free debt counseling
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Unemployed Spouse
Many colleges are offering free training or classes. ... If you're still feeling mad, I recommend seeking counseling for the both of you. ... If you ahve considerable debt, a financial advisor that deals in debt consolidation may help . ...
Answers
- My husband got fired a few months ago. I already worked ft so was hoping to get some help around the house. Yeah right! He stays up late and gets up late and does noth...
- yes, we should talk! I am trying to be sensitive to my hubby's depression and his anger and helplessness over all of this, but that means i have to stuff down my ow...
- Hi K., In today's world, the best thing for your husband would be to start his own business. There are many businesses out on the internet but you want to be caref...
How to Cut Corners on Monthly Expenses
I am debt free. I got in a great program, Consumer Credit Counseling (CCC of Atlanta). It is a low monthly fee of like $5.00 they bargain the rates down, ...
Answers
- Where do you live? Do you have a WinnDixie around you they have certain bargains on meat buy one and get one free! What is your profession?
- There's a ton of great advice here. I'd like to reiterate the comment about breastfeeding. It will SAVE SO MUCH MONEY. If you are having problems, call the hospital...
- I know you said you already use coupons, but have you checked out thegrocerygame.com? Its a great site and if you want to subscribe, they take your normal sunday coup...
How Can We Get Out of This Circle?
Uh Uh. We went to a free debt counseling service. they said buy food, keep the roof over your head, make car payment for transportation. and what ever ...
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...
What Techniques Do You Use for Finances?
Although my husband and I do not have student loans but were debt free when we ... I don't where you live but we went to American Debt Counseling on 10 and ...
Answers
- I do the finances in our house and I would advise getting a bill payer account at your bank. I add up all of my bills and then divide that number by the amt. of paych...
- My husband and I use an accounting software. It is the BEST! We use it to keep track of every penny - it really helps you to see where everything goes, so that way if ...
- C., Are you a Savings Angel member? If not you will save HUGE. It is a website that has already began to change my live. I've only been budgeting their way for 2 w...
How to Consolidate
Oct 5, 2009 ... Good luck If you have questions feel free to email me. Helpful Yes | No Save This Remove This ... Debt Consolidation Anyone Done This Before ...
Answers
- L. ~ There's a reason they are called CONsolidations. If you're looking for a common sense way to handle overwhelming debt, you won't find better than Dave Ramsey....
- I work in Realestate and run into this alot. Mortgage companies will not help in a modification if you are managing your bills.I suggest that you contact a good lende...
- we used 'take charge america'- a free service for az residence but that was a couple of years ago. they only charged maybe $5 to have it taken out of my account every ...
Don't Know Where to Turn??? Husband Doesn't See That We Have a Financial Problem
Aug 20, 2009 ... I did debt counseling for years - without knowing your financial ..... until my oldest son can got to the preschool where I teach for free. ...
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- You should read Dave Ramsey's "Total Money Makeover". My husband is a full commission loan officer. We have always had enough money for all our bills until more rece...
- I know what you mean. Currently my husband is looking for a second job because frankly he makes more money than I ever would. I sew some of my kids clothes and go to t...
- Sounds like you are trying to do everything right! How about refinancing your mortgage? Consolidate any debt into one bill/low interest rate? Watch carefully on you...
How Do I Fix My Bad Credit?
I would reccommend contacting consumer credit counseling its a free service and I don't know if they can help but they may be able to give you some ...
Answers
- Without knowing the particulars of your credit, whats on it and how long it's been there that is a hard question to answer. I would reccommend contacting consumer c...
- Hello, A., I am a Realtor and I do not recommend that you call consumer credit counseling. That will show up on your credit as a red flag to mortgage lenders. I have ...
- Sounds like you need advice from Dave Ramsey! Try www.daveramsey.com. You can listen to his radio show weekdays from 1-4pm on 570am KLIF.
Financial Assistance
She will be debt free in one year---she went through a divorce (not due to finances) and ... Do you need debt counseling/consolidation or are you in need of ...
Answers
- S. - Your first order of business is to throw the word divorce out of your vocabulary. You think it's expensive now??? I have been where you are. There IS a lig...
- Call Scofield Memorial Church. ###-###-####. They MAY be able to help short term w/ finances. They have a wonderful associate Pastor- Neil Curran- who can help you g...
- dear S. - are you a member of any church in the area? i know that church's are especially sensitive to these type of situations and usually most of the bigger ones ha...
Protecting Myself
Sep 2, 2009 ... Please think hard about reconiling What brought you to this point Did you both go to counseling before separating If so was he receptive Did ...
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- I don't know how long you've been seperated but SC law says you have to be for a year before the divorce will be granted. You and your hubby are to use this time to s...
- I'm not sure how you would go about protecting yourself and the children financially. The best advice I can give you is to contact a lawyer and get advice from someon...
- P., There seems to be a trust issue and getting to the root of it should help. Since you've not actually decided as yet whether or not you're taking him back, now ...
Mom Seeking Other Moms Opinion
... to get out of debt and in a year see where things are as far as my marriage ... Mary Catholic church in Winter Park has free counseling from attorneys I ...
Answers
- OK- so did you read what you wrote? Your answers are all there. You can wait around waiting for him to become the man you want him to be. He's only nice when he needs...
- He needs a swift kick in the rear! I recently got back together with my husband after about 8 months of separation because he started acting like a jerk to me. We ...
- N., I am so sorry that you are going through this, I thought my situation was bad, but your husband is really taking advantage of you and has no respect for you or ...
