If It Works, Why Not?

So I know that I am not an actual expert but I am a normal person with less than perfect financial experience. I just finished reading yet another article hoping to hear some new tips on how to save more and delete debt and again it gave the same over used tip of not buying your lunch and skipping the latte in the mornings. And then I continue to read snotty comments about how people who are having a hard time are having them because they are living beyond their means- this I do not exactly agree with as even though there are people who are just living beyond their means, not all of those who find themselves coming up short financially between each paycheck have control over that. The economy tanked a few years ago and the recovery has been a dismal one at best. Many people lost their jobs and when loosing a job, you cannot just drop all of your expenses. If you were comfortably able to pay a car payment and you loose your job, you may not be able to sell your car due to negative equit...

My son, depsite the many obstacles he faces on a daily basis and the little things that stress him out, has an amazing sense of humor. A while back when the potty training started (about a year ago) my son learned that he was different than his sister down there because he walked in on her going potty. He asked me why she didn't have a "wee wee" so I simply said "because girls and boys are differnt down there. Boys have 'wee wees' and girls have 'gee gees'". And he was satisfied with that answer (you don't need too much of an explanation beyond that when dealing with a 2 1/2 year old). The other day, while playing Mario with my husband, my son says to him as if doing smack talk like some people do while playing games/sports, and says "You're a geegee!" Mikey's HAB/respite provider was here and we had to cover our faces to keep him from seeing us laugh so we didn't encourage him. It was hilarious and we had never h...