. Also, it forced me to stop eating out & enjoy cooking healthy, whole foods at home.

I went into 2013 with a renewed sense of hope & the fast just really opened my heart to what God has in store for me in every area of my life.

2. Transferred my credit card debt at Capital One to Pentagon Federal @ 0% interest for 18 months.

3. Attended the inauguration & visited with family. I had a wonderful time.

4. My second job that I have held for 4 years will end in April due to the hospital closing. I have worked at this hospital in some capacity since 2000. I'm just waiting & praying to see what I should do on that.

I've been wanting to start a small business for some time now. I am excited to see what the future holds on that.

Posted in Food fiend, General musings, Debt diet | 3 Comments »

3 Responses to “2013 Assessment & Changes”

  1. snafu Says:
    January 27th, 2013 at 05:05 pm 1359306356
    1359306356

    In order to benefit from 0 % CC transfer, you need to pay off the balance before July 2014. For example, if $13K transferred, it would take payments of approximately $ 760. each month to pay off the balance. These accounts usually re-set at a much higher interest rate so it's very much to your advantage to make whatever sacrifices are necessary to clear the account in the 18 month time frame.

    Where are all the patients going when the hospital closes? Surely that institution will need more staff to cope with the influx. I suggest you become pro active and get to know the Human Resource people to get information and help applying for anything you might qualify.

    If you believe you have a good idea for a small business, look on-line for the forms that will help you create a genuine, realistic business plan. There is no advantage to you to spend money to create a product until you have a very specific plan for your business. You want to turn your dream to reality.

  2. terri77 Says:
    January 27th, 2013 at 07:46 pm 1359315992
    1359315992

    Thanks for the input, snafu. I pay $200 weekly on the CC with no new charges being made, so hopefully it will be paid off in 18 months or earlier. I will also put bonuses & extra cash towards pay-off.

    The patients are moving to another hospital in town & they are saying that they are interested in hiring the staff. I'm looking there as well as at other openings in town, but really my focus is on my business idea.

    Good thing is that the start-up is extremely cheap, I can make them in my home in my time, & I know the stores that would be interested in carrying the product. I want to start small & I'm not looking to open a store front, but to distribute to stores.

  3. Jerry Says:
    January 28th, 2013 at 10:02 am 1359367352
    1359367352

    So sorry to hear that the hospital is closing... this seems to be a theme in many parts of the US, which I find worrisome. At least it will lead to some openings at other facilities, it sounds like, and I hope you have some insurance of success with your business idea. Starting small is the only way that things can start! Smile Jerry

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