• Time to consider Debt relief

    Three Signs That It Might Be Time to Consider Debt Relief

    When is it time to stop trying to pay off your debts all on your own and instead, seek professional help? There’s so much stigma around seeking help with your debt that it can be hard to know when that time has come. Here are three signs that it might be time to look for outside help with your debt situation.   You Can’t Make Even the Minimum Payments Once you get to the point where your debt has built up so much that you can’t even pay off the minimum amount on each of your debt accounts, then it’s seriously time to look into your debt relief options. A…

  • Wood versus Pellet Stoves – An In-Depth Comparison

    If you’re thinking of buying a new stove for your home, one of the big decisions you’ll need to make is whether you want to get a wood stove or a pellet stove. Both can provide dry and consistent heat for your home and family. But their costs, their maintenance and their operation can vary widely. Which is better for you and your family? Let’s take a look at some of the most important factors in Wood vs Pellet Stoves.  Ease of Maintenance A pellet stove is much easier to maintain than a wood stove. Pellets burn very cleanly when compared to wood. They produce less smoke, less ash and…

  • Should You Keep Unused Credit Cards Active?

    We have all succumbed to the lure of owning a credit card or two. The importance of having good credit is everywhere in today’s media. I’m even considering getting a new credit card, though I do not need one and it might lead me into temptation! So, today, we tackle the question; Should You Keep Unused Credit Cards Active? While it is an excellent idea to establish good credit early on in life, as well as a necessary evil, it is equally important to know when too much is enough.   The Cons of Keeping Credit Cards Active If, like most of us, you have a wallet full of credit cards…

  • What Is Debt Consolidation?

    What Is Debt Consolidation?

    If you’re flooded in debt, one option that you may have heard about is debt consolidation. There are many pros and cons to using a debt consolidation program. Keep in mind that in order to qualify, you generally need at least $7,500 in unsecured debt. Here’s how debt consolidation works.   Debt Consolidation 101 The basis of debt consolidation works like this. Let’s say you have four different debts, all of which total up to $1,100 a month in debt payments. You simply can’t afford the payments anymore. Instead of defaulting or going into bankruptcy, you go to a debt consolidation company. The debt consolidation company will turn to your…

  • Three Recipes: How to Make Slow Cooker Appetizers

    When it comes to slow cookery, many people envision large quantities of stew or big roasts. Of course, you can do these main dishes with your slow cooker; but what about something like appetizers? You can cook those in your slow cooker, too! Here are some suggestions and recipes for making slow cooker appetizers.   1. Dips and Spreads Your slow cooker is perfect for making dips and spreads. Here are some ideas. Refried Bean Dip In a skillet, brown: 1/2 pound ground beef and 1 15-oz can of refried beans in 3 tablespoons of bacon grease. Pour this into your slow cooker, and stir in: 1 lb. cubed yellow…

  • Five Heat Producing Stove Options

    If you need to heat your home, there are a myriad of options you can choose from. All of them pose different trade-offs in installation costs, in heating costs, in heat generated, in ease of use and even in safety. Here are five of the most common options you can choose from.   Stove #1: Corn Burning Stoves Burning corn is a very environmentally friendly fuel source. There are no imported petroleum products needed to create the fuel source. You simply burn shelled corn to generate heat. Depending on the cost of shelled corn in your area, it can also be a lot more affordable than other options. For example,…