Hi. For some reason you have clicked on a link that brought you to this site (probably accidental click, like when your mouse jumps out of control. Happens to me alot, don't know about you). Maybe it’s because you want to hear some sad stories about me, or maybe you want to make fun of me, or maybe you want advice about debt. (however if your reason is the last reason I stated, purhaps you should check out some other site, to go along with this one) Anyway, what ever your reason, feel free to donate money to me (to host this free site), because it only helps me to scrape up enough money to pay Mr. Gary at First Southern Cash Advance, where I can’t even afford the interest payments on my loans.

First I’ll tell you a little bit about me. My name is Timmy Wayne. I live in Taylorsville, NC. If you like this Web Site/Blog, you can call and tell me, but I won’t answer the phone. I never do. It always rings but I never answer it. It’s because of bill collectors. I don’t want to talk to them, so I don’t ever answer the phone, just in case. This is one of my philosophies. I have several philosophies, I’ll dedicate one page of this site to tell you my philosophies. It would take too long for me to type them all today, so I'll update it when I am off from work. 

P.S. Congratulations on getting all the way through the second paragraph of this site.