Mistakes in Motherhood

So I forgot to update the Water Heater saga… I was supposed to get it yesterday morning, but at the precise time it was supposed to get here, the main person at the Plumbing company called to tell me the heater was not on the truck that arrived that morning and he did not know, but he was raising hell and he was very upset and very sorry. He also mentioned they would be driving 60 miles to go get it themselves and I should have it by noon.

Fast forward a couple hours… he calls again, apologized again, and told me that the heater was damaged in the trip from Kansas to Colorado and THAT is why it was not on the truck and the supplier forgot to call and give him a heads up. He said that this morning the new one should arrive and I should have it here in about an hour…. but please forgive me for not holding my breath.

Today is day SIX of no shower/no hot water and it is really starting to get to me. I love baths and all, but lukewarm baths… not so much. Besides, even when I soak in the bath, I still wash my hair in a shower… my mom used to call them shower-baths because I would bathe, then stand up and wash my hair in the shower. Poor Bobby, he has been taking cold showers. Yikes!

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With all the water heater drama, I am so happy we had a line of credit to help us fund the replacement of the broken water heater. With credit however comes responsibility and that is why it is so important to compare loans before you apply for credit or before you accept your terms. Educate yourself, ask yourself “What is it I need this loan for?” and get to know all the different types of loans.

Two main types of loan are secured loans and unsecured loans; let me explain the difference.

A Secured Loan is a loan where the borrower puts up collateral, such as a home or a car where the bank owns the title/deed to your property, if you default on your payments, the bank can repossess your property, or evict you from your home. Types of secured loans are home mortgages, auto loans, home equity loans, or a secured credit card where you have to put up a cash deposit. These loans typically have a lower interest rate than unsecured loans.

Whereas an Unsecured Loan is a loan where no property is put up for collateral and if you default on payments your account can be sent to collection, you can be taken to court where you could possibly be ordered to liquidate your assets. Types of unsecured loans are signature loans, student loans and credit cards. These loans typically have a higher interest rate than secured loans.

When you shop for a loan, make sure you know what you are getting into, and that you are getting the right loan to fit your specific needs.

*This is a sponsored post.

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