No Credit Needed

No Credit Needed has complied a list of personal finance bloggers best tips on frugality, saving at home and personal finance. There are over 40 tips included.

Pool Expenses -Does the wording make a difference

Our pool membership dues are due before May 1. If we pay on or after May 1 there is a penalty. My husband mentioned that people will forgo a discount but do not want to pay a penalty. Does the wording make that much of a difference?
For example: pool membership dues that cost $1,000 and are discounted to $900 if you pay before a certain date is the same as $900 with a $100 penalty if paid after a certain date.
They also have another way to get your money even earlier. If you pay by March 15 you will rec. 5 guest passes for free.
Wait there is more. You can prepay for guest passes, 5 for $20 rather than 5 for $25 later.

Firsts

Here are some of my daughter's firsts.

Dec. 27, 2007 -sat up on her changing table
Feb. 21, 2008 -crawled from the livingroom to the end of the diningroom
March 5 or March 7, 2008 -clapped
March 13, 2008 -1st tooth appeared on the bottom; 2nd tooth towards the end of the month
March 16, 2008 -crawled on hands and knees alittle
March 30, 2008 -said duck when we gave her a duck at church
April 1, 2008 -can try to get up without assistance but is not able to stand yet, getting there; has been crawling more on hands and knees
April 19, 2008 -top two teeth appeared; has been standing on one foot and kneeling on the other leg for awhile; stood holding onto the couch today; has also stood holding on to other items; no cruising yet; does not like the feel of grass on her feet or legs;
May 14, 2008 -crawled up the stairs
May 18, 2008 -stood by herself; said duckie when she picked up a duck off the floor

Congratulations to Life in the Hundred Acre Wood

Congratulations to Anjali and Brian on their new addition!
Life in the Hundred Acre Wood.

Here is the list of future hosts for the Carnival of Debt Reduction:

Mar 17, 2008 Ask Mr Credit Card
Mar 24, 2008 Debt Reduction Formula
Mar 31, 2008 Motherhood101Aplus
Apr 07, 2008 RealWorldReally.com
Apr 14, 2008 No Debt Plan

Happy Birthday my child in Heaven

Dear Baby Michael,
Happy 2nd Birthday to you my son! March 15 was the day you went to heaven two years ago. Too bad we can't plan a party for you here on earth.
We deeply miss you always.
Love,
Mommy

Inspiration

Alot of times I read blogs for inspiration. Not for inspiration for what to write but for what to do. Reading the organizing blogs sometimes I see something and I say, yes that would be a good thing to do.
Nothing is inspiring me today. The weekends are normally fun. I think up tons of things to do. Things to fill my week days are harder.
Maybe tomorrow my inspiration will come; since it is the weekend.

Sometimes it is hard to be the one planning all the activities. Hint, Hint.

OKAY. I just read something to inspire me.
change is good.

Now how to implement it is the question.