Listen up: NM Photos, Cut your debt, Exciting links.

So much to say! The vessel is important to remember%u2026 Well the pics didn't come go to www.wordpress.com/Makinart one of my blogs...

Ah New Mexico! Arroyo. Now it rains and snow and the sun is poking through clouds. Here in a land where you could have a thunder storm in the middle of a winter snow, almost anything seems possible.

Photos by Mary MacIntyre

I have a comment that I neither approved or disapproved, and felt that it was probably a comment blast long forgotten by it's author.

I won't publish the email, however if you ever come across: ebzzqfybyeqan do not listen to his deceptive logic. He only wants to sell you another credit card!

He claims his credit is going down the tube. He is over-extended (easy to do). He is making late payments. All he can see to do is get another credit card! DON"T DO IT! Been there and done that way over and I suggest the following:

1) Do not use your credit card. Stop now.

2) Earn more money online, with another job.

3) Drastically cut your spending. Saving $100 by buying, not going to a money, not renting a DVD, not buying much of anything new. Cut out soda, cookies, most deserts, 1/2 of the meat, wherever the food budget will allow while still eating healthy will save you $20-$50 a week. Pay on the bills. Go out to eat only once or twice a month: $100 savings. Don't even bother going to the malls. Wear the clothes you have now or buy at consignment or thrift stores. If you are making a reasonable living, you will save between $100-$400 a month. Pay down that credit card quickly and then start on your next card.

Now if you are smart and start a second job, or encourage a teenager to also start work, you can dedicate much of that extra cash toward the debts. The teenager can take responsibility for saving and spending on his or her individual needs. That could save you another $100-$200 a month.

If your spouse is rapidily adding to your bills, separate cards. The other spouse could also get a second job or work online. This will create a mutual sense of responsibility. Agree to a max credit balance. If you go over that balance 3 months in a row: go back to step one: DO NOT USE the CARD!!!

A friend of mine applied her own ideas to getting out of debt, and now she lives debt free and has excellent credit. How do you want and choose to live.

Wasn't the Giants win spectacular?! True I was routing for the Patriots. However, one can't whine about such a game.

How about the ads: to review a few go to www.about-albuquerquenm.com and find that blog. Also for environmental news go to www.myitthings.com/photoqueen . In addition to my blog there are others who are writing about sustainability too. Have you been to Squidoo lately? See if you can find Makinart.

If the urls don't show please copy and paste.