December 31st, 2015


♪I've got a feeling '21 is going to be a good year. Especially if you and me see it in together♪

In the past year, which of the three R's do you think was most important in your life?


Does it bother you that whoever thought of that list, made it with 2 out of 3 words not starting with R?

That's probably why spelling didn't make the list
  • kengwen

Market America Pet Magic

Once upon a time I bought a product called Pet Magic that I'm pretty sure was made or at least sold by a MLM company called Market America. Now I'm looking for it again and can't find it anywhere.

This is the only product I've found that really gets rid of pet odors and I've worked/volunteered in an animal shelter for a long time so I've tried a lot of things. Most things at best *kind of* take away the pet odor but then add some lame fragrance on top of it like "lavender linen," which is totally not what I'm looking for here, it's for use in a place where people with allergies & breathing problems frequent (not the animal shelter, haha, someplace else) and that fragrance bothers them as much as the pet odor.
ETA: also, the product I had before was super non-toxic, you could spray it on pets who got "skunked" to help deskunk them. Not made with concentrated citrus oil.

Anyone here a Market America rep?
Anyone know if this product is still sold - does it have a new name or something?
Failing all that, do you know an enzymatic pet-odor-eliminating product that **works** to eliminate odor and **doesn't** have some smelly perfume/fragrance added?
  • Current Music

Student Loan Repayment

Knowing what I know now, I know it probably wasn't the smartest choice to take out what I did, but I can't change that now.

I've done a lot of googling and I'm still kinda undecided on how to go about paying them off. I can't afford to just pay them off, but I can afford to pay a little extra every month. One small perk is that they are saving me when it comes time for taxes since I'm a single female with not much to write off except for the student loan interest(and thats probably not changing in the next year). And I may or may not qualify to have a small portion paid/written off if I get a job in my career field(teacher... if I can get a contract and keep it).

I have a total of 8 student loans... all connected already(basically I took out loans every semester to finish my undergrad and then 2 semesters of grad school). Some have added perks such as the last 6 payments will be erased as long as I continue to make my payments on time, while others don't and obviously I'm guessing I should get those out of the way first.

My question...
When I can send a little bit extra to the student loans, should I be working towards advancing the payment due date(even though I plan on making a full payment for the next month) or reducing the overall balance?
I'm already paying a little extra(about $50 a month) that is suppose to be going to the loans with the highest interest rates, but I think some months I can probably afford to send a little extra.

I get super lost when it comes to these things and I'm just looking for opinions or other's experiences, so I can decide what I'm going to do .