| Subject | Date Asked |
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| what should I pay first | 8/10/2009 |
Q: I have a $200,000 mortgage, $60,000 student loans, 2 car loans around $5,000 each. I also have ...
A: I would personally take the $5,000 you were give, as well as half your savings and pay off both of ...
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| I am drowning in my financial situation | 5/30/2009 |
Q: I am on social security and make too much for assitance, but am not paying any debt just the bare ...
A: My best suggestions: 1. Look for a less expensive place to live 2. Sell your car and buy a cheap ...
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| Can we afford it??? | 2/10/2009 |
Q: I'm thinking of proposing to my GF, but I need some feedback on whether or not we are financially ...
A: I'm not entirely sure if you can afford it. It really depends on what you are spending per month. ...
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| Budget & Bill Paying Services | 2/5/2009 |
Q: Are there any services out there that will walk me through developing a budget and even pay my bills ...
A: There are free downloads for a budget through Microsoft Word/Office, available on this page of my ...
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| budgeting | 11/14/2008 |
Q: I neeed somewhere online, etc I can look to be able to set up a budget without going to a debt ...
A: I would recommend printing a budget sheet out. Please see the free tools page, for a free printable ...
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| Credit and Loans | 8/25/2008 |
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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| Saving for school | 8/23/2008 |
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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| Budget | 8/18/2008 |
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 |
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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| cash | 7/30/2008 |
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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| plan A or B | 7/25/2008 |
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 |
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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| How to live on an inconsistent income | 7/11/2008 |
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 |
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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| What type of account | 7/10/2008 |
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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| Where do I start? | 7/2/2008 |
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 |
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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| Getting husband on board with budgeting | 6/19/2008 |
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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| Saving on Gas | 5/28/2008 |
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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| Moving, Living, Money, Rent, Job???? | 5/26/2008 |
Q: I am a 45 year old female without children who works 9-5pm. I earn $826 per week. I own a 2 bedroom ...
A: Anne. Thanks for your question. You sound like you have done a good job so far in managing your ...
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| Personal Budget | 5/10/2008 |
Q: I am 19 year old male looking to create a budget for myself. I work a local grocery part-time and I ...
A: It is great that you are planning to set up a budget at such a young age. If you look on the free ...
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| I am broke again! | 4/30/2008 |
Q: Mrs. Zorgo I am an entrpreneur, i have a bachelor degree in Industrial engineering. It is the third ...
A: For your situation, I would recommend the software "envelope" budgeting system. The money comes ...
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| planning for a budget | 4/25/2008 |
Q: I am trying to put together a budget for myself and my fiance. Every website that I have seen ...
A: I would first recommend that you start tracking the expenses you will have once you start renting an ...
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| Student Loans...AHHHHHH!!!!!! | 4/21/2008 |
Q: Here is my situation. I graduate from a private school and am leaving with a loan balance of 53K ...
A: Here are my recommendations to you: 1. Make a budget ASAP. (and stick to it!) 2. Cut out all ...
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| auto loan vs. home equity line | 4/15/2008 |
Q: I recently put a down payment on a 2006 low mileage Honda Accord as my primary vehicle. Which am I ...
A: While I imagine the rate on the line of credit could be low for awhile, if you choose to take that ...
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| getting out of debt before its impossible | 2/27/2008 |
Q: I don't even know if this is the right place to find help but here goes. I have very bad credit ...
A: I hope I can help you out. I will address each issue you have presented separately: 1. Get a free ...
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| HELP!! | 2/25/2008 |
Q: I'm a full time college student. I work about 10 hours per week making $10 an hour. But I only get ...
A: I believe the best solution for your current problem is for you to do the following three things: ...
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| Budgeting | 2/22/2008 |
Q: I need budgeting help! I have one full time job, one part time job, and receive child support..so, ...
A: Lori! I'm sorry to hear about your situation. Fortunately there is hope for you to be able to pay ...
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| Debt | 2/8/2008 |
Q: I am 33yrs old my household income is 68,500.00 per year, between me and my wife. But we cant seem ...
A: My husband and I have two boys and are living on less than $40,000 a year, so it's definitely ...
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