04.26.09
What is your God given talent?
I have so many passions in my life. However, I am still unsure what is the passion of mine that rises to the top. So lately I have been praying for the Lord to show me what is it that I should focus upon? What should be my first step? If you know your passion do something with it! Even the smallest thing! Try many things . . advice I need to begin to take myself 
LOL! If you are blessed to know your talent read this articleto encourage you to strengthen your talents.
01.08.09
For Those w Goals to Pay Down Debt in 2009
From Wikipedia:
The basic steps in the debt snowball method are as follows:
-List all debts in ascending order from smallest balance to largest.
This is the method’s most distinctive feature, in that the order is determined by amount owed, not the rate of interest charged. However, if two debts are very close in amount owed, then the debt with the higher interest rate would be moved above in the list.
-Commit to pay the minimum payment on every debt.
-Determine how much extra can be applied towards the smallest debt.
-Pay the minimum payment plus the extra amount towards that smallest debt until it is paid off.
Note that some lenders will apply extra amounts towards the next payment; in order for the method to work the lenders need to be contacted and told that extra payments are to go directly toward principal reduction.
-Once a debt is paid in full, add the old minimum payment (plus any extra amount available) from the first debt to the minimum payment on the second smallest debt, and apply the new sum to repaying the second smallest debt.
-Repeat until all debts are paid in full.
In theory, by the time the final debts are reached, the extra amount paid toward the larger debts will grow quickly, similar to a snowball rolling downhill gathering more snow (thus the name).
The theory works as much on human psychology as it does on financial principles; by paying the smaller debts first, the individual, couple, or family sees fewer bills as more individual debts are paid off, thus giving ongoing positive feedback on their progress towards eliminating their debt.
http://www.whatsthecost.com/snowball.aspx?country=us
http://www.getrichslowly.org/blog/2006/09/28/in-praise-of-the-debt-snowball/ : A great site to keep up with.
http://www.thesimpledollar.com/2006/12/09/the-debt-snowball-concept-how-i-made-it-work-for-me/
http://zenhabits.net/2007/03/10-habits-to-develop-for-financial/
12.05.08
Dad’s Advice . .
On a very personal note I am not attached and have a hard time finding men who treat me the way I want to be treated. I talk to my Dad about it a lot because I tend to date guys like my Dad. It is not a good thing. Do not get me wrong I am Daddy’s girl and I love my Daddy to death. But my Dad has his traits I can live without (showing up hours late and more) if I am choosing my man. So I go to Dad to try to figure out how to get what I want. His advice is always simple and the same.
You first have to treat yourself the way you want to be treated.
I know people hear this all the time; love yourself first. My Dad says take it to a level more than just your feelings. You have to date yourself. So that I what I have decided to do. Quite literally. I plan on taking myself out, getting pretty just for me, and maybe even buying me gifts =). Now I am terrified of taking myself out but Dad says it is important to learn how to be by yourself. So for my first date I plan on taking myself to the museum.
I adore all visual art so I plan on taking myself to the Art Institute of Chicago for their free Thrusdays night. Yes, free! See I am even a cheap date 
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