Today I Felt Kind Of Tired!!!!

I have been thinking about my day today!

I have a lot of things to be grateful for today and I try to remember that when my mood is down.

I have been feeling down because I am so tired of dealing with one particular company as far as one of my debts is concerned!

Month by month I have been dealing with them and I am so tired of dealing with them. I am hoping and praying for some kind of financial miracle. I even went online looking for information about praying for a financial miracle and I did find some helpful information.

Basically what the advice says is to never give up and keep on fighting (even though I'm a little bit tired of continuing this fight!)

I even thought that maybe I'm being "tested as far as my faith goes!

I am trying so hard to be able to keep my home that I have lived in for so many years - but maybe I'm just making this harder on myself than it really has to be because I have been able to hold on to my home for this long. I love my house and I most certainly love where I live and I try to keep a positive attitude! I am working at becoming a "master of the law of attraction and I have managed to manifest some positive things into my life! I want to (need to) master this one powerful aspect of my life so that I can continue to live the life of my dreams and to continue to be able to do what I love!

The advice that I am taking is to take one day at a time and to never give up.

Your faith has to be fed every day just like you body. You must starve all doubt and negativity - another good piece of advice!

“Believe it can be done. When you believe something can be done, really believe, your mind will find the ways to do it!"

I'm not very big on playing free games online because I'm mostly doing my work online. But I think that I should just take some time and do some fun things online just to.....well.....have fun!

I don't know too much about dedicated online game servers but I have played a few games online! I know that there are free internet poker games online but I'm not much of a poker fan!

I know that I have to relax more and work more effectively on making my life the way that I want it to be!

What A Day I Had Today!

Well I have been trying to keep an upbeat attitude about my life and I'm taking it day by day.

Today I went shopping and found out that I over-drew my bank account! Well I didn't want to get hit with those bank charges (again) so I returned the items that I purchased. It was really a bummer having to return the merchandise but it was better than having those banking fees on my account again! I had to go back to the store to return the items but now that I'm calmly back at the computer again I really have to look on the bright side of things here.

• Even though I had to return the items it meant that my bank account wouldn't be in the negative.
  
  
• Unfortunately it will take a few days for the return to show up in my bank account so I'm keeping my fingers crossed!
  
  
• Once the returned credit shows back into my bank account I can re-purchase the items because I only mis-calculated the purchase by some change. So in a few days I can buy them again! (I won't be getting my google adsense check for at least 2 and a half weeks yet.)
  
  It really was a bummer having to walk back to the store again but at least the money is going back into my bank account (in a few days)!
  
  I have to take days like these and remember the things that I am grateful for. The whole incident could have been a lot worse and I'm glad that I'm back at the computer now and living the rest of my day!

Today I Felt So Tired!

It's only about 10:30 in the morning and I'm already tired! Had to get an early start today because I wanted to use one of the computers at the library and today they will be open for at least 8 hours so I wanted to get on the computer there as early as possible.

I also wanted to get a little bit of shopping done before I went to the library so that meant that I had to get up especially early today. I don't have a car (yet) so I went shopping by foot! It was very warm today and I tried not to rush and do too much so that I wouldn't get too tired. But I did my little bit of shopping and I'm now at the library computer.

Walking to the store was very tiring and it was very hot outside and there were times when I was walking that I felt really bad but I had to remember all the things that I am grateful for and remember and be grateful for all the good things that are and are happening in my life.

While I was at the store I noticed that other shoppers were talking about their financial woes as well so at least I know that I am not alone.

I was looking for words of advice and encouragement and the things that I remember are to be grateful for the things that are good in my life and to keep on pressing on and not give up!

How Things Are Going With Me!

Well it's been quite a while since I posted here last. Of all the things that are going on in my life right now there are still a lot of things that I have to be grateful for.

Even though my Adsense earnings have gone down I am grateful for the fact that I am still able to earn an income period! Without it I would be quite lost!

I made a previous post about how I was able to get 2 government grants to help with my heating bill and get my heat turned back on after I got a shut-off notice and subsequently my heating was shut off but the grants allowed me to get my heating turned back on - so for that I am very grateful! This was quite actually a very good example of "free money because I did not have to pay the money back! So if people tell you that there are no grants out there to help people then I am a very good example of a person that has actually received a government grant! I received 2 of them as a matter of fact!

I'm a very big fan of the law of attraction and there have been times in my life where it has worked for me! So I'm trying to master the art of the law of attraction so that I live the kind of life that I want.

Things have gotten worse for me but I still haven't given up. The fact that I am able to continue to add to my blog is a blessing and another thing that I am very grateful for!

So I am hanging in there!

Gratitude!

I have been feeling quite tense and stressed out todaytense and while I was online I ran into an article about gratitude so I thought that now would be a very good time for my gratitude list!

I know the reason why I am feeling so tense and it is because I don't have what I want yet! I keep thinking about it in my mind and I know that the law of attraction says to feeling positive thoughts but today for some reason my negative thoughts are racing through my mind - so now it's time to focus on some positive thoughts and here is where my gratitude list comes in to play!

Here is my gratitude list for today:

• I am glad to say that I am grateful to be able to work from home. The mere fact that I have had to file income taxes means that I have actually earned an income from home and I am very grateful for that!
  
  I'm grateful to know that my Google Adsense has earned me enough money so that I actually have to file an income tax return because of the money that I have made from the Google Adsense program. As I have been surfing around online I have seen that there are a lot of people who have adsense ads on their sites but they have been saying that they haven't earned a lot of Google Adsense money - so I'm grateful that I have earned enough to even have to pay income taxes on it.
  
  This blog is about doing what I love and what I love to do is to work on my computer and that is what I am doing right now so that / this is something that I am very grateful for!
  
  
• I am always grateful for my home! It is a constant struggle and battle to be able to keep it as my own but as I am learning the law of attraction I realize that my mind and my thoughts play a very big part in how my life is shaped!
  
  I managed to get my house out of foreclosure and I have been able to get some government grants to help me keep my heat and electricity on!
  
  
• I'm grateful for the talents that I do have! I have written a little ebooklet about the government grants that I got to help me keep my heating and electricity on. Even though I'm not selling this book outright I am asking for donations before I send the ebooklet and that is at least one way that I have used my skills to be able to make some money. Believe me its not quick money or even free money but at least it is a start! And like I have said before I I am earning money with the Google Adsense program.
  
  
• One of my older neighbors died last week and she was a very nice friend of mine! I am grateful for the opportunity to have known her. We have had nice chats and nice talks on the phone and we had even gone shopping together on a few occassions! I'm grateful to have had such a friend and it makes having the friends that I still do have more precious!
  
  
• I think one of the things that I should be most grateful for is the fact that while I may be down right now I am definitely not out of the picture yet. There is alwyas hope and there is no problem that God can not solve!

My New Year's Resolution(s)?

Actually I didn't think about making any New Year's Resolutions because I already have some set goals of my own in mind!

But you know since this is the first new day of the year it seems like a very good time to make a list of New Year Resolutions for myself.

First and foremost I want to be financially secure! I have already created my own mission statement and my mission is to be a millionaire! Not only will I reach this goal BEFORE the end of this year, I'm going to reach this goal as soon as possible!

I believe my financial goal is the one that I will be working on and concentrating and focusing on the most because that is one of the main goals that I want to achieve so that I will be financially secure.

I am already grateful to be earning money with the Google Adsense program and I am also grateful that I am able to work from home.

I am using the law of attraction more and more into my life so that I can attract all the money that I want into my life. I even read online that it is possible to attract a billion dollars into one's life if they know how to do it correctly.

So there you have it. My New Year's Resolution for 2010 is to become a millionaire as soon as possible!

Gratitude!

I was feeling kind of depressed today and I saw this online article about expressing gratitude so that is what I decided to do today.

The article says (and I agree) that one should start a gratitude journal and that is what I decided to do and I'm going to use this blog to do it! So here is my gratitude list for today!

• I am grateful to be able to work from home. I have not earned a lot of money yet but I am going to!
  
  I have my Google Adsense ads and that has earned me some money and I am very grateful for that! Bigger and better things are coming my way!
  
  
• I am grateful for my house! Yes there are some bills that are causing me a great deal of stress but I can't let that get the best of me! There are people who are in a much more bigger financial problems than me.
  
  
• I am grateful for the food that I had for dinner tonight and I am grateful for the food that is still left in my refridgerator. (I'm also grateful that I have a refridgerator that works!) I have chicken and pork chops and hot dogs in my freezer, not to mention bread, beans, potatoes, onions and pasta - Yum!
  
  
• I'm grateful that it is warm inside of my house. I have blogged before about the government grants that I got to help pay my heating bills and without that grant money I would be in bad shape today!
  
  
• I am also grateful for the skills and talents that I have now! I was reading an article about praying for a financial miracle and the article basically said that instead of just doing nothing that you should take the talents and skills that you do have and make them work for you! And that is what I am doing. It gets hard sometimes and I get depressed and frustrated at times but all that I hear is to keep going and to never give up!

That is my gratitude list for today.

If you are feeling depressed or frustrated start a gratitude journal and write down 5 things that you are grateful for! It will help you to feel much, much better about your life!

I Know Why The Caged Bird Sings......

Someone mentioned a quote from Maya Angelou's Book "I Know Why The Caged Bird Sings" and it made me remember watching the movie on television. It took me a while to actually get the meaning of the title but once I did it made me both sad and happy at the same time! It's actually a very provocative thought when you think about it - at least it is for me!

No matter what one's situation is there just maybe something that one can smile and sing about!

I think about my own situation and realize that there are those that are far more worse off than me. There are many people having more financial difficulty than me, people who don't have food to eat or who don't have any (or enough) money to even pay for food.............

Tiger Woods is in the news about the transgressions that he has admitted to and all I could think of is that there are far more worse problems in the news today and going on in peoples' lives!

It's a windy and rainy night and here I am in my nice warm house and I just ate some dinner. I'll be going to the grocery store tomorrow to buy some more food that I will be able to pay for.

I am very grateful that my childhood was not as traumatic as Maya Angelou's was and the fact that she could rise above the things that have happened to her in her early years just makes me appreciate my life that much more!

Gratitude!

I found a very inspiring article online about gratitude so I have decided to list some of the things that I am grateful for. (If I listed all of the things that I have to be grateful for I think I would tire myself out because I think that this list would be endless!

Here are 5 things that I am grateful for!

• I managed to get my home off of a pending foreclosure sale!
  Boy was that scary! My house was scheduled to be foreclosed on this month and I was just worrying myself sick! Like all the advice has said I decided to take action and turn my fear into curiosity and I called around to find out what I could do to get my home out of foreclosure! The money that was due was for property tax foreclosure and I was hearing stories from my neighbors that you either had to pay up or lose your home to foreclosure! I called around and found out (to make a long story short) that I could make payment arrangements to pay the property taxes in installments and that is what I am in the process of doing now!
  
  Do you know how GOOD it feels to get your house out of foreclosure!
  
  
• I had popcorn (and watched a movie) for dinner tonight! Don't get me wrong I do have some other food in my kitchen but tonight I just felt like having some popcorn and watching a movie.
  
  There have been times when I had no food to eat so I am very grateful for the food that I do have!
  
  
• I am very grateful for my home! My next door neighbor had a fire scare and the firemen were there and there seems to be a lot of inside damage to their house and I know that getting it repaired is going to cost them a lot of money! I already know that they have contractors working on their home now.
  
  
• I am very grateful that I have a computer at home and am able to be online! I know that there are some that don't even have a computer in their home and I was reminded of this when I saw some people at the library. Having my own computer at home means that I can work on it any time of the day and night!
  
  
• I'm very grateful for my family. My parents have passed on but I still have my brother and we talk a lot on the phone.

So there is a partial of my gratitude list.

So what are YOU grateful for today?

Gratitude Is The Key To Happiness

Don't You Just Love The Internet!

I checked my comments box and saw that I got 2 comments from "anonymous. The first comment said "Don't pay for grant information" and I'm guessing that that is referring to my blog posts about the government grants that I got to help me with my utility bills.

Now that I think about it it may also have to do with the fact that I'm selling an ebooklet about how I got 2 government grants to help me get my electric turned back on.

I wrote this ebooklet because I know that there are other people who are in the same situation as I am in that they face the possibility of having their electric or other utilities shut off - or they may already have been shut off! Since I, myself was in the exact same situation and managed to get my electric turned back on I figured that there would be others who would be interested in how I did it. I also know that finding this kind of information is hard! I did some checking around and found some good information about grants. There is one blog called Grant Basics 101 that has a lot of information about grant programs and I also did a lot of checking online for other resources as well. Unfortunately this information was hard to come by and that is why I thought of selling an ebooklet about my experience at getting 2 government grants to help me with my utility bill.

It also helps too in that I aspire to be a writer and I have already published my own ebooklet!

The 2nd comment was from "anonymous again saying that they sent me an email. I didn't receive it. Aside from my regular email, the rest of the email that I have gotten has been either spam or junk mail.

Thank You God! Another Small Miracle Has Occurred!

I am oh so very grateful today!

I got a notice of a water shut-off on Wednesday and yesterday I got the good news that I was to be given a small grant to help towards making a payment! This payment will suspend my shut off notice!

This wasn't a government grant though. The money / grant that I got was from a small organization that helps with small payments towards one's utility bill. I found them in the yellow pages!

All I had to do was fax them a copy of my shut-off notice - which I did. The shut off notice was reviewed by them and I got the call yesterday that they contacted my water company and made arrangements with them and that they will be sending a payment to them!

Now this doesn't get me off the hook for the total amount due of the water bill. The organization paid a portion which was just enough to stop them shutting off my water! And for this I am very grateful to that organization!

I am now on a payment plan with my water company!

So I hope this goes to show those who may be in a similar situation that miracles do come true and they do happen!

Paypal!

I have been doing some checking online and found out that Amazon does not let one pay via Paypal. I kind of thought that was hard to believe!

It seems that Amazon.com considers Paypal a competitor and will not let people pay for their Amazon.com items with their Paypal accounts! A lot of people have expressed outrage at this and I really agree with them. A lot of them have said that since they can't use a Paypal option that they refuse to pay Amazon.com anything at all! I also agree with this!

Its hard enough trusting one company with your payment information like your bank account number and your social security number because you want to give out this information as little as possible!

Of course (from my understanding) you can still use a credit card or debit card to pay for your purchases on Amazon.com but there are still a lot of people who want to be able to use their Paypal accounts.

Even Ebay lets you make payments with your Paypal account - but not Amazon.com!



Update! - I just found out that the Barnes and Noble site DOES accept Paypal payments!

Can You Fight Those Bill Collectors?

I'm sure a lot of people out there have had those calls from bill collectors and collection agencies. I found this information online and maybe it will be helpful:

"
In response to.........

a bill collector can and will get an order against you for a cash only warrant on an unpaid bill. In order to do this though, certain things have to happen first. If you have an unpaid bill, they first have to take you to court and get a judgment against you. If you don't appear at this initial hearing a judgment by default will be entered against you.

The next process is then to file a motion and order for supplemental information. Once they have a judgment, they then want to know your financial information, they subpeona you to court and then usually talk to you prior to court to try to arrange a payment based on the information you give them about your income. Usually an agreement is made for whatever it is you can afford even if it is only twenty dollars per month. If you don't appear for this hearing, a judge can issue a cash only warrant usually in the amount of no less than 200 and no more than 1000 dollars, depending on the amount of the bill.

At this point then, you have an active warrant for your arrest and can be thrown in jail. Only to get out when you have paid the cash only bail or see the judge.

This can also happen if you fail to make the payment that you have arranged at a supplemental hearing. The bail amount less whatever the current warrant fee to the court is then applied to your unpaid bill. If you continue to fail to make payments or not show up to ongoing hearings, once they have obtained a judgment you subject yourself to ongoing warrants and potential arrests.

This is for civil actions, usually old utility bills, medical bills etc.

In the case of writing or bouncing a check, it is unlawful in nearly any state to write a bad check, these can usually be taken if over the amount of five hundred dollars to a local police department and criminal charges or arrest can occur. It just depends on how busy the police are and what area you live in. Hope this clears
the matter up for you. Good luck everyone!

And here is a reply posted to the above message:

"Let me tell you about jail and bills. No bill collector will take you to jail. This will not happen. Let me tell you why. It will take $5,000 (or around that
amount) for them to place a court order to get you to jail. Now, think about this. If you owe them like $500.00. Do you think a company will pay 5k to get you to jail on 500.00 that you owe. That is cost effective for the company. If they did that to everyone who owes that company. The company would go broke.

NOw, look at the form letter that you got. That's right, form letter. It is a mind way of making you worry and the more you worry the more they think you will give up.... Fight! fight for your right. Yell at them. Tell them to leave you a lone. Trust me, they have more people on there plates. Look at the letter, listen to
the phone message. Think of what they are really trying say. Act but don't react right away.

You can fix this and you can get it right. Just fight.....

What Is Adsense?

Someone asked me about the Adsense program. They are very interested to work from home and they mentioned that they were not making enough money using paid-to-click sites to cash out.

I sent them a comment that I use Google's Adsense program and the money that I have earned from it has helped me a lot! Even though I'm not an Adsense millionaire today doesn't mean that I won't be one tomorrow! But the money that I have earned so far has helped me to pay some of my bills - especially my Internet service - and to buy food!

So what is the Adsense program? It is a program where you place ads on your website or blog and you get earn money everytime those ads are clicked legitimately. How much do you earn for each click? Well that is going to depend on the subject matter of your site. You see the ads that appear on your site are determined by what words appear on your site. For instance if your website is about computers then your ads are more likely to be about computers.

How much can you make using the Adsense program? Well a lot of that is going to depend on you but here is a link to a blog post about just how much money some people have been making with the Adsense program.

What does it take to belong to Google's Adsense program? First you have to sign up and join. The Adsense site is located here. You will also have to give them information like your social security number. The reason for that is because if you earn over a certain amount yearly (for now I think its $400 - $600), Adsense (and you) have to report it! It is the law.

You will also have to provide them with a link to your website or blog so that it can be reviewed and approved. Once approved you can then go through the steps of picking out how you want your ad to look.

Once you have added the ads to your site you can check in with your account to see how much money you have earned so far. The rule is that you must earn at least $100 during the month before Adsense will issue you a payment either in regular check form or by bank deposit / EFT.

Like I said before this money has definitely come in handy and you should know that there are already some Adsense Millionaires out there!