Time to Pay the Piper

Well today is Pay the Bills day.

I hate this day every month. It is the hardest day for me. Not that I don't won't to pay. But that there is never enough money. I am sure y'all understand.

And with my CG away at school and DH working two jobs to support his kids it just seems that I am here alone struggling with the bills. I have wondered about Debt Cosolidation but don't know what all could be worked down to a smaller fee or amount. And of course your regular bills don't fit there either.

We don't have credit cards and the such. Just the ol fashion gotta pay the mortgage and hope there is money left for a tank of gas type life.

So how do you handle this day? Do you do it? Or does the spouse? Is it with a glass of wine or a cup of coffee? A little each week or all at one time? And are you ready for taxes next?????? Oh no!

Taxes are Due

1st I would like to ask you to visit my
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Thank you.

My brother contacted me today about my dad's taxes for 2008. I am not sure you would remember but I lost my dad in February. His taxes are now our responsibility. I am not sure how I am going to pay for them. My brother inherited his house but had to let it go. He did not have the means to pay for the mortgage. And in this market was not able to sell it in time to save the house. So there is not an income from that to help with the taxes.

You see my dad did not have mortgage insurance on his home. Nor did he have life insurance. If he had used a company like NAA Life, we would not be in this situation. I started looking up information online for DH and I. You see I too need to get this insurance to protect my own CG. So I started checking out what was available. That is how I found NAA Life. I did not even know we could have mortgage insurance before reading on this site. Our home is purchased on a for sale by owner program. So I do not have a mortgage company that could have told me about this. I have found how important it is to take care of my CG in all circumstances. For this is my responsibility and would be my reassurance too.

I also need to get life insurance for me. DH has this through work. But as a SAHM on disability I do not have that option. So it is time for me to look at what I can do. I do not want CG to one day be in my shoes. Having inherited a house only to loose it. Or to have to pay for my debts due to me not taking care to provide. This sure would give me peace of mind. I hope to leave her "a piece of paper" that is really an investment for me and her.

Do you have any insurance? On your home? Life? Who would you want to protect?