debt
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Debt
Read all 10 responses: "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 ...
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. ...
Debt Counseling?
I was wondering if anyone has ever used a credit counselor or gone through a debt management program? We have a sizeable amount of credit card debt & we are ...
Answers
- We used the Dave Ramsey Total Money Makeover book. You can get the workbook for it instead and I think it does about the same thing as far as providing you info. A fri...
- Call your credit card company right away and ask for a supervisor. Tell them your situation and see if they will lower your interest rate and give you a set amount to ...
- Do not use a credit counselor. I tried it a few years back and it was a total rip. They didn't start paying on anything until they got (I figured over 11,0000) and I...
Debt Consolidation Anyone Done This Before ?
Read all 19 responses: "Hello Moms, I have been researching online about debt consolidation and am still confused. I have a lot of chargeoff's / credit card ...
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- I am doing that now, I did a lot of research too, I did find a company that seems to be ligit, we have had no problems with them so far. I belive we are using Freedom...
- Another Dave Ramsey fan here! My husband and I are totally debt free (including no mortgage), thanks to working multiple jobs, cutting spending, and bargaining with c...
- do you own a house? if you do you can look into a home equity or a line of credit...rates are pretty low right now. Can request quotes if you use lending tree. Int...
Need Advice on Those Debt Consolidation Organizations Out There!
Read all 20 responses: "It has come to my attention that I need to contact one of these groups/organizations to help us with our accumalated debt to help ...
Answers
- C., Having gone through this myself, I can say that when the right company is chosen, it can work wonders for your self esteem and for your debt. At the time I was...
- all I've ever heard is that those aren't good! I believe you can call the companies yourself and negotiate something. Good luck!
- Hi C., Check with your local Better Business Bureau. They have credit counseling. They may be able to refer you to a reputable organization. Good luck. D.
Debt Help!!
Read all 19 responses: "HELP!!! I need some advise on how to get the bills paid and still have money left after I get paid. There just seems to be more ...
Answers
- It sounds like you are getting a lot of good advice here. One thought that I wanted to add, though, is when it comes to using a credit counselor. It is a great program...
- I suggest the book "Total Money Makeover" by Dave Ramsey. My husband and I are in the same boat as you. We are now about half way through the book and for the first ...
- We are going through an awesome program at our church called Financial Peace University. My parents have already done it and they were able to save $1000 and pay off ...
What to Do About This Debt
Read all 12 responses: "ok so here it is. I just need to get it off my chest. We are soooo broke. I am in debt a good 4000 in credit cards and to top it off ...
Answers
- This is tough. One thing is for sure is to cut the cards whether maxed or not, get them out of site. I would avoid transfering balances to 0% cards because then when...
- A lot of us have been there L.. I started out selling things on Ebay. Of course, one has to be careful of the selling fees and make sure you know exact shipping so t...
- Hi my name is N. and I am a Sales Director with Mary Kay. I would love to share with you how you could make some extra money with a Mary Kay business. You can work M...
Help with Credit Card Debt
Read all 9 responses: "I am really needing help with our financials right now and was wondering if it is better to go with a debt colsolidation company or a ...
Answers
- Typically if you use a debt consolidation company they are able to lower the total amount you owe before you even make your first payment. Go to goodsenseministry.com ...
- Hi V. Last year I consolidated my $10,000 debt via a really awesome family credit union. Doing so lowered my total interest rate immensely, and my monthly payment...
- Good Morning V.... I wanted to let you know I just started a program with Family Life Resources.. They are a Christian non-profit agency that helps determine whats ...
Seeking Advice on Paying off All Debt
My huband wants to eliminate all our debt- cars and house. We both have jobs, We contribute to our retirement. It is such a shock that I want to do the ...
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- i would agree that you definately want to make sure that you don't have to pay taxes out of it before you use it all to pay off your debt. After that I would pay off d...
- My husband recently lost his step-dad and it is hard. We paid for half the arrangements. My suggestion is do both but a little at a time. Pay off your smallest bill wi...
- S., I am so sorry for the loss of this family member, and how very special that she or he thought so much of you to leave you some money! If this death occurred...
In Debt up to My Ears
Apr 21, 2009 ... Read all 26 responses: "Due to not having a job for a long time I am in debt up to my ears and would like to find one of those programs that ...
Answers
- Hello C., My name is B. and I live in Colorado. I also am still paying off some old debt, but I am able to do so with my home business with Arbonne. Are you inter...
- Hi C. -- don't do the loan consolidation thing. I recommend you get books by Dave Ramsey and/or Mary Hunt. Your local library should have them. Read those first -- ...
- Check out Dave Ramsey before you try one of those places. We went to Consumer Credit Counseling at one time, but their fees are high for what they do. Dave Ramsey has ...
In So Much Debt
Read all 28 responses: "I'm barely can make min. pymnt on my creditcard pymnt. I 'm in soo much debt and don't know what to do. I am so depressed, ...
Answers
- Have you considered transfering all balances to a 0% credit card? My credit union is running an ad for 0% interest on all transfers for a year. Then, if you still ha...
- Hi. First (if you haven't already) you should work up a budget to see what income your family has and then write up all of your bills and see how short (if you are sho...
- In this case, you have three options; 1)refinance your home, if you own it and IF you have equity. But, in order to get the best rate you need to act BEFORE you are l...
