Denise

We are parents in waiting (Aug. 02) and are trying to figure out how to finance things. My parents are very excited to become grandparents again and are willing to loan us some money. You might have some relatives that are willing to help out- it doesn't hurt to ask. We also found the best deal is to borrow against your 401-K. There is no interest, and you pay yourself back setting up your own payment amount and the timeline in which you will repay. When our time comes, we will borrow against my husband's 401-K account. Another friend of mine financed her adoptions on credit cards. She put it on her regular credit card and then transferred the balance to one of those 0% interest cards. When the free interest period was up she applied for another 0% interest card. She paid for 3 of her adoptions on credit cards and did not pay any interest! Good luck to everyone. Denise

Here's a Bible verse that offers me encouragement through trials. Consider it pure joy, my brothers, whenever you face trials of many kinds, because you know that the testing of your faith develops perseverance. Perseverance must finish its work so that you may be mature and complete, not lacking anything. If any of you lacks wisdom, he should ask God, who gives generously to all without finding fault, and it will be given to him. James 1:2-5 (NIV) Denise