 How many credit cards do you own? |
And how many of those do you actually use? Just curious.
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Wow you guys seem really responsible... that's good.... |
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 Pay off credit card balance or make separate payments? |
I have the full amount to pay off my high-interest credit card. Should I pay it off completely or spread it out into weekly payments for a month?
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I guess each time I ... |
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 Online money making help!!!!!!!!!? |
| I want to make money online, i've completed my B.E , Is there any website were i can make a lot of money without investing ?... |
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 Financial question need advise? |
My husband bought a new home 2 years ago. My husband has lots credit card debt and we need to get out of it because one of them is in arbutration. so here are the fact would you do this?
does ... |
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 What is the cheapest way for someone from the US to send money to someone in China? |
I wanted to schedule a payment of $100 every month to a relative in China. Any companies out there that is reliable and doesn't charge lots of fees?
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I did some ... |
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 Have i a case? |
| i recently found a peice of paper signed by my father and signed by witness. he invested 18,ooo in my brothers company almost 35 years ago the paper gives his share to me but family are fightin sayin ... |
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 Anyone recently won the lottery, and would lend me £15000 to pay off my debt and accept £1 per month? |
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Com on guys.. how many imes do you here the saying "i don't know what to spend my money on" or " it made me so unhappy" . when it comes to ... |
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 If you just won 500 million dollars, what would you buy first? |
I would buy a Lamborghini or another sweet car. I would wait to buy a huge house so that I could get the best one.
Please star this question if you found it interesting.... |
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 Average salary, the government says its around £22k per person? |
would you say thats about right ? or to low / high ?
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I live in london, i found wages were higher when i lived in ... |
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 What would you do with $5000? |
| what would you spend it on?... |
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 I have a negative account balance? |
Its like 35 dollars in the hole and it just happened today accidently. If I go tomorrow and deposit a 40 dollar check will anything bad happen?
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I use Bank of A... |
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 Which type of mortgage should i choose? |
| I have just built a new home and I would like some advice on what type of mortgage I should choose. I am obvisously looking at a fixed rate loan but have been inticed by the low interest rates of a 5... |
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 Money question!!!? |
| Okay after I pay all of my bills, (car payment, electric, Directv, insurance, cell phone, ect.) I have 125.00 dollars a week to spend just for me and myself, is that good or bad?... |
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 If you file Bankruptcy will you still be able to buy a house in two years??? |
Iv'e heard of numerous amount's of people who file Bankruptucy and within one year get homes and new cars, HELP????
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I havent filed yet just thinking about it.... |
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 How do I create a budget? |
| I Just got a new high paying job, and, making about.. 14.00 an hour, I've added my bills, and all together, It adds to $ 930.00 ( including rent, credit cards, untilies and health ins. I don'... |
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 Anyone got $10,000.00 I can borrow? |
| My credit reeks, but I am trying to consolidate my debts & have just one payment. If you can SERIOUSLY help, let me know.... |
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bcsmt | What is the best way to get out of debt? |
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walter_b_marvin
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stop spending. its as simple and as complex as that. spend only for what you absolutely need. ask you self on each purchase do i need this. pay only cash. Even if you need somthing, put it off until you can pay cash, if possible. Find you debt with the least balance. Concentrate on paying it off in full. Then go to the one with the next higher balance etc. |
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MOM KNOWS EVERYTHING
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Pay your bills and stop buying things except absolute necessities until you get it done. |
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Lawrence R
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1. Go to this website: DaveRamsey.com
2. Listen to his radio show daily. It will help you understand that you are not the only one making less than smart decisions with your money, but you will learn how to make better decisions with the money that you do have.
3. Spend less than you make. |
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whateverbabe
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Consolidate and get rid of the credit cards |
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Ms. Inquisitive
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1) Create a budget.
first set aside a percentage for your living expenses examples: rent, food, gas, telephone, electric, water, sewer.
second set aside a percentage for savings or safety cushion.
third set aside a minimum amount for your credit cards and
debts in what that ask for. Then focus on one debt at a time and pay it off with a at least $50 above the minimum. Put aside all your cards and don't use them. In fact put them in a file. Have a savings account only for your money cushion and checking for bills and debts. In no time you will be right on track. Only spend money you know you have to eliminate more debt. |
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nope n
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Don't buy anything on credit. Pay off smallest bill first. Use that money on the next smallest and so on. Live within your means. Differentiate between want you NEED and what you WANT. |
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nm_varun
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don't take any risks with your money when you are already in debt. get a steady job and save up to erase your debt |
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ope i
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Consolidating debt is an ideal way to reduce your amount and tenure of debt. You make a single payment to one lender on a certain date and this will help you clear off the debts faster. But the fact remains that debt ..... |
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dlmrgnk
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Don't spend a dad gum cent unless you absolutely HAVE to--and then, take as long as you can to let it get out of your hand. Use a credit card for all you can but pay it all off every month (you use their money for quite a bit of time that way but don't pay any interest). |
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angela923
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Pay off as much loans as possible as soon as possible! Also if you are near bankruptcy, you can sometimes negotiate with your lenders a reduction in your debts and work out a payment plan to avoid bankruptcy.
Also, if you are 100% aimed at lowering your debt and not creating any more new debt, then take out a bigger mortage on your house if the value of your property has increased and use those funds to pay off your credit cards. This is effective since interest rates are much lower with mortages... BUT you have to be careful not to build up new loans and be determined and cut up all your credit cards!! If nothing else works, file for bankruptcy and get a fresh start.... Good luck! |
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normobrian
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Spend less than you make. |
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MR.Truth !!
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Cut up your credit cards and stop impulse spending !! |
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homeschoolmom
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Step one - stop using credit cards (you can't fill in the hole while your still digging in it!)
Step two - list ALL of your creditors, balances and interest rates from smallest balance to largest (unless you have one very high interest rate debt, then it will go at the top of the list).
Step three - pay as much as you can (until it hurts) on the first debt and the minimum payment to the others until debt #1 is paid off. Then, take the payment to debt #1 and ADD it to the payment on debt #2. Keep doing this until ALL your payment is going to your last debt and that is paid off. Now you're debt-free
An important note - start by putting some money ($50-100) each paycheck into a savings account for emergencies. They WILL happen, so it's better to be prepared than to blow the debt-reduction plan by having to use the credit cards again.
Step four - when the debt are all paid off, take the money you USED to use on your debts and put it in savings. You should never have to use credit cards again.
Another important note - don't starve yourself to pay off your debts. You should always pay your rent/mortgage, utilities, food, transportation, and emergency fund BEFORE paying on debt.
For more info, check out either of Dave Ramsey's books, "Financial Peace" or "Your Total Money Makeover" (see if the library has them). His advice is both simple and practical. |
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