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Credit HELP!!!!
Asked by M.H. from Lima
on October 11, 2011
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Hello :) My husband & I have been working VERY hard to get his credit straight to buy a house. We've been working on this for TWO YEARS. We called a loan officer today...
Answers
- One thing I haven't seen mentioned here in the replies is that you can go to www.AnnualCreditReport.com and get one copy of your credit score from TransUnion, Equifax,...
- My honest opinion based on your last comment is to pay off credit card debt and shut down all but one card and pay it off monthly. When u do that plus save 20 per dow...
- I just want to point out, A. you can get credit based on Household income, even if you don't work. I have awesome credit, and actually everything is in my name but I ...
Affording to Stay at Home
Asked by B.B. from Jacksonville
on August 6, 2007
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We are financially struggling with two children under the age of 27 mths. I am currently working because my husband doesn't support me staying at home. Close to 60% of...
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- Hi B.! I can make a couple of suggestions that really work for me. First, if you have ANY credit card debt at all, get rid of it as quickly as possible. If you ca...
- In reference to the coupon using advice. A lot of coupons are for the more expensive brands, and you'd be better off just buying the generic sometimes. Some things are...
- I agree with a lot of what has been said so far. I would just like to add an additional godly perspective for you. When I gave birth to my son, I didn't have a choi...
Starting a Real Estate Career?
Asked by L.R. from Portland
on September 2, 2011
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I'm hoping to hear from some real estate mamas (or dadas) about whether I'm crazy to be thinking about starting a career in real estate in this down market.
I've be...
Answers
- I appraise houses. Its a good time right now because interest rates are low and sales are picking up. It sounds like you have a passion for it, I think you will do ...
- I think if you are passionate about it and really love it, then there is no wrong time to take the plunge. Houses aren't moving fast and crazy, but they are moving and...
- I'd say if you don't mind working for free ...... then go for it. People who have been realtors for MANY years are probably doing alright but they have many referrals ...
Do You Work Because You "Have" to or Because You "Want" To?
Asked by D.P. from Pittsburgh
on July 26, 2011
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I work PT (2 days per week). Mostly because I want to. To cover my personal bills and expenses, and "extras" etc.
I think if I wanted to, I could not work at all an...
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- I PLANNED on returning back to work until my job was 'eliminated' after a month after I announced I was pregnant. Since then I've been a SAHM but during the school...
- I don't think WORK is what someone pays us for as much as it is what the human race is designed for. Everything good and constructive is a type of work. The Bible sa...
- I am a single mom of 3 boys so I work because I have to. I think that even if this wasn't the situation I probably would still work at least part time.
Help...need Advice on Filing Bankruptcy!
Asked by C.W. from Philadelphia
on September 15, 2009
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Ladies,
I am at my wits right now recieving collection calls day and night. My situation is after quiting my "I hate this Company" job and going back to school for...
Answers
- I would suggest you contact a local credit couseling agency and get some advice from them. They are there to help people in your situation and may be able to help you...
- Sammy is right, the first thing you do is schedule an appt with a bankruptcy lawyer. To make the appt much easier take a statement for all credit cards, loans, etc. a...
- There is a very good company that helps people who are in pre-forclosure called Secure Property Solutions. You can google it and find out more info. and their phone n...
Mom over 40 with 5 Month old...should We Have Another?
Asked by L.B. from Sacramento
on January 17, 2011
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It feels like crazy talk but time is ticking fast! I just turned 42 and our son is 5 months. My husband ( 36) and are 50/50 about having another child. If we were youn...
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- I'm about to turn 43. I have 6 year old and 2 year old sons. I can't imagine them without each other. I Love watching them, even when they disagree, just because they ...
- My personal opinion is to go for it. I think it is important for kids to have a sibling! Being an only child is lonely. If you know you are healthy and you had no prob...
- As a mother of three, if I could do it over, I would have one child. I don't see any advantage to giving your child a sibling. Parenting is hard. Parenting two chil...
Husband Does Not Want to Own a House EVER, Is This a Bad Financial Decision???
Asked by C.J. from New York
on June 3, 2011
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OK I'll make it short ladies. we were homeowners from 2003 until 2009; I LOVED my house, I loved being a homeowner and we only sold because husband's work was an hour ...
Answers
- Geez, I can't imagine why he WOULDN'T want to buy a house, especially while the market's so flat. In the long run, it's ALWAYS better to rent then buy, unless you r...
- I have always wanted to be a homeowner, however I can understand why some people absolutely would not want to go that route. A few years ago, we put our house up fo...
- While real estate is rarely a bad investment, if he doesn't want to, he doesn't want to. Make sure to be funding your retirement and college funds generously!
Skipping Senior Year??
Asked by P.M. from Harrisburg
on April 23, 2013
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Our son is an incredibly bright 16 year old, who will be 17 at the beginning of September. For numerous reasons, when the time came for school, we decided that since ...
Answers
- Nope, don't let him skip senior year to start college. Chances of him getting early admission are slim if he's "capable" but not making the grade. You don't get into ...
- I would make some kind of written contract with him. It should include standards for grades, attendance and turning in work on time for the coming year. It s...
- I have two scenarios for you: 1.) One of my older sisters graduated after 11th grade and went to college with great success. She went to law school and became a par...
How Can We Get Out of This Circle?
Asked by S.M. from Dallas
on February 23, 2008
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Hi ladies,
I really need help. My husband and I are in serious financial trouble. A couple of months ago, my husband was out of work for a few weeks. He has a job now...
Answers
- First, I agree with some of the previous posts--cut up those credit cards (and go a step farther--call and cancel them with the company)!!! Credit debt is not necessa...
- Oh S.. I know what you are feeling all too well. Have you seriously thought about claiming bankruptcy? It sucks and doesn't look good on the credit report either bu...
- It's been said a ton already, but I gotta say it again-DAVE RAMSEY. His total money makeover book and his talk show is a good start. I won't add anymore about his pl...
How Do You Budget and Divide Household Expenses?
Asked by L.P. from Pittsburgh
on June 7, 2010
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My fiance and I both work, and thus have our own incomes and back accounts, and we live together and share household expenses. But I am struggling with how to budget ...
Answers
- Ok, I was married once to a man who lied and DESTROYED my finances. We ended up getting divorced and I became careful to the point of paranoia, lol, for years while re...
- As for budgeting and equal shares you asked about, my hubs and I only did the separate account business for a short time after we were married. It was just easier for...
- My wife and I have spent and saved together since we were married. Marriage was the committment. My wife's check is not her check. Its our check. My check is not m...
