Im living off my husband’s credit cards (and Dad’s). I used to have three credit cards until I decided (forcefully) to get them cut. I now only have one, my oldest card (with the highest credit limit) but I havent used it in a year. We are working on finishing off Edil’s card debts first (and I pay off a purchase I made using my Dad’s card).

Did you know credit card applications that are actually rising? Edil has two cards, which are perfect for us because their rewards programs coincide with our favorite mall (SM, of course). The other one he uses for gas charges as it offers 3% rebate forever. We also get a lot of perks. He has been hounded by two other offers for cards, receives a lot of “free” credit card applications and he was sorely tempted to get one but I managed to convince him to just let them go and just build credit reputation with his current two.

Im no expert in financial handling, but here are some lessons Ive learned (the hard way) on handling credit cards:

1. Treat the card is it is – debt. Don’t card everything you do not need.
2. Make sure you pay more than the minimum due.
3. Take advantage of 0% installment plans.
4. Manage everything in ONE card. You don’t need more than one. Decide which one works for you, the best credit card deals for you, and build credit on that. I have had five credit limit increases on my oldest card.
5. Use it when you have money to pay off

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I am wearing eyeglasses right now. No, they are not prescription glasses but ant-glare ones for protection for my eyes since I am in front of the computer all the time. Two weeks ago, I had the most terrible eye strain and migraine ever and I was worried about my eyes. Thankfully, an optometrist friend gave me a pair for free. Otherwise, I’d buying the $ 8 Rx eyeglasses from ZenniOptical.com. I am thinking of getting the Edil and the big brother a pair too since I saw how great the deals on the site are. I even saw Zenni Optical on TV!!!

Since they are pretty cheap, I need not worry my son breaking his glasses or misplacing them since I can easily replace them. So, High Five to Zenni Optical – great job on offering quality yet affordable glasses for us!

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• Steroids. Nebulizers. Salbutamol (Ventolin). That pretty sums up what our weekend was. Martha had an attack and we closely had to monitor her or else we might end up in the hospital. It was a good thing she stabilized but we are still on neb till Saturday. Talk about stressful. I probably need the best wrinkle creams for myself with all the stress and trials that has been coming my way lately.
• We had the big brother on Salbutamol too. I realized his cough, because it hasn’t gone away with antibiotics, might be asthma too.
• The caregiver got sick too. I now have the colds and cough and feel blah. Good thing I’m old enough to force myself to eat (as if I need forcing? Heehee) and that I take medicines – vitamins actually, 1500mg Vitamin C.
• Cold cold cold weekend. Grey skies. Wet roads. Mud.
• Our “hummer” is battery weak. We need to get it fixed. The expenses neeeeeeever ends. I’m still thankful though we get by.
• I treated myself on Saturday to something I have been wanting since college. It’s a steal as well . I have been working myself to the ground so I deserve this. Please erase my Mommy guilt away

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It has been three weeks since G, my laptop, got sick and needed to be sent to the repair center. She wasn’t turning on (no display) even if the lights were blinking. An initial diagnosis made by the technician was motherboard failure. We were already told it will take 3 to 4 weeks for it to be repaired and the cost, if the diagnosis is correct, will be anywhere from $200-$300. (Yes, I might as well get a new one, right?) I don’t want to give up on my laptop because of sentimental reasons. It is the first laptop I have bought with my money from writing and she was really with me (literally) when I was working so hard. But I do realize I need a desktop computer, given how long I work in front of a computer. There are great deals right now, I just wish we had a credit card to buy one. There are great deals on packages with 0% interest for 12 months. I can always apply online for best credit cards – but I really don’t want one anymore.

You need to find a credit card that works best for you. For example, if you do groceries a lot and charge it to your card, you can get one that has bonus points for shopping. Or if you use it for gas, you can sign up for a card that offers rebates or discounts on petroleum. If you have multiple cards and want to consolidate them into one, you can get a card that has a zero balance transfer rate so it will be easier to pay and monitor your expenses.

I’m going to think about this until the end of the month and make my decision. I need to have at least 30% of the total payment as well.

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I blogged before about Martha having her own version of Mary Had a Little Lamb. I tried to capture it on video last night but she was so giggly and high (forgive me – she is on steroids, hehe) that she wasn’t able to finish it.

More videos to come.
Do you know the theme song of Tarzan?

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