 I am 14 . i ahve 3 questions.. plz plz plz answer? |
1.what banks can i join and get debit card accounts with.
2.also what type of card will it b (eg solo or cirrus etc etc)
3. will i b able to order stuff online wiv this (if i am 14)
THI... |
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 For a person with no money, no formal education, no big connections, what is the best way to get rich? |
Additional Details
The question is not about me. It's for those living in poverty I am concerned of. You may want to see my blog, i wrote something about a discussion with a ... |
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 I am 40 yrs old and I want to retire but I dont have the money.? |
| I am sick of work and want to enjoy life but I dont know how to do that unless I have loads of dosh which I dont have!!! What can I do.... |
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 Can you give me some money??? |
Hello, I am russian student. I do not have money even for new pencil.
please send some money to my WMZ if you can : Z566385155200
thanks in ... |
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 I have bad credit and I need a loan. Help please? |
| Im so stressed. All these bills are driving me crazy. I need to get out of debt.... |
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 I just inherited 35,000 dollars. I'm pretty ignorant on how &-or what to do with it! Advice??? |
| I know I want to put up 10,000 where it can not be touched to help my daughter with living expenses during college.(College already taken care of by another fund my Dad left me as well. Isn't ... |
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 Is $110,000 for a family considered lower,middle,or upper middle class? |
If a family with 2 people that work make a combined $110,000 considered lower,middle,or upper-middle class?
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Living in Dallas,TX... |
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 I am inheriting 10 million dollars? |
| i am inheriting 10 million dollars and i am after ideas on how to spend ... |
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 How much should I keep? |
| How much of my paycheck should I put in the bank and how much should I keep for myself? Like what percent? I know I should be saving it all, but I wanna at least keep a little for myself.... |
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 My neice received a check for 2875.00 from Allinace Bank in Virginia. Has anyone seen one? Is this check bogus |
| My neice went to the local check cashing store and they said it was a check from Nigeria but it looks so real like an original document. Does anyone know of fake sweepstake checks floating around?... |
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 Should I file for bankruptcy?? |
| well im 21 years old, and ever since I started working at the age of 14, I have got into serious debt, for instance when i was 16yrs, I ran my cell phone bill to $500, and never paid them because i ... |
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 What is your weekly personal expense budget? |
| Do you have a grip on your personal outgoings and saving a reasonable amt of money? What is the best way to save yet enjoy your life? I want to live debt free one day.... |
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 What are your tips for getting organized financially? |
| How do you keep track of deductions, donations, write-offs, etc?... |
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 If you found twenty dollars on the ground, what would you spend it on? |
Additional Details
A few weeks ago i found a twenty at work, i ended spending half of it on In and out Hmm good stuff.... |
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 Ways kids can make money? |
| Hi guys, I was wondering if you have any tips that I can make money. I'm in 7th grade and I need to make $500 by the end of the school year. So if you have any ways I can make money it would ... |
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daisy d | I have 10,000 in credit card debt? |
im 23 and have got myself in a hole that i cant get out of im selfemployed so evey month i make a different amount,i have use my credit cards to live off of,and now im haveing a really hard time paying them off,i want to consolidate my debit or do debit management i dont know witch one to do, i spoke with somone from credit solutions but i dont know if i should go through them there is so many out there,does anyone know of a good place to go threw? also i have been researching online and read you have to be in collectins to get in one of these programs in order for the companys to settle, i have never been late on any payments so sould i just stop paying them? and mabey rake up some more debit b 4 i go threw with it? |
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James Dean
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A line of credit, or a bank loan will help. You could use a loan to pay off the credit card, then pay back the line or loan at a much lower interest rate. There isn't much else you can do..find a part time job? Never pay the minimum payment on a credit card.
DON"T stop paying, it'll make things worse. |
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geazzurrd
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Here is an article i found on debt consolidation http://url.vg/youbigg/1d1ec3/debtconsolidation with some information and different plan options. |
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derek
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I didn't realize that you could get out of debt by borrowing money.
Where is all your money going? What did your expenses look like last year?
Plan your monthly budget based on your worst month. That way when you have a good month you'll feel as if you've had a nice windfall. The key is to plan. |
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Ray P
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1. Stop using your credit cards right now. Cut them up. They are easy to replace if you REALLY need them. From now on pay for everything with cash or a debit card. At least until you get out of debt.
2. Prioritize your credit card bill according to the interest rates. Pay off those higher interest rate cards 1st. The only thing you're paying for with interest is time.
You don't need credit solutions. |
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tarahdb
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whatever you do, don't stop paying!
if you still have good credit you can probably get a credit card that offers 0% interest on balance transfers for 12 months (be careful though because it usually goes WAY up after the 12 months), or Blue from American Express offers 4.99% interest on balance transfers for the life of the balance (I did this because it was going to take longer than 12 months for me to pay it off). transfer all your existing balances to the new card and then don't use this card for ANYTHING else because they will put any payment you make toward the low-interest balance before they put it toward the high-interest purchase you made. cut up your old credit cards and pay only cash for new purchases.
if you don't have good enough credit to get a new card, an easy way to get started is to call up your current credit card companies and ask for a lower interest rate. tell them you are considering changing to (insert competitor's name here) because they offer a lower rate and then ask if they can match that. tell them you are trying not to let your account go to collections and it would really help if they could lower the rate - they don't want it to go to collections because it's expensive for them. my friend heard this tip on the radio and wasn't sure whether to believe it, but figured she didn't have anything to lose, and then 2 of the 4 companies were willing to significantly lower the rate they charged!
you don't have to be in collections in order to get help, but basically you'll just be paying them to get all your debt in one place. just start paying off the card with the highest interest rate first and then move on to the others.
good luck!
p.s. i am 24 and just got out of $8000 debt after 18 months, you can do it too! |
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cowgirl
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Keep one credit card for emergencies.
Don't pay for meals, gas, etc with a credit card. You'll be paying long after the meal was digested.
Pay more than the minimum amount, or it will take much longer.
Use cash or a check - if you don't have money, then you don't buy things. |
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kurticus1024
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hmmmmmmmmmmmmmmmm
if you were a close friend of mine, maybe I could open up a little more and would have many things to say about it
anyway, its mostly like this:
consolidate at low interest if you can
those "credit solutions" companies would let it get into default first which ruins your credit for at least awhile
then they negotiate with the credit card companies, they request power of attourney and all that, kind of scary at least to me.
I think either you can pay it, then do.
Or if you can't, maybe a second mortgage, or a bankruptcy I think. |
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just me
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There are many banks offering 0% APR during a year or so. Apply for those CC and move your balance to it. If possible, get the less newer credit cards possible, but only the ones with 0% apr.
cut your expenses. Eat cheap. Sell thing on ebay or with people you know.
There is this Radio Show, Dave Ramsey, of a person who was bank rupt. He has this 'snowball' poicy, you should listen to it. It is a National show that really will help to listen to. And you can call him, he would give you a great input |
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123
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propose thru the lending company to freeze adding interest. Tell them to freeze use of the card and agree to make X amount of monthly payment. If they won't tell them you can't pay anything. Write this and mail it in |
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gabriel jones
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Bad credit is one of the worst problems to have... however there exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :
http://umgarticles.atspace.com/debt-consolidation.htm
if it helps kindly remember me in your voting!.. cheers! |
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Ying
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All those credit management companies out there are charging you for something you can do yourself. All it takes is disclipline.
You can pay off your credit cards by using the "Snowball" effect. This was featured on oprah.
-Gather your statements and prioritize them
-Start paying off the card with the lowest balance first
-Once that card is paid up, double the payment on the next card down the line...(that means the payment you was using for the card that is now paid off, add it to the 2nd card you're now tackling)
-Apply the same techiniques above to subsequent cards. Also communicate with your creditors and ask for extra grace...you'll never know if you avoid them!
Finally when all is said and done, stay away from high interest rate cards. Your credit card balance should be only 50% of the credit limit used. Anything over sends a red flag to the credit companies.
Credit cards should really be used to make certain purchases, not day to day living-why don't you use your debit card for that? |
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zebra
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here i suggest this pay off debt then get your *** into school to learn more and become smarter with your money |
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Rach
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The debt management programs are very GOOD if you have mainly credit card debt. I went through Profina Debt Solutions which is now called In Charge. I was doing good on the program until I started getting those dumb payday advance loans....!
Anyway, In Charge/Profina (www.incharge.org)helped me consolidate all my credit card bills in to one payment per month and they work with your creditors to get your interest and payments reduced. You can't leave any credit cards open though. (Just a bank debit card)
Most of my creditors were very supportive of the program. They'd rather be paid something than nothing at all.
PS: My credit card debt at the time was about the same as yours, around $10K. Don't let it go any further!! |
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Summer Sunset McGee
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Girl, you need Suze Orman!
Credit solutions can help you even if you are not in collections, they are non profit companies, but they do make money off of you.
You can get through all of this. If you don't want to use your creditcard one more time then go to the library and check out anything by Suze Orman. Do what the book says and you will not only get out of debt, but you will be on your way to being an investor and a person with a cushion in the bank!
She is the Bomb! |
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