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Living on a Budget, Saving Money/Questions
| Subject | Date Asked | Expert |
| Pay off credit card | 8/14/2009 | Gina Boykin |
| Q: I am single, 57 1/2, earn 42,500 year. I have a 20,000 credit card debt I want to pay off. Options: ... A: If you did not sell your Texaco stock, when would you need that money? If you will need that money ... | ||
| what should I pay first | 8/10/2009 | Julie Zorgo |
| 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 ... | ||
| Where to go for help. | 7/30/2009 | Bill Bauer |
| Q: I am a 49-year-old middle manager for a large corporation; father of two teen daughters. I need to ... A: I'm not a financial planner but I can teach you get rid of some of that debt. It won't be easy and ... | ||
| Where to go for help. | 7/30/2009 | Gina Boykin |
| Q: I am a 49-year-old middle manager for a large corporation; father of two teen daughters. I need to ... A: You may actually be a good candidate for consumer credit counseling with the NFCC. They offer ... | ||
| Finance/Future | 7/23/2009 | tbaarr |
| Q: I need an outsiders perspective. I am 31 yrs old, a stay at home mom living in Sherwood, OR. My ... A: this is not legal advice its personel experience. MY best friend in cali went thru what you did ... | ||
| Credit Card Debt - should we pay it off? | 7/22/2009 | Gina Boykin |
| Q: I recently saw Suzie Orman on a talk show where she said with today's recession situation, CASH IS ... A: I agree with Suze that cash is king. It is so important these days to have an emergency fund. You ... | ||
| Credit Card Debt - to pay or Not pay it off | 7/22/2009 | Bill Bauer |
| Q: I recently saw Suzie Orman on a talk show where she said with today's recession situation, CASH IS ... A: It is a tough call. I do agree with Orman on her point that cash is king and you do need a cash ... | ||
| extra money | 7/17/2009 | Gina Boykin |
| Q: so I'm not quite sure where to post this, but i will start here. i just recently bought a townhouse ... A: In general, it's not a great idea to take out secured debt (mortgage debt# so that you can purchase ... | ||
| financial planning | 7/1/2009 | Gina Boykin |
| Q: My daughter is 31, single and very responsible with money. She purchased her first home 4/25/08 on ... A: It depends on what her goals are on whether or not she needs to pay for the advice of a financial ... | ||
| Student Loans and Financial Aid | 6/22/2009 | Bill Bauer |
| Q: There wasn't an expert listed under the Financial Aid category in Education, so I was hoping you may ... A: I really don't have any answers for you either. You just have to figure out what your goals are and ... | ||
| Saving for Retirement Instead of Investing | 6/12/2009 | Kindred Beisinger penname K D Elizabeth Beisinger |
| Q: I am 41-years-old, have no debt other than a home equity loan instead of a mortgage($460 a month, ... A: I think you are on a very good plan, but I would want to remind you that there is no such thing as ... | ||
| College? | 6/7/2009 | tbaarr |
| Q: I'm 13 at the time and I make straight A's,only for B's this year,I'm getting ready to go to high ... A: If your grades hold you may get a full ride scholarship. If not you may be able to get a state ... | ||
| College? | 6/7/2009 | Jaynee Sasso |
| Q: I'm 13 at the time and I make straight A's,only for B's this year,I'm getting ready to go to high ... A: I would like to refer you to a good friend of mine, who can better answer your question. Her name is ... | ||
| College? | 6/7/2009 | Gina Boykin |
| Q: I'm 13 at the time and I make straight A's,only for B's this year,I'm getting ready to go to high ... A: You can do anything you want to do, if you set a goal, make a plan, and take action. None of these ... | ||
| Owe 8k to Ford | 6/4/2009 | Gina Boykin |
| Q: My boyfriend currently owes 8k to Ford. Ford has been calling him, telling him that he needs to pay ... A: Does he owe for a car that he still has in his possession? Whether he does or not, you have a few ... | ||
| I am drowning in my financial situation | 5/30/2009 | Julie Zorgo |
| 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 ... | ||
| Financial Trouble | 5/29/2009 | Jaynee Sasso |
| Q: My fiance and I have a total of 6 credit cards (3 in each of our names). Since aquiring the cards ... A: I am curious, How much are you paying out in credit card payments each month? Another loan is not ... | ||
| budgeting | 5/25/2009 | Jaynee Sasso |
| Q: i am trying to move out of my parents house i make about 1600 a month and am still having trouble ... A: You will need to calculate the total amount needed to move. Then decide how long you are willing to ... | ||
| Money | 5/20/2009 | Jaynee Sasso |
| Q: I have credit card debt and it is scaring me because of how banks are raising rates, etc. I have a ... A: Before you withdraw any money from your IRA I strongly suggest that you consult with an investment ... | ||
| How quickly to pay off student loans? | 5/17/2009 | Gina Boykin |
| Q: I have $60,000 in student loans. About $12,000 of that is low-interest, fixed-rate federal student ... A: I don't think it's necessary to be out of student loan debt before purchasing a home. It is very ... | ||
| Young Investor | 5/9/2009 | Gina Boykin |
| Q: Hey Gina, my name's Tony and I'm a young investor and I live in Canada. Investing to me is ... A: I'm not aware of one comprehensive website that lists new investments. This is because it is highly ... | ||
| Poor? | 5/7/2009 | Jaynee Sasso |
| Q: If you live on welfare and medicaid,does that mean that you are poor but you don't live under poor ... A: Absolutely not. Your mother's decisions have nothing to do with you. You are only poor if you ... | ||
| getting my husband out of spending addiction | 5/6/2009 | Jaynee Sasso |
| Q: I am frustratied with my husbands spending - I have talked to him about it, how can I be more ... A: I truly understand your frustration and want you to know that you are not alone. Many people ... | ||
| Poor? | 5/5/2009 | Kindred Beisinger penname K D Elizabeth Beisinger |
| Q: If you live on welfare and medicaid,does that mean that you are poor but you don't live under poor ... A: Living on welfare and medicaid certainly qualifies one to be "low income" but hardly poor ... | ||
| Poor? | 5/5/2009 | Jaynee Sasso |
| Q: If you live on welfare and medicaid,does that mean that you are poor but you don't live under poor ... A: Poor my friend is a state of mind. Sometimes life throws a person a few curve balls and knocks them ... | ||
| Poor? | 5/5/2009 | Gina Boykin |
| Q: If you live on welfare and medicaid,does that mean that you are poor but you don't live under poor ... A: In my personal opinion, being poor is the relationship between what you have and what you need to ... | ||
| Poor? | 5/5/2009 | Chris G. |
| Q: If you live on welfare and medicaid,does that mean that you are poor but you don't live under poor ... A: Poor is more of a state of mind. If you don't have much money, then you are probably broke, but I ... | ||
| Would I really be saving money? | 5/4/2009 | Jaynee Sasso |
| Q: You may be getting lots of questions right now with the financial crisis. I actually have an ... A: There are a few things to keep in mind about the refinance option: 1. Your home may have dropped in ... | ||
| Would I really be saving money? | 5/4/2009 | Kindred Beisinger penname K D Elizabeth Beisinger |
| Q: You may be getting lots of questions right now with the financial crisis. I actually have an ... A: Unfortunately, people who take care of their business and have not over extended are not going to be ... | ||
| Would I really be saving money? | 5/4/2009 | Chris G. |
| Q: You may be getting lots of questions right now with the financial crisis. I actually have an ... A: Generally, you would save money on the refinance if you can get a rate that is at least 1 percent ... | ||
| Re: Drowning with debt | 4/25/2009 | Chris G. |
| Q: I hope you can give me practical solutions to my debt problem. I am married and in my 30's, renting ... A: I would stop IRA contributions and focus on the debt. If you already have money in an IRA, don't ... | ||
| warrent in debt | 4/25/2009 | Gina Boykin |
| Q: I recently received a warrant for $4500+ from what I know the account started at $3000 the rest is ... A: I don't think I can give you the odds, but it is always better to try and settle out of court to ... | ||
| Re: Drowning with debt | 4/24/2009 | Chris G. |
| Q: I hope you can give me practical solutions to my debt problem. I am married and in my 30's, renting ... A: The two of you certainly do have a lot on your plate. I would definitely recommend that your husband ... | ||
| Re: Drowning with debt | 4/24/2009 | Chris G. |
| Q: I hope you can give me practical solutions to my debt problem. I am married and in my 30's, renting ... A: I have a few more questions that I need to ask in order to clarify the current situation. If you ... | ||
| buying a motorcycle | 4/16/2009 | Kindred Beisinger penname K D Elizabeth Beisinger |
| Q: so first off, i have always wanted a motorcycle, every since i was a little kid. i am now 21. i have ... A: I think your feelings are quite normal. I remember how badly my hand shook when I signed the ... | ||
| buying a motorcycle | 4/16/2009 | Chris G. |
| Q: so first off, i have always wanted a motorcycle, every since i was a little kid. i am now 21. i have ... A: Hey Mark, Thanks for the question. It would appear that you are experiencing a little thing called ... | ||
| Personal finances... need help | 4/7/2009 | Chris G. |
| Q: Well, Im 26 and work 2 jobs. I make about $2200 p/month and I cant seem to manage my money AT ALL. I ... A: Hey Rebecca, Thanks for the email. It sounds like times are rough in your world but don't worry ... | ||
| Overall finance | 4/7/2009 | Chris G. |
| Q: I have a rather complicated situation. My credit score at present is around 500. I have a lot of ... A: Hey Melissa, Thanks for the question. I'm not sure that I will be able to answer everything that is ... | ||
| investments | 4/3/2009 | Kindred Beisinger penname K D Elizabeth Beisinger |
| Q: I am interested in buying a piece of property with a waterfront, but it is in a low-income ... A: I have given serious consideration to your question. I really think this double lot in town is a ... | ||
| investments | 4/3/2009 | Kindred Beisinger penname K D Elizabeth Beisinger |
| Q: I am interested in buying a piece of property with a waterfront, but it is in a low-income ... A: I think land is a good investment, but land in the city limits may be a bit of a risk, only because ... | ||
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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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