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Living on a Budget, Saving Money/Questions
| Subject | Date Asked | Expert |
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| financial advice | 6/18/2008 | Kindred Beisinger penname K D Elizabeth 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| $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, ... | ||
| 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 ... | ||
| 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, ... | ||
| Saving on Gas | 5/28/2008 | Kindred Beisinger penname K D Elizabeth Beisinger |
| Q: I would just like to get your opinion. I hadn't planned on getting another car right now. But with ... A: Of course better gas mileage is a good idea, but you are right. I'm sure the more economical the ... | ||
| Saving on Gas | 5/28/2008 | Gina Boykin |
| Q: I would just like to get your opinion. I hadn't planned on getting another car right now. But with ... A: You can actually do the calculation easily, with the availability of MPG (miles per gallon) ... | ||
| Gas cards | 5/27/2008 | tbaarr |
| Q: Are gas cards a way, in your opinion, to pay less for gas? Any tips will be appreciated. Thanks in ... A: Yes, visa and mastercards that give 3 percent cashback,are a great way to save ten to fifteen cents ... | ||
| Promissory note | 5/26/2008 | Gina Boykin |
| Q: We want to loan my daughter money and use a promissory note. When I go to the sites for forms it ... A: A great website to visit is www.suzeorman.com. Suze has a promissory note that can be used, ... | ||
| Moving, Living, Money, Rent, Job???? | 5/26/2008 | Julie Zorgo |
| 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 ... | ||
| Law School, Debt and Parents. | 5/25/2008 | Gina Boykin |
| Q: I am currently a student finishing up my bachelor's degree. I will be starting Law school next fall. ... A: Since you can’t work, I think the only alternatives are scholarships (which you can still ... | ||
| law school loans | 5/23/2008 | Gina Boykin |
| Q: I just accepted a job out of college at one of he Big 4 accounting firms. I start in January, and ... A: You actually may not have to worry about accumulating debt. Here are some suggestions: Why not ... | ||
| money | 5/11/2008 | Kindred Beisinger penname K D Elizabeth Beisinger |
| Q: First let me say that I was not raised to save money. My parents moto was spend it all because you ... A: It is a matter of financial discipline. It sounds like you have many thrifty ways, already. From ... | ||
| Personal Budget | 5/10/2008 | Julie Zorgo |
| 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 ... | ||
| Personal Budget | 5/10/2008 | Gina Boykin |
| Q: I am 19 year old male looking to create a budget for myself. I work a local grocery part-time and I ... A: You can go to www.daveramsey.com and click on "Gazelle budget" which is an online budgeting tool ... | ||
| liquidation | 5/6/2008 | Gina Boykin |
| Q: Why do liquidation usually results in losses for the creditors or owners or both? please give some ... A: A company usually liquidates its assets because it is in financial trouble. When a liquidation ... | ||
| I am broke again! | 4/30/2008 | Gina Boykin |
| Q: Mrs. Boykin I am an entrpreneur, i have a bachelor degree in Industrial engineering. It is the ... A: Here are some simple things you can do to start on the right path: 1. Set some goals: This doesn't ... | ||
| I am broke again! | 4/30/2008 | Kindred Beisinger penname K D Elizabeth Beisinger |
| Q: Mrs Beisinger I am an entrpreneur, i have a bachelor degree in Industrial engineering. It is the ... A: I read your question and took a day to think about it. You are, undoubtedly, a sharp guy, so here's ... | ||
| I am broke again! | 4/30/2008 | Julie Zorgo |
| 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 ... | ||
| planning for a budget | 4/25/2008 | Julie Zorgo |
| 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 ... | ||
| Credit Card | 4/25/2008 | tbaarr |
| Q: Does ANYONE know of a "clean" up-front credit card with no GOTCHA clauses and clear fair terms with ... A: My first choice is discover gas card 1% cashback 5% cashback on the first $100 of gas bought each ... | ||
| Student Loans...AHHHHHH!!!!!! | 4/21/2008 | Julie Zorgo |
| 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 ... | ||
| auto loan vs. home equity line | 4/15/2008 | Julie Zorgo |
| 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 ... | ||
| How can i make money? | 4/11/2008 | Gina Boykin |
| Q: Im 19 and trying to make money. I have parents. But my mom isnt rich. As far as my dad. He never ... A: The first thing you should realize is that you should not be in any hurry to do anything with the ... | ||
| auto loan | 4/8/2008 | tbaarr |
| Q: I just recently paid off my auto loan (approx $15,000) with a credit card fixed at 4.99% for the ... A: YOU made the right choice. The only difference between a credit card and your auto loan is the auto ... | ||
| What should I pay off first | 3/26/2008 | Kindred Beisinger penname K D Elizabeth Beisinger |
| Q: My husband and I have $30,000.00 in credit card debt. $18,000.00 of it is a pair of snowmobiles ... A: I always recommend keeping all payments current and paying extra on the one with highest interest ... | ||
| Credit clean up | 3/25/2008 | tbaarr |
| Q: Read your response to question asked 7/25/2006 on Rick Miller credit clean up kit. You answer ... A: Before the repunks passed their new bk laws I would have said you were ok to follow your plan of ... | ||
| How to make extra money | 3/24/2008 | Kindred Beisinger penname K D Elizabeth Beisinger |
| Q: My wife and I work in the professional svcs industry and have good incomes. We've just bought a ... A: You mention that you both have good incomes. Are you expenses within your means? The job market ... | ||
| any suggestions? | 3/22/2008 | Kindred Beisinger penname K D Elizabeth Beisinger |
| Q: I am writing today because i have finally verbally come to terms with myself, and my husband, that i ... A: I'd be happy to teach you some things about managing "this necessary evil." E-mail me 1 specific ... | ||
| credit card payment | 3/19/2008 | Gina Boykin |
| Q: I recently asked a question about paying off credit card debt faster and it was suggestion that I ... A: I'll start with your last questions first. I'm assuming the credit card company gave you a certain ... | ||
| High CC Debt | 3/17/2008 | Gina Boykin |
| Q: Gina, I am writing to ask you if there are any reputable financial institutions that I can go to to ... A: Actually, I think that getting another loan is the LAST thing you should do right now. As you said ... | ||
| Credit Card or Tax bill? | 3/13/2008 | Gina Boykin |
| Q: I have a dilemna. I have a credit card bill that has plagued me since 2004. I have paid so much on ... A: The IRS should definitely take priority over any credit cards. As I’m sure you’ve figured out, the ... | ||
| ex-husbands debts. | 3/5/2008 | Bill Bauer |
| Q: .. I wonder if you can help me with a question I've been trying to get an answer to for a few years ... A: The tax man can do anything he wants to do, make any ruling he wants to make no matter how fair or ... | ||
| Money | 3/3/2008 | Gina Boykin |
| Q: I am wanting to know what your suggestions are for my situation. I would like to be able to at least ... A: The biggest things that would help your situation is to lower your rent and car expenses. Your car ... | ||
| paying off credit cards | 2/29/2008 | Gina Boykin |
| Q: I am finally making a salary where I can put more money toward my credit card debt. I am also saving ... A: Paying off the cards first would be best. Then you are free to save as much as possible each month ... | ||
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Living on a Budget, Saving Money
Answers by Expert:
Gina Boykin
Top Expert on this page
Expertise
Financial planning, debt management & credit cards, and money-saving tips for adults and teens. Saving vehicles such as CDs, treasuries, bonds, and money-market funds. I provide honest, objective and relevant information to help you made the best decision for your money.
Experience
Over 10 years of combined experience in accounting, audit, investing, entrepreneurship, real estate.
I am the CEO of Atlanta Y.E.S., a nonprofit organization dedicated to financial literacy for youth.
Education/Credentials
B.S. Accounting, 10 years of experience in accounting, audit, and investing
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