We’re co-sleeping until now and we were asking Lance if he can sleep na on his own bed. He agreed to us and we’re now looking for a bed for him and checking online for some kids bedding décor and showing it to him if he likes it. We haven’t found one yet but we’re hoping that soon he’ll find something he likes so we can buy his own bed na.
It’s tough being a mom but we rock!!! Happy Mother’s Day to all the mom’s out there!
Happy Mother’s Day to my mom who has always been an inspiration to me. I love you Mama!!! Just like my kids say “You’re the best ever!!!” mwah!
My sister just came home from the US last week and she said she had fun shopping there. If she did not control herself she could have bought a lot of things and come home with lots of stuff and a large bill on her credit card. She said she had lots of freebies after every shopping and even coupon which she can use the next time she comes back to a store. She said she even got walmart coupons which my aunt gave her and was tempted to use it too. Unfortunately she doesn’t have the time anymore to use the coupon because she’s going back here but she left it with my parents. I’m sure my parents will find a way to use the said coupon. ?
My kids had their last days of summer activity last week and we decided not to enrol them anymore for this May. Lance is really dark already and I want him to rest this month so he can prepare for his big school. It will be his first time in a big school and I want him to relax before his first day, and I also hope that his complexion will come back before school starts. As for Hannah, I want to continue pa sana her swimming lessons but the school schedule does not match na with ours. They offer private lessons and I’m thinking of availing of that so Lance can go too but until now we haven’t decided. I also have not contacted them as to how it works, like should I be the one to look for a swimming pool or they can recommend a good one just near our house. We’ll see. J
Whether you’ve lost your job, racked up tons of medical bills, or just can’t make your credit card payments anymore, filing for bankruptcy can often be the only way out of a tough financial situation. Unfortunately for many families, both Chapter 7 and Chapter 13 bankruptcy filings are on the rise in the United States. ?
Bankruptcy doesn’t mean that you’ll lose everything; in fact, some types of bankruptcies allow you to hold on to your assets and help you begin paying off your debts. Make sure you consult with an attorney who specializes in personal bankruptcy to find out what will happen to your assets after you file.
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Primary Residence
If you own your home and want to stop a foreclosure action, filing Chapter 13 bankruptcy will often let you keep your house. Depending on your state of residence and other factors, you can have your delinquent mortgage payments forgiven, reduce the interest, or lower your upcoming payments. Then you can get back to making your monthly mortgage payments and avoid having to uproot your family.
If you decide to file Chapter 7 instead, you will probably have to sell your home to help offset the debts discharged during the bankruptcy process. This is usually your best choice when you realize you’ve made the mistake of buying a house that you can’t reasonably afford, even during the best of times.
Personal Property
Under Chapter 7 and Chapter 13 rules, each state has guidelines for the value of personal possessions that it considers exempt from liquidation. Personal possessions typically refer to your clothing, jewelry, and household furnishings, but may also include a vehicle. Ask your bankruptcy attorney if you’ll be able to keep your car if you file bankruptcy, and make sure you estimate its value honestly and accurately.
If you’re filing Chapter 13 and still owe money on your car, the debt reorganization process can help you make sure that you keep your vehicle. This is quite useful especially if you need it for your job or business. You’ll get an immediate stay against collection efforts, giving you the time you need to work with a bankruptcy attorney and get a repayment plan in place.
There’s no question that filing for bankruptcy is scary, but it’s nearly always better than suffering under the weight of thousands of dollars of debt and the harassment of your creditors. Filing for bankruptcy can often be the most responsible course of action, and will leave you free to start over.
We need to start house hunting right away. The owner of the house where we are staying now talked to us and told us that they are selling the house to their immediate family member. We thought before that they will sell it to us but unfortunately they said that their relative is planning to buy it too so they will just sell it to them. We are given one year to look for a house so we really need to start looking for one soon! Hope we can find a place that’s nice and affordable and with good neighbourhood. Wish us luck!
Apartment Building (Photo credit: Wikipedia)
When you move from a house into an apartment, your children may go through some difficult adjustments. It’s normal to grieve the loss of a home. When you anticipate these adjustments, you can help your child adjust to apartment living.
Preparing for the Move
According to the Journal of Personality and Social Psychology, frequent moves can have a negative impact on a child’s sense of well-being. Moving, however, is a fact of life that children cannot avoid forever. As a parent, you can help children adjust. Start by saying good-bye to your old home. Throwing a good-bye party gives the children a fond final memory. That’s a huge step forward towards a healthy adjustment.
Making a book of memories helps children feel that they still own part of the old home. Whenever they miss their old room or favorite neighborhood spot, they can pull out the memory book. This nostalgic experience can cause tears, but this helps kids adjust.
Claiming Space in the Apartment
Children often feel secure when they are part of the move. This helps them assert their identities and discovery the fun aspects of moving into an apartment. Letting the kids choose their own rooms is one of the best ways to do this. If you absolutely need the master bedroom, then close the door before asking them to choose which rooms are theirs.
After the kids have chosen bedrooms in the apartment, let them take control of decorating. You can find kid-friendly decorating ideas at Disney’s Family Fun website. Work with them to make sure they stay safe, but leave the decorating decisions to them. You might end up with a tacky room, but it’s one that your kids made. They’ll feel at home with the new apartment, and they will get a creative outlook for any feelings that they might not have fully processed about the move.
Helping Teens Adjust to the Move
Teens often find it most difficult when they move into apartments located far away from their childhood homes. If, for instance, you used to live outside of Nebraska, your teens may need time adjusting to omaha apartments. You can help by giving them a calling card or cell phone so they can stay in touch with friends in their old neighborhood. Encourage them to make new friends near the apartment so they will learn that life’s changes are exciting opportunities for growth.
Moving to a new apartment with children presents several challenges. When done right, you can help them adjust quickly so that they will love their new home as much as the old one.
I remember in my previous work, one of the members of the management committee ensures that all employees will receive gifts every Christmas. A few years ago, I liked his gift of funny coffe mugs because it describes how he sees each employee. I find it sweet and thoughtful because he really spent his time to describe each employee on the mug he gave. And even until now, I still have that mug even if I transferred to a new company already. 
budget (Photo credit: 401K)
Families who want to add music to their mobile devices and music library have plenty of options. Nevertheless, it can be expensive to buy all their favorite songs. Finding budget-friendly services for families helps them get the music they want without having to literally strip the family of their monthly budget.
Muve Music is an unlimited music download service that meets this budget-friendly need with flexible options. It is an option that offers not just streaming music, but actual music downloads, with a wide variety of features available to customers. Those who subscribe to Muve Music are not bound to any contract or due any activation fees just to obtain the exclusivity of the music subscription service.
1. Options for Downloading Music
When it comes to searching for options that meet a family’s needs and budget, Muve Music from Cricket may just be one of the better choices. There are different benefits from services to rate plans when using this pre-paid service. When the 4G LTE agreement between Cricket and Clearwire announced its capability to develop even bigger benefits for the future, potential subscribers now have a bigger reason to subscribe.
2. Services from Muve Music
Muve Music allows the user to customize their own services, however many they would like to have in their phones. There are many services available from Muve Music besides the capability to download millions of songs, ringtones and ringback tones. It also comes with a Shazam feature that allows the service to recognize a song and display the artist’s name and its title just by listening to it. A My DJ feature enables the service to create playlists for you, while a Get Social feature allows you to connect to other people who are also on the Muve Music subscription. My Music, on the other hand, helps you organize your music, based on your preferences. It all depends on the plan purchased when it comes to the services provided.
3. Plans
When it comes to choosing phone plans, the usual deciding point is the rate to be paid each month. Fortunately for Muve Music potential users, the plans with this service can fit into a family budget, including unlimited downloads and more. Parents can even organize their plans in order to fit the wants of their children with the budget they can afford.
Families have to keep up a steady budget every month, especially when they have children to raise. Besides paying for food, house, electricity, school tuition and more, having music subscription may seem like a luxury. However, if this music subscription service comes with an affordable rate plan, parents won’t have to worry about deriving their children of the things they want. Muve Music allows parents and their children to meet a reasonable compromise between budget and entertainment.
I was playing around with my kids’ guitar. It isn’t a toy guitar. It looks feels and sounds like your regular acoustic guitar, only smaller. I admit that I’m a frustrated musician. My high school friends and I had a garage band but we never really took off from there. I didn’t even have my own gear then. When my kids grow up and turn out to love making music, I’ll make sure they use the right gear like the Music Man Guitars. From the looks of it, they do like music so maybe I’ll give them a little headstart.
