When I was contacted by this company about sharing their website with my readers I was skeptical. I completely expected to find out that this was a website for some debt consolidation company or consumer finance company; neither of which is a good option, in my opinion. If you've read this blog or my bio then you know I'm a fan of Dave Ramsey and his approach to being debt free. We've followed it and are now debt free with a nice comfortable emergency fund. We are working to pay off our house now, but no matter how comfortable things may be, you never know what the future holds. My husband's job is a bit unstable and we continue to prepare for the "what if" of it disappearing (thus the larger than required emergency fund). We know that a day could come when we'd have to make some drastic cut-backs, which brings us to ICantPayMyBill.com .
Unlike what I expected to see, what this site actually is some common sense regarding how to deal with creditors or bill collectors when you can't pay your bills. From dealing with your cable company (and the common sense of if you are a budget crunch you might want to consider turning off the cable) to dealing with your mortgage company or car finance company or credit card, etc. They provide some basics for what you can expect when dealing with each type of company and then get more specific, with details on individual companies and how to contact them and what you can expect from that company when you get behind. So, my suggestion would be to check out Dave Ramsey, whether or not you are behind and learn how to get debt free. And if it's too late, and you are already behind, you should check out ICantPayMyBill.com
Saturday, December 31, 2011
Today's Kindle Freebies!
Not sure how long these will stay free so be sure to check the price before you purchase.
Knighthorse: Books One and Two - Includes "The Dark Horse" and "The Mummy Case", two Jim Knighthorse mystery novels.
SETUP ON FRONT STREET (Key West Nocturnes series) - "Key West, 1991. Don Roy Doyle is back in town. Tough and quick-witted, he's fresh out of prison, where he served three years for a diamond swindle. Now he's back to collect his share of the proceeds, about $200,000, but the money has vanished. A local family dynasty which has controlled the island's politics for generations, a cop with a grudge, the FBI, and the Russian mob all have a stake in the action. They're convinced Cuba is on the verge of "opening up", and they all want Doyle gone. "
Maids of Misfortune: A Victorian San Francisco Mystery - "It’s the summer of 1879, and Annie Fuller, a young San Francisco widow, is in trouble. Annie’s husband squandered her fortune before committing suicide five years earlier, and one of his creditors is now threatening to take the boardinghouse she owns to pay off a debt. Annie Fuller also has a secret. She supplements her income by giving domestic and business advice as Madam Sibyl, one of San Francisco’s most exclusive clairvoyants, and one of Madam Sibyl’s clients, Matthew Voss, has died. The police believe his death was suicide brought upon by bankruptcy, but Annie believes Voss has been murdered and that his assets have been stolen."
In Her Name (Omnibus Edition)- "This is the omnibus edition, and contains the complete novels of IN HER NAME: EMPIRE, CONFEDERATION, and FINAL BATTLE in a single volume. As one reviewer said, IN HER NAME is “a grand story of love, power, sacrifice and good versus evil” that seamlessly blends together epic fantasy, science fiction, and romance as it chronicles the coming-of-age of a young warrior hero torn between love and honor..."
Pirates of Savannah: The Complete Trilogy - Colonial Historical Fiction Action Adventure (Pirates of Savannah (Adult Version)) - "Pirates of Savannah : The Trilogy includes "Sold in Savannah", "Battle Rats" and "The Rise of April", The trilogy is a historical fiction novel about the birth of liberty in the south. It takes place during pre-Revolutionary War age, truly a fascinating time in history that has been greatly ignored by other authors. At its heart, it is a tale of prisoners, refugees and society’s casts offs all joining together to escape from government tyranny and discover a path to liberty. Find out how a group of oppressed colonists gain the courage to start defying authority and begin planning a revolution from British control."
The Lost Journal - "In 1778, during the peak of the Revolutionary War, a secret document is hidden and its whereabouts are known to only one man. Now, more than two centuries later, Seth Layton accidentally discovers the journal that will unlock its location and he is on a quest to find it. Joined by his grandfather and new female friend, Madison, they are chased by unsavory characters and some powerful people through historic Philadelphia to the streets of Washington DC. What American secret will the journal unveil and will Seth and his companions live long enough to reveal it?"
H10N1 - "A deadly influenza virus rages out of control. There is no easy-fix vaccine. No eleventh-hour containment. Only death. With no workforce, power plants are unmanned so there’s no means of communication; police and fire departments have collapsed so no one is safe; looters are scavenging everything from big-screen TVs to canned peas. When Dr. Taeya Sanchez finds herself unceremoniously dismissed from an emergency medical facility in New York, she decides to steal the hospital’s armored van for a midnight escape. Unfortunately, Rick DeAngelo, a driver for the hospital, has already stocked the van for his own getaway. Thrown into an unfriendly alliance, these two must pick their way across the dangerous wasteland of America in search of a safe haven. And as the miles roll by, they discover that the living should be feared much more than the festering corpses out there."
Knighthorse: Books One and Two - Includes "The Dark Horse" and "The Mummy Case", two Jim Knighthorse mystery novels.SETUP ON FRONT STREET (Key West Nocturnes series) - "Key West, 1991. Don Roy Doyle is back in town. Tough and quick-witted, he's fresh out of prison, where he served three years for a diamond swindle. Now he's back to collect his share of the proceeds, about $200,000, but the money has vanished. A local family dynasty which has controlled the island's politics for generations, a cop with a grudge, the FBI, and the Russian mob all have a stake in the action. They're convinced Cuba is on the verge of "opening up", and they all want Doyle gone. "Maids of Misfortune: A Victorian San Francisco Mystery - "It’s the summer of 1879, and Annie Fuller, a young San Francisco widow, is in trouble. Annie’s husband squandered her fortune before committing suicide five years earlier, and one of his creditors is now threatening to take the boardinghouse she owns to pay off a debt. Annie Fuller also has a secret. She supplements her income by giving domestic and business advice as Madam Sibyl, one of San Francisco’s most exclusive clairvoyants, and one of Madam Sibyl’s clients, Matthew Voss, has died. The police believe his death was suicide brought upon by bankruptcy, but Annie believes Voss has been murdered and that his assets have been stolen."
In Her Name (Omnibus Edition)- "This is the omnibus edition, and contains the complete novels of IN HER NAME: EMPIRE, CONFEDERATION, and FINAL BATTLE in a single volume. As one reviewer said, IN HER NAME is “a grand story of love, power, sacrifice and good versus evil” that seamlessly blends together epic fantasy, science fiction, and romance as it chronicles the coming-of-age of a young warrior hero torn between love and honor..."Pirates of Savannah: The Complete Trilogy - Colonial Historical Fiction Action Adventure (Pirates of Savannah (Adult Version)) - "Pirates of Savannah : The Trilogy includes "Sold in Savannah", "Battle Rats" and "The Rise of April", The trilogy is a historical fiction novel about the birth of liberty in the south. It takes place during pre-Revolutionary War age, truly a fascinating time in history that has been greatly ignored by other authors. At its heart, it is a tale of prisoners, refugees and society’s casts offs all joining together to escape from government tyranny and discover a path to liberty. Find out how a group of oppressed colonists gain the courage to start defying authority and begin planning a revolution from British control."The Lost Journal - "In 1778, during the peak of the Revolutionary War, a secret document is hidden and its whereabouts are known to only one man. Now, more than two centuries later, Seth Layton accidentally discovers the journal that will unlock its location and he is on a quest to find it. Joined by his grandfather and new female friend, Madison, they are chased by unsavory characters and some powerful people through historic Philadelphia to the streets of Washington DC. What American secret will the journal unveil and will Seth and his companions live long enough to reveal it?"H10N1 - "A deadly influenza virus rages out of control. There is no easy-fix vaccine. No eleventh-hour containment. Only death. With no workforce, power plants are unmanned so there’s no means of communication; police and fire departments have collapsed so no one is safe; looters are scavenging everything from big-screen TVs to canned peas. When Dr. Taeya Sanchez finds herself unceremoniously dismissed from an emergency medical facility in New York, she decides to steal the hospital’s armored van for a midnight escape. Unfortunately, Rick DeAngelo, a driver for the hospital, has already stocked the van for his own getaway. Thrown into an unfriendly alliance, these two must pick their way across the dangerous wasteland of America in search of a safe haven. And as the miles roll by, they discover that the living should be feared much more than the festering corpses out there."
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