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College Savings Plan
You register your credit cards and your bank card and every time you make a ... Also, an idea I had was having your children take out loans for college. ...
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- C.- I work for a mutual fund company. There is a plan called a Coverdell Ira. I don't know all the exact details about the plan, but I am pretty sure the max amou...
- C., I am a nurse and I have also taught school. Our financial advisers suggested to us that we use the College Bound Fund program. You can make monthly deposits or ...
- As the others said.....529 plan. Also, go to upromise.com and become a member. You get rebates from retailers that are deposited into your 529s. (distributed between...
How Do You Organize Your Bills & Paperwork?
Oct 9, 2009 ... account credit account mortgage and loans all loaded in this ..... First off I use bill pay on line thru my bank As the bills start ...
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- I have a large desk calendar that I use to log my bills and when they are due on. In the notes box I list all the bills due that month, and then I write how much or w...
- Forget hard-copies and pay as many bills as possible electronically with automatic funds transfers from your bank account. Most utility companies can be contacted dir...
- I keep a budget book and the bills are slipped inside. I enter each check and date for the month and subtract the bills to be paid from that check, stating the date t...
529 College Savings Plan?
I recently met with a financial advisor Greg Hanson at Northstar Bank in Denton ... won't lower your chances of getting grants or loans when the time comes. ...
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- My husband is a numbers man and when my now 13 yr old was born he had hers set up and ready for 529. Over the years, we have allowed our investment guy from Edward Jo...
- One web site that can help a lot is www.collegesavings.com. I googled "529 Plan" and got a lot of helpful info. I reviewed an article by Morningstar on the various p...
- Also try www.upromise.com. It is VERY easy to get an account set up and many retail stores will contribute a small % of your purchases to the college fund & they also...
Pell Grant
Aug 19, 2009 ... The pell grant like all other loan and or school money granted .... they used to do is either send your money to a bank card or send you a ...
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- I have received the pell grant in the past... What they used to do is either send your money to a bank card or send you a check. If you get it on the card, it automati...
- I work part time in a financial aid office and schools do handle disbursements differently. Once you get your Student Aid Report from FAFSA (Department of Education) i...
- The school will take the money out of the pell grant to pay for the hours you are enrolled in, and if there's any left over they will send you a check. If you're go...
Starting a Budget
listed all bills from student loans, water bills, car payments, average credit card bills etc i got alot of my averaged from our bank we bank with 5/3 bank ...
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- I found it easier to organize by using Quicken. Use your debit card or check book to pay for almost every thing. Use a credit card to pay for your gas but the nex...
- Have you heard of Dave Ramsey? He is a financial advice guru that has a christian base to his savings and getting out of debt plans. Go to: www.daveramsey.com You'...
- It took me a long time to convince my husband to start a budget. He tried reading several of the financial books out there, but none of them hit home with him. Final...
Experience with Buying a Foreclosed Home
HUD home are FHA loans gone bad and their commission comes out of your bid ... We bought a foreclosed home and the bank was not willing to go any lower than ...
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- On a HUD home the Realtor can make anywhere from 0 - 5% of the homes price. It really depends on the contract and the purchase price, etc. A foreclosed home can be w...
- We have bought 2 foreclosures. The first was a HUD a little more paperwork, we payed almost full price for it, but it was during the HOT market times in FL, we sold it...
- If you already have a realtor, why not ask him or her? Is it a friend or family member and you are afraid of offending? With a foreclosure, just remember there is ...
I"m DEBT Free..Not! I Need Your Advice Again!
... direct deposit then direct withdrawled the minute it gets in the bank. .... We were at $27000 in debt with credit cards, loans, and a remaining car note ...
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- I have actually NEVER heard of the person before. I make decent money, and although I'm not completely debt free, at this time I only owe about $20,000. $10,000 of tha...
- Hi A., It took my husband and I exactly 22 months to get out of debt completely. We were at $27,000 in debt with credit cards, loans, and a remaining car note balanc...
- Nothing personal against Dave Ramsey...but am I the only one that see's that HE is the one rakin' in the cash? Books, talkshows, seminars....hhmm? Its this simple, l...
Ok, I Know I Won't Get Much Sympathy, but Here Goes...
Oct 16, 2009 ... I ever spent AND weve caught the bank and other merchants making .... kids In her case it's student loans car note mortgage and credit ...
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- Dave Ramsey's Financial Peace University! Those small expenses add up! For example: Eating out 1x/week $15-20/meal/wk x4wks/mo =$60-80 x12 months =$720-960/year...
- I completely understand where you are coming from. I used to have a corporate job making 56,000 and my husband made about the same but we were still paycheck to payche...
- Totally understand. My husband and I both have good jobs; however, still concerned about finances and were tight every month with paying bills. Last year, we put ourse...
Suggestions for a Good Credit Card That Gives Back
I have a Discover card as well as a Chase Bank Visa. Both "give back". ... Our Capital One card just loan us 0% for one year so we could rehab a house for ...
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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 ...
Wanting to Buy a House, but How?
... to get anything better with a bank if they would have financed it at all. ... So many people are in trouble right now because they got loans that they ...
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- There are lots of ways to help you bring down debt and still purchase a home (without getting ripped off) Try to stay in the same apartment for the next three years wh...
- Really think hard on why you want to own. It's a big responsibility and you might be suprised at the cost of maintenance that you don't pay when you rent. So many ...
- After reading all of the response I decided to let you know about another method that noone here has mentioned. I brought my house 10 yrs ago as a single parent makin...
