 I NEED to raise 400.00$ by June.? |
| Im a 12 yr old girl. Give me some ideas to make it please?... |
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 Ok I need some financial advice . My husband and I? |
| have been trying to pay off our credit card debt for 3 years now and we are barely making a dent. I have went through and cancelled all our extra things like trash service ect. and bargained with ... |
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 How to deal with overspending??? |
Additional Details
can u be nice and answer this ? with sincerity i need answers!!!!!... |
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 Can you reccommend a lender that would help me? |
| i need a loan for £5000, i have bad credit, a tenant, and am slipping into debt and need to claw my way out, i havent been doing many hours work to help my partner financially, but am now job ... |
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 Fed up with being asked if you want loans and credit when you go up to the counter?? |
| Am I the only one that is fed up with this? You go into *your* bank and the first thing they ask you is "are you interested in another credit card". You go into the Post Office for one ... |
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 I need some quick cash for about 6 weeks.......? |
| I have run really low on my cash. Is a car title loan a really bad idea? I'll have a cash flowing bank account the first of Oct. but thats not helping me now. The only asset I have is my vehical.... |
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 Is there anything wrong in being very cautious of your spending? |
| I use coupons, catch sales, remember I am working with very little money here, recycle. When I have the money yes I will buy brand new name brand I have learned how to put outfits together I do not ... |
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 ANSWER THIS QUESTION, please? |
| there is a company or a afew companies that say you can order your certified copie of your birth certifacate through them and will recieve it within 24hrs or some say 3 to 5 business days. would you ... |
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 How much money saved as a back up to survive, you know so you dont become poor? |
im thinking around 10,000 pounds at least
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giddy up and how much is that ... |
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 500 Billion Dollars!? |
| What would you do with 500 billion dollars?... |
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 If you had $35,000 in credit card debt and got a check for $20.000, would you do with the money? |
yes, i am in that situation. Is it best to put 20K in cash straight towards paying down credit card debt?
Additional Details
Alternatives would be:
1) save for a rainy day
2) ... |
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 Should I quit my job? I will pick the "best answer" quickly.? |
| I am a teacher; therefore, I am usually off for the summer. However, this summer I worked out of town for three weeks and I have quite a few home improvement projects I need to get into (just ... |
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 Aren't my bank taking the mickey? |
my bank insist on sending me a statement to my address which is unsafe-is this a legal requirement?
whenever they screw up the account local branch refers me to head office and vice versa;the ... |
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The Mole | Can anyone advise a way of moving all debts from credit cards to something else so that...? |
...you are not consistantly paying back the interest.
Whether this gives interest free or a lot lower rate.
I have a colleague at work I'd like to help get back on the financial track. I'm thinking if she could move her debt to something that doesn't accumilate she could then destroy her cards and start clearing her debt properly. |
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Jen G
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Check out Dave Ramsey at www.daveramsey.com. He can be very helpful in getting someone back on the right track financially. |
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Steve W
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If she is a homeowner, she might be able to qualify for home equity loan, and use proceeds to pay off all credit cards. The equity loan is typically a lower rate, and as a consolidated loan with a long term may have lower payments.
As you say the trick is not to run up the credit cards again. Destroying them is a godd start. |
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Missty Rain
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I know someone who has been in that situation a couple of times the first time it happened she organised witht the banks to cancel her cards and started a repayment plan the second time it happened she had to get a loan to consolidate her debt
I hope that has helped |
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5yellowchips
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zopa?
interest free credit cards?
interest free overdraft buffers? |
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Beth
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Pretty much anything that she could use to consolotate her debts would help- a single personal loan from a bank for example would have lower interest, but if she's having financial problems, she may have trouble getting a loan.
There are debt counselling/consolodation companies out there- many can negotiate with credit cards to settle her debts for less than she owes and/or lower the interest provided she stops using them.
She may also be able to speak with the credit card companies herself- they may agree to lower the interest if she agrees to pay the lot off in a certain number of payments (i.e. rather than paying the minimum every month which can take 15 years to pay off, she pays x per month for the next 6 months paying it off completely) if they know that she is having financial difficulties, but it's important that she knows that she will have bad credit for some time and may not be able to get any credit for 5 years or so. |
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Max B
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The only thing I can think of is a no interest loan from a family member. |
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big C
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if you're in debt, i suggest you take a look at this site. just fill out the form and take it from there. |
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MS
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It depends on if your friend has learned her lesson on debt. If she consolidates and then opens more accounts and accumulates more debt she has not benefited at all. It's a vicious cycle. I agree with the first response. Look up Dave Ramsey on line and listen to the radio show or pod cast. Great info to turn your debt around. |
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Whoosher
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If you're in the UK, go to moneysavingexpert.com. It's run by a genius called Martin Lewis and is full of useful advice, not only from Martin himself, but from other people who have been through or are going through financial difficulties.
It's absolutely brilliant, and should be obligatory reading for everybody trying to get by! |
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CT
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Get a loan to consolidate your debts. And keep away from those credit cards. |
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cloothe
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A lot of places advertise "debt consolidation" loans that are designed for the situation in which your friend finds herself. But these tend to be second mortgages, and that means she has to own property. If she does, then they can be a way to greatly reduce her payments, BUT (and it is a big but), she has to be absolutely sure she can handle the reduced payments, or she could lose her house in the process.
Most cities and counties have a voluntary credit counseling agency that can work with lenders and borrowers to help people like your friend, and I strongly urge you to help her find the one in your area. (One place to ask are the companies to whom she owes the money, but they might well be in the phone book.) Make sure you go ONLY to a non-profit agency. The ones that charge a fee, especially a fee up-front, are often just frauds that will get her even deeper in debt. The non-profit agencies are either run by the government or by lenders' groups. They are interested in working out problem loans, and not in charging phony fees.
By the way, your friend doesn't have to pay off her cards before she rips them up. If she is a compulsive shopper, then getting rid of her cards now will keep her from adding to her debt. She still has to make the payments, of course, but getting rid of her cards (or maybe all but one of her cards) might be a good first step. She should also consider trying to focus on one lender at a time. Pay special attention to paying down one card (maybe the one with the highest interest), then the next, and so on.
A credit counseling service can give her advice on this and other strategies, and it can also work with the lenders, possibly getting them to spread out the payments to more manageable levels, or even reducing the interest rates.
Your friend is lucky to have someone like you in her corner. The best way to help her is to make sure she is getting good advice from a professional who is not just a scam artist. Good luck!! |
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Helen
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ridiculous as it sounds it might be worth her applying for another card and transferring all her debts on to that one (0% transfer) this allows her a limited period without interest to bring her out of the red , and besides one monthly payment will definitely be easier to meet .
make sure though that all the other cards are destroyed and she only ever uses whatever amount the agreement on her new card demands to keep it active , otherwise she'll have one company chasing her to court for the entire amount she owes at the first sign of trouble , it's a long haul but it works . |
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sexytrojan
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Transfer her balances to a card with 0% interest on balance transfers and pay them off that way. That was one of the best things I ever did financially. |
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Ladymargareta
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The best way is to take out a personal loan at the lowest rate availlable to pay off the credit cards set up ddm to pay loan and cut up all cards - this is debt consolidation |
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PW
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Get a loan, like from prosper.com |
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