Credit Cards & Interest: Infant
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Credit Card Debt
Asked by J.L. from Chicago
on October 6, 2010
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anyone have any experience with credit card consolidation? Are credit card debt is starting to be too much, and we can't use a equity loan to help may down are debt. I...
Answers
- You must read Dave Ramseys Total Money Makeover!! This book transformed me and my family financially! I was in your position a couple of years ago when I saw someone...
- Dave Ramsey changed our lives!!!!!!! I cannot say enough good things about it. We had a lot of credit card debt and I felt like I was the only one worrying about it....
- Hi, I had my debt consolidation done last year using the equity, and it did not reflect bad on my credit whatsoever. Infact all the debts were combined in one and my m...
Which Credit Card Should I Get?
Asked by V.W. from Minneapolis
on June 30, 2011
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My boyfriend and I have each decided to get a credit card. We are planning on using the cards for small purchases like gas, and paying them off every month. We are hop...
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- We had a Citi card and they notified us recently that our information had been hacked. We cancelled it because although our info is already out there, we were angry t...
- Not sure where Denise P. is getting her information, but every financial planner and expert I have ever spoken with recommends getting a credit card in order to establ...
- We just got a chase at 9% no annual fees oh and not discover they after I have been with them almost 20years started charging me 28% and we are always on time and most...
Credit Card Debt, Are We the Only Ones?
Asked by J.M. from Boston
on April 8, 2011
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This is so embarassing but my husband and I have HUGE credit card debt. We have transferred things to lower interest over last few years and try to pay above the minim...
Answers
- Yes - but we are working through it. Dave Ramsey has changed our life.
- I used to feel the same way. I stay home too and my husband makes a great income but we lived paycheck to paycheck. I started an internet franchise part time. I now...
- We are FINALLY "in the black" (hallelujah!!! hallelujah!!!)... meaning that for the first time in nearly 10 years, we have savings (money left OVER 2 weeks after being...
Credit Card Debt
Asked by G.T. from Boston
on December 14, 2009
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Hi all. Over the past 2 years my husband and I have had our fair share of problems come our way - medical issues, dental surgery, car repair after car repair, THEN a c...
Answers
- i saw this post awhile ago and meant to respond - things will get better and the best things in life are free - but money is necessary to get by. it's nice you didn't ...
- I am so sorry that you have been going through all this! I will spare you the details but let it suffice to say that we found ourselves 30 grand in debt -- through ve...
- Hi G., I don't have a lot of advice for you but I want to just say I understand your situation because my husband and I are kind of in the same boat. Last year we h...
Is This Worth Spending $$ Out of Savings
Asked by N.S. from Dallas
on June 9, 2009
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After years of immature spending habits just this year I became more mature about spending my money. I use to blow money on just about anything, but now every time I g...
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- Get a 2nd opinion-- but DO IT!! We just had to have ours replaced after waiting a bit and it cost over $1200!!
- I would get a second opinion. I know the compressors are expensive, but that sounds crazy! My husband owns a shop, I would be happy to have him give you a quote, but I...
- SOunnds like a good deal- I had mine replaced (but they ended up replacing most of the system) for 1600. If you plan on keeping the car and going anywhere durig the da...
Negotiate the Price for a Specialty Dr Visit?
Asked by A.K. from Minneapolis
on March 30, 2012
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I was referred to a "feeding clinic" because my baby was having a hard time with solid foods. We went one time in November and once in February. We didn't have to pay ...
Answers
- Yes, you negotiate the price . You may be able to take off 1/3 of the price.
- Cant help you with the billing issue but if your baby needs feeding therapy I recomend calling the early intervention program in your area. My daughter had many feedin...
- Yes you can negotiate a bill if you are not in a network type of plan. If you are in a ppo, hmo, or pos type of plan and they are network providers then they are not r...
Am I Spending Too Much Time Shopping??
Asked by S.G. from Chicago
on June 7, 2011
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Ok, so I am addicted to saving, finding good deals, etc... I'm not quite as crazy as some of those ladies you see on TLC, but I'm afraid I might be getting there. I w...
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- As long as your getting things your family actually needs and uses - your doing pretty good :-)
- i always look at it as "do i need this or am i just buying it because it's on sale?" am i spending more than i would normally by using the savings merely because they ...
- Whenever one of us says, "but I'm saving X amount at this price" the other says, "Yeah, it's even cheaper not to buy it at all." This frustrates me at the grocery...
Striking a Balance Between Saving and Spending
Asked by J.W. from Chicago
on October 14, 2009
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Let me start by saying that I realize that this may not see like a “problem” to many of you especially in light of the last 12 months. Rather, I am trying to gain...
Answers
- While I think that it's great that you are planning ahead and trying to be practical, I have to say that you don't seem to have any real issues here financially compar...
- Hi J.- It sounds to me like you and your husband are doing very well financially and have a great safety net in the event that something like a job loss should happ...
- It sounds like you are doing great. I know from talking to financial planners that if you have to choose between retirement versus education, you should first fund re...
Spending Money on My Own Health
Asked by M.. from St. Louis
on October 5, 2011
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so my husband and I make decent money, but in today's economy, I find that we are struggling to make ends meet. With car payments, student loans, two kids in daycare, ...
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- That sounds pretty high to me also. Can you possibly "shop around" a bit more & look for another office maybe?
- I was a Chiropractic Assistant. GOOD chiropractors, do not lock you into treatment times. Chiropractic care should NOT cost $240 a month!! How many times a week would ...
- You only have one back... and you're going to be out of commission forEVER if you don't take care of yourself. It might hurt the wallet, but honestly, I think you're b...
How Much Spending Money Do You Have?
Asked by L.R. from Boston
on June 18, 2012
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Hi all,
I know this obviously varies from situation to situation depending on your income. However, how much spending money do you allow your spouse to have? How ...
Answers
- I would say option C for you guys. If you can afford it, then I think it's ok to spend a little bit for fun once in a while. For us, we do not have any spending money ...
- I give my husband $200/month allowance. Before we had kids, we both worked. He paid whatever bills he needed to, and usually just wasted the rest of his money. I pa...
- First of all I don't like the word "allow" when referring to a spouse. It's very demeaning, probably even more demeaning to a man. You two clearly are having some is...
