Interview with Barbara Tubbs Hill

What is the greatest joy of writing for you?
In this case, trying to help people understand their credit, what things they might be doing that are harmful to them and sometimes, "just how did you get into this mess?" The answers can be very revealing both to them and to me.
What do your fans mean to you?
Without fans, we could ask ourselves as writers, why write? But I would write anyway, even if only to journal each day. But the writer in me insists I have to keep trying to reach people with a messaage.
What are you working on next?
Right now I'm working on a book of humorous stories about my husband who is a major "project" person. Over the last twenty-eight years plus of marriage, some of his projects have created chaos in an otherwise calm household.. I've just completed two short stories for publication and am a contributing writer for, an e-zine devoted to the diversity of our universe. Then there is the novel that keeps begging to be finished. Lots of writing to get done.
Who are your favorite authors?
Harper Lee, Beverly Barton, James Redfield, Caroline Myss, Paulo Coelho, Fannie Flagg, William Paul Young, Lorna Byrne, Brian Weiss, Annie Kagen just to name a few. Also Cheryl Morris, a published writer here on Smashwords. Erma Bombeck and Lewis Grizzard are keepers for sure. There are too many others to name. I'm always looking for writers who make me ask questions about myself and then entertain when I'm in that mood.
What inspires you to get out of bed each day?
The need for a paycheck to pay the bills and then I love life. I have always been an optimistic person, looking for the best in every situation, even when life has been tough. Like most everyone else, I've had my share of hard times and situations. How we chose to deal with them determines how we will live each day. I choose to be positive.
When you're not writing, how do you spend your time?
I am semi-retired and still work part-time. My husband and I love to browse through thrift shops, look for antiques and unusual items. Our local university offers personal enrichment classes on everything from writing, antiquing, flower arranging and computer classes. I usually take at least one or more classes each semester to keep up with what's going on and meeting new people. I'm also part of a writing focus group that meets twice a month.
How do you discover the ebooks you read?
Each day I receive a notice from the E-Books selections, check out Smashwords and I love both ebooks and hard copy.
Do you remember the first story you ever wrote?
My first husband and I bought a home in the country, one he was in love with. It was the worst nightmare I could have ever imagined as we prepared the house and land for moving day. I wrote a story about the house, the conditions we faced and the new language I learned as we worked together on the property. I received a check for $25 along with the acceptance letter. I made a copy of the check before cashing it and then framed it along with the acceptance letter. After almost 35 years, I still have it hanging in my home office.
What is your writing process?
I tend to mull ideas in my mind until I have the right sequence for me on the novel I'm working on. The currently published book was written over a period of two years while I was still working full time in the mortgage industry and getting new stories to go in it. Most of the time I write in the evenings after getting my dogs settled in for the evening and my husband is reading. I keep notebooks and scraps of paper with me at all times to jot down ideas when I'm not at my computer.
Do you remember the first story you ever read, and the impact it had on you?
Actually, my fourth grade teacher read to us each day from the Hardy Boys collection. From there I began to read more of their books, the Nancy Drew series and any other books I could check out from our school library. I was hooked on reading and making up stories in my mind. Writing was not something I even considered until my late 20's when I started to college and found the Freshman English was all about writing. I've been writing ever since.
How do you approach cover design?
I knew in my own mind what I wanted to convey on the cover of Credit Mysteries, What You Don't Know About Your Credit Can Hurt You. Cheryl Morris, a published author with Smashwords helped me to create the vision I had.
For my novel, I have a picture I'll be using that hung in my Mother's florist for many years. There may be some revision based on the characters. Just have to wait and see.
Published 2015-01-12.
Smashwords Interviews are created by the profiled author, publisher or reader.

Books by This Author

Credit Mysteries, What You Don't Know About Your Credit Can Hurt You
Price: $1.99 USD. Words: 16,150. Language: English. Published: November 28, 2014. Categories: Nonfiction » Business & Economics » Personal finance
Credit Mysteries is an easy to understand book written for those who want to understand their credit history and how their lives are impacted by the credit report. Real life stories and examples of what not to do in the world of credit.