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I"m DEBT Free..Not! I Need Your Advice Again!
Okay so I am trying to do the Dave Ramsey money makeover online. .... am I the only one that see's that HE is the one rakin' in the cash? ... We were at $27000 in debt with credit cards, loans, and a remaining car note balance. ...
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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...
How to Cut Corners on Monthly Expenses
I clip coupons like crazy, and go onto some of the online coupon places... .... card you have or take out a loan interest personal loan to pay the cards off. ... I also have tried to earn a little extra cash by looking for things around ...
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- 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...
Our Landlord Is in foreclosure..need Advice!
He is breaching his loan obligation, but that's between him and his bank. .... If he does offer to give you back your deposit ask for it in cash. .... You may also be able to obtain a copy of the Landlord Tenant Act online or from the ...
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- Hello TJ, stay calm, contact your state office, ask for then research the landlord tenant act in your state. there should be laws on the books that protect landlord...
- I am somewhat new to this state, but my advice it to check the renter's hotline to see legally what can be done. You have rights too. My guess it is an office in Sea...
- You can get free 1/2 hour legal advice from Washington lawyers. Contact the Wa State Bar to find one close to you. They will tell you your options. You can also go to ...
I Hate Being a Working Mom, Advice Please!
There is training on-line, a lot of phone support, and live training too. .... We also ended up taking out a loan on his retirement. ..... but give you cash back, or points to "buy" things with. we pay off our credit card every month ...
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- I hated working too! I worked very hard bringing my daughter into this world and did not want to miss a single moment or milestone. You will have the rest of your life...
- We cut out special items like cable, newspaper, coffees, going to dinner or movies. We unplug everything or turn off our powerstrips. That alone saved us $41 a month. ...
- You and your husband CAN find a way that works. Stay at home Moms ( my older daughter is one) make sacrifices - use ingenuity - work at home -- any and all of the abo...
Going Back to school....anyone Have Any Advice About Online Degree Programs?
Asked by K.L. from Great Falls
on May 30, 2009
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Hi All! I have been thinking for awhile now that I would like to go back to school. A little background: I went to college for a year when I was 18, I had NO IDEA w...
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- I didn't see this request originally, but wanted to just respond quickly since I work (part-time from home) in the field you are looking at. I'm the webmaster for a pr...
- I just graduated with my bachelors in Criminal Justice from the University of Phoenix. I love the program. The teachers also work in the profession they are teaching t...
- I did hear about ITT that their drafting graduates know how to draw but not how to understand what they are drawing and that really is a problem, I'm not sure how this...
Debt Mediation
Asked by C.A. from Dallas
on August 1, 2008
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Just wondering if anyone has tried debt mediation or credit counseling and what your results were. I tried to get a loan from the debt consolidation loan from the bank...
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- I used a counseling service several years ago when my credit card debt reached $20K. I think I had about 8 credit cards then. They made it easy, I just sent them one p...
- I agree with most of the responders: Don't go to a for-profit credit counseling business. If you decide to go with a credit counseling service, go with a non-profit ...
- Hi C.! Please check out DaveRamsey.com before you do anything drastic!!! He is my Hero! I am strongly against consolidating debts, because the interest you pay for eac...
First Time Home Buyer
Asked by M.H. from Chicago
on May 23, 2009
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What's the best options for buying a home for the first time and what are my best options as far as getting a good loan or even no down payment options, It's a foreclo...
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- I am a loan officer - if you want more information and to get pre-approved, send me a message. Basically there are only 2 types of loans that you can get now for no ...
- Do you or your husband have military experience? It's pretty easy to go through the VA for a loan, especially if you are not putting down any or little money. Friend...
- Congrats! First and foremost get a real estate attorney who knows about foreclosures to guide you through the process. We are in the process of buying one and in our...
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 ...
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- 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...
Doing Business with Friends?
Asked by J.T. from Portland
on February 12, 2008
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I have a friend in another state who is in the mortgage industry, and does home loans. Business is very slow right now and her and her husband are having a hard time ...
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- I think you're smart to be worried...we (and 4 other investors) invested a LARGE sum of money with my husband's best friend (our best man) almost 2 years ago by way of...
- Hi! I have been in the mortgage industry for over 20 years, and can assure you that doing business via mail, e-mail and fax is perfectly secure. Your friend would ha...
- DO NOT DO IT !!!!!!! I had a friend of over 20 years (we grew up together) she was a real estate agent. My husband and I went to sell our house and decided we would ...
Suggestions for a Good Credit Card That Gives Back
Asked by M.M. from Chicago
on June 2, 2008
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Do you ladies have any suggestions for a reputable major credit card that offers a great cash back/rebate/gift program? Oh, low interest rate and no/reasonable annual...
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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 ...
