It all depends on the airtime cards you get

• Trak phone users -- - perkyMT
  • I have a TracFone. And I LOVE it. It is the original Nokia, but..sm - MT and worn out
  • I have a tracfone - sm -
  • Both my boys have tracfones..........sm - m
    • My tracfone does have texting capabilities - LinK
    • What do you mean by purchasing - perkyMT
      • It all depends on the airtime cards you get - LinK
        • Is there a charge to activate the - perkyMT
          • Not a charge per se........sm - m
      • Yes, that's pretty much it. Phone tells you when they're due. - NM

The messages you are viewing are archived/old.
To view latest messages and participate in discussions, select the boards given in left menu

for me I would rather die.  What is life without the freedom to even go for a ride in the car or stop for coffee, walk in a park, etc.  

http://www.elfyourself.com/

This is from OfficeMax - free e-cards that you put your picture and/or family/friends and they dance.  It's really cute!

I had a credit card with a high balance. I got a second mortage to pay it off. I called the credit card and got the payoff balance and my bank sent a check to them. I kept watching on line to make sure they got it and when they did I noticed that there was a $95 credit. So, I called and said how do I get my money back. They sent me a check and when I got it, I called and closed the account. This was about two weeks ago. Today I get a statement from them with a balance due of $45! Huh??? I called and they keep telling me it is a finance charge. I got pretty steamed and finally ended up saying that I would pay it, but no more. Well, I wrote out the check and put in in the mailbox, but I'm still stewing about this. If I still owed them money, why did they send me a credit?? What is the finance charge on if I had a credit balance? I suppose I will just pay it because they will only keep tacking on even more charges, but it is really bugging me. Has anyone else had any experience with this??

I will say one thing - NO MORE CREDIT CARDS EVER EVER EVER. REALLY. I mean it this time.

Can you give hints? g o m d t . c o m

If you call your credit card companies, they can set you up with a plan to help. I was in the same boat. Low to no wages and a very large hospital bill, plus household expenses.

I have 5 credit cards. Up until the hospitalization,  I paid on time or paid more than the minimum, as I used to use them for work-related items.

Sadly, all were maxed out during the hospitalization and subsequent rehabilitation.  Of course in the meantime, during the time I couldn't contact them, my interest rates went from 9% to 21-29%.  I didn't know about their programs...a well kept secret. 

I'm still hurting, but now my credit rating isn't being dinged and 1 card is back down to 12%.

BUT, you must agree to pay the amount they set for you faithfully every month. If not, you lose the advantage. When you have a little extra, put it on the bill, even if it's only $1.  I have the payments automatically deducted from my checking account. That way, I KNOW they're being made on time as I sometimes don't know one day from the next (if you know what I mean) and if I have extra at the end of the month, I hand write a check to one of them (preferably the highest amount of debt).

Don't need credit counseling. Just work with the companies themselves. It's a pain to make all the calls, but it's worth it.  Good luck.

i've had several credit cards throughout my time and all but four are paid off.  i don't plan on using the other credit cards ever.  they do show up on my credit report.  i would like to cancel the ones i don't use, but i've heard that it looks back on your credit report.  anyone else have info about this?  i think it's a better idea to cancel the cards you will never use again because of the identity theft going on.

they are now 21 and 24; since they never sent thank you notes or even bothered to send a Christmas card, they will no longer get the gift cards, just a Christmas card this year. They will probably feel slighted, but I don't care; if you can't take the time to at least call your dad and wish him a Merry Christmas, you don't deserve anything!

Maybe the people who did not give you cards had a difficult time finding something and just didn't get one at all because of that. I spent a great deal of time at the store yesterday looking through cards to give a friend who just lost her 7-year-old son. They all say basically the same thing and none of them say the right thing because there is no card in the world that will bring a loved one back. In the end, I did pick one out to give the family but still feel it is woefully inadequate to express how my heart aches for them and their loss.

Sunday night.  I haven't gotten them addressed yet, but I'm hoping to this week.  We always did the same thing -- different colored inks, holiday stamps, etc.  I just don't feel like putting the time into it this year.  One year, I even bought cards from a scrapbook party to make my own.  They went over really well.  My grandma, 80 years old, told me not to send her a card because of the price of stamps.  I'm planning to hand-deliver hers on Christmas day as well as others that I will be seeing or live close enough to to deliver personally.

I only have a few out-of-towners that I need to mail to and I'm hoping to get those done by Friday. 

Why not try addressing 2 or 3 per evening?  Get DH to help.  I always feel guilty when I receive cards and don't mail them. 

Christmas is next week.  Got pix of the family to put in the cards, and tons of Christmas cards from last year's Christmas sales.  Every day, I say, I will do these cards.  At least to grandma and grandpa on both sides.  Every day, I put it off.  DH got a roll of stamps and he has the cards sitting on his nightstand with pix, he has not done any either. 

Thus far we got several newsletters from people, saying they did this, they did that, they celebrated this birthday, their kid did this and that.  We don't plan to do a newsletter this year, b/c it seems to me these newsletters sound so self-centered! They are not even from family members, they are from DH coworkers and such.

My friends send me e-cards pretty much or we chat over the I-net.  We send holiday greetings and catch up that way.  My son will be getting grandma and grandpa's on both sides presents the end of the week, and I think I will just put the pictures in the packages when I send and forget about the cards.

This is really sad.  Years ago, Dec 1 we'd get a bunch of cards and have ours sent out.  Different colors of ink on the envelopes, red and green, holiday stamps, it would be so fun.  All the cards we'd get my dad or I would put on a board in shape of a tree and we'd put it on the wall. 

Now, it seems with snail mail, and so many other worries about cutting budget, finding enough work, I am not in the mood to write cards.  Maybe it will become a thing of the past, and the boxes of cards will accumulate dust in the top of the closet.

Anybody else in this predicament? Thanks in advance for sharing your card stories.