 It's my business and problem right? |
| My mom called my boyfriend of 8 mnths ranting over a cell phone I asked for her to buy when my razor went out the other day. I promised 2 pay her back. Unfortunately I never hav money for emergencies ... |
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 Does anyone have experience buying a used car with terrible credit?I have a high income of around 100K? |
| The bad credit comes from charge-offs on unsecured credit cards. i have had a mortgage for the past year in perfect standing.... |
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 Reason for 0% APR Cards? |
| What is the reason for credit card companies offering a 0% apr card apart from the usual promotional spin? Is there somnething to do with the economic cycle we are in?... |
|
 Can anyone help me finanially? |
Would anyone like to send me money so I can support fiancially for next 3 month or so.
Something happend and need help.
Additional Details
bijan a
I'm a good person but ... |
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 E Bay Debt?? |
| Just received a formal demand,from a debt collector on behalf of unpaid e bay fees,for advertising a car that wasn,t sold,the fees were for £130,i think that is ridiculous,should i pay,or ignore??... |
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 Catalogue debt? |
| Does anyone know if it is possible to transfer catalogue debts into someone elses name? I have a customer who has ordered quite a lot of things from my catalogue and now can't afford to pay and ... |
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 How do you add good things to your credit? |
| I am 24, will be 25 in June. I have a 4 year old son. I don't own any cars, rent any cars or furniture, etc. I don't have a cell phone, or even a bank account. I do rent the top half of ... |
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 Credit Cards and Not Paying Them? |
| I owe two credit cards money. I've tried everything but I can't seem to pay them anymore. My lover racked up the bills before she took off on me. I owe about $4000 on one and about $1000 ... |
|
 Please help someone i know used her dead husbands credit card? |
| some one i know used there dead husbands credit card and no it's not me, the card arrived the day he died and she could'nt afford flowers or anything for the funrel so as she had a second ... |
|
 What can I do if my debts are choking me? |
| My sallary won´t be soon enough to cover my credit cards and other expenses. What are the options? Legal, of course!!!... |
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 Debt Management? |
| Has anyone else on here used Payplan? Are they good? How are you coping with debt problems? I have serious debt problems and a friend advised me to declare myself bankrupt. Is this a last measure?... |
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| What is better, more credit cards or older cards? |
| I have about 6 cards that are all pretty much paid off but I like most of them for various reasons...Chase amazon b/c I shop there alot and the rewards are good. Chase freedom cus of the APR, W... |
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| How easy will it be for me to get a credit card? |
| Im 18 and have no credit history. I am about to apply for a student credit card, will it be mereley a formality meaning i will get the card easily or is there a big chance of me not getting the card?... |
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lostatsea | I recently just got out of debt : ) how do I stay out? ? |
Im happy and can finally see a black bank balance lol Ive seen red for far too long. any one have tips on how to stay out of the red?
I am a student..I think this might make a difference to the advice lol |
 |
 
Nenya
 |
As a student, you probably will have school expenses that could put you back into debt but you can still keep yourself on track by being careful how you spend discretionery money .... that's anything beyond the basics of living (food, shelter, health care).
Do not use a credit or debit card to make discretionery purchases, don't charge your groceries either. Save the credit card for emergencies and school needs. Try to get back into paying in cash and think about ... Do I really need this, or just want it? The wants on our list easily disguise themselves as needs, so think hard on that.
You can save on clothes by shopping at resale stores. They sell on consignment and the stuff is usually really good. Ditto for some home furnishings.
Find inexpensive or free ways to have fun with our your friends or by yourself.
Good Luck. |
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davo6253
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1. Avoid any line of credit, I.e. personal loan, credit card ANYTHING that allows you to spend more than you have.
2. Have one debit card which you are able to spend from
3. Have an internet only account (great interest as well)
4. Only have $100-$200 (personal pref.) in your at call account at a time, the rest put in your internet account
This way you can only spend larger sums of money if you go home and transfer it from your internet account to your spending account, allowing you to avoid making 'splurge' spends!
Hope this helps! |
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stephenl1950
 |
I think if you're smart enough to get out of debt, then I think you're smart enough to stay out of debt. Of course some debts such as a home and car can be hard to avoid, so try to avoid buying something way above your head. Don't use credit cards except when you plan to pay them off every month. |
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Emma F
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CONGRATS! Start paying yourself, so put some money aside every month, for emergencies etc. This way you'll have cash, and trust me its harder to spend cash than use credit cards. there are some GREAT online banks with decent savings rates! |
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Kristy - Kaitlyn's mommy
|
Good for you!
Stay away from credit cards, if you don't have the cash don't buy it. I'm sure you'll get a few answers like that, but it's the truth. Also save as much money as you can, put some money aside every month and don't touch it.
I am married now, but I also got into debt when I was in college. My husband & I only have 1 credit card, we use it often but pay it off every month.
Good luck :) |
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heybulldog
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cancel all your credit cards. Credit cards are the financial worlds cigarette.
Don't worship the fico score. Building credit is the biggest joke of the 21st century.
Pay as you go. Live on less money than you make. If you do this, you will not have any payments. You'll have money and not have to worship at the alter of the almighty fico score. |
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carl l
 |
Good for you. Try not to buy anything unless you can pay cash for it. |
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Bunny D.
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Good for you!! Doesn't it feel great? Look at your income and TRY not to buy anything you cannot pay for each month. Good luck!! |
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saved_astronaut
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i started saving & it came in handy 2x when I bought my cars from a neighbor. NOW I'm gonna save again 4 other reasons, like debt payoffs, & eventual move out of state. I must eventually start over in a new location & I'm looking 4-ward 2 it. |
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