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Related Questions & Answers
6 articles
What Do You Do About Your Mortgage??
Asked by M.M. from Dallas
on January 1, 2009
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Ladies,
My husband and I had a deep conversation this morning about our home mortgage, and we'd like to know what the norm is. Do most people get a 30 year loan for ...
Answers
- What my friend used to do was get a breakdown from the bank of what amount of the loan went twards intrest/principial every month. Then she would pay the regular payme...
- Good Morning Reba S I work for a title company and most of the closings that have loans are 30 year mortgages. I always suggest in closing that you make extra princ...
- Hi Reba, I have a 30 year note which made my monthly payments affordable. Most people I know have 30 year mortgages. In addition to the monthly note, I add a separa...
The "Real" Price of a Car
Asked by T.O. from San Francisco
on September 13, 2010
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My husband & I are looking to buy a new Toyota Highlander the price is over 39,000 our salesman told us if we get the loan through them they will knock off $3,000... I...
Answers
- My husband, who works on a car lot, says that if they are willing to knock of 3,000 they will knock of at least another 2,000. Here's what he says you need to do.... ...
- Tell them you will buy it from them if they are willing to sell it to you for X, and then be willing to walk away and look elsewhere. If they want to sell it to you f...
- T., What always works for us is first of all checking the blue book, we print it, after that we go an visit two or three dealerships and look at the price, and compar...
How Much Do You Pay per Month on Your Mortgage?
Asked by S.M. from Dallas
on March 1, 2008
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We are saving up to buy a house and are very close to our goal. I am just trying to get a ballpark figure of how much we would be paying per month on a $150,000.00 mor...
Answers
- You got lots of responses! Wow! I have a little bit of insight on this. My MIL and husband have both worked in the mortgage industry and I worked in the homeowners ins...
- S., You've gotten great tips already. I own a rental home that cost me close to the price you mentioned. With the mortgage, property taxes, and homeowners insuran...
- S., That is great that you are saving for a home. You might check with a reputable Mortgage Lender to see what programs are available for you. I can give you a few to...
Paying off Credit Card Debt
Asked by S.M. from Kansas City
on April 3, 2011
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Please help me put this in perspective...
Here's my dilemma. I owe an enormous amount of debt. I don't really feel that bad about it. I tell myself that the mone...
Answers
- I have tried so many things to get out of debt. The only thing that I found that is working is something called Capital Resources. It is a software program that mana...
- You need to pay down the debt on the credit card no matter what your justification because God forbid you or your husband is out of work again, you will need to free i...
- I was last year and the year before. because of unpaid maternity leave and a high risk pregnancy with extra dr bills I was living off my credit card for the essential...
Bi-weekly Mortgage Payments
Asked by K.D. from Denver
on November 14, 2009
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We just bought a house, and are looking at the possibility of doing the program where you pay every two weeks and end up making a 13th payment each year. In the past,...
Answers
- I would never pay for that kind of program. I would call my mortgage company and make sure extra payments wouldn't give me a fee and then just do it on my own for free...
- I have no first hand experience with these programs, but advice I've received about paying extra to set up the twice monthly payment is : don't do it. If you want the ...
- I honestly don't see the point in this option unless you have a hard time budgeting & managing your money? In that sense it would work. My only incentive for switchi...
Advice on Finanaces
Asked by K.D. from Philadelphia
on September 28, 2008
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Hi Everyone,
My husband and I are having quite a bit of trouble staying afloat with all our bills lately, and I'm wondering if anyone has advice about what we can do....
Answers
- I hear you. This is tough. I was in banking for 20 years, and right now I'm helping to facilitate a course at our church called, "Financial Peace University", by Dave...
- Hi K., I know what you guys are going through. We've been going through something similar as well. My husband is a chef and has been picking up catering on the si...
- Wow K., sounds like you're telling MY story!!! I'm in the same position. Some of the things I've done are eliminating eating out, including lunches, cancelled any ex...
