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2012 March — Trapper Sherwood

Virtual Book Tour For Kate

Welcome to day #4 of my Virtual Book Tour for Prayer Prescriptions: Spiritual Remedies For Long Lasting Health.

What is a Virtual Book Tour, you may be asking? As an author of my upcoming book, I’ve looked into ways I can promote the book without breaking the bank. In fact, a Virtual Book Tour doesn’t cost anything. It’s a way to reach out to fellow bloggers, post on their blogs about my book, and drive traffic to their site all day.

It’s a win/win.

Publishing houses no longer do publicity for the books they are publishing, except for New World Library, perhaps. Since Prayer Prescriptions: Spiritual Remedies For Long Lasting Health will be published at the end of May, this will be a long Virtual Book Tour, giving me plenty of time to learn along the way.

Isn’t that what life is all about? Learning and growing as we seek Peace Of Mind in our lives.

-=-=-=-=

I’d like you to stop by my author blog. There’s a lot going on there and we’ll have an opportunity to connect there. Please be sure to introduce yourself!

http://katelovingshenk.com

Kate has been a practicing RN/CRNP for 28 years, and currently acts as a Labor And Delivery Nurse, which is very special, indeed.

Additionally, Kate is planning further “Prayer Prescriptions” books surrounding aging gracefully and Prayer Prescriptions For The Love Of Our Companion Animals.

How To Avoid These Sticky Financial Situations

Let’s face it, when it comes to bad habits with our money, checking accounts and credit cards we’ve all been there.

It is easy to get into bad habits with our financial matters. I know of very few people that have enough money to simply buy what they want without a second thought. Most people have to plan their purchases and keep a close eye on their finances to keep themselves solvent.

Many people have bad habits of getting too far in debt with credit cards. The cards are easy to get. You can get a handful of Visas and Master Cards, an American Express Card, a Discovery Card, and several cards from retail stores without much effort. You don’t have to have much income to get these cards either.

None of the card companies seem to consider or care that you might have to pay payments to the other cards. Have you ever gotten one or two of these cards and said to yourself “I’ll just hold on to these cards just in case of an emergency.” That’s all well and good, but if you get into bad habits with them, you can end up spending them to their limits. You may reach a point where you cannot even make the minimum monthly payments.

You might be tempted to borrow money from relatives at a time like this, but that would be just another of type of bad habits. Relatives may want to help you from time to time but this would just get you into the bad habit of going to them each time you need money. Yet, there will come a day when the money will run out, or the situation will get old. The relative will not only discontinue “loaning” you the money, heck they might stop speaking to you as well. Especially if you haven’t paid them back from before.

When it comes to friends, both borrowing and lending money are bad habits. Just don’t do it. It puts a strain on the relationship that many friends can’t handle. One friend might forget how much was borrowed. Yet, there may be animosity if a written contract is suggested. You can rarely win when you get into this bad habit.

Many people get into trouble financially because the have the bad habit of not sitting down to make a budget. They have a general idea of where the money should go, but they really don’t. They may think they have it all in their brains. It never quite comes together, though, unless you put it on paper (or on a spreadsheet on a computer). Only then will you know you have everything included.

Most utility companies have a certain grace period before they will cut off service. Some people count on this grace period and get into bad habits when it comes to paying their utility bills. If you do this you put yourself in jeopardy of losing your lights or water. You also destroy your credit rating.

Some financial bad habits have to do with the way people manage their checking accounts. One thing people often do is to throw away paperwork they get when making transactions. Of course, there is a time to throw it away. Yet, until it is recorded into your account, you need to keep deposit, ATM, and debit slips to verify that the correct amount was taken out.

Some people even have the bad habits of not reconciling their checking accounts. There are so many software programs out there that can make it very easy on yourself. Use them. It is important to be sure that your account has in it what you think it should. For one thing, there is no better way to catch fraud.

Take charge of your money habits and make your life less stressful and more productive.