Carelessly planned projects take three times longer to complete than expected. Carefully planned projects take four times longer to complete than expected, mostly because the planners expect their planning to reduce the time it takes. And sometimes your plan is about as useful as toilet paper.

I should know, I’m a planner.  And the best laid plans … well, you know. I had our family finances all planned out. My husband works full time, I work part time since the kids are in school.  We take two vacations a year.  We would replace our old 1970s kitchen within five years of buying our house.

What screwed that up was this Bush economy. My husband lost his job at Motorola. I had trouble finding work at the payscale I was used to. Our daughter is a prodigy and they tell us she needs to go to a special “genius camp” in North Carolina next summer that costs $8000 for a month ($5000 after a scholarship).

So the question is, can I forget the kitchen until things turn around, and send my daughter to this camp? Her heart is set on it, so we looked into borrowing the $5000.  Forget banks, they’ll take your home away from you if you’re not careful. I found a car title loan company online, Schaumburg Title Loans, that valued our Escalade at worth $7000 in a loan. OK, not in the plan, but we did it. And I’ll do it again if the “plan” calls for it.

By the way Schaumburg is near Des Plaines, Elgin, Hoffman Estates, Rolling Meadows, and Roselle.

I was under the impression that to steal ideas from one person is plagiarism; to steal from many is research.

My professor at Triton didn’t quite see it that way.  So I was going to flunk her course, but she gave me an option. Take it again.  Which might sound reasonable until you figure out you’re going to have to pay twice for honor of enduring the pain twice.

But that’s life. Lesson learned. The even bigger problem was this was an expense I didn’t anticipate. And it caught me short.

So I did more research, on the Internet, and found a way to get fast cash.  You can use your car title, if you own it outright, to get a car title loan. I went to Rolling Meadows Title Loans for mine.  It was easy and fast and I got my money in a day. Amazing.

Next semester, I should be this resourceful in my schoolwork.

By the way Rolling Meadows is near Arlington Heights, Mt Prospect, Wheeling, Elk Grove Village, and Schaumburg.

I’ve always been of the opinion that 99 percent of lawyers give the rest of them a bad name.

Which explains a situation I found myself in a last year. My car got banged up pretty badly by a pizza chain delivery truck that took a corner too tight at a corner where I was waiting for a red light. I was ok, but my dog was injured from the impact. My insurance covered everything but the $500 deductible, but the vet bills came to about $2200. Both my insurance company and the pizza company’s lawyers fought this one tooth and nail – supposedly I should have had her in a restraining seat belt device in the back seat??? – and I got stuck with the bill.

This did not come at a good time, financially speaking, but my beautiful dog needed follow-up surgery and I needed money to cover it and the deductible. I went on the internet and found Mount Prospect Title Loans, a car title loans company that loaned me the cash based on my car’s value. It was easier than going to a car title loan store like the kind you see on Higgins Road or in the city. It’s all online, and you get your cash in a day.

My car and dog are fixed, and next time I’m finding a better lawyer.

By the way Mount Prospect is also near Arlington Heights, Wheeling, Des Plaies, Rolling Meadows, and Palaine.

I know I’m addicted to coffee. In the mornings, I truly am not able to wait to get to the Starbucks over in Schaumburg, where I work. I make the instant stuff at home. And sometimes I think that takes too long.

But this coffee habit gets the best of me sometimes. Like one day I was shopping at Woodfield Mall. I only had a half hour, and there were all these crazy recessionary economy sales going on. I shopped like a thoroughbred at Arlington Park. And Christmas was coming. So between bedding and linens, clothes for me, clothes for my husband, clothes for the kids and a crock pot I really didn’t need, I built up a sizable Visa bill that, unfortunately, I am not able to pay.

With my credit cards maxed and a house rule to no longer tap into the home equity, I wasn’t sure where I’d find the cash. Then I heard about Arlington Heights Title Loans, where I was able to get an advance from the value of my old Saturn. It was the perfect answer: I could apply online from my computer (coffee at my side), get the approval in an hour and money from my car title loan in 24 hours. I just joined a gym now, so that’s how I’m putting that caffeine to work instead.

By the way Arlington Heights is near Rolling Meadows, Mt Prospect, Buffalo Grove, Palatine, and Hoffman Estates.