| Subject | Date Asked | Expert |
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| Budget for a student | 10/25/2008 | Gina Boykin |
Q: What resources are available to help this young woman get her finances under control? My 22 year ...
A: It depends on what type of advice she needs on where she needs to go for help. It sounds like she ...
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| budgeting for student | 10/25/2008 | Kindred Beisinger penname K D Elizabeth Beisinger |
Q: What resources are available to help this young woman get her finances under control? My 22 year ...
A: Your niece needs a plan. She'll never get through college if she doesn't have a degree plan. I ...
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| where should i start | 10/24/2008 | Kindred Beisinger penname K D Elizabeth Beisinger |
Q: hi doc my name is zavion and im 22 years old but im in a lot of debt that's bad huh but anyways doc ...
A: I'm sorry for the problems you are experiencing. The economy is a shaky mess for many people. ...
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| Mortgage payment | 10/20/2008 | Gina Boykin |
Q: I am thinking about missing my mortgage payment, in order to pay towards a credit card debt that I ...
A: If you are unable to pay your current minimum payment, you can always try to negotiate a payment ...
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| Mortgage payment | 10/16/2008 | Gina Boykin |
Q: I am thinking about missing my mortgage payment, in order to pay towards a credit card debt that I ...
A: Your mortgage should always come first! I know that credit card companies are much more aggressive ...
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| money | 10/13/2008 | Gina Boykin |
Q: I am struggling to pay bills and mortgage. I am a full-time college student ans single mother. I ...
A: You have two options here, and both of them are very broad - make more money or spend less. ...
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| Debt consolidation | 9/30/2008 | Bill Bauer |
Q: Bauer, I have done some bad decisions in the past that have put me in debt. I have learned my ...
A: Making bad decisions is something we all do. To err is human but as human beings we also have the ...
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| Debt consoidation | 9/30/2008 | Gary C. Dunn |
Q: Dunn, I have done some bad decisions in the past that have put me in debt. I have learned my ...
A: I'm sorry, Alfredo Alamo, but from what I have heard - they are all fraudulent offers. Take care, ...
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| Rent free | 9/16/2008 | Gary C. Dunn |
Q: my name is Bena' I am a 23 year old mother of 1. My boyfriend and i have trouble keeping up with ...
A: you can click here to learn more: www.caretaker.org -- Take care, Gary C. Dunn, Publisher THE ...
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| Saving money to move out! | 9/5/2008 | Kindred Beisinger penname K D Elizabeth Beisinger |
Q: My husband and I (and our 21 month old son) are currently living at my husband's parents' house. ...
A: I really think you should consider understanding some sort of budget before you move. If you are ...
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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 penname K D Elizabeth 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 penname K D Elizabeth 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 penname K D Elizabeth 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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