Money Tips 12

Feb 192009

Credit Cards

Use credit cards only for emergency. Although convenient, credit cards are dangerous and damaging. In addition, if you have a credit card that has a $1,000 balance and you pay only the minimum payment each month, it will take you between 20 and 30 years to pay off that $1,000 balance since the majority of money is going strictly toward the interest and not the principal amount.

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Letters to Joyce

Karlyn Mendler { I am new on this Blog and I just wanted to say "Hi" to everyone! } – Feb 09, 8:27 PM
Agnes { Dear Joyce, Hi! I have been an avid reader of your blog about a year an a half ago when I too have been experiencing heartbreak and burden in my life. Your words have really been a pat on my shoulder and a hug rolled in one. I am now in a year long relationship and life has been treating me well. It is not a perfect relationship, we do have our shares of ups and downs but we come out of each as a better individual and we grow and learn together through those past mistakes. I just... } – Feb 05, 3:53 PM
Allan { hi joyce. my partner told me that he needs time for him to think things over. i know that its the end of our relationship. i have been in pain for the past 3 months until a week a ago when he told me through text message about this. he didnt even care to talk to me face to face.why am i in so much pain? i cant escape from the pain joyce. help me } – Feb 02, 9:45 AM
faith { Hi joyce, i feel that im at the lowest point of my life...late last year i found out that my bf ( for 6 months) is still going steady with her prior gf. i was crushed after learning that he fooled me for 6 months that we are together. but since i love him so much, i forgave him with his promise that he will end things with her and come back to me clean slate. but he did not come back at all. he said he was empty after breaking up with her (doubt if they really did break... } – Jan 29, 2:20 PM
Tanya { Dear Joyce, I don't have a husband who physically abuses me but i have one who does so verbally and emotionally. He doesn't care whether we be in public places like malls, offices etc he just feels he needs to, in his own terms, "vent out his spleen". He had called me many things and often times says that i am stupid. He said i needed to reform, and that the only way was "his way". for the past year i have been doing all he asks of me, i am not allowed to talk to my friends, neither am... } – Jan 24, 9:16 AM