catching up

Oh mmy angel, she must look a picture, my gosh i remember losing all my baby teeth, no tooth fairy for me though 😞

My angel please be carful with it, i really wish i could teach you how to use it safely, they are trying to push everyone onto internet banking even my mum, i have told her to always tell them no.

🙂 yes i have a PO Box for security, many people go around here taking mail out of peoples mail boxes looking for money for drugs.

i am glad the girls enjoyed their swim, you really should have joined them 🙂

Oh my angel, i can teach you, but i don't want you to use your credit card on their, can you please go to the post office and buy a "pre-paid" visa credit card, this way you use it once then throw it away, get a $20 one, that will cover 2 knee braces, once you get that i will teach you how to buy through Ebay.

i promise you are very smart so it should be easy to walk you through buying the knee brace.

Ummmm, yes and no, you have internet banking now, so if someone want access bad enough they can still gain access to your accounts. because you are not using it you are reducing your risk sugnificantly, but the banks do claim if their is unothorised transactions they will reimburse so make sure you keep an eye on your statements, as i am sure you already do 🙂 i suffer from paranoia, so i check my statments every month.

my angel, don't worry too much about it, their will be a day soon where they will force everyone to do online banking, it will be the way of the future, i hope you just transfered the money to the reblockers, that would have been the easiest way, $15 is a small cost to pay for safety.

I am ok my angel, just washed down all the kitchen, and am just about to water the garden, we have 41 degrees tomorrow so they need a drink badly 🙂

hugs my angel, hope we can talk some more tonight. miss you

Jacques

My angel, it is ok, i know how hard these things are, i can get pressured into doing things i don't want to do as well, that is my life story.

hugs my angel, please don't make yourself upset over this, it is done now, remember you only have to use it if you want to, ok? when you feel comfortable, then use it.

Oh Karen, you poor think, talk about jumping into the deep end, your husband was so cruel, my parents made me take car of my own money when i was 15, any loans etc i had to sort out myself, please try to start keeping track of where you spend it, i would hate to see you being taken advantage of.

yes i do the same as your parents, i always keep track of what i have spent, i use a computer program to do it, but mum does it with pen and paper,

Karen, it is so easy to use money, please be careful, saving can go so quickly if not managed correctly, take your time, learn from others, and make an effort, i am sure their is much i have to learn too, please don't put yourself down just because you don't know how to do something, make yourself proud of the fact that you have learned and you have conquered what you did not know.

If you would like any advice i will do my best, please be careful, don't tell anyone how much you have and try to keep track of what you use.

Hugs my angel, you are a smart woman, you will pick all this up quickly.

Jacques

Yes i can understand that my angel, yes, i am sure in some cases people are taking advantage of you, i know your mum is, it makes me so sad to know you are being taken advantage of.

it is a very scary world out their, one has to be smart and think long before making decisions. i tell you what, when you feel you are being pressured into something again, tell the person you will think about it, or say you are going to consult family, that way it gives you time to think about things before making a decision? i do this often, that way you are away from the pressure.

Please don;t get credit cards or loans if you can help it, i have just finished paying of a credit card at 33% interest, i paid the amount of 3 times of it's value, just try to manage your money as best you can, and ask advice when approriate.

it is tough Karen, the girls will find it hard, but having material things will not make them happy, as you well know, you ned to make sure the bills are payed and you all have food in your tummys, everything else is a bonus. that is my philosophy of life.

Karen, try not to put too much pressure on yourself to make them happy with things, you are doing good teaching them about the simple things in life and having some good times. in the end the girls wil only remember the love you showed them and special times with you, i can garentee they will nto remember the toy they wanted or any material things.

Karen, we all have a lot to learn, i am always learning, life is one long learning journey, we all make mistakes, we all wish we had done things differently in hind sight, we just need to navigate our lives as best we can.

my angel, i am happy to help as much as i can, i just don't want you to make the same mistakes i have made. it would break my heart.

My angel, please keep your private health, as you said it is so important for your future health, i know how expensive it is, i just can't afford it, but i am trying desperately to get it for mum, as she is getting more health problems. i hope you can get your knee sorted out sooner rather than later.

a budget is fairly straight forward, you set an amount you are going to use each week or month, keep track of how you spend it and adjust it for any unexpected experiences, i budget on $400 per fortnight, that is to cover my bills and food, anything left after that is for entertainment, i break my bills down into:

1. utilities - rates, water, insurances
2. food - take away and groceries
3. Entertainment - games, toys, tools, hobbies

for me that is the order in which i operate, always bills first, then food then fun 🙂

as for the reno's Karen, set an amount on each room i have found is the best, sort your receipt's into each room so you can keep track of what you are spending where, and tally them regularly.

don't stress if you go over budget, we all do, i had an unexpected expense with the house rewiring, so i just slow down to recover the money.

my angel, you have so many responsibilities, and two little ones to look after, it is a big burden to bear, but everyone has these problems Karen and everyone makes mistakes, the key to all this is learn from your mistakes. that is what makes you smart 🙂

my angel, i am so glad you are being pro-active on all this, you are so intelligent, and to know your private health cover is due without a bill, you are keeping track, so i am proud of you. oh the joys of adult hood hey 🙂

you should have no troubles paying without a bill, just go in and see them, most places are very understanding. if you feel you are being pressured or told to change plans get all the information, go home and study it before you make a decision, this way it will give you time to see if it is what you really want.

hugs my angel, you are doing really well already, just keep things as simple as possible and you will be ok.

oh my angel, i promise i will be here Friday to support you, their is no point worrying about the what if's you need to make sure you care for yourself until then, if it happens then worry about it, otherwise you are upsetting yourself for nothing 🙂 my angel, i wish you did not have all this pressure on your shoulders, i wish things where easier for you, but always remember you have a friend here who will help guide you as best i can, and others will be here to give advice also.

hugs my angel, you are amazing, (oh how is the tooth fairy interrogation going 😄 )