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Living on a Budget, Saving Money/Questions
| Subject | Date Asked | Expert |
| debt | 12/27/2006 | Niquenya D. Fulbright, Professional Life Coach |
| Q: I want to by a house but i have 23000.00 dollars in debt.? I want to by a house but i have 23000.00 ... A: I can't say that your plan sounds good to me. It doesn't really make sense to go into debt on your ... | ||
| How tough is this question? | 12/26/2006 | Jennifer S. Wilkov |
| Q: I'm a 30 year old bachelor who owns my own home outright - I owe nothing more on it! I have zero ... A: Congratulations on having no credit cards. Knowing your expenses is the best way to begin ... | ||
| steve | 12/23/2006 | Niquenya D. Fulbright, Professional Life Coach |
| Q: Our brother seems to have no motivation. He lives in a house that my parents bought with the ... A: I am not sure what you are asking. If I were to put on my life coaching hat, I would have to say ... | ||
| Fiance's Debt | 12/19/2006 | Kathryn Nye |
| Q: My fiance hasn't been too responsible in the past, he is just not good with money, and has been ... A: Collections - if there aren't too many, make payment arrangements of 10% of the balance. For ... | ||
| credit in general | 12/14/2006 | tbaarr |
| Q: I used to be terrible with money, until recently. I am getting a lot better at saving all of it and ... A: a credit score of 690 to 750 is great 850 is the max you can get if you get a credit card visa ... | ||
| Financial strategy for a very tight family budget | 12/8/2006 | Niquenya D. Fulbright, Professional Life Coach |
| Q: I am a stay home mom with my own business that doesn't generate too much money, (enough to pay ... A: I am unfamiliar with the GET program so unfortunately I could not assist you there. I do suggest ... | ||
| Paying off Credit Cards | 12/3/2006 | Kindred Beisinger penname K D Elizabeth Beisinger |
| Q: I'm trying to figure out what so do with my Credit card bills. I have 2 Credit Cards totaling around ... A: If you don't feel that you can increase your payments to resolve the debt, then I know there are ... | ||
| canceling credit cards | 12/3/2006 | tbaarr |
| Q: have paid off all of my credit cards and now want to cancel them. I tried canceling over the ... A: did you get the persons name operator id and location after 2 minutes if i dont get my required ... | ||
| hello | 11/28/2006 | Kindred Beisinger penname K D Elizabeth Beisinger |
| Q: im just wondering something. im 17 yrs old,and a senior in high school. I started working the end ... A: I would say, if you are still in school and maintaining your grade point average, then $10,000 is ... | ||
| hello | 11/28/2006 | Niquenya D. Fulbright, Professional Life Coach |
| Q: im just wondering something. im 17 yrs old, and started working the end of January of last year. ... A: It would be difficult to answer this question efficiently without more information. It would depend ... | ||
| xmas gifts | 11/22/2006 | Teresa |
| Q: This year I would like to make some homemade gifts for close friends / family for xmas. But I don't ... A: Sorry my answer is so late - I have been gone for the holidays. There are lots of things that you ... | ||
| Bill Debt | 11/11/2006 | Kindred Beisinger penname K D Elizabeth Beisinger |
| Q: My husband got us into debt on all of our utilities, and then finally decided to hand over the ... A: If I understand this correctly, you are telling me, you are trying to pay down $700.00, but only ... | ||
| Credit/debt management/savings | 11/10/2006 | Niquenya D. Fulbright, Professional Life Coach |
| Q: I am trying to get my credit back on track. Do you have any suggestions on how to do this quickly? ... A: There is no really quick solution to fixing credit issues. What you can and should do is to make ... | ||
| Getting my first credit card | 11/6/2006 | Cindy Morus |
| Q: I have never had a credit card and I need one now. I've been searching/learning about credit cards ... A: I'm very concerned that you are planning to use the credit card for emergencies and for extra cash. ... | ||
| Refi vs. Assumption, Equity Loan vs. Line | 11/5/2006 | Cindy Morus |
| Q: I'm currently in the process of finalizing a settlement agreement and I understand that I can't ... A: have your mortgage lender do the analysis on which would be better -- the assumption or a new re-fi. ... | ||
| low income | 11/4/2006 | Niquenya D. Fulbright, Professional Life Coach |
| Q: What would you advise a young couple in this situation. We live in the UK my son and his girlfriend ... A: I am unfamiliar with the programs that may be available for UK residents. I suggest contacting your ... | ||
| credit | 10/30/2006 | tbaarr |
| Q: I am currently a student with a fairly good credit score. I have 0% APR credit card with about 1500 ... A: if it does affect your score it wont be much doing transfers like you are describing has never hurt ... | ||
| Should I buy? | 10/28/2006 | Cindy Morus |
| Q: I'm single, 27 and have been living at home since I finished undergrad because rental prices in ... A: congratulations on really thinking about what you are getting in to before you buy a home. I ... | ||
| Single Income Family | 10/26/2006 | Niquenya D. Fulbright, Professional Life Coach |
| Q: If my family goes down to one income we will not have enough money to pre-pay on all our debt. We ... A: If you are a U.S. resident, I suggest that you contact your local Department of Human and Family ... | ||
| Mortgage vs. money in bank | 10/26/2006 | Cindy Morus |
| Q: I will be receiving a substantial amount of money. We just found our dream home. Should we pay ... A: congratulations on finding your dream home -- how exciting for you! And a good question you are ... | ||
| Getting out of debt question | 10/23/2006 | Cindy Morus |
| Q: My husband and I are trying very hard to get out of debt. We recently transfered some of our debt ... A: congratulations to you and your husband for your debt reduction efforts. Do you itemize for tax ... | ||
| Financial questions | 10/22/2006 | Niquenya D. Fulbright, Professional Life Coach |
| Q: We have found ourselves in a strange financial situation and aren't sure what the best way out is. ... A: The penalties would be relative to what type of plan and which financial institution(s) they are ... | ||
| more bills then income | 10/4/2006 | Niquenya D. Fulbright, Professional Life Coach |
| Q: i incurred 23,000 in credit card debt in 2 yrs and am trying to keep up the min. i tried to start my ... A: I'm sorry to hear about your troubles. Have you looked into refinancing your home? After 10 years, ... | ||
| Finances | 10/2/2006 | April |
| Q: My husband and I have been married for 3 years and while we are both young (22 and 24) we have ... A: First of all, congrats to you on your success. I am proud of you and I don't even know you. You two ... | ||
| Medical bills | 9/23/2006 | Niquenya D. Fulbright, Professional Life Coach |
| Q: I had to have a couple of ear surgeries this year that have left me in a finacial mess. Insurance ... A: There are several things you can do to start tackling this debt. First, contact your credit card ... | ||
| debt reduction and credit card management | 9/19/2006 | Cindy Morus |
| Q: After dealing with job loss and debt reduction with some creditors, we have been unsuccessful ... A: sorry to take so long getting an answer to you. I don't know how you slipped through. You should ... | ||
| hi | 9/14/2006 | Niquenya D. Fulbright, Professional Life Coach |
| Q: i have some credit debt and am wondering what points to emphasize in contesting the debt there may ... A: There really is no wrong way to dispute a credit report. Put the choice that most closely reflects ... | ||
| hi | 9/14/2006 | Cindy Morus |
| Q: i have some credit debt and am wondering what points to emphasize in contesting the debt there may ... A: challenge every one of them. Are you sure that your identity has not been stolen? Write not only to ... | ||
| hi | 9/14/2006 | tbaarr |
| Q: i have some credit debt and am wondering what points to emphasize in contesting the debt there may ... A: i would just challange and admit nothing let them prove the bad credit or remove it in 30 working ... | ||
| Telephone service for Seniors | 9/13/2006 | April |
| Q: I am shopping for home telephone service for my parents, who are senior citizens. What is the least ... A: I am sorry that I can't help you very much as I don't live in NC and don't know the companies. What ... | ||
| building credit | 9/12/2006 | Cindy Morus |
| Q: I have been married for just over a year. I came into the marriage with great credit and a good ... A: First, I would have her get copies of her credit reports and credit scores so you don't have to ... | ||
| cr.card payoff | 9/11/2006 | Cindy Morus |
| Q: I have just got a home equity loan to pay off debt----I am wondering which accounts to actually ... A: with just 2 major credit cards, you can keep those open, especially the 22 year old one because one ... | ||
| Money | 9/7/2006 | Kindred Beisinger penname K D Elizabeth Beisinger |
| Q: I have a two year old and I work full time and my husband works full time but I keep giving my whole ... A: Stop writing checks when the money isn't there. It's not like writing a bad check gets the money to ... | ||
| Question about my fico score | 8/31/2006 | Kindred Beisinger penname K D Elizabeth Beisinger |
| Q: sorry i forgot to include that the reason for me getting my credit card is to try and increase my ... A: Yes, I understood that you are trying to raise your score. My area of expertise is in "Living on a ... | ||
| Question about my fico score | 8/30/2006 | Kindred Beisinger penname K D Elizabeth Beisinger |
| Q: My fico score is 711. I am 23 years old and the only debt i have is my student loans. Should I apply ... A: A credit card is probably the worse way in the world to keep debt low. I come from a different line ... | ||
| Secured Credit Cards | 8/30/2006 | tbaarr |
| Q: I have finally gotten my bills in line and am about to start putting money away. My credit is very ... A: chase and bank of america have a secured card call them up and ask them what their procedure is for ... | ||
| Secured Credit Cards | 8/29/2006 | Cindy Morus |
| Q: I have finally gotten my bills in line and am about to start putting money away. My credit is very ... A: J. Congratulations for getting your bills in line and starting to save money! That's awesome! The ... | ||
| Building credit | 8/21/2006 | Cindy Morus |
| Q: I have a few credit cards that are in collection. I have a savings plan to manage this. I also ... A: lots of good questions here. For building up your credit, I would wait a few more months where you ... | ||
| auto loan vs. home equity | 8/16/2006 | Cindy Morus |
| Q: I am purchasing a new vehicle, and I am contemplating financing this thru an auto loan or with my ... A: good question. You didn't really give me enough info to make the calculation but I found a ... | ||
| getting out of debt | 8/15/2006 | Kindred Beisinger penname K D Elizabeth Beisinger |
| Q: We just started Dave Ramsey's Total Money Makeover program. We have ~$300,000 annual income, I'm 64, ... A: I am familiar with Dave Ramsey and but only aware his teaching, all I know about his plan is: ... | ||
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Living on a Budget, Saving Money
Answers by Expert:
Kindred Beisinger penname K D Elizabeth Beisinger
Top Expert on this page
Expertise
I can answer questions pertaining to budgeting, savings, debt reduction, and total freedom from debt. I can assist in prioritizing expenses and obligations. I am willing to share and offer guidance in realistic money management, modest investments, and financial freedom. I am not an investment counselor, broker or accountant, I am a missionary that does not do fund raisers or ask for donations.
Experience
I live comfortably and have been debt free since I was 40.
Publications
Simply Abundant, Covenant Chronicle, Sweet Memories & Happy Plates
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