Amazon Products Artsy Fartsy Book Mentions Short Fiction The Waitress the Whiskey & the Handcuffs

Psssst! How to Read “The Waitress” on iPad/iPhone…

“The Waitress” is not yet available on Amazon. It IS! It IS! FINALLY! For those accustomed to purchasing ebooks through Amazon to read on the iPad or iPhone, you can download the FREE app that allows you to read ebooks purchased elsewhere on nearly any device. Click the link below to download your free Kindle Reading App. – Read eBooks using the FREE Kindle Reading App on Most Devices

“The Waitress” is available through these distributors and online retailers:
Kobo Books
iTunes – (searchable through the free downloadable iTunes app)
Barnes & Noble

Buy it in paperback and large-print editions here!


Black Friday Deal – 50% Off All ESET Products!

50% off all ESET Products on Black Friday!


50% Off All ESET Products! – Cyber Weekend Deal

50% Off All ESET Products! – Cyber Weekend Deal


Save 50% on ESET Smart Security

Save 50% on ESET Smart Security

from November 18-25, 2014!

Artsy Fartsy Book Mentions Gift Shop Short Fiction Stories The Waitress the Whiskey & the Handcuffs

More Distributors for The Waitress!

The Waitress, the Whiskey & the Handcuffs
The Waitress, the Whiskey & the Handcuffs

“The Waitress, the Whiskey & the Handcuffs,” Part 1 of The Ruby Chronicles, is now up at Smashwords for distribution in epub, mobi, pdf and html formats, as well as on Kobo Books and here at the blog!

The price is also down to its original selling point of 99 cents at all distributors.

Up next: Amazon & Bookbaby!

Random Song-for-the-Day: “Summer Paradise”- Simple Plan (feat. Sean Paul)

Debt Elimination

Rules of the Credit Card

credit cards
Tread Carefully…

If you’re in debt with credit cards, it’s time to make some hard and fast rules that will not only help you pay that debt down faster, it will turn your credit cards into powerful tools that will not only save you money – they will be a part of your income streams eventually.

Hopefully, by now, you’ve worked out exactly how much you owe on each card, and have chosen one to be your initial focal point. This is the card you will get paid down first – you will throw all your extra money at this debt until it’s gone.

Rule #1

This is the cardinal rule: if you owe money on a card, you are not allowed to use that card. Until it’s paid down, it’s in limbo – it exists, and you may even have a usable balance available – but you aren’t going to use it.

Once it’s paid down, I’ll show you how to use it wisely, as a tool to save you time, expedite your regular bill payments, and begin to work for your financial future, instead of against it.

Rule #2

This is nearly as (probably just as) important as Rule #1: Never, ever, ever take a cash advance on a credit card.


Seriously, never do this. The interest rate on a cash advance is astronomical, and never part of a low-interest promotion. Cash advances are treated differently than regular purchases on credit cards.

When you take a cash advance, you are loaning yourself money – but the card company gets the interest.

In the past, credit card companies would always apply your payment to the lowest interest-rated balance on the card. This, of course, keeps you in debt longer, and allows the card company to make a bigger profit, since your interest payments are higher.

In 2010, a law came into effect in the United States that disallows this practice by credit card companies. Now, except for the minimum payment due, your payment will go toward the balance on your card that carries the highest interest rate, which works in your favor, unless you pay only the minimum balance. That amount, regardless, will go toward the lowest interest rated balance.

I’m still trying to find trustworthy information about a similar Canadian law, as well as laws in other countries, but so far, it looks like Canadian credit card companies, at least, are still applying payments to lower rated balances first. For this reason, I’m relieved to be able to say that I have never once taken a cash advance against a credit card – I think the only worse thing to do than this might be borrowing money against a future paycheck at a check-cashing outlet. I’ve never done that either, thankfully.

Rule #3

Always pay more than the minimum balance due on a credit card statement every, single month.

Here’s something that should scare the crap out of you…

126 Years!!!!
126 Years!!!!

This is a cut-and-paste from one of my credit card bills – sort of an “FYI” showing up at the bottom of the statement.

126 years.

Seriously. I don’t owe a whole helluva lot on this card, either. The only reason I’m not terrified by that screenshot is that I already have a date attached to Balance Zero on this card, and it’s only a few months away.

You can’t be afraid of your bills. Follow these rules, and you’ll get your credit card debt corralled and soon tamed.

That’s when the Money Game gets really interesting!

Stay tuned…


Want to play The Money Game with me, get out of debt and learn to live a Prepaid Life? Subscribe to the Debt Elimination category of posts in the form below.

Enter your email address:

Delivered by FeedBurner

Artsy Fartsy Book Mentions Gift Shop Stories The Waitress the Whiskey & the Handcuffs

Now on Kobo…

“The Waitress” is now available for sale at Kobo Books! There’s an intro sale of $1.99 on ’til Monday…

Amazon Products Artsy Fartsy Book Mentions Gift Shop Short Fiction Stories The Waitress the Whiskey & the Handcuffs

Finally Published! – The Waitress, the Whiskey & the Handcuffs

The Waitress, the Whiskey & the Handcuffs
The Waitress, the Whiskey & the Handcuffs

The Waitress, the Whiskey & the Handcuffs
Part 1 of The Ruby ChroniclesRuby Daniel is a 30-something widow trying to get by in a small backwoods Northern town in the 1950’s. Her chicken farm is failing, and she takes a weekend job as a barmaid at an illegal drinking establishment run by a crooked police officer, hoping the extra income will allow her to keep her farm and raise her kids.

Idea Dump NaBloPoMo NaNoWriMo Writing

NaNoWriMo Update…

Not Much to Brag About, So Far…

I am so behind on word count in NaNoWriMo that it’s frightening. I have just over 1,000 words clocked. The app tells me that at the rate I’m going, I will hit 50,000 words during the second week in May.

This working full time is cramping my style…

I’m writing the coolest story, though. It’s a horror/end-of-life-as-we-know-it kind of thing and it takes place on a cruise ship. I’m having a difficult time actually typing, because the cat wants to help (I accidentally locked her out for nearly an hour, and she feels I owe her something for that…).