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Tuesday, December 30, 2008

Christmas Pictures

Here's a shot of the whole family. Joseph was a little busy with all his presents.

Josh and Laura holding Shae. They came over for breakfast Christmas morning.

Joseph and Shae helping Shawn open a present from Mom Harwood. We spent Christmas Eve with Jacob's parents.

Tuesday, December 23, 2008

Evil Credit Card Companies

It's all over the news, but I never thought it would happen to me. So, I noticed on my Bank of America on-line statement for November that the evil credit card company was going to TRIPLE my interest rate! (7.9% to 22.9%) It also told me I had until December 9th to opt out and close the account. Mind you, it was December 19th when I found this notice. I finally called them today and the first representative I spoke to said that I actually had until February to opt out and I didn't need to close the account as long as I don't use the card anymore. (It was shredded a long time ago). How freaking easy was that? I hate that these companies bank on un-informed consumers. My other credit card company also tripled our interest rate, but we had a 12-month promotional 3.5% that will now be 11.9%. I will never get another credit card in my life!
I keep thinking about going back to work to help us get out of debt faster. With Jacob in school full-time and working full-time and with Joseph and Shae, there just isn't any time. I am hoping to add a few more piano students and put all that money towards debt. On a happy note, our car will be paid off in just a few months!!

Wednesday, December 10, 2008

Joseph singing

Joseph loves the song at the beginning of the movie Wall-e. It's from "Hello, Dolly!" and I got a pretty good video of him singing along.

Tuesday, December 2, 2008

Snowman and Gingerbread and Boys


Joseph's favorite song is "Once There Was a Snowman"

Jacob, Shae, and Shawn at the Gingerbread Display at the Mormon Trail Center

The whole family at the Gingerbread display - Joseph slept through the whole thing.

Entirely made of candy!

Joseph loves cuddling with his baby brother