Credit Cards & Interest: Toddler
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Credit Card Debt Help/advice
Asked by L.P. from Chicago
on August 20, 2009
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Hello. I am just interested in hearing anything you ladies have done to help with your credit card debt. I have quite a bit built up on my card. I am able to make min...
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- I tried a debt settlement company and all they did was take my money and the settlement amounts weren't anything I could do. They wanted 3 payments of $3000 over 3 mon...
- I too would suggest Dave Ramsey. If you live in Lake County he is on the radio at 1220 am from 1-4. His Total Money Makeover book changed our entire way we look at m...
- I am not sure what your debt is, but I can only tell you our story, we had about $10,000 in credit card debt, the collection calls were depressing me and we were going...
Credit Card Debt Consolidation
Asked by C.C. from New York
on May 21, 2009
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I am wondering if anyone has any experience with credit card debt consolidation/ elimination/ negotitation. What were your experiences? And if so, what company/ websit...
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- Have you tried snowballing or debt stacking your debt? To many of those companies ruin your credit by placing notes on your credit report, I know thats not importa...
- just make sure you pay NO money up front
- Call the credit card companies yourself - request they give you a lower interest rate or tell them you will close the account and transfer to a lower interest credit c...
Credit Card Debt.
Asked by M.H. from Hartford
on April 6, 2009
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Hello Ladies,
here is a question I am too embarrassed to ask my friends & family. Has anyone had to consolidate debt? I hear a bunch of ads for all kinds of companie...
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- Its a good thing that you asked this question because I think that more people then not are in ( or have been ) in the same boat. When I found myself with tons of smal...
- When I found myself stuck in the cc debt rut several years ago, what I did was take advantage of cc offers to transfer balance for 0% interest over so many months. Wh...
- HI, I used a company called TCA (Take Charge America), they were GREAT!!!! Best thing I ever did. You can look them up on the web. Very helpful and postive. T...
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...
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- 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...
Suggestions for a Good Credit Card That Gives Back
Asked by M.M. from Chicago
on June 2, 2008
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Do you ladies have any suggestions for a reputable major credit card that offers a great cash back/rebate/gift program? Oh, low interest rate and no/reasonable annual...
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- we use chase freedom card..money back and no interest offers too.
- We have a Toys R Us card from Chase. You get 1% back on every purchase and 3% on any purchase from Toys R us, Babies R us, etc. You get the $ back in gift cards for ...
- Discover Card is nice. No limit on rebate amount. We pay our daycare with this at KinderCare. We also use a Citibank Dividend card, but that has a cap of $300 in ...
Recommendations for Best Credit Card Mileage Plan
Asked by S.R. from San Francisco
on July 12, 2011
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Hello Mamas!
My hubby and I have been discussing opening a line of credit that we would use to buy our groceries and pay all of our regular bills, and then pay off ea...
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- We use our Citibank card the same way you do. I love the miles I get for AmericanAirlines and AmericanAirlines has an online "mall" so if I order things like ink for ...
- Statistics show that people spend 47% MORE when paying with a credit card vs. cash. That will be one expensive vacation!
- I like American Express even though the cards have an annual fee. But I charge all my groceries, gas, utility bills, and any other purchases I make during the month. ...
How Do You and Your Husband Handle Spending and Money?
Asked by J.G. from Washington DC
on March 8, 2010
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My husband and I are at a crossroads about our day-to-day finances. I am looking for ideas on how others budget, handle checkbooks, who decides how much is OK to spe...
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- my husband does the bills, and he is the breadwinner. he also likes to go grocery shopping (go figure), but i write the list (as specific as possible or he'll wander o...
- Sounds familiar! =) My husband used to control all of our finances, but I got so sick of asking if I could buy something and his answer would ALWAYS be, "No, we can't ...
- my husband never had anything to do with $$....he didnt know how much i spent on a anything or how much the bills were, not even the mortgage.....but he has expensive ...
Is This Worth Spending $$ 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...
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...
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- 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...
