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This is just a heads up for anyone out there who could have this happen to you.

Did you know that if you have federal student loans, become disabled, defer your loans, stay in contact with the loan company, etc…….that you too can get a phone call telling you that your disability benefits are being garnished.

And not just garnished, but SUPER garnished. To the tune of $600 a month (out of the $869 you get to live on). Yep, that’s over 70%. I tell her that payments like that would leave me homeless, she told me to go get on welfare. Then she told me to take out a payday loan that I can’t afford to pay back, just so I could make my first $600 payment. WHAT?!?!?

Not only that, but the collector will be more than happy to tell you how useless you are, ask you about your medical history, and talk about your personal life. She’ll also yell at you on the phone when you don’t give her the answers she wants. All the time demanding you hand over your banking information.

Then she’ll offer to “get you into another program” that will drop your payment to $400 a month. When you explain you can’t afford that either, she’ll “offer” to get you into another program and drop your payment to $200 a month. You explain you aren’t paying anything until you get paperwork, she says you can’t have any paperwork until you make a payment. WTF?!?!?

So, I state one last time, I’m not making a payment today and I want paperwork. These people have never contacted me to say my loan was even late. On top of that, I had been in constant contact with them, and each time I was told everything was fine, the loans were being deferred.

The woman then says fine, we’ll just garnish you then. I tell her, “that’s fine, at least I’ll have some type of paperwork then.” She hangs up on me.

I’ve already told my sister not to take out any loans for school, I would really hate to see her have to deal with these people and get lied to also.

My advice if you’re gonna go to school: get private loans or pay out of pocket. DO NOT get any federal loans, these people are allowed to do and say anything to you, and you basically have no rights at all.

I know I have these loans, I just can’t afford them right now while I’m trying to get everything caught up. I planned on paying them. I thought I was doing the right thing by staying in contact with them and keeping them deferred, boy was I wrong.

Hell, I was actually planning on going back to school at some point, but not now. Even if the loans are taken out of default status. I don’t want any more of a reason to deal with these slimy liars.

J

Tags: collections, disability, federal, school, student loans

Someone contacted me and asked this question:

Seeing the totals you have from the programs you are a member of, how much of that is from doing trial offers?

None of it. I don’t have any problems with doing any credit card/trial offers, but there isn’t any that really interest me enough to try them right now.

All of the money I have made is purely from doing freebie offers and the 2-3 active referrals I have. I have paid out nothing.

I do a few offers every day at the 3 sites I’m active on and that’s it. Will it make me rich? No. Will it pay off all my bills? No. Does having the extra money help? YES!

Some months will be better than others, that’s a given. But staying on my routine, I will bring in at least $80 a month. Most months will be more, but $80 is the minimum.

Hope that helps.

J

Tags: get paid to, monthly income, offers, programs, trials

Lately, I’ve been thinking a lot about my health. For 35, I seem to be falling apart. So it’s been suggested that I start doing some exercise. Well, I hate those workout videos and I have a stepper that’s collecting dust. I just don’t seem to be able to stay motivated. When I was a kid, I couldn’t sit still, now I can’t make myself move, ug.

I’m not over weight, tho I am heavier than I like. I weighed 135lbs most of my life, then I gained 20lbs in the last few years. I hate it. I feel awful and I wear nothing but baggy jeans and t-shirts now. I just want to feel better.

Then I was channeling flipping one day and caught part of a show on the Fitness channel. It was teaching belly dancing. I thought it was pretty neat. And I’ve been playing with the idea of getting one of the videos, I found a few on Amazon. I’m hoping that because it’s something I think is neat, that will keep me motivated.

Besides, what could be cooler than havin a few belly dance moves in your reportoire?

I’ll also be adding a page for my dancing adventure (another ploy to try to help keep me motivated). I’ll list what I’m doing and my weight. Not sure if I’ll list measurements or not, that just feels weird.

I’ll keep you updated.

J

Tags: belly dancing, fitness, health, loose weight, taking care of yourself, video, workout

This is not a program I use on a regular basis, but is definitely worth talking about.

The program runs smooth and is easy to navigate. Not to mention that you can begin getting paid your first day as a member. Seriously.

All you have to do is verify your information over the phone (which is really easy), reach the minimum $2 payout for Paypal and make your request. The first payment may take up to 24 hours, but after that you’re all set. All of my payouts have gotten to me in less than 2 hours. Most of the time, it’s within an hour.

Here are proofs of payments I have recieved over the last few days: Lagoon 1, Lagoon 2, Lagoon 3, Lagoon 4. All of these payments were over a 36 hour period. I just made the requests as I reached the minimum.

It’s definitely a great site to be a member of. I’ve always been very happy with it.

J

Tags: cash lagoon, easy, Money, payments

I must admit, when I joined this program I didn’t have very high hopes. Face it, it’s not a program that a lot of people are talking about. But I can tell you they should be.

In the last few weeks, I’ve made over $55 there. Not to mention Reagan (admin/owner) is fabulous. I even took part in a few contests and won a lil extra.

Then there’s the forums. Everyone is soooooo friendly and helpful. It feels more like a community rather than a get paid to site.

I’ll definitely be keeping this one around, I can’t wait to see how the site continues to grow. If there’s one site you need to be a member of, this is it. Not only can you make some money, but have a ton of fun and make a few new friends while you’re at it.

J

Tags: cash, get paid to, gptcashcow, Money, offers, program

Ok, so today just kind of spiraled our of control. I was planning on starting my regular posts again, but lost time.

Now, I’m nervously typing this in the middle of a HUGE storm. The power has already been flickering and at first I couldn’t get online. So I’ll make it fast, short and sweet.

I’ll type up tomorrow’s post tonight (as long as I have power) and post it first thing in the morning. I hate it when my routine gets all out of whack, ug.

Mother Nature, you better cut me a bit of slack. Yes, I love the lightning, thunder and rain. But I have things I need to get done. Please?

Carry on.

J

Tags: lightning, rain, storm, thunder

I’ve been lacking in my updates the last week or so, I feel awful about that. It always seems likes it’s one thing or another.

A little while back, I hurt my back at work. Well, last week, I hurt it again. So I’ve been in complete agony. It hurts to sit, stand, walk, move. The only relief I had was lieing flat on the floor, which makes it a bit hard to get to the computer.

But I’m glad to say that I’m feeling better, saw the doctor today and I’m ready to get back into action. I just hate being away from the computer (yes I’m a junkie).

So, I’ve already begun doing updates and have a ton more to do. Hope everyone is having a great day.

J

Tags: back, updates

I guess all good things must come to an end….til next season anyway.

I absolutely LOVE this show, I own the first 3 seasons on DVD. I’m a huge Timebandit fan and spend every Tuesday night glued to my TV.

There’s just something about it. The guys out there risking their lives, the action, it’s just so awesome. Not to mention the men are nice to look at too.

So tonight will be kind of sad, I swear this season was 10 episodes too short.

J

Tags: deadliest catch, discovery channel, dvd, season finale, timebandit

Yep, took the dive this afternoon. We are now officially on paid hosting with our own domain. Woohoo.

I must thank Christina at Deal Barbie Pays. Without her wonderful site and the wonderful people there, I wouldn’t be moving forward like I am. She’s one hell of a site owner. No matter the stupid questions I ask or the silly, friendly, rambling emails I send, she’s always the best. Always happy to help or chat, always quick and as helpful as she can be. I really think she needs to get out from behind the computer sometimes, lol. Definitely a site (and owner) I’ll have a great, long relationship with. I recently won a drawing there (they have TONS of the best contests). That’s how I was finally able to get a domain and hosting. Yeah, the money was nice, but I can’t explain how thrilled I was when I realized the opportunity it’s given me, it was beginning to seem like I’d never get here. So go, check it out, Deal Barbie Pays. It’s an awesome site and the people there are great. What more could you ask for?

Now that everything is paid, that means a lot more freedom and wiggle room. Look for a lot of changes, I’ll probably start doing a bunch more tonight. Got to get things tweaked and ready to go. No, that doesn’t mean a bunch of ads, silly.

The original purpose of this blog was to post what I wanted, what was working for me, and anything else I could think of. That was limited because I was using a free service. Now, I can share where I shop, where I advertise, speak a little more freely. I’m one for preachin about where I get great deals and great customer service, that’s no longer limited, yeehaw.

Will there be affiliate links? Well, yes, of course. If I tell you about a place I love and introduce you to it, of course I’d really like to get the credit. That’s just nature. Hopefully, I’ll be able to get started in the next day or 2. I can’t wait to share where I’ve been getting really great art prints (I am an artist after all) and a bunch of other stuff. It’s going to be such a blast.

Have a great day.

J

Tags: blog, deal babrbie pays, domain, hosting

Yes, once again I’ve been lagging behind on the updates. It’s just been so hectic for me lately, and then i had food poisoning, ug.

I just posted my most recent payment proofs. Two are from Deal Barbie Pays, totaling $88.55. It’s a really great program. The owner, Christina, really stays on top of things and makes it fun with all the contests she runs.

I also posted my first payment from Anythingfree4you. It’s my first $20 payment from them. The program is really great and the owner, Barbara, is really sweet. Definitely get the feeling this is going to be another of my favorites.

You can find all of the program info and payment proofs over on the programs I’m using page. You can also see my running totals on the get paid totals page. Both have links on the right.

Well, that’s all from me right now. I’m hoping things level off soon so I can get back to blogging regularly again.

J

Tags: anythingfree4you, apology, deal barbie pays, get paid to, payment, programs, proofs, update