Financial Problems
Results 41-50 from 3,192 articles
Debt
Asked by S.R. from Detroit
on June 25, 2008
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I have a problem that I'm aware of & have no idea where to start. I have a really bad spending problem. All of my credit cards are maxed out and I have spent most of o...
Answers
- I had a hard with spending issues after I became a SAHM too. I found that I was using the mall and shopping as a form of entertainment and whenever I would go - I woul...
- A really good organization that offers Debt counseling & Debt management programs is Greenpath. We were with that company to help get rid of our debt. (www.greenpath.c...
- I'm sorry to say this, but you probably need to seek professional help. Have you ever tried only spending the money that YOU make? Maybe that would be an idea. ...
How to Reduce Debt
Asked by P.H. from Louisville
on August 13, 2008
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Has anyone ever called the credit card company and made a deal to pay it off for a lesser amount? I have been told it can be done, but am not sure if it really works....
Answers
- Hey, I'm a credit counselor (non-profit) and there are many cc companies who will accept a lesser amount. There are a lot of ways to reduce your debt quicker than you...
- P. I don't know about paying the cc co off although I have heard of that. Here is a good one to call: Dave Ramsey's Office 1749 Mallory Ln Ste 100, Brentwood, TN...
- My best friend did that and they worked with her. Well some of them did and some didn't, but doesn't hurt to try. Good Luck.
Question About Debt Consolidation!!!
Asked by J.M. from Dallas
on January 17, 2007
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Hello fellow mommies!
I am really needing some advice about those of you that have had experience with debt consolidation. We have some huge credit card bills that ...
Answers
- I have to second the Dave Ramsey recommendation. My church is doing a Financial Peace University class that you should also consider. If you work the Dave Ramsey plan,...
- Check out Oprah's website and find the link to the "Debt Diet". She's done several shows on it where great advice was given. Good luck!!
- Hi J., I have not done debt consolidation through a company, but I can tell you what we did. We found a credit card that ran a low interest rate for a certain amou...
Financial Issues
Asked by B.A. from Philadelphia
on February 4, 2008
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I don't know where to begin. This may be more to vent then to receive advice, but I've been very depressed lately I need to get it out. I am hoping that someone who ...
Answers
- Wow! I could have written this myself. We are in a bit of the same situation. My advice and what we are trying to do it number one NO MORE CREDIT CARDS! then we ar...
- B. I definately feel you on this topic. I recently relocated to the Allentown area from NY. Coming w/not much money and not able to get a mortgage yet to to working on...
- Hi there, I hope I'm not too late in responding, but I really want to encourage you to stop thinking you're a failure and that you're failing your kids. Do you realiz...
Have You Gone Through Dave Ramsey's Financial Peace University?
Asked by N.G. from Dallas
on December 14, 2010
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I have enrolled in Dave Ramsey's Financial Peace University at a local church. I'm really excited about it. I have acquired some really bad saving/spending habits ov...
Answers
- Yes, yes, and yes. Definately worth your time and effort. It brought my husband and I on the same page. It helped him to start caring regarding the finances and gav...
- I haven't done the FPU but I picked up his Total Moneymakeover book at the locl library for free. I recommend it to everyone-he is a very smart man and I so wished tha...
- We've done it, and yes, it literally has changed our lives!! We are debt free except the house (which is now on a 15 year note) and have several months worth of expen...
Trying to Get Out of Debt
Asked by H.M. from Dallas
on October 13, 2008
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Does anyone out there have personal experience with trying to getting out of credit card debt? I was wondering if I should consolidate them, but not sure who to go thr...
Answers
- Here's another vote for Dave Ramsey. We've been following his program for a year and have made a big dent in our debt. It's taking time, but it's a great feeling to ...
- Hi H., I think our country, especially middle and upper-middle class families, are going to have to take a good hard look at the spending habits we have engaged in ...
- PLEASE CALL ME. I've been through this. 3 yrs. ago I was in $70,000 debt. and now I'm at the tail end of it. I also have been there before and did it then as well. I a...
Way to Far in Debt
Asked by J.K. from Billings
on July 28, 2007
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OK here goes my husband was laid off last Oct. and was off for 4 months needless to say in that time we got behind on some bills ok all bills and had to rely on credit...
Answers
- J., My husband and I have been living credit card free for almost 2yrs now. We went to Consumer Credit Counseling Services of Nebraska (CCCS). We are on a three year...
- Dear J., So proud of you for reaching out for help! This is what I would tell a good friend or family member if they had shared with us what you have: That wou...
- J.- Below is my response to another mom a few months back. It may feel like the walls are closing in on you right now, but believe me, with a little help thing do get...
Dog Troubles and Debt
Asked by L.B. from New York
on April 1, 2010
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Some of you may have read my previous post about dealing with debt, this post relates to our debt. Our beautiful dog has been a part of our family for the past 5 year...
Answers
- I have 2 labs and it got to the point that spending $50 just to get in the door at the vet and usually walking out of the vet clinic with a bill over $100, it was tim...
- My dog has had severe allergies her entire life. Used to be on a Rx. Diet and she then became allergic to it. She has been on Prednisone and Diphenhydramine (Benedry...
- I know that tractor supply sells shampoo especially formulated for fungal and yeast infections on coats, I know I have seen it for horses too.... I think it just an io...
Tuition Problems
Asked by A.G. from Baton Rouge
on October 10, 2010
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I am a parent of a very good preschool and it is amazing the number of parents that are late payers or don't want to pay at all. They believe the daycare is supposed t...
Answers
- The only times we've ever paid our daycare late is if we didnt come in that Friday. I pay every two weeks when I get paid, and occasionally she doesnt go on Friday so ...
- It is poor business on the part of the preschool. They are business and should be running it accordingly. Do not feel bad for them, they should policies in place to pr...
- Are you venting? I guess I don't understand why it affects you. You are a parent of a preschooler, you pay your dues when they are due. End of story. It's up to th...
Contact with Debt Collectors
Asked by S.M. from State College
on May 14, 2010
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I recently went through the file labeled "DEBT" in my cabinet. Several of them were from banks with overdue balance, which I think I can work out fairly easily since ...
Answers
- To the best of my knowledge... You do owe them the $1,000, not the $300. Remember, you have been accumulating interest and bank charges. Do not answer their ph...
- Yeah, don't send a check. They'll say that they can electronically debit your account, and keep doing it. (and they will, it's happened to me). Send them a money order...
- I've never done this so I can't be sure. But it's my understanding that when you settle for a lower amount it is reported as settled and not paid off. If you want to...
