| Subject | Date Asked | Expert |
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| Credit and Loans | 8/25/2008 | Gina Boykin |
Q: I'm in a tight spot, I just recently got a car thats 840.00 a month for 72 months (i've already paid ...
A: The rate you can get will be based on your FICO score. Do you know what yours is? If not, you ...
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| Credit and Loans | 8/25/2008 | tbaarr |
Q: I'm in a tight spot, I just recently got a car thats 840.00 a month for 72 months (i've already paid ...
A: Bank of america and discover are my first suggestions.... but you better have a 680 or better credit ...
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| Credit and Loans | 8/25/2008 | Julie Zorgo |
Q: I'm in a tight spot, I just recently got a car thats 840.00 a month for 72 months (i've already paid ...
A: First, put all your extra money into paying off your debt. This means no going out to eat, no ...
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| Credit and Loans | 8/25/2008 | Kindred Beisinger |
Q: I'm in a tight spot, I just recently got a car thats 840.00 a month for 72 months (i've already paid ...
A: Usually contracts on auto loans don't get rewritten, but they can get rolled over or into something ...
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| budgeting for school | 8/23/2008 | Gina Boykin |
Q: I am going to culinary school this fall and will be pretty much own my own financially. This is what ...
A: There are two things you can do that will answer all of your questions. If you can do these things ...
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| Saving for school | 8/23/2008 | Julie Zorgo |
Q: I am going to culinary school this fall and will be pretty much own my own financially. This is what ...
A: I would recommend first of all that you plan out all of your expenses now, and set up a budget. This ...
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| budgeting money for school | 8/23/2008 | Kindred Beisinger |
Q: I am going to culinary school this fall and will be pretty much own my own financially. This is what ...
A: First let me commend you and I wish you much success in your endeavor. As for your mom taking a ...
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| DISCOVER credit card | 8/23/2008 | Gina Boykin |
Q: Good day mam! I just want to know if DISCOVER CREDIT CARD can accepts buying airline tickets online ...
A: If you are asking if you can use your Discover card to purchase airline tickets, you can. Whether ...
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| Budget | 8/18/2008 | Julie Zorgo |
Q: Iam having difficulty making a budget...I live in Canada and make approx $37700.00 before taxes, ...
A: I would split the paychecks evenly so you have money for food /gas throughout the month. I highly ...
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| Juggling a lot, and living with the mess we maid | 8/16/2008 | Julie Zorgo |
Q: We are juggling a lot right now both money and priorities. I’ll try to put this all in the best ...
A: It seems like you have cut most of your bills as much as possible. Here are a few additional ...
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| Young with Lots of Debt, and not much options. | 8/16/2008 | Kindred Beisinger |
Q: We are juggling a lot right now both money and priorities. I’ll try to put this all in the best ...
A: I did a bit of quick addition and thank G~D, you are not spending more than your boyfriend is ...
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| Juggling a lot, and living with the mess we maid | 8/16/2008 | Gina Boykin |
Q: We are juggling a lot right now both money and priorities. I’ll try to put this all in the best ...
A: You do have a lot going on, but you are FAR from being in a hopeless situation. Based on the ...
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| Borrowing or Savings | 8/6/2008 | Gina Boykin |
Q: I have approximately $83 000.00 in my credit union savings account and I need $20 000.00 to complete ...
A: As long as you have money remaining for emergencies (which you will), then it is a much better idea ...
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| Car Loan | 8/2/2008 | Gina Boykin |
Q: I've been undecided about this issue for a while now and I've become a little narotic about it. I ...
A: I think that whether you plan to keep the car or not it would be better to pay them both off. As ...
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| Rick Miller credit repair, etc. | 7/31/2008 | tbaarr |
Q: I find it interesting that you are telling someone to repair their own credit, when you have ...
A: shannon where are these links or ads as I dont endores any credit repair outfit any ads at this ...
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| cash | 7/30/2008 | Julie Zorgo |
Q: I work for tips. Over the past 9 years I was able to stockpile over $45,000 in cash, $20's, $50's, ...
A: If you have reported the income to the IRS, I don't see why you couldn't open a bank account, or use ...
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| Loan Consolidation | 7/30/2008 | Gina Boykin |
Q: I have over $90,000.00 in student loans. Grad school: $37,375.45 are consolidated at 2.875% ...
A: Bankrate.com is a good source for calculators. The best way to determine wheter changing your loans ...
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| plan A or B | 7/25/2008 | Julie Zorgo |
Q: Julie, my situation is this. After 3 kids weddings I have a line of credit balance of $13,000.00. ...
A: How long is the 4.9 rate locked in. Often it is for less than a year. Unless the 4.9 is locked in ...
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| Debt or Savings | 7/23/2008 | Julie Zorgo |
Q: I have only couple hundred in savings and about $12,000 in credit debt. I able to either save a ...
A: To answer simply, pay off the debt first. You are paying WAY more in interest on the debt than you ...
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| 0% balance transfers | 7/20/2008 | tbaarr |
Q: I have great credit,(score is 707 but probably going to drop a bit as I just initiated more balance ...
A: Ref the life of the loan transfers, I have found bank of america and discover and Elan are your ...
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| credit card business debt | 7/19/2008 | tbaarr |
Q: I unfortunately have acquired $50,000 on credit card debt trying to keep my business afloat in this ...
A: Those debt reduction removal programs will hurt your credit as bad as a chap 11 or 13 or 7. The ...
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| Best way to finance home improvement | 7/17/2008 | Gina Boykin |
Q: I am considering installing geothermal heating and cooling in my new home. I have different options ...
A: I believe that any luxury item (nothing that is absolutely necessary for survival or health) should ...
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| How to live on an inconsistent income | 7/11/2008 | Julie Zorgo |
Q: I work in a salaried position where I am paid bi-weekly. My husband is a building contractor, and ...
A: I would recommend that you set up a budget based on your salary if possible. Use your husband's ...
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| building credit | 7/10/2008 | Julie Zorgo |
Q: I never had a credit card, and am going to apply for a student offer from my bank. So how do I go ...
A: It is a good idea to start building credit. Make sure there are no yearly fees associated with the ...
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| building credit | 7/10/2008 | tbaarr |
Q: I never had a credit card, and am going to apply for a student offer from my bank. So how do I go ...
A: there should be no annual fee in fact no fees of any type at all period except a late fee or an ...
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| What type of account | 7/10/2008 | Julie Zorgo |
Q: In your opinion, what are the best options for putting emergency money. They suggest that you have ...
A: I would personally try to put away $500-1000 for emergencies. You could either use your tax ...
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| Best place to put money | 7/10/2008 | Gina Boykin |
Q: In your opinion, what are the best options for putting emergency money. They suggest that you have ...
A: Actually, there's not a lot of differences between your options for your emergency fund money. I'll ...
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| mortage | 7/9/2008 | Gina Boykin |
Q: I think i,ve made a big mistake ! We bought a house that is 2,000 per month we make 4,ooo but with ...
A: If you can sell the house, I think it would be a better long-term decision. Your mortgage should ...
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| Where do I start? | 7/2/2008 | Julie Zorgo |
Q: Zorgo, I was recently unemployed for over a year and am now returning to work. During the year ...
A: I would call the original creditor for each of these accounts, and see if they would rather you pay ...
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| 20 yrs old and would like to set up for success | 6/29/2008 | Julie Zorgo |
Q: Ms. Julie Zorgo, Hi I am a 20 yr old male U.S. Marine single with no kids, I am not known for being ...
A: I would recommend that you print out a budget template, and set up a reasonable budget plan. You can ...
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| credit and debt management | 6/23/2008 | Gina Boykin |
Q: 6 years ago I took out a home equity loan that has about an 8% rate. I have very good credit and as ...
A: I actually know of someone that did the same thing you are considering to save interest. The only ...
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| Getting husband on board with budgeting | 6/19/2008 | Julie Zorgo |
Q: First of all I'd like to thank you for volunteering on this web site! It's great that you are ...
A: and thanks for your question! I agree with you that it's great to save and plan for retirement/your ...
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| car loan advice | 6/18/2008 | Gina Boykin |
Q: I am 30 married with 1 child. As gas prices go up, and people are trying to adjust there spending ...
A: The best way to figure out how much a car that has better fuel economy will save you is to go to ...
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| financial advice | 6/18/2008 | Kindred Beisinger |
Q: I am 30 married with 1 child. As gas prices go up, and people are trying to adjust there spending ...
A: I will offer what I can. You are weighing several options and the best help I can give is to ...
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| extra payments | 6/12/2008 | Gina Boykin |
Q: We're thinking of refinancing our home loan. We would be able to get ride of our PMI. Mortgage ...
A: If you get a new 30-yr mortgage on your home, based on the principal balance you stated, and include ...
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| student loans | 6/10/2008 | Gina Boykin |
Q: my wife and i have about $250,000 in student loans (oh the glories of becoming a doctor). most of ...
A: Since you are expecting, an emergency fund is a greater priority. Do you have at least a few months ...
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| debt | 6/10/2008 | Gina Boykin |
Q: what is the best way to stay out of debt
A: The easiest way to stay out of debt is to live by a budget. A budget is a plan for your money, and ...
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| $62K bonus and | 6/6/2008 | Gina Boykin |
Q: Gina, Long story short, I have been financing my life with credit cards and home equity. I recieved ...
A: Creating an emergency fund would be a great first step. If you know what your monthly expenses are, ...
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| Credit score | 5/28/2008 | Gina Boykin |
Q: I have two credit cards with balances on them but a few others with no balances on them. The two ...
A: 30 percent of your score is affected by the amount you owe. Lenders look at (1) the total amount you ...
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| Saving on Gas | 5/28/2008 | Julie Zorgo |
Q: I would just like to get your opinion. I hadn't planned on getting another car right now. But with ...
A: I would suggest that you sell your current car and replace it with a more fuel efficient vehicle, ...
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