Katy's Happenings....

     The following document outlines the importance of good money management skills and the importance of attacking money problems head on.   A person’s credit rating is just like a criminal record in that it will follow you for the rest of your life. A poor credit rating will have a negative impact on your quality of living. The following is a list of things that can cause long term money management problems. ·       Loss of income ·       Intermittent or no long term employment ·       Lack of budgeting skills ·       Failure to budget ·       Accumulating credit card debt ·       Failure to save for an emergency ·       Spending money on stuff you don’t need but think you want ·       Spending more than you make ·       Medical bills ·       Circumstances outside of your control ·       Utilizing predatory lenders to solve short term money problems ·       Rent to Own purchases     We live in a world that bombards us with marketing messages that tells us that

 I have been writing about Jessica in a writer's group lately. This is one of the stories that I wrote. The events are true and happened after the year 1990.   The realization hadn't hit me yet. I was going to have a baby!   James and I had just gotten married and I was looking for a job on our side of town.   When I wanted the car I would take James to work and keep it until it was time to go pick him up again.   One of the days that I took James to work, I dropped him off and went and got a drink at the gas station and was going to fill up the gas tank before I headed home. I was about 26 weeks along in my pregnancy. I went into the gas station to go use the restroom.   I peeked out of the ladies restroom and exclaimed "Please call 911! I am bleeding and something is wrong with my baby!”    I don’t really remember what happened after that, or how exactly I got to the hospital. I remember waking up and being on a hospital bed in the ER. The nurse had given m

 I have been writing about Jessica in a writer's group lately. This is one of the stories that I wrote. The events are true and happened after the year 2000.      “Mommy, my head hurts!” exclaimed Jessica. She went to lie down on the couch and curled up and closed her eyes. It seemed like I was constantly giving her Motrin.   At first I thought it was because she had broken her glasses and we hadn’t gotten them replaced yet. She kept having headaches in the front and back of her head. Two weeks later she started having problems with her gait and then the ultimate symptom that we knew something was wrong, she started throwing up.   By this time it was close to the end of May. The Tuesday after Memorial Day, we took Jessica to the closest ER which was in Hilton Head, SC.     She was crying and the pain in her head was excruciating. The person in front of us said, “Ya’ll go ahead.” They turned and saw how Jessica was in such pain. We got in rather quickly to see the ER doc

     I have been writing about Jessica in a writer's group lately. This is one of the stories that I wrote. The events are true and happened after the year 2002 when we lived in the Greenville/Simpsonville area.    Honey, let’s load the station wagon with boxes to go to the new place. You and the kids can go take it to the trailer this afternoon after we go to the flea market,” I could hear James tell me.  For the past month we had been going to the flea market and selling refurbished computers. This particular day was a Sunday. The next week we were moving and we were gradually taking stuff to the new place. James had lost his contract job at a fancy company. He worked on computers and the company was downsizing and no longer needed him. So we were surviving on his unemployment check and whatever money we could make selling stuff. “Hey ya’ll,  “Let’s take the dogs with us to the flea market and then to the trailer.”      Justin picked up Sammy , the puppy who was part terr