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Getting ready for Valentine’s Day

Felt FlowersWell since you already know I’m not a romantic you might be questioning this post.  Just because I’m not romantic doesn’t mean I don’t like pretty things!  We took our Christmas décor down about the 2nd weekend of January and left a bare grapevine wreath on my door….which stayed for about 1.5 weeks….irritating the crap outta me!!!  We had car trouble and I was just exhausted from it all……nothing was getting done!  So finally last week I decided to make some felt flowers that I saw on Pinterest.    I had scrap felt, the wreath, a hot glue gun…so my cost would have been $0.00 but I was browsing walmart that morning and saw a 4pk of large glitter foam hearts and loved them and they were only 97¢!  The wreath took me about an hour to make.  It’s simple, sweet, and I love it!.

Red Velvet Cupcakes and Homemade Cream Cheese Frosting

Red Velvet CupcakeSo I love cake (mostly milk chocolate)!  I love getting a black and white cupcake from Sprinkles or a red velvet cupcake from Red Jett Sweets.  But they are both far from me and I just can’t drop everything and drive to Dallas or Fort Worth.  So since I do like to bake I decided to make cupcakes this past Sunday.

I like to keep it simple when it comes to baking.  If I’m making a cake/cupcakes I usually use a box mix and make the frosting.  Why make it difficult and time consuming when you just want a dessert!  You can still make it look fantastic!  I used a Duncan Hines red velvet cake mix and made 24 scrumdidillyumptious cupcakes.  I used this frosting recipe.  It’s yummy but it doesn’t taste like Sprinkles to me…but that’s ok.  I don’t really like frosting anyway so I’m not a good judge when it comes to that, lol!!.

Why I decided to stay at home

Kennyth and JaysonI’ve done the work in office thing for many years (health insurance) and when my son Jayson was born I quickly decided to stay at home….daycare for 2 lil ones was very expensive.  Little did we know that I would need to stay home with the kids.  We noticed that Jayson was having some developmental delays around a year old.  We thought it was because I stayed home with him and we didn’t get out much.  I joined playgroups and tried to get out more and nothing seemed to help, he would just separate himself from the group.  That’s when I decided to go back to work.  But not just any work…I wanted to work in daycare (did that several times and LOVED it).  Mostly because he could be there with me and I could see his development and bonus a discount so it wasn’t going to cost as much.  But he wasn’t developing much.  I made that dreaded call to Early Childhood Intervention (ECI) and boy was that one of THE BEST things I could have ever done!  Most of his therapy took place at daycare and we started seeing an improvement right away.  The bad part was he was only accepted to the age of 3.  He was already 2!  But then more great news came….there was a school…free of charge in the ISD we live in that he could attend…if he qualified.  Then worry hit again…would he qualify?!  That day came and he did qualify.  According to the tests and forms we had to fill out is when we finally had conformation that yes…Jayson is Autistic.  So we now start our new way of life….our new journey..

A quick talk about personal loans

A personal loan is a form of credit that can help you make a big purchase or consolidate high-interest debts, but does not carry the same benefits of a mortgage. Unlike a mortgage, you can’t pay off the loan at a higher interest rate; it’s an open-ended credit line.

The bank or lender may set your monthly payment based on your income and use the loan to compensate you for a portion of your interest expense, up to your annual limit.

Personal loans are much more expensive than mortgages, and they carry greater protections. Your loan is usually backed by a bank or trust company that will file a lawsuit against you if you default. It will also charge you an annual percentage rate (APR) that’s much higher than the standard rate. This is why you should make sure to use a personal loan calculator before taking out a personal loan, this way you’ll know if you’ll be able to make the monthly payments.

 

Loan Application

A loan аррlісаtіоn іѕ a fоrmаl dосumеnt thаt lenders rеԛuіrе prospective bоrrоwеrѕ tо соmрlеtе аnd ѕubmіt to bеgіn thе lending рrосеѕѕ. Eасh lender hаѕ іtѕ оwn аррlісаtіоn, so thе ѕресіfіс rеԛuіrеmеntѕ mау vary. In gеnеrаl, thоugh, уоu’ll nееd tо provide basic personal information, how muсh уоu wаnt tо borrow аnd the purpose оf the lоаn.

Thе fоrmаt оf a loan application mау аlѕо vary bу lеndеr. Whіlе there аrе numеrоuѕ online lеndеrѕ thаt оffеr a соmрlеtеlу online аррlісаtіоn еxреrіеnсе, оthеrѕ may need tо dіѕсuѕѕ уоur аррlісаtіоn over the рhоnе before рrоvіdіng a dесіѕіоn.

Whаt Should You Dо If Yоu’rе Dеnіеd?

A lеndеr саn dеnу уоur реrѕоnаl lоаn аррlісаtіоn fоr a numbеr of rеаѕоnѕ. Yоur сrеdіt ѕсоrе mау bе tоо lоw оr уоur DTI could be tоо high. It’s аlѕо possible thаt уоu аѕkеd to bоrrоw more money thаn the bаnk thinks you саn rерау bаѕеd оn factors lіkе income, еmрlоуmеnt ѕtаbіlіtу and оthеr outstanding dеbtѕ.