Hi, I was going back through some postings and -G- talked about making more than one payment a month on your cc. It sounds great but I want to make sure I understand this. Lets say your required payment is $200 a month and you divide that by 4 weeks and pay $50.00 per week […]

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It bothers me that schools don’t offer any *real* money/debt management classes (at least not in my daughters school). I can’t help but think that might help people also with staying out of debt. Everything from balancing your check book,the use of credit cards to what mutual funds are,Roth IRA’s,to how the stock market works. […]

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Have you explored Dave Ramseys Snowball method? You pay a total of 256.00 extra a month if you just look at the low end of what you are paying extra. You could pay off Penny’s in a little over 2 months with that extra and then you will have the 256 plus the 30 Penny’s […]

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I totally understand the impatience Monster (and the frustration Monster, the despair Monster–I’ve met them all!). One way that’s worked for me in the past is to pay minimums on everything but the card with the lowest balance. Pay whatever you can extra on that card with the low balance and watch it go away […]

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That is fighting the Monster of Impatience. I know the goal will be met and achieved, but how do you control the impulse to pay too much at a time to debt? I pay so much to the debts, getting them down, and a couple of times I leave myself a little short. Not short […]

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My Ex-inlaws have filed bankruptcy twice and I’d be very surprised if they don’t make it a 3rd time. I swear I believe they do this on purpose…get several credit cards, max them out buying all new stuff,file bankruptcy, wait a while until they can get more credit (10yrs. or whatever) and then start all […]

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I am currently in Chapter 7 and now my mortage company wants to foreclose on my house. I am 3 months behind on my mortgage payments. I could probably beg, borrow, etc, but my car insurance has doubled, my property taxes have increased by 30% and my oil bill has almost tripled. I have a […]

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Can you please tell me which debt settlement company you are dealing with. I am in debt up to my eyeballs and I’m not sure which way to go? Thanks in advance. Just a word to the wise, I enrolled into a debt management situation and yes they were successful in getting my payments down.. […]

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