Recurring Expenses

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66 answers

Living on Credit Cards

Financially we are quite a mess, and at odds as to what to do! So please, any advice would be helpful. Our credit score is excellent, we manage to pay things on time, because we keep borrowing from our credit cards. We are over 115,000 in debt, and that does NOT include the large mortgage. We are an average family, we don't make a lot of $, we bought a home too expensive, and had debt going into it, but now it's way worse. We are not upside down, just have more going out then whats coming in. We'd like to keep good credit, because...

Cell Phones

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51 answers

Rude for NOT Texting?

Am I rude for not texting? I have no texting plan on my phone. I actually have the most basic phone I could get, the free one that came with my plan. My husband and I have no desire to text, and my children are 5 and 7, so we have no need to text for their sake. Everyone at my husband's work is cool with him not texting. Here is the problem. Other moms and my new friends keep ASSUMING I text. I was signed up to help with my son's Xmas party and kept asking the other moms why I hadn't heard from the party cooderdinator. I had tried...

47

Too Much Texting

My 13 year old 7th grader cant stop texting! He would text 24/7 if he could...

33

Cell Phone Texting

Would like to hear from mom's with 12 year olds. She's an awesome kid trying...

Childcare Expenses

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7 answers

What Would You Pay for Childcare?

Hello, I was hoping to watch a few kids this summer (about my sons age) 5 or up..... My house with a pool/would take them to fun events, summer activities, watch them for an 8 hour day. What is a fair charge for this? (I will only be watching two children, so legally it would be considered babysitting-not childcare) Thx!

Clothing & Accessories

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18 answers

Ideas for a No Stress Low Cost Birthday for a 4Yr Old Only Child

My daughters 4 birthday is coming this weekend and I kind of dropped the ball this year- last year i went all out with a party. I am a single mother , back in school l and money is very tight. Also don't know of may kids to invite because she is out of preschool for summer break or she could have had it there. I am sending her to a summer day camp but that doesn't start until after her birthday so we can't invite those kids, that leave the little girls in her ballet class but there are only 3 girls left in the class as many are gone...

Credit Cards & Interest

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13 answers

How Did You Get Your Credit Card's Interest Rate Lowered??

Hi all! I have a credit card which I no longer use but am still in the process of paying off. I am currently making double payments each month but my interest rate is 20.9%... AHH!! I called the credit card company and asked if it would be possible to have my APR lowered... I was praised for my account being in great shape and being proactive but was denied my request, being told that due to the economy there is nothing they can do for me at this time. So, I asked what I could do in order to be eligible for a lowered interest rate... the...

15

Credit Card Debt

anyone have any experience with credit card consolidation? Are credit card...

11

Gas Credit Card

Hi anyone no of a credit card thats just for gas purchase only?

18

Best Credit Card

We our looking for a new credit card with a rewards programs(either cash...

Entertainment

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12 answers

Birthday on a Budget

My daughter is turning 10 and I need ideas for a fun birthday party (on a budget). I liked the ideas for the boy parties, but some ideas more girly. Thank you!

42

Need to Budget!

Hi there. I'm looking for some advise for a family budget. My husband and...

29

Wedding on a Budget!?

We are planning an outdoor wedding for May and we are on a strict budget. I...

17

Learning to Budget

Ok we are on a very tight budget and are looking at ways to help the grocery...

7

Cost of Living????

Hell Everyone!! Just gave a quick question....My boyfriend and I are finally...

Food

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Gifts

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37 answers

How Much to Spend on Gifts?

Hi, Moms. Just wondering how much each of you spend on birthday gifts for preschoolers and elementary aged children. I have a 3 year old and he is starting to receive birthday invites from friends at school and in the neighborhood. Just don't want to break the bank, but don't want to be stingy either. Any advise would be great. Thanks.

Insurance

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6 answers

No Insurance for Pregnancy

Hi all :) My insurance won't cover my surprise pregnancy so I am looking in to options. Has anyone used the Maternity Card or a program like it? Any other suggestions? Thanks. Nevermind...see my "So what happened".

Phone, Internet & Cable

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7 answers

Cable, Phone, Internet

I have been going through Roadrunner/Time Warner for the cable, phone, & internet so that I have all the services on one bill. I'm having some issues with their specials & confusion with the bills & all. I need some advice on a cheaper way to have phone service & all the above with cheaper bills & better deals. I'm considering a cell phone but I've never had one & I don't know the best way to go there either. How do I get a phone, internet, & cable for a decent price & hopefully with the least amount of hassell & confusion.

18

Drop Cable TV?

I am considering dropping our cable TV (comcast). Right now we have a...

School Tuition

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27 answers

Daughter Being Bullied by Bigger Boy in Private School

Hi everyone...My daughter attends a Christian private school and this boy is a year older than all the other kids in the class (he is a very big boy also). He was in her class last year also and would disrupt the class almost every day getting in trouble. This year he seems to be getting more aggressive and has threatened my daughter by telling her that he's going to get his family to shoot me and her. He has also pushed her down twice and poked her in the stomach. I told her teacher last year and I told the teacher this year that...

Transportation

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24 answers

Need Good Honest Car Repair Shop

Hi all - I was rear-ended on Cooper Street yesterday by a 20 y.o. girl. Thank goodness I was in the SUV as she hit me pretty hard. It looked like she might have totaled her small car. Anyway, she called later and said she did not want to go through her insurance company just yet but wanted me to get an estimate. I do understand what she is doing since she was afraid of her rates going up. Guess I have 2 questions...has anyone used any local (S.Arl./Mansfield) car body shops for any type of repairs which you were very pleased with? ...

15

Car Insurance USAA

A friend told me that because my Dad was in the Army, I can apply for USAA...