 Any tips on getting out of debt faster? |
| We are on a good plan (e.g., paying of high-interest loan first), saving, working more, etc... and we have consilodated most of our debt with one of our banks and are already paying a low interest ... |
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 I have won 250,000 u.s.$ in a lucky draw through net .? |
| i have won 250,000 u.s.$ in a lucky draw through net but for claiming that money i have go indonesia ,but i cant afford that what should i do?... |
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 Pay off debt or save money? |
We have a lot of debt. We have more total debt than we make in a year, and more than half is student loans.
We're trying to build up our credit by both saving and paying stuff off. B... |
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 How do I change my name in my social security card? |
I just got married and need to change my name on my social security card, how do I do that?
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citizen in USA... |
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 Do you think I can survive on 1400$ a month? |
Additional Details
living alone in an apartment where rent is about 900$ total a ... |
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 My boss asked to borrow $2,000.? |
$2,000 dollars for 2 weeks.
He would pay $500 dollars intrest.
Q: would you loan 2,000 for return of 2,500?... |
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 Help, my heart has been torn apart. My teen (18) daughter thinks I am unfair for grounding. What do I do? |
| My 18 year old daughter came home last Saturday (after I finally got a hold of her) drunk and late (4:00 a.m.) I have grounded her for a month. She says that I am a Pschyo and she doesn't want ... |
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 What would YOU do if you won 250 million dollars? |
| I would pay off my parent's, sister's, and brother's mortgages, get the best doctors in the world to help my nepew, take all of my friends, including one or two in Yahoo Answers (*wink*... |
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 How can i have a million dollar without working? |
| i need to get money for many plans of mine.now i'm a mother and i can't leave my two kids.How to get money from home?... |
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 How can I earn money? |
| I really want to get money because I want to save enough to take a trip to France. How can I get a job if I'm only 13? And please this is serious! I want serious answers and serious help! And I ... |
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 What can I do with this money? |
| I just got my school refund.... and it's close t the 4,000 ....what should I do? I want to use it wisely but the only thing I can think about is clothes and new shoes...so I need advice. Thank ... |
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 O.k i need a financial advice? |
I have a debt of $6850(different things) total and I have a Good Job i make a little bit more than $2000 a month how can I pay all the total amount in 3 o4 for months.?
Additional Details<... |
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 How do other teens have so much money? |
| im 16 and have a job at a pizza place making minimum wage(6.15 here) i work like 10 hours overtime every week and still always end up broke, why does it seem as if most people (16-20 somthing with ... |
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 Can a credit card company raise your interest rate without notifying you? |
| Hi, I was just wondering a credit card company raised my interest rate by 3% without notifying me or explaining why. Is this legal?... |
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aecruiser | Why do you own a credit card? |
Some people think my wife and I are crazy for never owning a credit card and should get one. We are 22 with no debt besides our house. I guess we aren't fixated on our credit score like many other people. We own debit cards but have never felt the need to get a credit card. From all that I have heard, credit cards can do a whole lot of harm, but not that much good. So why do people have them? Any thoughts are much appreciated, thanks!
Additional Details
Everyone seems to bring up emergencies as a main reason. Why not have an emergency fund in place (3-6 months expenses) like most competent financial planners suggest so you don't pay interest on your emergencies? |
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Clifton
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People have credit cards for four reasons:
1. They believe the myth that you "must have credit to survive".
2. (I'm stealing someone else's words) So they can buy things they can't afford with money they don't have to impress people they don't even like.
3.Somebody told them it is "good to have one".
4. They think credit is the only way to purchase a vehicle, make hotel reservations, buy airline tickets, or buy anything online, when in fact you can do all of those things with a debit card as long as you have the funds to cover whatever you are purchasing.
Again, I'm stealing someone else's words here: You are not crazy, you are just weird. Normal is broke, and if normal is broke, I'd rather be weird. |
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JC
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Having a credit card increases the amount of available funds you can have. If it is treated right and you pay the balance off that you incure for the billing period, then it builds your credit score and proves you are credit worthy. It also helps to have a credit card in case of any sudden emergency that is unforeseen. |
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Gary
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Because you can not get an airline ticket, a hotel room, or a rental car from your home when making reservations. |
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Hey
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Having a credit card helps you build your credit file, just as your mortgage is doing. It is just another way to prove to the credit industry that you pay your bills on time.
Personally I use my credit card as a convenience to buy gas, groceries, and online purchases (actually for everything...I don't carry cash). I would never use my debit card for an online purchase. Once someone got a hold of my credit card number and charged 50.00. I would rather them charge credit, than to have it taken out of my bank account. I pay the entire balance when it becomes due, so I don't pay a finance charge. |
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staggerlee337
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you have debit cards, which means you pay your debts in full at the time of purchase. Congrats. You have the correct mentality to own a credit card.
I own a credit card for emergencies. I use it all the time, but pay it in full every month, so it is like a regular bill. My limit is increased as I pay it off, so my purchase power increases. This allows for 2 things to happen.
1.God forbid, I should be incapacitated in some way. (I broke my back years ago and lived on the credit card for 4 months while I recouped. It covered the items for which I didn't have cash in my bank account at the time, as I did not have income.) My regular bank account covered rent and utilities. The card bought pharmaceuticals and dr bills, etc.
2. My beacon is so high now, that last year I test drove a car I fell in love with. I drove it home on a Friday afternoon, and didn't fill out any paperwork until the following Monday. When I did, I got a better rate than the one the dealership was offering. High beacon scores mean lower financing rates.
I highly recommend it. Get one, but keep your current practices. Pay it off in full every month. If you ever need to refinance your home, or get a car, you'll be glad for the interest rate, and the minimal hassle! |
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Kevin H
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if you can be responsible with a credit card, it can make things easier.. i used to struggle from pay check to pay check and then one day my truck broke down.. i needed my credit card to get it repaired.. i aslo need a cash advance once to pay for my security deposit on my apartment when i forgot my check book... my debit card only allows me to take out so much money in a single day |
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pinay804
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order stuff online?
paypal
i was told it is good to have at least one credit card |
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No Name
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Because you can't rent a hotel room without one... |
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usa4life23
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So they can buy things that they can't afford at one time. Why didn't you pay cash for your house? Same concept. Many people however misuse credit and it ruins their credit score. You're not bad for not having a credit card and they aren't bad for having one as long as they are using it wisely. It's a personal decision. |
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mikey
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because most people are not like you- most people are horrible with money, therefore they get credit cards to help them out in financial situations.. it sounds like your wife and you are doing really well... to be 22 and not have a credit card is a wonderful and fantastic thing. having credit cards becomes a burden.. even if you don't use it- some companies make you pay a monthly charge for not using them.. also there is the risk of losing your card and having unauthorized charges..
anyways you should be proud that you never needed a card |
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ousiicko
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i dont they are bad because you can go over the money thats on the card. |
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