I am taking some classes, including philosophy, at the NIU campus on Diehl Road, and used an axiom from Socrates to explain why I didn’t have an assignment finished: Time is what keeps things from happening all at once. At least, I think Socrates said that.

Truth of the matter is I have to work two jobs in addition to going to school part time just to afford everything. Everyone thinks life in Naperville is easy street, but circumstances have conspired against me lately and I’m doing the best I can. That philosophical excuse didn’t exactly work, but I persevere.

I came up short on cash because of my parents’ alimony situation last semester, and I wasn’t sure I could even take the two classes I wanted, which were prerequisites for classes in the spring semester. So missing that semester would basically put me a year behind where I was already. Not cool. So my mom offered for me to take a car title loan on her mini van, which suddenly made me a little less critical of that ugly ass vehicle. I had never heard of car title loans so I went online and found, you guessed it, Naperville Title Loans. I filled out the form, got an email saying we were approved about ten minutes later, and the money was in my mom’s checking account the next day.

Time was not a problem with that loan. In fact, it saved me a TON of time by allowing me to take classes on schedule.

By the way Naperville is near, Aurora, Woodridge, Bolingbrook, Romeoville, and Warrenville.

Did you hear about the new “Divorce Barbie”? It comes with all of Ken’s stuff.

Boy, don’t I know that one. My ex-wife didn’t look anything like a Barbie doll, but she got my stuff anyway. My boat, the Mini Cooper, the house and half the vacation house – for a while I thought I might have to go live in the Morton Arboretum.

I kept my Ticonderoga, which was a good thing. It’s paid for, and I use it to go everywhere. And now I use it to finance a loan — a car title loan, to be exact. I had knee surgery last summer, and even though I have good insurance I got stuck with a bunch of charges and the therapy wasn’t covered. So after the divorce and all the lawyer fees, I had to come up with $3300 bucks one month. That’s when I went online and found Lisle Title Loans. Unlike the car title loans stores you see in bad strip malls, this is easy, fast and your money arrives in one day. Got me through that scrape - and kinda made me laugh, thinking about how “Barbie” is still making payments on that Mini Cooper and can’t get this kind of loan.

By the way Lisle is near Naperville, Warrenville, Boling Brook, Downers Grove, and Hinsdale.

There are lot of things in life I don’t know. Like, what hair color do the put on the driver’s licenses of bald men?

But I recently learned an important lesson in personal finance. I had allowed my credit card charges to build up. Here in DuPage County, we’re a little too caught up in keeping up appearances, so this economic slow down doesn’t stop many of us from spending money. My husband and I decided we still deserved vacations last year, and some good clothes for work, and dinners out in restaurants in Chicago. And then wham!, all of a sudden we ran into some big financial hits that took away our ability to pay some credit card bills on time. It was then that I noticed our interest charges had climbed to 28%!

So I went on the Internet and learned about car title loans. Both our cars are older (five years and six years), but the good thing is they’re paid for. We figured out we could borrow against our car title and do better with that than carry those big credit card balances. My friends couldn’t believe it. So I sent them to our car title loan lender, DuPage County Title Loans. Two of my friends did the same thing we did. It’s easy, takes about ten minutes to do, and you get your money fast — in time to pay off the ugliest of bills.

Bald men and their driver’s licenses are something I still don’t know.  But car title loans I understand and recommend.

By the way Dupage County is near Batavia, Warrenville, Wheaton, Glendale Heights, and Bloomingdale.