In order to improve your credit score you have to have some credit. You need to have a credit card, and more than one is probably the best, in order to have good credit. At this point the rate doesn’t really matter, if you plan on paying it off every month. If you plan on having a balance try to get the lowest rate you can, 10 percent is good. If you are looking to get a credit card but you aren’t sure where to start your search- use the Internet, a lot of good credit cards out there, with good rates. There are also a lot of good tools out there right at your fingertips. You can find out about interest rates and the different benefits available with different credit cards, do search around.

Do you know what I think is terrible?  The number of middle class families who do not have health insurance.  And you know what?  I fall into that category.  Our kids have insurance because we have bought it for them.  But with my husband being a small business owner he does not have an employer to get insurance through.  And to buy our own insurance policy would cost thousands of dollars each month.  And we don’t have an extra $2000 per month just sitting around. Just to get treatment for acne, which hormones and acne go hand in hand would cost us a lot to treat our oldest if we didn’t purchase insurance for her. We make too much to qualify for state help and we make too little to actually pay for our own plan. I am hoping things will change soon and we’ll be able to get some insurance we can afford.

Back when I was teaching it often scared me to think about the different diseases that the children might possibly have.  I know it’s awful to think about but you just never know.  The policy we had was to treat every child like they had something terrible like AIDS.  That means if the child is bleeding you get some disposable gloves and put them on your hands before helping the child.  We even wore gloves when handling simply treatment creams, like tretinoin cream . Sometimes it’s hard to think that way when you’re dealing with an innocent child but you have to keep your own safety and health in mind, as well as your family at home.

As we get older it can be harder and harder to get around.  And that can make it seem like you are losing your independence.  If this sounds like your situation or the situation of one of your loved ones you might want to consider getting a scooter or wheelchair for them.  Being able to get around by yourself will make it so much easier on you and you won’t feel like you’re becoming a burden to family members. Most insurance compaines cover wheelchairs, anyway that’s how it once was. If your provider doesn’t cover your chair, and you live in NC, check out health insurance in NC plans to see if you can find a new provider.

Looking for tips about toddlers and pets?  I don’t have them.  But, I need them.  My toddler is so rough with our dog.  She seems to think it’s a funny game.  Fortunately we have a very calm and laid back dog who would never do anything to our toddler.  But, of course she still can’t be mean and think it’s funny. It’s making me pull my hair. I think I would rather go get a colon cleansing then deal with this, just kidding, LOL!

Any helpful ideas?

Ever since I had my daughter a little over 3 years ago I have had a hard time with my contacts.  I used to be able to wear my contacts all day long without a problem.  Now after a couple of hours my eyes are so dry I can’t stand it and I have to take them out.

I don’t have any eyeglasses to wear anymore because I had gotten used to just wearing contacts all of the time.  I was checking out a few places online to get a new pair but haven’t found anything yet. I did come across a site that says they offer the best eye cream , not sure about that though. Anyway, I need to get back to my searches. If anyone has an idea or a site for me to look at please let me know.

I am looking for some ideas for more tips and tricks topics.  I know that even though you guys never comment that there are people out there who are reading my blog.  I check my stats and see that you’ve been here.  So, I’m asking you- my readers- for some help.  What kind of topics would you like to see covered here at Tips and Tricks?  More relationship information?  Parenting advice?  Travel tips?  Any weight loss success stories ?  Something else?  Leave me a comment or send me an email with your ideas.

Thanks!

I am feeling down right fat today.  The thing is that I really only need to lose about 10 pounds to be at the higher end of my goal weight-range.  Why don’t I just buckle down for a month and lose those last stupid pounds?  I don’t know.  It would probably be easier to use the best fat burning supplement to help me lose weight than to just try to do it by myself.  I don’t know- but I am sick of feeling fat!

My youngest daughter has some problems with asthma every time she gets sick.  We are fortunate that the only time it acts up is when she is sick.  Of course I wish that it never bothered her, but we just have to deal with it.

One of the ways we try to keep the breathing problems at bay is to use a cool mist humidifier running in her bedroom.  Well, we went away and forgot to empty the water from it.  Of course if you’ve ever done that then you know you have to change the filter and clean everthing, because it gets all moldy. We also need to make sure that we change out our AC filter , as well as the furnce filter, which is the same. Having a good clean filter keeps our air clean, which helps everyone in the house.

When I was young I was very tiny.  I had no idea how fortunate I was.  I ate what I wanted and I stayed teeny-tiny.  When I went away to college I wasn’t as active as I had been when I was younger.  I was in class all morning, at work in the afternoon and studying in the evenings.  There wasn’t much time for being active like I had been.  And my eating habits didn’t change.  So I started gaining weight.  Just a little at first, but before I knew it I was 20 pounds overweight, then 30 pounds… you get the idea.  I didn’t want to take diet pills, mostly because of the diet pill side effects . But with the power of the internet you can find the info on just about any diet pill out there.