About Experts Sitemap - Group 33 - Page 32 2015-01-20

Living on a Budget, Saving Money: Commission and Budgeting, congratulations on your new job, steady paycheck
congratulations on your new job, steady paycheck, part time job: HI Misty, great question. Congratulations on your new job and a nice commission. Here are some things to think about: 1. Is your employer taking taxes out? If not, you definitely need to take it right off the top and set it aside. Carelessness about taxes...

Living on a Budget, Saving Money: Consolidation of Student Loan, federal stafford loans, loan question
federal stafford loans, loan question, consolidated loan: Hi Larry, I m not an expert in the are of student loans. I would contact your lenders or use the calculator at: http://finaid.org/calculators/loanpayments.phtml. Best wishes Cindy Morus - MoneySmartWoman (TM) Save Thousands! Get your Free Reports!...

Living on a Budget, Saving Money: Cost of printing on line book, economical printers, convenience factor
economical printers, convenience factor, unpublished book: I would think that you could calculate the cost to read it ebtirely on the monitor by multiplying the number of hours it would take to read it that way by the average wattage per hour used. For example, a CRT monitor on average (awake and in use time) uses...

Living on a Budget, Saving Money: Cost of starting a family, second hand baby items, outright donations
second hand baby items, outright donations, cloth diapers: Hi Caro, No, you are definitely not mad!! Having a baby does not have to cost all that much if medical expenses are already covered. The biggest expense is the loss of income if you are working before but not after the baby arrives. You can very easily...

Living on a Budget, Saving Money: CREDIT CARD DEBT, roth ira account, loan interest rate
roth ira account, loan interest rate, credit card calculators: Hi James, there are a couple of things to consider here as you make a decision about whether or not to borrow against your 401(k) to pay off credit card debt... 1. If you take $20,000 out of your 401(k) it will not grow for you during the time you are paying...

Living on a Budget, Saving Money: Credit balance management, short term loan, interest card
short term loan, interest card, convienence: 3.9 works better then 0% if you cannot pay the loan off or transfer it to another low interest card by nov 05 if you can pay the loan off or you can get another card to flip the balance to in nov 05 at say 4-6% then use the 0% short term loan if...

Living on a Budget, Saving Money: Credit Card Counselling, competitive services, academic purposes
competitive services, academic purposes, irma: I can probably help you. I had been in debt for almost 20 years when I decided to become a debt consultant to help others get out of debt. I now have a successful practice, I have associations with several companies that provide non-competitive services...

Living on a Budget, Saving Money: Credit Card Debt, visa platinum card, minimum payment amount
visa platinum card, minimum payment amount, highest interest rate: Hi, Ben. Thank you for your question. First, let s consider your interest rates. Call your credit card companies and ask them if they would be willing to lower your rates. Some companies may be willing to do this based on your stellar payment history...

Living on a Budget, Saving Money: Credit Card Debt Repayment Options, credit card debts, fixed rate credit card
credit card debts, fixed rate credit card, online calculator: Brian & Ann: Sorry for the delay. It sounds like you two have been smart cookies so far and have managed your money well. I assume that the credit card debt is leftover from the college years. My suggestion is to get the lowest permanent fixed rate credit...

Living on a Budget, Saving Money: Credit Card Debt and a Student Loan, credit card debt, relocation expenses
credit card debt, relocation expenses, filing for bankruptcy: If it were me, I would keep my current lifestyle when starting the new job and pay off the debt as soon as possible with my salary. I would keep the savings for buying a home or for relocation expenses or emergencies. Just because you will earn $115k a...

Living on a Budget, Saving Money: Credit Card Debt, consolidating credit card debt, credit card debt
consolidating credit card debt, credit card debt, home equity loan: Hi Thomas, that s a great question. The problem with consolidating credit card debt onto your house is that you are converting unsecured debt into secured debt and it s secured with your HOUSE! What does that all mean? Well, if you can t pay your mortgage,...

Living on a Budget, Saving Money: Credit Card debt reduction - the right way, interest rate reductions, credit card debt reduction
interest rate reductions, credit card debt reduction, credit card interest rates: Hi Sue, congratulations on really tackling the debt. Yes, the snowball method is the best way to get your debt paid off. Basically, you will be tackling the highest interest debt first. List all your debts, balances, interest rates, and current minimum...

Living on a Budget, Saving Money: Credit Card debt vs Mortgage and Home Equity Debt, home equity loan, credit card debt
home equity loan, credit card debt, credit card interest: most credit cards are simple interest all you have to do to verify that is look at the minimum payment if its twice what the interest charge is for that month then its simple interest as for why your loan amount on the cards does not seem to be...

Living on a Budget, Saving Money: Credit Card Information, fleet bank boston, chase manhatten
fleet bank boston, chase manhatten, worthy advice: step one contact fleet bank boston they saved me 4 points on my equityline step 2 you need at least 5 credit cards requirements are no annual fee and pay a cashback bonus chase manhatten perfectcard mastercard and discover are my prefered...

Living on a Budget, Saving Money: Credit Card Loans vs Other Loans, credit card loans, calculating interest
credit card loans, calculating interest, credit card loan: credit cards use add on interest some car loans do this also and some do simple interest you need to ask the loan rep add on interest means they charge interest on the interest example you have a 1000 buck loan at 12% per year for simple...

Living on a Budget, Saving Money: Credit Card Payments, credit card payments, charlie charlie
credit card payments, charlie charlie, settlement company: Charlie, Your credit card companies will most likely not give you a discount for offering to pay them off. Unless you explain you employment situation and since you haven t paid them in 2 months they might want to settle for less. It really depends what...

Living on a Budget, Saving Money: Credit Card Payments, federal tax purposes, phelps creek
federal tax purposes, phelps creek, cindy cindy: Hi Charlie, you ve got some big questions going on here. I highly recommend you start by talking to a bankruptcy attorney. You will really want to know what your options are for protecting your house. As for discounts on paying off the credit cards. Most...

Living on a Budget, Saving Money: Credit Card Payments, credit card payments, money in the bank
credit card payments, money in the bank, principal payments: if you try to pay less then you actually owe to clear an account you will get a negative credit action plus a possible judgement action ie you can kiss any single digit interest rates goobye for 7-10 years i would add the total payments of the...

Living on a Budget, Saving Money: Credit Card question, credit card question, minimum payments
credit card question, minimum payments, grace period: Great question, Mike! You re right that there are a lot of different choices and remember, the creditor is only interested in their bottom line, not yours! I recommend that you look at http://www.cardtrack.com/ whose mission in life is to review credit...

Living on a Budget, Saving Money: Credit Card question, chase manhatten bank, credit card question
chase manhatten bank, credit card question, household bank: my rules are simple no annual fee balance transfers available and cashback bonus is mandatory my prefered cards are chase manhatten bank and discover an easy way to get a card is go to best buy and buy a laptop using their 0 % financing...

Living on a Budget, Saving Money: Credit Card Troubles, credit card bills, credit card payments
credit card bills, credit card payments, home equity loan: HI Wendy, I feel your pain. I ve been there, and so have most of my clients. I m glad that both you and your son are fine. There s no quick fix to your problems. You need a change in both your thinking, and your behavior. And you probably need some significant...

Living on a Budget, Saving Money: Credit Cards, retail credit cards, money interest
retail credit cards, money interest, applying for a credit card: Your credit score is determined by a few things. I ll go through them here... 30% of your score is related to your payment history. If you get an apartment and the lease is in your name, the lender may submit this information to the credit bureaus and...

Living on a Budget, Saving Money: Credit Cards, balance method, billing method
balance method, billing method, discover card: the 2-cycles only start to apply once you have a month where you don t pay the balance in full. for example, if you pay your balance in full in month 1 and have a balance in month 2, the card should only use the current month (month 2) to calculate interest....

Living on a Budget, Saving Money: Credit Cards, war iraq, local newspapers
war iraq, local newspapers, haliburton: all i can say is keep all the good credit cards you can credit is always a good thing and empty cards cost you nothing to hold onto as for your work i suggest you contact realtors and show your architech credentials and state you can do home inspections...

Living on a Budget, Saving Money: Credit card, chase manhatten bank, good luck good luck
chase manhatten bank, good luck good luck, mastercard account: yes it will adversely affect your credit and they dont care either way they set up their system to shaft the common man right down to getting the law changed with bushpunks help so they can charge shylock interest rates of 30% when you are...

Living on a Budget, Saving Money: Credit card or debt consolidation, home equity loans, carla smith
home equity loans, carla smith, credit card debt: you are doing exactly what i do till i get a life of the loan offer that is 3.9 or better then i transfer all my debt to it as its easier i cant see how the payment on a 14k balance is hard heck all my 15k balances with 1.9-4.9 interest rates ...

Living on a Budget, Saving Money: Credit card debt, credit counseling service, consumer credit counseling
credit counseling service, consumer credit counseling, paycheck to paycheck: Gary: Self help can be found on my website at http://members.aol.com/moneymstr/index.htm There you will find a free budgeting course. That is where you start so you can see what areas you can maybe cut back in in order to even out your budget. I m not...

Living on a Budget, Saving Money: Credit card vs home equity loan, home equity loan, chase credit card
home equity loan, chase credit card, first trust: i dont see an advantage in not paying off the home equity loan as soon as possible its 12k and unless its being combined with a first trust deed to give you a sch a tax deduction 234 is about 2500 in tax deduction the standard deduction is almost...

Living on a Budget, Saving Money: Credit cards, chase bank, account thanks
chase bank, account thanks, thanks in advance: 1) closeing any account will help your credit because credit card companies do not like people having over 10 accounts 2) trying to reopen an account after you have closed it with the same company will be hard, if you have multiple accounts because credit...

Living on a Budget, Saving Money: Credit cards, chase bank, account thanks
chase bank, account thanks, morus: Hi Rick, the main thing to be aware of here is your credit history which includes the length of time you have had credit. Therefore, I recommend that you not close your oldest cards because if you do, you will have a shorter credit history. Shouldn t...

Living on a Budget, Saving Money: Credit cards, chase bank, account thanks
chase bank, account thanks, thanks in advance: Yes, closing credit cards can hurt your credit by lowering your score. Part of scoring is the ratio of debt you are paying on compared to the credit limits allowed to you. The ideal is 20-30% I believe, so as long as you keep in that range, you should be okay....

Living on a Budget, Saving Money: Credit/debt management/savings, debt consolidation programs, money market accounts
debt consolidation programs, money market accounts, retirement savings plan: Hello Jen, There is no really quick solution to fixing credit issues. What you can and should do is to make sure that you have contacted every creditor to establish a payment plan to get out of debt. Make sure that you pay off your debts according to...

Living on a Budget, Saving Money: Credit Rating, debt to income ratio, maxed out
debt to income ratio, maxed out, 0 apr: I believe it would be too late to close it without it going on your credit history. You could close it and they would say that you closed it but it would show on your credit report. It would be unrated which for future lenders makes them wonder what the...

Living on a Budget, Saving Money: Credit Report Monitors, better business bureau, college cards
better business bureau, college cards, free credit report: you realize you are entitled to a free credit report as a result of being denied credit as for those services they are like auto mechanics to me they all do about the same thing the better business bureau is your best source for info on each service...

Living on a Budget, Saving Money: Credit Score, due dilligence, navy fcu
due dilligence, navy fcu, pocession: anything that you do to force a creditor to accept payments on your terms will hurt your score somewhat its my belief that you never get rid of credit thats why i have 10 cards yes having multiple cards and high credit lines will hurt slightly ...

Living on a Budget, Saving Money: Credit Score & Changing Credit Cards, conoco phillips, cards greetings
conoco phillips, cards greetings, current cards: Hi Jesse, great question and congratulations on your excellent credit scrores. Your length of credit history is 35% of your score so you are right to be concerned about it. I would apply for the new card then close the Conoco Phillips one because gas cards...

Living on a Budget, Saving Money: Credit Score, federal fair credit reporting act, upfront money
federal fair credit reporting act, upfront money, point scores: Dear Darryl, I understand your concerns about your credit rating. First of all, regardless of what you have heard from the credit bureaus, credit reports are NOT written in stone. Many items you thought would stay on a credit report for seven to...

Living on a Budget, Saving Money: Credit Situation, socail security, moneysmart
socail security, moneysmart, fraud alert: Hi Krystin, my sympathies are with you because you are a victim here and at the hand of your own father. You are entitled to one free report from each of the credit reporting agencies each year. Go to: https://www.annualcreditreport.com/. I would also...

Living on a Budget, Saving Money: Credit score?, jacoby and meyers, return receipt
jacoby and meyers, return receipt, credit period: first i am not an atty but what i would do is based on my past experience write esperian and inform them that you are aware of the fair credit laws and the fact that they have 30 working days to review and update and send you a copy of your updated credit...

Living on a Budget, Saving Money: Credit, frank jimenez, credit card interest rates
frank jimenez, credit card interest rates, living within your means: Hi Frank, congratulations on your upcoming graduation and marriage. This is an excellent time to be getting your financial life in order. How old are the debts? If you haven t made payments in 7 years, they will drop off your credit report. Here s where...

Living on a Budget, Saving Money: How to calculate what a person really makes, phelps creek, cindy cindy
phelps creek, cindy cindy, richest women: Hi there, You ve got a boatload of questions here and I recommend you find a good accountant to help you. There are way too many factors to be answered quickly. Best of luck to you. Cindy ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Cindy S. Morus (cmorus@phelps-creek.com)...

Living on a Budget, Saving Money: How to calculate what a person really makes, personal exemption, member family
personal exemption, member family, yearly income: based on only a standard deduction and personal exemption for a 4 member family based on 2003 rates fica costs you about 14% 100 - 14 is 86k married filing jointly is approx a 10k deduction 86k-10k is 76k presonal exemption is 3k so 4...

Living on a Budget, Saving Money: how to cancel credit card account, free credit reports, moneysmart
free credit reports, moneysmart, www annualcreditreport com: Hi James, you re right, your girlfriend doesn t have to pay a fee -- there are lots of good cards out there which don t charge a fee. You can find those at http://www.cardratings.com. She can also call the credit card company and see if they ll waive the...

Living on a Budget, Saving Money: canceling credit cards, canceling credit cards, better business bureau
canceling credit cards, better business bureau, crapital one: did you get the persons name operator id and location after 2 minutes if i dont get my required action by a rep i ask for a supervisor did you do that i would call one more time and get this info and demand that a letter be sent to me...

Living on a Budget, Saving Money: card withdrawals abroad, atm withdrawals, travellers cheques
atm withdrawals, travellers cheques, bofa: Hi Alison, Citibank offers no-fee ATM withdrawals at Citi ATMs worldwide (subject to 1% forex fee) which now include 5,000 ATMs at 7/11 stores. BankofAmerica s no-fee ATM partners in UK, France and Germany can be used to supplement CitiBank when needed (assuming...

Living on a Budget, Saving Money: career with money, not sure what., dental field, checkbooks
dental field, checkbooks, financial planner: An accountant can tell people how to balance their checkbooks but not much else. A financial planner can tell someone what to invest in and how much to invest. A financial advisor is a mix between the two. Some could argue that and advisor is the same as a...

Living on a Budget, Saving Money: carpet pet stains, laundry detergent, pet stains
laundry detergent, pet stains, water work: Brigid, Apparently this is an older stain, so what you should do is combine 2 tablesppons detergent, 3 tablespoons vinegar, and 1 quart of warm water. Work into the stain with a brush and blot it well. If the entire carpet is ruined, rent a carpet cleaner...

Living on a Budget, Saving Money: closing credit cards, credit repair scams, fico score
credit repair scams, fico score, budget guide: Hi Rosemary, Wow, I feel your pain. I ve been there, and so have most of my clients. There s no quick fix to your problems. There are a number of things that you will need to do and I would need to get a clearer picture of your financial situation before...

Living on a Budget, Saving Money: collection agency, debt collection practices, fair debt collection practices
debt collection practices, fair debt collection practices, fair debt collection: I heard once on a radio show about finances that you know a collector is lying if his mouth is moving ! It is actually against the law for a collector to threaten you in any way, and he knows this. Collectors play on your emotions to scare you into paying...

Living on a Budget, Saving Money: college grad, magna cum laude, envelope method
magna cum laude, envelope method, budgeting system: Kim: Well, now is definitely the best time to start your financial well being. Most people screw up royally in te beginning and have to do things the right way several years later. Better to start off doing things the right way. I have a completely free...

Living on a Budget, Saving Money: cr.card payoff, cindy cindy, bp oil
cindy cindy, bp oil, credit card interest rates: Hi Bill, with just 2 major credit cards, you can keep those open, especially the 22 year old one because one of the big factors in a good credit score is a long credit history. If the card is still in both your names, though, call them and tell them that you...

Living on a Budget, Saving Money: creating a budget..., phelps creek, cindy cindy
phelps creek, cindy cindy, worst case scenario: Hi Todd, that s a great question. Most people on straight commission spend the money when it s good and starve when there isn t much coming in. A better way to do this (not necessarily the easiest!) is to plan on the lowest, most likely income and the highest...

Living on a Budget, Saving Money: credit, raising your fico score, cindy cindy
raising your fico score, cindy cindy, credit card balances: Hi Laura, thanks for following up. The very best strategy for raising your FICO score is to pay your bills on time every single month. That counts for 35% of your score. Then make sure all entries are correct in your report. Next make sure your credit...

Living on a Budget, Saving Money: credit, free municipal bonds, tax free municipal bonds
free municipal bonds, tax free municipal bonds, high interest rates: if it does affect your score it wont be much doing transfers like you are describing has never hurt me but then i push the envelope and have over 10 visa and master accounts what they will do is get pissed because having multiple accounts does...

Living on a Budget, Saving Money: credit and banking options, lighting business, unemployment benefits
lighting business, unemployment benefits, loan balance: Thank you for contacting me. I hope I can offer some ideas. Please know that I work a lot with people starting their own businesses so I can offer a lot in that way. However, I am not a financial planner, so any advice regarding that is experience is personal...

Living on a Budget, Saving Money: credit card account canceal or decrease, ge creditline, better business bureau
ge creditline, better business bureau, balance statement: since i live in america i know american law not your countries law if this were america i would immediately file a better business bureau complaint to put their actions up to public awareness i would demand from a supervisor the written...

Living on a Budget, Saving Money: credit card application, chase manhatten bank, credit card application
chase manhatten bank, credit card application, free credit report: ok if he is in college he should apply for the college program credit cards but if it was this card that he was turned down for then i suggest you get the free credit report that he is now entitled to and check to see if his credit has any mars...

Living on a Budget, Saving Money: credit card cancelation, trw report, quality cards
trw report, quality cards, best solution: personally if i want to be rid of a credit card company i call them and cancel it and demand that they put on the trw report card/account canceled at cardholder/accountholder request this procedure has not ever hurt me bad enough to worry about ...

Living on a Budget, Saving Money: credit card convenience checks, credit card issuers, credit card convenience
credit card issuers, credit card convenience, convenience checks: Hi John, excellent question. I can t tell you what to do without knowing more info, but I can ask some questions that might get you thinking more broadly and lead to the answer that is best for your situation. First, what will you be using the $10,000 -...

Living on a Budget, Saving Money: Getting a credit card with "no credit", credit cards number, household bank
credit cards number, household bank, todd ok: ok here is the only time i will recomend using houshold bank this is your procedure you go to best buy you apply for their 0 percent financing for a year on purchases over 299 you buy a laptop for under 1k household bank underwrites this best...

Living on a Budget, Saving Money: credit card debt, phelps creek, kitchens and bathrooms
phelps creek, kitchens and bathrooms, credit card bills: Hi Teresa, Wow! Your in-laws are very generous and I can see what a spot this puts you in. First, how will they feel if you use the money to pay off your debts rather than for a down payment? It would be important to get that cleared up first. Next,...

Living on a Budget, Saving Money: credit card debt, home buyer program, first time home buyer program
home buyer program, first time home buyer program, credit card bills: Yes, as long as you actually DO that. You can have all the good intentions in the world but DOING what you say you want to do requires due diligence on your part. No matter what, I think paying off the credit card debt is essential. The interest on those...

Living on a Budget, Saving Money: credit card debt, visa debit card, free credit report once a year
visa debit card, free credit report once a year, free credit report: Hello Geet, I think you cannot lose by switching. How to really make a difference to your wallet is to pretend you still have a 12.9% credit card and pay the minimum amount You will start to see a difference in the total amount you owe. You have not made...

Living on a Budget, Saving Money: credit card debt, public voucher, home equity line
public voucher, home equity line, hs education: are you sending your son to private school i dont understand high school costing tuition and i am dead against public voucher support of private schools but no more politics but anyway as far as the court case goes i cant help there as far...

Living on a Budget, Saving Money: credit card debt, home equity loan, interest rate reduction
home equity loan, interest rate reduction, credit card debt: Hi Chris, thanks for your question. I would first call all your creditors and ask for an interest rate reduction. I ve written an e-book on that -- you can get a free copy at: http://www.cindymorus.com. (And watch for 2 new ones I m just about to release)....

Living on a Budget, Saving Money: credit card debt, crapital one, money market account
crapital one, money market account, credit card debt: ok i will assume you have at least 500 available credit on each card still since you did not tell me your available credit as this is just as important as knowing your weekly income so if you have 500 avail on each card and you make 300 a week...

Living on a Budget, Saving Money: credit card debt help!, platinum visa, credit card debt
platinum visa, credit card debt, chase cards: discover has a free transfer and most chase cards do also i have never had my credit score reduced by doing balance transfers that i noticed i dont worry about 30-50 points as i will get them back with current payments for a years time as...

Living on a Budget, Saving Money: credit card debt, income tax money, credit reporting agency
income tax money, credit reporting agency, credit card debt: Hi Emily, congratulations for wanting to clear up this old debt. You ll feel a lot better when it s behind you. First of all, call the creditors and tell them what you would be willing to do to settle the debts. Understand that they will want as much as...

Living on a Budget, Saving Money: credit card information, canceling credit cards, american express card
canceling credit cards, american express card, best cards: Every time you open a new card, you affect your credit score. Part of your score is based on new credit . That part goes down every time you get a new card. Closing your card affects the length of credit history part of your score. If you ve had the...

Living on a Budget, Saving Money: credit card interest reduction, drastic career change, debt management plan
drastic career change, debt management plan, debt to income ratio: The first thing that pops in my head is that you should look at your credit reports. It doesn t sound like you ve done that in a while. And, even though your score isn t bad, it may still be hindered by errors on the reports. That isn t unusual, especially...

Living on a Budget, Saving Money: credit card management, credit card management, car loan rates
credit card management, car loan rates, preferred car: yes having multiple accounts will lower your credit score the reason is that it gives you the power to negociate rates to your preferance that irritates banks but that has not stopped me from getting a major homeloan or a refi or preferred car...

Living on a Budget, Saving Money: credit card pay0ff-now what?, fico score, credit education
fico score, credit education, emergency fund: I ve actually heard the experts go both ways on this. Some suggest to keep them open to retain your score, and others say to close them to keep the temptation away. It depends on this - do you have a sufficient emergency fund? If you have enough set aside...

Living on a Budget, Saving Money: credit card payoff, income tax refund, retirement contributions
income tax refund, retirement contributions, credit card payoff: HI Cindy, good questions. You have a couple of options. I often recommend that people divide large windfall checks into thirds -- 1/3 to the past, 1/3 to the present and 1/3 to the future. So, you could send 1/3 to your debts (past), 1/3 to take...

Living on a Budget, Saving Money: credit cards, hood river oregon, cindy cindy
hood river oregon, cindy cindy, phelps creek: Hi, what an exciting trip! If you have a savings account, I would approach that bank and find out what they have to offer. They might be able to give you a low limit card or one that is backed up by savings if you don t have much credit. Online, Bankrate.com...

Living on a Budget, Saving Money: credit cards, hood river oregon, cindy cindy
hood river oregon, cindy cindy, phelps creek: HI Kittie, the formula for calculting FICO scores is proprietary to each credit bureau. That means it s private and that we don t know all the factors or the weight of the factor they use in calculating the score. I d concentrate on getting them paid off and...

Living on a Budget, Saving Money: credit cards, interest card, interest balance
interest card, interest balance, card 1: i will always pay off the highest interest card first unless i can use the same money two times by paying off the lowest balance card example card1 a high interest card with a balance at say 5k at 21% card 2 is the lowest balance card it has...

Living on a Budget, Saving Money: credit cards, cash advance fee, credit card purchases
cash advance fee, credit card purchases, cardmember agreement: my recomendation is to use the 6.9 life of the loan balance transfer option the short term 0% at 3.9 options are a waste of time unless you can afford to pay the entire principal balance off by the experation. if the answer to that question is no,...

Living on a Budget, Saving Money: credit cards, mail return receipt, return reciept
mail return receipt, return reciept, free credit report: i ll tell you what i will make up a website and charge you 29 thats all i need to do to make his claim heck he was probably a cust service phone rep or better still i will tell you for free how to fix your credit 1 you apply for a credit card...

Living on a Budget, Saving Money: credit cards, cindy cindy, cost calculators
cindy cindy, cost calculators, math formula: Hi Gary, you re right. This is too complicated a math formula, especially since each credit card company can calculate payments differently. Call your creditor and see if they can help you figure it out. You might also want to subscribe to my Credit Card...

Living on a Budget, Saving Money: credit cards, intrest, balance transfer
intrest, balance transfer, new deal: The better deal is the 3.9% unless you plan to pay this debt off within the next year to two years. If that s the case, then keep the current deal and pay down as much as possible before the rate goes up. If you plan to carry the balance for a while, then...

Living on a Budget, Saving Money: credit in general, credit card visa, credit score
credit card visa, credit score, bank of america: a credit score of 690 to 750 is great 850 is the max you can get if you get a credit card visa or master and charge your bills that you pay in cash now and they pay the credit card off in full before its due date using that cash you banked...

Living on a Budget, Saving Money: credit question, credit question, timely payments
credit question, timely payments, fico score: Whenever you apply for new credit, it temporarily lowers your credit score. Your car loan is already new credit, and your credit cards would be new credit, so both would temporarily lower your score. However, if you re point is to build credit, there is...

Living on a Budget, Saving Money: credit repair agency, secured visa, bank of america
secured visa, bank of america, credit repair company: I have not found one I suggest you get a secured visa from bank of america or discover and pay the bills you would pay with cash with the credit card the will start to improve your score as you will inccur a debt and pay it off in full every...

Living on a Budget, Saving Money: credit report question..., better business bureau, faith actions
better business bureau, faith actions, public scrutiny: multiple unused accounts can reduce your credit score but i dont cancel them i convert them to cashback cards and pay my monthly reoccuring bills with them and leave my cash in the bank when the bill comes i pay it in full before the due date...

Living on a Budget, Saving Money: credit, hood river oregon, e book free
hood river oregon, e book free, cindy cindy: Hi Marc, the sites are secure and since you have chosen to go to the site, it would be OK to enter your info. There may also be a call-in option but most people are just doing it on-line. Cindy ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Cindy Morus, The MoneySmart...

Living on a Budget, Saving Money: Debt, consuming passions, compulsive shoppers
consuming passions, compulsive shoppers, msn ca: The best resource I know for that is Debtor s Anonymous. Here are some articles and links on it and other relevant issues: http://www.debtorsanonymous.org/ http://www.hazelden.org/servlet/hazelden/cms/ptt/hazl_alive_and_free.html?sf=t&sh=t&page_id=25362...

Living on a Budget, Saving Money: Debt, credit counselor, credit card debt
credit counselor, credit card debt, professional credit: Well, my suggestion is that you get a professional credit counselor to help you understand in more detail where you stand financially. Don t see someone over the phone. You need a face to face appointment. You can find an accredited counselor at nfcc.org....

Living on a Budget, Saving Money: Debt, free municipal bonds, tax free municipal bonds
free municipal bonds, tax free municipal bonds, income tax bracket: all i can say is why have you not tried to buy out your co-owners this would end a lot of your headaches you and your husbands 100k income would cover this easily as for your credit cards I would pay 3 times the payment on the most expensive...

Living on a Budget, Saving Money: Debt Collection, questionairre, debt collection
questionairre, debt collection, suspicions: I m not sure what state you are in but I don t think it matters. You are under no obligation to fill tjhat questionairre out and I wouldn t fill it out myself so neither should you. Your suspicions are probably correct. Or, they could use it to decide what...

Living on a Budget, Saving Money: Debt Consolidation, chase manhatten, debt consolidator
chase manhatten, debt consolidator, card issuers: ok when i ask a creditor to reduce my interest rate i rely on my past payment history and point out my long term relationships with discover thats 20 years with bank of america its almost 10 then i ask if they will use the 1 time courtesy correction...

Living on a Budget, Saving Money: Debt consolidation/management, consumer credit counselor, debt consolidation management
consumer credit counselor, debt consolidation management, credit report score: Hi Christian, I feel your pain and have been there, too. I d recommend you talk to a non-profit consumer credit counselor or a bankruptcy attorney to explore your options. I don t recommend taking out money from your 401(k) or your house because you ll...

Living on a Budget, Saving Money: Debt consolidation, interest rate reduction, credit card debt
interest rate reduction, credit card debt, unsecured debts: Dear Gina, thanks for asking your question, I have been out of the office the last 10 days, that is why it took some time to reply. I understand you owe $10,000 from several credit cards, what are your interest rates on these accounts? The reason I ask...

Living on a Budget, Saving Money: Debt problem, hood river oregon, cindy cindy
hood river oregon, cindy cindy, phelps creek: Hi Marcia, I m guessing you re feeling pretty overwhelmed and frustrated, right? The first thing you have to do is stop using the credit cards and live within your means. Secondly, call the credit card companies and see if they ll lower your interest...

Living on a Budget, Saving Money: Debt question, credit counseling service, better business bureau
credit counseling service, better business bureau, debt question: Hi Peter, you have lots of questions here. Let me see if I can break them out. 1. Collection agency -- have you made certain that the credit counseling service is actually paying the collection agency and paying on time? If so, you might contact the...

Living on a Budget, Saving Money: Debt Reduction, phelps creek, mininum
phelps creek, mininum, collapse 2: Hi Judy, one of the most important questions to ask is will this really pay off the $25,000 in 3 years? I used the calculator at http://www.bankrate.com/brm/calc/creditcardpay.asp to play with your numbers. You didn t mention what interest rates you would...

Living on a Budget, Saving Money: Debt Reduction, highest interest rate, math calculations
highest interest rate, math calculations, rule of thumb: Aaron: Well, since you are comfortable with math......that is really the only way to appraoch this is to figure out each scenario and do the math calculations to see which would end up being the cheapest way in terms of finance charges. 1. Highest interest...

Living on a Budget, Saving Money: Debt Reduction, cindy cindy, highest interest rate
cindy cindy, highest interest rate, rule of thumb: Hi Aaron, I hope I m understanding your question so if my answer isn t what you expect, please try again. I think you re asking me how payment dates effect your payment. Is that correct? It is true that the earlier in the billing cycle you pay the bill,...

Living on a Budget, Saving Money: Debt Reduction and Savings, downpayment, living expenses
downpayment, living expenses, snowball: Dear Mike, Congratulations on your graduation. Priorities are the key in maintaining a manageable budget. If you are still living at home, then setting aside $1000.00 a month is no problem. For the first 5 months use it to eliminate the credit cards, then...

Living on a Budget, Saving Money: Debt Reduction, professional negotiator, financial distress
professional negotiator, financial distress, minimum payments: Sandy, One of the fastest ways to eliminate your debt is debt settlement, in which if you are in financial distress you can hire a professional negotiator to help you settle for an amount less than the debt claimed against you. The premise for this type...

Living on a Budget, Saving Money: Debt relief consolidation, debt consolidation companies, credit card debts
debt consolidation companies, credit card debts, debt consolidation company: Hello Daniel, I have heard many horror stories regarding debt consolidation companies, to and including their own corporate bankruptcies, while continuing to receive payments, of course. The best initial strategy regarding this debt situation is a change...

Living on a Budget, Saving Money: Debt relief consolidation, debt consolidation company, bankruptcy debt relief
debt consolidation company, bankruptcy debt relief, debt relief consolidation: The best 1st step for her to take is to cut up the credit cards to make sure she does not add to the debt. Next step - Create a budget. It is very difficult to improve your financial situation if you don t know where you stand right now. She also needs...

Living on a Budget, Saving Money: Debt relief consolidation, debt relief consolidation, chapter 13 bankruptcy
debt relief consolidation, chapter 13 bankruptcy, vet bill: Thank you for the question Dwayne, it sounds like your friend is definitely going through a tough time at the moment. I ll see if I can be of any assistance. To answer your first question, there is no way to lower those debts unless she is far behind on...

Living on a Budget, Saving Money: Debt relief, credit card debt, urgent surgery
credit card debt, urgent surgery, borrowing money: Dear April, I do not personally believe in going to doctors, so I can t address this issue very thoroughly, but I have done some checking. Ignoring them won t make them go away, and I never recommend borrowing money to get out of debt, but addressing the...

Living on a Budget, Saving Money: Debt repayment, home equity line, equity line of credit
home equity line, equity line of credit, eliminating debt: I would pay the $3000 off just because it is the smallest and pesky. Then, I would probably attack the car loan because I assume the interest is higher on that than the student loan. If the car interest can be written off as an expense for business, I would...

Living on a Budget, Saving Money: Debt and Savings, hey jordan, dave ramsey
hey jordan, dave ramsey, credit card payments: Hey Jordan, thanks for the question. I understand how tough it can be right out of college. First of all, i would recommend that you search for a job that you will love and will make a good bit of money doing. Maybe you re already there. If not, let the...

Living on a Budget, Saving Money: Debt, complete tightwad gazette, dollar stretcher
complete tightwad gazette, dollar stretcher, amy dacyczyn: Hi Will, I am very sorry to hear of your family s financial situation. There are many, many ways to help save money. There are 2 books that I think could help you a lot (they should both be available at your local library). The first is _Your Money or Your...

Living on a Budget, Saving Money: Debts payed on credit cards, score increase, mortgage refinancing
score increase, mortgage refinancing, credit card debt: Julanne, the only way to know is that you obtain your report regularly. The credit bureaus are not really looking after our credit reports so that our scores get improved. It is really up to each consumer to keep track of our scores and see what is reported....

Living on a Budget, Saving Money: Decision, debt negotiation company, retirement accounts
debt negotiation company, retirement accounts, retirement funds: Hi Connie, I can see that you are in a tough spot. I really discourage people from taking the money out of their retirement accounts because once it s gone, how will you live? What will the consequences be of taking the money out of your retirement...

Living on a Budget, Saving Money: Desk Clutter, desk clutter, file folders
desk clutter, file folders, business projects: Congratulations for taking steps to gain control over your papers. You are not alone. All of us struggle with papers each and every day. And it is hard to get caught up because they just keep coming. But I have some great ideas to help you get a handle....

Living on a Budget, Saving Money: $ DISASTER, financial disaster, part time job
financial disaster, part time job, debts: Dear Daria, I would be happy to help you work up a manageable budget. Avoiding financial disaster in the future is simply a matter of learning good saving and spending practices early, and making them a matter of consequences. If you would like my help,...

Living on a Budget, Saving Money: My dead wife's hospital bills, moneysmart, colecting
moneysmart, colecting, s hospital: Hi Harold, I m sorry to hear of your loss. This is really a question for an attorney to help you with. I recommend you seek one out immediately so that your credit doesn t get snarled up with all of this. Regards, Cindy Morus ~ MoneySmart Woman(TM)...

Living on a Budget, Saving Money: debit card, cindy cindy, issue debit cards
cindy cindy, issue debit cards, budget guide: Hi Stacey, I understand your frustration with the bank s rules. In a way, they are actually trying to protect you from additional overdrafts because they know that debit cards make it even easier to overdraw your account than just writing checks. It s also...

Living on a Budget, Saving Money: about debt, debt collector, moneygram
debt collector, moneygram, executor: Diane: You don t say how old or behind the debts are and that may make a difference. If you haven t paid paid them in a while, your chances of settling yourself are good. These companies like to get 70-80% on a debt settlement. However, if the debts...

Living on a Budget, Saving Money: how much debt is too much?, rental apartment, second job
rental apartment, second job, breathing room: Hi Debbie, I feel your pain. I ve been there, and so have most of my clients. There s no quick fix to your problems. You need a change in both your thinking, and your behavior. And you probably need some significant hand holding along the way to get out...

Living on a Budget, Saving Money: debt, credit card application, sneak peek
credit card application, sneak peek, 3 things: Hi Veronica, thanks for your question. I feel your pain. I ve been there, and so have most of my clients. There s no quick fix to your problems. You need a change in both your thinking, and your behavior. And you probably need some significant hand...

Living on a Budget, Saving Money: how to get out of debt, consumer credit counseling, cindy cindy
consumer credit counseling, cindy cindy, free teleclasses: Hi Gloria, my heart goes out to you. I recommend you contact a non-profit Consumer Credit Counseling agency in your area. They will be able to help you get a list of your creditors, balances, etc. and work with you to get your debts paid off. Please...

Living on a Budget, Saving Money: getting out of debt, home equity line, dave ramsey
home equity line, dave ramsey, equity line of credit: Dear Bob, I am familiar with Dave Ramsey and but only aware his teaching, all I know about his plan is: debt-free is a wonderful idea and absolutely do-able. I don t want to advise you against his teaching, and since I don t know the details of his program,...

Living on a Budget, Saving Money: debt, time committment, full time job
time committment, full time job, income generators: Hello Brian, I can t say that your plan sounds good to me. It doesn t really make sense to go into debt on your 401K to pay off other debts. You are just trading one type of debt for another. Additionally, your 401K is too important to maintain to use...

Living on a Budget, Saving Money: debt consolidation inquiry, credit card debt, private loans
credit card debt, private loans, cheap money: Yes Roman, consolidate at 4%. One more item, always pay these loans on time. After your education is finished and you are employed your credit history can be impacted quite a bit if you pay late. Many students have learned this lesson the hard way. Lenders...

Living on a Budget, Saving Money: debt consolidation services, debt consolidation services, debt reduction service
debt consolidation services, debt reduction service, debt to income ratio: Charles, when you have a high debt income ratio you basically have 6 debt management options 1- Make Minimum Payments, this will take you a long time to pay down your debts, and cost you Thousands of dollars, most people never pay them down. 2- Bankruptcy...

Living on a Budget, Saving Money: debt and credit card interest, mortgage loan officers, consumer credit counseling
mortgage loan officers, consumer credit counseling, high interest rates: Rosemary, let s first look at your credit situation and the high interest rates you now have. The credit bureaus will not make corrections in your report unless you request it, even if debts are paid off the negative comments are probably still there....

Living on a Budget, Saving Money: debt and extra money, ways to earn extra money, high interest rates
ways to earn extra money, high interest rates, extra money from home: first get 2 more credit cards if you can this will allow you to make use of the intro 0% offers attack the highest interest cards first try to negotiate with the credit card retention dept to get life of the loan balance transfers write down which...

Living on a Budget, Saving Money: debt and extra money, ways to earn extra money, high interest rates
ways to earn extra money, high interest rates, extra money from home: Hi Dina, good for you that you are asking these questions early. Let me take them one at a time. Even before looknig at which card to pay off first, you need to stop using the cards. If you find yourself paying more than the minimum at the beginning of...

Living on a Budget, Saving Money: debt help, national foundation for credit counseling, ramen noodles
national foundation for credit counseling, ramen noodles, credit card debt: You can go to www.nfcc.org which is the National Foundation for Credit Counseling and search for the location near you. There are a lot of so-called credit counseling agencies out there that advertise, but many of them are not much help (and some are scams)....

Living on a Budget, Saving Money: debt management, cindy cindy, credit card balances
cindy cindy, credit card balances, phelps creek: Hi Earl, I admire you for wanting to help your son and the first thing that needs to happen is that your son is the one asking for help rather than you. If he s big enough to get into debt and father children, he s big enough to ask for help. If he d...

Living on a Budget, Saving Money: debt management, money beliefs, intro classes
money beliefs, intro classes, seed corn: HI Nancy, the most important thing for you to do is to really sit down and get a clear picture of all of your debt including minimum payments, balances and interest rates. Next, determine what your true, after-tax income is and your total expenses including...

Living on a Budget, Saving Money: debt after we marry, high interest rates, medical debts
high interest rates, medical debts, credit card debt: When you marry, his credit card debt does not become yours. Once married, if you live in a community property state, any debt accumulated during the marriage would be equally shared in liability. In a non-community property state, as long as your name is...

Living on a Budget, Saving Money: which debt to pay off first, credit card debt, student loan debt
credit card debt, student loan debt, paying on time: Hi Steven, great question. I m not an expert on home mortgages so I would encourage you to go to a mortgage broker. They work with lots of lenders so they can give you the best information. However, I would encourage you to pay off the credit card debt...

Living on a Budget, Saving Money: debt payoff, home equity line, 401k loan
home equity line, 401k loan, home equity loan: Hi Liz, when you contribute to a 401(k), it reduces your taxes because the contribution comes out before taxes are calculated. So, if you earned $1000 per week and contributed $250, you would be paying taxes on $750, not $1,000. When you pay the loan back,...

Living on a Budget, Saving Money: debt priority, full time job, washington dc area
full time job, washington dc area, social disability: Credit reports are number fact based, not circumstance based so NO that does not come in to play. You could put a statement at the end of your report to tell your side but no one but a mortgage underwriting department will probably look at it. Computers do...

Living on a Budget, Saving Money: debt problem, speaking terms, debt problem
speaking terms, debt problem, credit reporting agencies: all you can do is write a letter to the lender he is dealing with and pray they will understand state you were not able to pay those payments even though he gave you the money for the payments and hope they will understand be sure to inform...

Living on a Budget, Saving Money: Getting out of debt question, debt reduction plan, financial guidance
debt reduction plan, financial guidance, moneysmart: Hi Theresa, congratulations to you and your husband for your debt reduction efforts. Do you itemize for tax purposes to just take the standard deduction ? (You can look at last year s tax return if you re not sure). Charitable contributions are only a...

Living on a Budget, Saving Money: debt question, debt question, speaking terms
debt question, speaking terms, mortgage broker: Hi Sienna, you are to be commended for wanting to take full responsibility for what you did. However, that s not possible in this case. The bad news is that the derogatory marks will stay on both credit reports for 7 years. The good news is that it is primarily...

Living on a Budget, Saving Money: debt reduction, interests rates, mths
interests rates, mths, first house: If it is going to be tight, it will just be a matter of a short time before something happens. Then, being tight will become being short and you will be forced to either up your income right away or cut more expenses than you already have. I would...

Living on a Budget, Saving Money: debt reduction and credit card management, credit card management, cindy cindy
credit card management, cindy cindy, letter to the president: Hi Jeane, sorry to take so long getting an answer to you. I don t know how you slipped through. You should have a phone number somewhere on your statement for contacting them. If that doesn t work, I recommend sending a letter to the president of the...

Living on a Budget, Saving Money: debt reduction, hanging over my head, car payment
hanging over my head, car payment, 24 years: Safety savings in today s economy is important. My vote is $200 to the safety savings and $200 to the credit card since the rate is low. Once your safety savings is built up, I would say to go back up to the $400 a month until paid off. That way, your worries...

Living on a Budget, Saving Money: debt repayment strategies, debt reduction, current interest rate, credit card debt
current interest rate, credit card debt, financial calculators: Pat: Treat the credit cards like loans. There are a ton of financial calculators online. Find a loan calculator and input the amount owed as the amount financed, your current interest rate, and the number of years/months you want to be debt free by and...

Living on a Budget, Saving Money: debt and saving, money market account, salary step
money market account, salary step, school part time: Your plan to go back to school could be a good or a bad thing right now. It depends on the factors. What will happen when you go back to school? Will you be a full time student, and work part time or go to school part time and work full time? What will grad...

Living on a Budget, Saving Money: debt & saving ?, getting out of debt, debts
getting out of debt, debts, habit: Dear Pat, I think both options are workable. The one thing I would encourage you to consider is the interest you are paying. Figure the interest on the debt, and what you would be saving by putting the entire $450.00 toward the debt. You still have $3000.00...

Living on a Budget, Saving Money: debt solution, settlement negotiation, credit card debt
settlement negotiation, credit card debt, steady job: Dear Joyce, if you feel you are really hurting, caused by your lost of income and having to use credit to survive, you might qualify for financial distress. For those individuals in financial distress because their circumstances have changed, a debt...

Living on a Budget, Saving Money: debt, chase manhatten card, household bank
chase manhatten card, household bank, vietnam vet: ok the only way i know to get a bank like providian to be human is to pay em off and cut up their card household bank has the same butthead attitude now to pay em off simply use your perfect credit to get 4 more credit cards you should be able...

Living on a Budget, Saving Money: How do I dig myself out of this debt?, dept of veteran affairs, debt consolidation company
dept of veteran affairs, debt consolidation company, usaa federal savings: Hi, Kat. Thank you for your question and courage to ask for assistance. I noticed you mentioned that you are a veteran. Please take a good look at the benefits offered to you as a veteran for healthcare and for that whopping car payment. You may want...

Living on a Budget, Saving Money: the dollar, canadian money, al brown
canadian money, al brown, foreign countries: I believe it means that the worth of a dollar is less now than previous compared with other currencies. The U.S. dollar has been falling in value against the world s major currencies, making U.S. goods and services cheaper, and thus more saleable in foreign...

Living on a Budget, Saving Money: the dollar, money currency, rate of inflation
money currency, rate of inflation, al brown: HI Al, that s a very interesting question. You actually have 2 issues here: 1. the value of the dollar compared to other country s money (currency) 2. What your dollar will buy from one year to the next. When the new media talk about the...

Living on a Budget, Saving Money: economizing on electricity, lint filter, dry clothes
lint filter, dry clothes, hand towels: Reg: I couldn t really find much info about using low heat vs. high heat on dryers. I would say the quicker the dry time the better because overall, it would seem to use less energy just because the dry time would be less. Here s some other tips: 1....

Living on a Budget, Saving Money: entertainment., free music concerts, that fits your interests
free music concerts, that fits your interests, book signings: Hi Sean, There are plenty of things you can do for entertainment that are free or very inexpensive. If you are committed to saving some money, you might have to adjust your ideas about what is worthwhile to spend your money on. Eating at restaurants every...

Living on a Budget, Saving Money: how to estimate monthly tax benefit from owning a condo, cindy cindy, tax calculator
cindy cindy, tax calculator, tax benefit: Hi Diane, this is a question I recommend you direct to your tax preparer. You could also check the H&R Block site: http://www.hrblock.com/taxes/tools/index.html?WT.svl=2010 for a tax calculator. Or purchase a copy of Turbo Tax at http://www.turbotax.com...

Living on a Budget, Saving Money: Where to put extra earings, credit card debts, retirement calculators
credit card debts, retirement calculators, retirement savings: Hi Karen, great question. Whenever this sort of this comes along, I recommend dividing it into thirds -- 1/3 to the past (the old debt), 1/3 to the present (things you need right now) and 1/3 to the future (retirement). That would be approximately $100...

Living on a Budget, Saving Money: extra income, stuffing envelopes, allexperts
stuffing envelopes, allexperts, lots of money: Hi Gerry, I don t know a thing about this company. You need to do your homework if you have any interest in joining. Talk to people who have actually signed up to take surveys online, then talk some more. It used to be stuffing envelopes, the venue has just...

Living on a Budget, Saving Money: FDIC, bank fdic, fdic insurance
bank fdic, fdic insurance, business mentor: Hi, M. Thank you for your question. The FDIC issues a newsletter on a quarterly basis that you can look at throughout the year to receive updates to changes for the FDIC insurance. Please refer to http://www.fdic.gov/consumers/consumer/news/index.html...

Living on a Budget, Saving Money: Fiance's Debt, debt management plan, moneymanagement org
debt management plan, moneymanagement org, land leases: Collections - if there aren t too many, make payment arrangements of 10% of the balance. For example, a $100 collection would get $10 a month. Be consistent with the payments. If there are many many of them (not unusual for a small business owner), I would...

Living on a Budget, Saving Money: Finance charges, cindy cindy, grand total
cindy cindy, grand total, judgement: Hi Karl, here s your answer: 833.11 at 8% annual interest, paid at $50.00 per week, plus the $70.00 filing fee will take 19 weeks to pay off, with 18 equal payments of $50 and one final payment of $14.63. The payments would total $844.63 (including interest)...

Living on a Budget, Saving Money: Finances, investment game, fiance
investment game, fiance, personal finances: Hello and thank you for asking me your question. First of all, congrats to you on your success. I am proud of you and I don t even know you. You two sound to be very smart about money. If I might get personal for a moment, we also have this issue. My fiance...

Living on a Budget, Saving Money: Finances, cindy cindy, contingency funds
cindy cindy, contingency funds, budget guide: Hi Lise, you re in company with a lot of other people out there. Here are a couple of options. See if you can refinance the car that you are pretty even with. See if you can sell one or both cars yourself. If you take them to a dealer and roll any loan...

Living on a Budget, Saving Money: Financial cooperation & collaboration from spouse, free teleclasses, cindy cindy
free teleclasses, cindy cindy, hallmark cards: Hi Keith, you have quite a bit going on here -- more than I can answer here. I empathize with the frustration you are feeling at seeing $800 more go out than you d like. It s going to take some good communication and change by both of you to settle this one...

Living on a Budget, Saving Money: Financial Future and Family, personal preference, portland area
personal preference, portland area, having children: Adria: Sorry for the delay in answering you. I was away on business. This is really a personal preference for you. It s a what matters most in life type of decision and everyone is different. Many people wait to have kids into their 40 s so I don...

Living on a Budget, Saving Money: Financial Future of Family, financial flexibility, portland area
financial flexibility, portland area, difficult decision: Hi Adria, This is a really difficult decision to make - in the end you will have to listen to what your heart is telling you. If you are ready to start a family now, it may be wiser to go for the smaller home - this will give you more financial flexibility,...

Living on a Budget, Saving Money: Financial Indecision, high dividend stocks, student loan payments
high dividend stocks, student loan payments, insurance deductibles: Hi Todd, excellent questions and congratulations for thinking about these things so early in life. I wouldn t be so quick to make decisions about the $15,000. Here are some things to think about: Do you have a job already? If not, what will you be living...

Living on a Budget, Saving Money: Financial Independence, rich dad poor dad, hood river oregon
rich dad poor dad, hood river oregon, cindy cindy: Hi Mike, congratulations! Attitude and determination will mean a lot in getting to your goal! I can definitely help you show you how to achieve your goals but it will take more than an e-mail or two! You re right about the 2 (or more) schools of thought...

Living on a Budget, Saving Money: Financial Principles, rich dad poor dad, financial principles
rich dad poor dad, financial principles, excellent starting point: Hi Marietjie, That s a fairly complex question, one it s hard to do justice to in a short email. I m going to recommend you read the following books, which should be an excellent starting point for you to work from: _Your Money or Your Life_ by Vicki...

Living on a Budget, Saving Money: Financial planning for Dentistry School, cindy cindy, dentistry school
cindy cindy, dentistry school, post nup: Hi Nick, you ve set yourself an ambitious plan! Is your family totally behind the plan? If so, you ll all need to make sacrifices -- smaller house, less entertainment, selling 1 car, wife going to work -- all possibilities. If your family isn t with...

Living on a Budget, Saving Money: Financial question, store charge cards, financial question
store charge cards, financial question, open accounts: since you did not indicate how many of your open accounts are non visa mastercard type i will have to guess that is your problem ie get rid of the amex and the store charge cards except home depot never get rid of guaranteed 0% money in fact...

Living on a Budget, Saving Money: Financial question, interest rate reductions, cindy cindy
interest rate reductions, cindy cindy, insider tips: Hi Theresa, I m sorry to hear of your troubles and glad you are working so hard to get out of debt. The 0% offers are usually offered to people who have excellent credit so that is probably why you are having trouble. If you haven t looked at your credit...

Living on a Budget, Saving Money: Financial questions, retirement accounts, retirement savings
retirement accounts, retirement savings, finding jobs: Hello Sharon, The penalties would be relative to what type of plan and which financial institution(s) they are held at. You should check with the holders to determine what risk you take in loaning against the funds. This should be a last resort as although...

Living on a Budget, Saving Money: Financial strategy for a very tight family budget, paycheck to paycheck, stay at home moms
paycheck to paycheck, stay at home moms, money market account: Hello Christina, I am unfamiliar with the GET program so unfortunately I could not assist you there. I do suggest that you open a money market account. They tend to earn a much higher rate of return than typical savings accounts. You can open one online...

Living on a Budget, Saving Money: First time buyer interest rate, chase manhatten, first time car buyer
chase manhatten, first time car buyer, 0 interest credit cards: to me it sounds like you are being sold a bills of goods i would get the car and make sure they put in writing that your loan has no prepayment penalty ie a penalty if you pay the loan off early then i would apply at other banks for a better rate...

Living on a Budget, Saving Money: Flipping 0% credit cards, chase manhatten bank, 0 credit cards
chase manhatten bank, 0 credit cards, discover bank: carrying a balance will always hurt your credit score slightly just like having multiple cards will this is because the credit card companies dont like it when you take advantage of them as long is your total debt is less then 1/4 of your annual income...

Living on a Budget, Saving Money: Food Money, cindy cindy, bills food
cindy cindy, bills food, money situation: Hi Tim, you might want to check out this government publication to see if you are spending what others similar to you are spending on groceries: http://www.usda.gov/cnpp/FoodPlans/Updates/foodmay06.pdf. There are also recipes and other good info on the usda.gov...

Living on a Budget, Saving Money: Frugal Grocery List, frugal grocery, chicken breasts
frugal grocery, chicken breasts, ground turkey: Are you on the East or West Coast? $200 a week is alot for food but I live in the midwest where food is much cheaper. My first thought is to not buy milk or eggs unless they are for a specific purpose. Another option is to buy the fake eggs in the cartons...

Living on a Budget, Saving Money: Fun things to do, home mommy, steady job
home mommy, steady job, hard job: Dear Mari, You have a hard row to hoe but it is great you are focused on your children. What to do? Have you tried your local library? They often have storytime every week and kids love that. What about your local Parks&Recreation for summer time fun? Swimming?...

Living on a Budget, Saving Money: no subject, bankruptcy, 10 years
Living on a Budget, Saving Money: no subject, bankruptcy, 10 years, lifetime

Living on a Budget, Saving Money: Avoiding interest on credit card cash advances, cheeseburger, credit cards
Living on a Budget, Saving Money: Avoiding interest on credit card cash advances, cheeseburger, credit cards, clothes

Living on a Budget, Saving Money: After Bankruptcy, robbing peter to pay paul, bankruptcy lawyer
Living on a Budget, Saving Money: After Bankruptcy, robbing peter to pay paul, bankruptcy lawyer, budgeting software

Living on a Budget, Saving Money: Credit Score, excellent credit score
Living on a Budget, Saving Money: Credit Score, excellent credit score

Living on a Budget, Saving Money: carpet pet stains, pet urine stains, kidney infection
Living on a Budget, Saving Money: carpet pet stains, pet urine stains, kidney infection, wall paint

Living on a Budget, Saving Money: credit card application, 0 apr for 12 months, priority code
Living on a Budget, Saving Money: credit card application, 0 apr for 12 months, priority code, credit card offer

Living on a Budget, Saving Money: credit cards, 0 apr for 12 months, priority code
Living on a Budget, Saving Money: credit cards, 0 apr for 12 months, priority code, credit card offer

Living on a Budget, Saving Money: credit cards, kevin trudeaux, dave ramsey
Living on a Budget, Saving Money: credit cards, kevin trudeaux, dave ramsey, money makeover

Living on a Budget, Saving Money: Financial Principles, george clason, richest man in babylon
Living on a Budget, Saving Money: Financial Principles, george clason, richest man in babylon, seven cures

Living on a Budget, Saving Money: no subject, mortgage loan officer, paying off a mortgage
Living on a Budget, Saving Money: no subject, mortgage loan officer, paying off a mortgage, paying off your mortgage

Living on a Budget, Saving Money: How much do kids cost?, homo milk, special occasions
Living on a Budget, Saving Money: How much do kids cost?, homo milk, special occasions, baby food

Living on a Budget, Saving Money: Living assistance, financial aid grants, child care expenses
Living on a Budget, Saving Money: Living assistance, financial aid grants, child care expenses, applying for food stamps

Living on a Budget, Saving Money: Living on a Low Fixed Income, pittance, rural area
Living on a Budget, Saving Money: Living on a Low Fixed Income, pittance, rural area, social security

Living on a Budget, Saving Money: Need Help BAD!!!!!!!!!, body wash, deodorant
Living on a Budget, Saving Money: Need Help BAD!!!!!!!!!, body wash, deodorant, toothpaste

Living on a Budget, Saving Money: Question about my fico score, simple answer, credit history
Living on a Budget, Saving Money: Question about my fico score, simple answer, credit history, alex

Living on a Budget, Saving Money: Quickest Way to get out of CC Debt, credit card debt, credit score
Living on a Budget, Saving Money: Quickest Way to get out of CC Debt, credit card debt, credit score, personal loan

Living on a Budget, Saving Money: Retailers and Credit Cards - Autos, local governments, merchant account
Living on a Budget, Saving Money: Retailers and Credit Cards - Autos, local governments, merchant account, credit card

Living on a Budget, Saving Money: starting a budget, cash flow
Living on a Budget, Saving Money: starting a budget, cash flow

Living on a Budget, Saving Money: Warrant in Debt
Living on a Budget, Saving Money: Warrant in Debt

Living on a Budget, Saving Money: Warrant in Debt, bank account numbers, contempt of court
Living on a Budget, Saving Money: Warrant in Debt, bank account numbers, contempt of court, writ of bodily attachment

Living on a Budget, Saving Money: Ways to make money...., parents, cars
Living on a Budget, Saving Money: Ways to make money...., parents, cars

Living on a Budget, Saving Money: ffixing credit, poor money management, credit card balance
poor money management, credit card balance, ebay: Your credit score is made up of: Payment history Amounts owed Length of credit history New credit Type of credit used The categories that affect your score the most are the first 2: payment history and amounts owed. This means that the best thing...

Living on a Budget, Saving Money: financial advise, consolidated payment, bankruptcy court
consolidated payment, bankruptcy court, new addresses: Dear Rose, I think $1800.00 sounds pretty expensive. That is 1/3 of the price of your repossessed vehicle. Approach all of your creditors with a straight forward approach to work this out without CCCS or bankruptcy, but that is where you are. Just be honest...

Living on a Budget, Saving Money: financial planning., high interest rate, credit card payments
high interest rate, credit card payments, mutal fund: I m a firm believer that personal finance should be just that - personal. So your plan should center around YOUR priorities . This means that you will have to decide what you want to achieve first. If you think that you would like to have a home before...

Living on a Budget, Saving Money: financing my budget, student loan company, variable interest rate
student loan company, variable interest rate, national student loan: Hi Doug, I would encourage you to get very clear on what your expenses are and how much is left over each month. Set aside as much money as you can during the next 2 years and use part of that to help with your expenses while you are going to school. You...

Living on a Budget, Saving Money: Getting my first credit card, personal criteria, only necessities
personal criteria, only necessities, future car: Hi Barbara, thanks for your question. I m very concerned that you are planning to use the credit card for emergencies and for extra cash. Whenever you use a credit card, it is a loan that you are promising to pay back. If you only make enough money to...

Living on a Budget, Saving Money: our first credit card, visa platinum, ok credit
visa platinum, ok credit, platinum card: ok credit cards are like borrowing money from a friend and paying them back in 25 days if you do that every month you wont be charged interest and the more you charge and pay off in full the faster you will see your credit limit increase now...

Living on a Budget, Saving Money: followup, credit counseling service, credit counseling services
credit counseling service, credit counseling services, crackling noises: Hi Peter, I can t really comment on credit counseling services. If they re paying the bills as you agreed and the balances are dropping appropriately, then it s probably best just to stay with it. Warmly, Cindy Cindy Morus ~ MoneySmart Woman(TM) http://www.MoneySmartWoman.co...

Living on a Budget, Saving Money: food budget, food budget, class couple
food budget, class couple, food money: Hello and thanks for asking me your question. I am not sure of what the average amount a couple spends on food is per week. I did once read that many couple spend $100 or more/week which I personally find a little much, but depends on what people like to...

Living on a Budget, Saving Money: Gas & Electric bill, programmable thermostat, electric blankets
programmable thermostat, electric blankets, box fans: Bob: I am not an expert on this but I can tell you my experience. I was once getting electric service from a co-operative which is supposed to save money but it doesn t. It was outrageous. I tried the route you did with the fan running constantly but...

Living on a Budget, Saving Money: Gasoline, chase perfectcard mastercard, atm card
chase perfectcard mastercard, atm card, gas purchases: yes you can if the merchant accepts checks if not then i suggest you either get an atm card or you get a standard credit card or a gas credit card and just monitor your spending my question to you is what is the difference between making...

Living on a Budget, Saving Money: Guests, even part time, part time work
even part time, part time work, pregnant woman: First let me apologize for the delay in getting back to you. I am usually more responsive and I m sorry you had to wait for me. Next let me say it is wise of you to reach out for ideas and solutions to your problem. I have some great solutions and I will share...

Living on a Budget, Saving Money: A good window cleaner, little known fact, rubbing alcohol
little known fact, rubbing alcohol, ammonia: Kathy, I am not big into ammonia for the very reason that the past year of my life that I have been doing this, I have only been not pregnant for about two months. However, I do know that if you use ammonia OR rubbing alcohol with some wadded up newspaper...

Living on a Budget, Saving Money: grocery lists, grocery shopping list, grocery receipts
grocery shopping list, grocery receipts, feeding frenzy: Roger: I m not sure exactly what you mean. I have a shopping list with menu on my website but it is not an all encompassing shopping list. It is a list just for the monthly menu I have posted. It would be hard to have an all encompassing grocery list...

Living on a Budget, Saving Money: HELOC skyrocketing, home repairs bulging credit cards, republican tax cuts, mbna account
republican tax cuts, mbna account, trickle down: ok you are the victim of the republican trickle down lie i know this because what is happening to you happened 20 yrs ago under reagen and bush your solution is this 1 walk away as the market will continue cooling just like it did in 86 when the...

Living on a Budget, Saving Money: Help with lowering payments, minimum payments on credit cards, wiggle room
minimum payments on credit cards, wiggle room, social security payments: Hi Josette, sounds like you don t have a lot of wiggle room here. My initial recommendation would be to find ways to increase your income, but I m not sure if that will jeopardize your HUD and Social Security payments. Does your son receive Social...

Living on a Budget, Saving Money: Help! My Wife has racked up way too much debt!, consumer credit counseling, retail establishments
consumer credit counseling, retail establishments, strict budget: I do not know exactly how the laws work in your state. However, when your wife signed up for her debt, she signed a legal contract that you did not sign. A marriage does not automatically add the spouse to a contract. In the same way, if you get a divorce,...

Living on a Budget, Saving Money: Help, cindy cindy, nasal passages
cindy cindy, nasal passages, budget guide: Hi Breanne, good for you to keep your expenses low from the very start of living on your own! There are lots of tips on the internet for each one of these items. As a matter of fact, my new MoneySmart Woman(TM) program covers grocery shopping and utilities...

Living on a Budget, Saving Money: Hi Karen,My wife and I..., complete tightwad gazette, vegetarian cookbooks
complete tightwad gazette, vegetarian cookbooks, breakfast cereals: Hi Brad, There are lots of ways to save money on food. One good place to start is to check out the book The Complete Tightwad Gazette by Amy Dacyzyn(also available as three separate volumes Tightwad Gazette Parts I, II, and III)-it covers all aspects...

Living on a Budget, Saving Money: Hi, I am a single mother with..., credit card debt, investment vehicle
credit card debt, investment vehicle, single mother: It really depends on what your priorities are. However, my vote would probably go for the line of credit since that interest rate is probably the highest. Then, the mortgage. The reason I didn t pick the RRSP is because you did not mention how old you are...

Living on a Budget, Saving Money: Home Equity Line of Credit, home equity line, pawn shops
home equity line, pawn shops, equity line of credit: Hello Lynnda, Although my area of expertise is in frugal living and budgeting, I will give this a shot . . . Since this has happened without your knowledge, make certain it cannot happen again. You have given very little information here, but if your business...

Living on a Budget, Saving Money: Home equity and paying off credit card, aol charges, credit card interest rates
aol charges, credit card interest rates, household accounts: Hi Donna, I recommend that you contact the credit card company and see if they would lower the interest rate for you. You can find out how with my e-book Secrets to Negotiating Lower Credit Card Interest Rates at www.cindymorus.com/newsletter.asp. I d...

Living on a Budget, Saving Money: What will happen???, hi aaron, time on your side
hi aaron, time on your side, major library: Hi Aaron, First things first. You are so fortunate to be 21 and willing to think long-range. I suggest the following: Go to your local library and ask to look at their copy of Value Line. Every major library should have one. It costs about $500/year for an...

Living on a Budget, Saving Money: hello, miss kitty, gross sales
miss kitty, gross sales, net sales: Dear Miss Kitty, I would say, if you are still in school and maintaining your grade point average, then $10,000 is above average. Now, hopefully you are managing and saving in an above average manner. I wish you well. Kind Regards, Kindred www.eingedi.us...

Living on a Budget, Saving Money: hello, speaker building, executive life
speaker building, executive life, time clients: Hello Kitty, It would be difficult to answer this question efficiently without more information. It would depend on where you live and what the cost of living is in your area. Also, what are your expenses and do you have enough money left over to put...

Living on a Budget, Saving Money: is there any help out there, single families, medical debt
single families, medical debt, utility expenses: Hi Kimberly,my heart goes out to you. You re in a tough spot and I can tell it is really getting to you. The first thing would be to stop beating yourself up for the situation you are in. Just look at it for what it is and start a plan of action to remedy...

Living on a Budget, Saving Money: help, cell phone service, business mentor
cell phone service, business mentor, stater brothers: Hi, Sofi. Thank you for your question. I am concerned for you about the various debts you are incurring and the amount of money you are currently making. I would suggest the following: Check with your cell phone service to find out if you can get...

Living on a Budget, Saving Money: help us, abn amro mortgage, kelley blue book
abn amro mortgage, kelley blue book, accidental death dismemberment: Hi Trish, The fact that you recognize you have money problems and want to solve them is great. You owe approx. $26,000 towards your credit cards and it will just keep climbing until you take an offensive position. It is important that you don t neglect...

Living on a Budget, Saving Money: hi, credit repair scams, cindy cindy
credit repair scams, cindy cindy, truecredit: Hi Gabi, challenge every one of them. Are you sure that your identity has not been stolen? Write not only to the credit reporting agencies but to the creditors themselves. If you order a report from TrueCredit, they will supply you with contact information....

Living on a Budget, Saving Money: hi, professional life coach, building bridges
professional life coach, building bridges, false information: Hello Gabi, There really is no wrong way to dispute a credit report. Put the choice that most closely reflects how you see the situation. In any case, the credit bureau will contact the creditor to investigate the claim. If there is no response from...

Living on a Budget, Saving Money: hi, payment date, police report
payment date, police report, ditto: i would just challange and admit nothing let them prove the bad credit or remove it in 30 working days if they prove the late then look at your statement for that period and verify your payment date and then use bbb for relief if they are in...

Living on a Budget, Saving Money: Any hints, complete tightwad gazette, amy dacyczyn
complete tightwad gazette, amy dacyczyn, vicki robin: Hi Stephanie, Since you have a good solid income, what you need is a plan to help change your spending patterns so you are spending less than you earn. I would strongly recommend that you read _Your Money or Your Life_ by Vicki Robin and Joe Dominguez (it...

Living on a Budget, Saving Money: home & debt, credit card debt, assesed
credit card debt, assesed, new mortgage: i really dont see how you will integrate your debt into a bigger house your 95k home if it brings 95k will have 10k in closing costs based on 5k for commission and 5-6k for other expenses so you will clear maybe 10k profit for your down with...

Living on a Budget, Saving Money: Take home pay and budgeting, t claim, setting up a budget
t claim, setting up a budget, state averages: Rainee: Budgets are hard to do at first but once you get it down, you GET IT , know what I mean? Your take home pay is your actual take home pay. How much do yoyu actually take home to pay bills and food, etc.? Nothing fancy here. Don t make it more...

Living on a Budget, Saving Money: household budgeting, credit counseling service, consumer credit counseling
credit counseling service, consumer credit counseling, consumer credit counseling service: Joann: She can get face to face help by going to a Consumer Credit Counseling Service. You can find one in her area by going to nfcc.org Many community colleges also offer courses on basic money management as well. It is usually a continuing education...

Living on a Budget, Saving Money: household management? what's that?!, franklin covey, spiritual surrender
franklin covey, spiritual surrender, hiring a maid: Well, first let me congratulate you for seeking some advice. You see something is not working and you are looking to make a change, that is huge and that is your first step! I was just notified my original email never reached you, so here is a duplicate...

Living on a Budget, Saving Money: Inflation and the future, swiss franks, financial collapse
swiss franks, financial collapse, storage closet: Hello Sven, I am not a financial advisor but I will try to help since I undertand your parents history and memories & that you live with that fear also which is a good thing by the way. I would suggest you visit your local library & read relevant books on...

Living on a Budget, Saving Money: Interest, true bums, household bank
true bums, household bank, effective interest rate: 150 is roughly 1% of 14k 10% is 1400 so 1% is 140 since you are dividing it by 8 months its about 20 a month so its gonna make your 1.9rate go to about 3.9 as 1.9 is basically 2% so 2% of 14k is 280 280 divided by 12 is 23 a month plus...

Living on a Budget, Saving Money: Investment/saving strategies for recent college graduates., recent college graduates, true emergencies
recent college graduates, true emergencies, debt cards: Hi Demassie, great questions! Let me take them one at a time: 1. What are the 3 most important savings/investment strategies for new college graduates as they begin their working careers? * Do it now! Procrastination is the #1 reason people don...

Living on a Budget, Saving Money: income tax claims, tax refund estimator, income tax time
tax refund estimator, income tax time, tax preparation software: In this case, it will depend on whether Mom is employed or not. If she is employed, she will receive a larger refund by claiming her own son. If she is not employed, you may be able to also claim her as a dependant and increase you refund amount, but...

Living on a Budget, Saving Money: interest reduction, providian visa card, cindy cindy
providian visa card, cindy cindy, phelps creek: Hi Rosemary, congratulations on a good credit score and your on-time payment record. I have an e-book called: A Credit Expert s Secrets: You Can LOWER Your Credit Card Interest Rates which you can get when you sign up for MoneySmart Nuggets at: www.cindymorus.com....

Living on a Budget, Saving Money: Judgment, civil judgment, greater boston
civil judgment, greater boston, docket number: Hi Charlie, does it give you more information? who is the creditor who made this judgement? If you have a record that you paid for this, you have to contact each bureau separately and show them you paid for it. Credit reports often contain errors,...

Living on a Budget, Saving Money: How much do kids cost?, complete tightwad gazette, disposable diapers
complete tightwad gazette, disposable diapers, cloth diapers: Hi Jennifer, How much money it takes to raise a child can vary quite widely, depending on a lot of the individual choices you make. An infant costs very little in the first year if you are breastfeeding, use cloth diapers and choose mostly secondhand clothing,...

Living on a Budget, Saving Money: Living assistance, child care expenses, child care assistance
child care expenses, child care assistance, college part time: Hi Angel, thanks for the additional information. You might want to check with one of the other experts on the site who specializes in family issues. This is a bigger issue than just money. Best of luck to you and your family. Cindy ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~...

Living on a Budget, Saving Money: Living on a Low Fixed Income, secondary income source, ideas for making extra money
secondary income source, ideas for making extra money, recycling cans: Naomi: I hate being the bad guy, always breaking the hard news to people, but I ve got to tell you, I think you are doing the best that you can with what you ve got. And you aren t alone. I talk to at least 2 or 3 people a day that are trying to live...

Living on a Budget, Saving Money: Loan, credit card debt, computer programmer
credit card debt, computer programmer, unemployment benefits: Hi Charlie, I need more info. What is the interest rate on the condo? How many bedrooms/baths? Interest rate on each of the credit cards and how much do you owe on each one? After I receive the info. I will try to help you figure out your situation if I can....

Living on a Budget, Saving Money: Loan to pay off bills, credit cards, interest rate
credit cards, interest rate, greetings: Dear Betty, Although I do not advise people to borrow money to get out of debt, a reduction of interest rate is a good idea, if you get rid of the credit cards when you do this. Please, don t transfer the debt to a new loan and continue using the cards....

Living on a Budget, Saving Money: Loan source question, principal loan balance, chase visa
principal loan balance, chase visa, home equity loan: Getting the money out of the H.E.L would free up the risk of losing your home in the event that you couldn t pay it, and you would save money going the direction that you are wishing to go. However, I would be very skeptical about this transfer. In my...

Living on a Budget, Saving Money: Loan, credit card debt, computer programmer
credit card debt, computer programmer, unemployment benefits: Charlie, I have a lot of questions to ask you, 1- have you considered selling the condo? you have a lot of equity in it that would help you get throug quite some time without income 2-do you have family or friends who you could stay with? I know that...

Living on a Budget, Saving Money: Loans, cindy cindy, annual percentage rate
cindy cindy, annual percentage rate, budget guide: Hi Benjamin, you have great questions here and I spend a whole year answering them in my MoneySmartWoman(TM) program. Men are welcome, too! You can find out more about it at http://www.MoneySmartWoman.com. You might also like to receive my free reports:...

Living on a Budget, Saving Money: Loans, robbing peter to pay paul, mastercard credit card
robbing peter to pay paul, mastercard credit card, visa credit card: Angel, honey.....there is no proper name for that. It is robbing Peter to pay Paul. It is NOT GOOD. You need to stop yourself now and take responsibility for the debt by making payments from your own money for them. Get a part time job if you have to. ...

Living on a Budget, Saving Money: Looking for your guidance. Thanks!, cash advance fee, atm fee
cash advance fee, atm fee, transfer balance: Usually, if you transfer a balance to another card, there is only one transfer balance fee (if any) and that would be on the card you are transferring TO. APR is the interest rate that is calculated on the balance of the balance transfer. A balance transfer...

Living on a Budget, Saving Money: Lower gas bill, husband states, cold weather
husband states, cold weather, opinon: My opinion is that your husband may be onto something simply because the square footage of space that touches the home would be greater in the garage use scenario. Plus, keeping that garage pocket warmer seems like it would be an insulated barrier almost....

Living on a Budget, Saving Money: Lump Sum House Payment, lump sum payment, lump sum payments
lump sum payment, lump sum payments, return thanks: Dear Agnes, I particularly don t like lump sum payments without refinancing your interest rate. In some cases it might make sense. Do you have access to any other emergency funds? What will happen if for some unforeseen reason you lose your job and can...

Living on a Budget, Saving Money: law school, financial stress, truth of the matter
financial stress, truth of the matter, student aid: Hi Kim, several questions for you come to mind: Do you really need the car? Can you postpone law school for another year? What kind of student aid/loans can you get (do you have any now?)? What kind of housing situation do you have -- can you get a roommate...

Living on a Budget, Saving Money: on-line purchasing, credit option, debit credit
credit option, debit credit, credit score: Barbara: I know they say that it is safe, but I m with you. I don t like to use my debit card online if at all possible because it is connected to my checking account. Charging it on a credit card would be fine and an excellent way to improve a sagging...

Living on a Budget, Saving Money: long term investing, money market account, rainy day fund
money market account, rainy day fund, ups and downs: HI Shelli, excellent question. Congratulations for having money set aside! I have a few more questions for you to think about before you can make a decision about the money market money. 1. How stable is your income (both of you) and your jobs? Are...

Living on a Budget, Saving Money: looking at now, and looking ahead., student loan payments, paying off student loans
student loan payments, paying off student loans, rough estimates: Sean: I think your figures are too rough. First, finding a job will be hard plus you need to find a job that even pays that much. Then, your taxes will be more than 10%. The bottom tier would be 15% for federal alone plus add in your state taxes. I definitely...

Living on a Budget, Saving Money: low income, professional life coach, food assistance programs
professional life coach, food assistance programs, time clients: Hello Sue, I am unfamiliar with the programs that may be available for UK residents. I suggest contacting your local social service programs, some may be provided through your local government. Usually non-profit social service agencies are willing to...

Living on a Budget, Saving Money: low interest cards, open credit accounts, paying off credit card debt
open credit accounts, paying off credit card debt, interest cards: Dear Ilene, Every time you apply for credit or open a new credit card account, you lose points in your overal credit rating. The more credit you have available to you the riskier you are to the creditors eyes. Typically more than 3 open credit accounts...

Living on a Budget, Saving Money: WHAT I'M ASKING IS WOULD IT..., cash advance fee, credit card purchases
cash advance fee, credit card purchases, cardmember agreement: Hi Veronica, generally speaking, if you don t understand the fine print, you probably should stay away from it! Seriously, though, what they are saying is that if you have a balance on your credit card at 21.99% (for example) and you use the balance transfer...

Living on a Budget, Saving Money: Managing My Finances, visa account, part time job
visa account, part time job, insurance payment: number one i suggest you look at earthlink as your internet is twice what earthlink charges their rate is 20 bucks a month number 2 bankrupcy for less then 10k is not a good idea and some student loans cant be bk away is the card closed at your...

Living on a Budget, Saving Money: Marital payout and financing, slush fund, interest debts
slush fund, interest debts, market value of my home: Dear Paul, Yes, you have written a small book here and I am not an accountant, so please keep that in mind. I am probably not as financially sophisticated as you would like me to be, but I have been debt free since I was 40 years old. I think paying a debt...

Living on a Budget, Saving Money: Mastercard, phelps creek, cindy cindy
phelps creek, cindy cindy, mastercards: Hi Adam, I don t know about all Mastercards, but my new one and my old one both have 16. Hope this helps! Cindy ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Cindy S. Morus (cmorus@phelps-creek.com) http://www.phelps-creek.com Showing women and their...

Living on a Budget, Saving Money: Medical Bill Repayment, income tax refund, medical bill
income tax refund, medical bill, medical bills: Tina: The first option is the better option but only if your larger creditors will agree to a payment plan. If they were to garnish your wages, the payments would be much more than $150 a month, I imagine. Have you considered calling all your creditors...

Living on a Budget, Saving Money: Medical Bills/Re-payment, cindy cindy, bankruptcy attorney
cindy cindy, bankruptcy attorney, medical bills: Hi Shana, I m sorry for your troubles. I recommend you talk to an bankruptcy attorney right away. There s probably no way for you to get out from underneath this any other way. Hope this helps. Warmly, Cindy Cindy Morus ~ MoneySmart Woman(TM)...

Living on a Budget, Saving Money: Medical Bills, chest cold, avalance
chest cold, avalance, medical bills: You don t qualify for any traditional help because $45k is definitely over poverty level for a family of four. Some hardship programs are sliding scale so you may qualify for partial help, so it is still worth it to apply and ask about them. Now, it sounds...

Living on a Budget, Saving Money: Medical bills, ear surgeries, modestneeds org
ear surgeries, modestneeds org, school part time: Hi Sean, There are several things you can do to start tackling this debt. First, contact your credit card company to find out if you can get your APR reduced and sometimes they will even put a financial freeze on finance charges and other fees if you...

Living on a Budget, Saving Money: Milk & coffee, razor burn, diaper rash
razor burn, diaper rash, poison oak: Ashley, You have come to the right place. First of all let s deal with your milk dilemma because we all know that stuff if too expensive to waste. Milk alone can be used to remove stains. If you have a stain that has been in an outfit for a long time or...

Living on a Budget, Saving Money: Millionaire, penny pincher, moral convictions
penny pincher, moral convictions, rags to riches: Radhi, My advice is to ask yourself if it is worth the sacrifice. The rags to riches story is not fairy tale fun. To become a millionaire, almost everything has to be sacrificed to achieve the goal. This includes family, moral convictions, convenience,...

Living on a Budget, Saving Money: Money, debt free living, timely payments
debt free living, timely payments, overdrafts: Dear Amanda, Stop writing checks when the money isn t there. It s not like writing a bad check gets the money to the creditor any sooner. You will simply have to stop the cycle and it has to stop with you. You may have to pay a couple of late fees, but...

Living on a Budget, Saving Money: Money, respectful relationship, p press
respectful relationship, p press, jennifer jennifer: Hi, Jodie. Thank you for your question. I am so glad you have asked for assistance. This is a perfect time to start DATING YOUR MONEY. What you may need is system that keeps you in touch with your money on a weekly basis that is fast and friendly....

Living on a Budget, Saving Money: Money but No money, financial bind, car notes
financial bind, car notes, sneak peek: Hi Rita - I feel your pain. I ve been there, and so have most of my clients. There s no quick fix to your problems. You need a change in both your thinking, and your behavior. And you probably need some significant hand holding along the way to get...

Living on a Budget, Saving Money: Money saving, pet sitting service, yardwork
pet sitting service, yardwork, computer work: Hi, There are plenty of things you can do to earn money. The most enjoyable way is to find something you like to do that is a skill or service others need. If you are really good at computer work, maybe you can help people with their computer problems....

Living on a Budget, Saving Money: Money is tight, complete tightwad gazette, expertise description
complete tightwad gazette, expertise description, amy dacyczyn: Hi Natalie, Well, that s a pretty general statement I made, my point being that living on less money doesn t mean you can t have a satisfying and joyful life. I don t know what kind of information you would be interested in specifically. If you re wondering...

Living on a Budget, Saving Money: My Money!!, mary kay, looking for a new job
mary kay, looking for a new job, bread winner: Melinda: It sound like you are on the right path. The accounting for every penny is a very good strategy if a tedious one. It can be a real eye opener. I do have a website that has forms on it for budgeting EVERYTHING including the tedious everyday items...

Living on a Budget, Saving Money: Mortgage loan vs car loan, cindy cindy, phelps creek
cindy cindy, phelps creek, credit card interest rates: I recommend that you get a car you can afford to pay cash for. Do you have any other assets saved up for retirement? If not, I recommend that you do as much of that as possible before retirement. Best wishes. Cindy ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~...

Living on a Budget, Saving Money: Mortgage vs. money in bank, insurance deductibles, finding your dream home
insurance deductibles, finding your dream home, long term care insurance: Hi Wendy, congratulations on finding your dream home -- how exciting for you! And a good question you are asking... Without knowing more, I can t give you a definite answer, but here are some things you might want to think about... 1. Do you have adequate...

Living on a Budget, Saving Money: Mother of three children under three yrs of age, complete tightwad gazette, role of a mother
complete tightwad gazette, role of a mother, local realtor: Hi Kristy, In general, it is better to buy a house than rent (provided you can afford it), as once you own a home all your mortgage payments are building equity in your home. In considering whether you are ready to purchase a home, consider the following...

Living on a Budget, Saving Money: Moving out, hotmail, bill time
hotmail, bill time, food clothing: Hello James. Thanks for asking your question. Well, it sounds like you ve done one of the most important things already, and that is to save money before moving out. You didn t mention whether you are working or not, I ll just have to assume you are. So, considering...

Living on a Budget, Saving Money: Moving, business mentor, having a good time
business mentor, having a good time, jennifer jennifer: Hi, James. Thank you for your question and please forgive my delayed response. Congratulations on your move! It is important that you set up a tracking system to understand what you re spending and what you d like to spend your money on. A budget...

Living on a Budget, Saving Money: Moving to be debt free?, happy new year, moving costs
happy new year, moving costs, nursing school: Hi Renae Happy New Year and congratulations on thinking out into the future. It seems to me that these are your questions along with some comments from me: 1. Should we keep our current home and mortgage or move to a less expensive home and be debt free...

Living on a Budget, Saving Money: Moving on own and on a tight budget, new apartment, bonus 2
new apartment, bonus 2, tight budget: Hi Laura, congratulations for thinking about saving early in your life! By my calculations, you and your boyfriend have approximately $1960 per month (I used a 4 week month and since you are being paid weekly and every 2 weeks you will end up with a bonus...

Living on a Budget, Saving Money: Moving out, new years resolution, emergency money
new years resolution, emergency money, thoughtful person: Hi Tammy, good for you for doing the math and not just rushing out the door. It sounds like you are really ready to fly the coop -- your parents are probably still treating you like a child instead of a grown up, right? Here s my recommendation: listen...

Living on a Budget, Saving Money: I'm a disaster when it comes to finances..., bank account balance, budget work
bank account balance, budget work, accounting department: Dear Heather, Thanks for the email. I want you to know up front that I have dealt with individuals like yourself that know that there is a problem but don t have the will power to fix it.. or don t know how. It is very common amount single parents and...

Living on a Budget, Saving Money: making up for gift money, cindy cindy, phelps creek
cindy cindy, phelps creek, credit card interest rates: Hi Mel, I m not sure exactly what your question is. Could you be more specific? Thanks. Cindy ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Cindy Morus (cindy@cindymorus.com) Phelps Creek Financial Coaching Certified Financial Recovery Counselor Certified Credit...

Living on a Budget, Saving Money: making money fast with debt, there is no free lunch, credit counselor
there is no free lunch, credit counselor, income person: Hi Ben, get a second job and throw that paycheck at the debt. Call the credit agencies and see if you can get a lower rate. If you belong to a credit union talk to them to see if you can consolidate all the bills at a lower rate. If you qualify as a lower...

Living on a Budget, Saving Money: marital money and debt, money conflicts, credit card debt
money conflicts, credit card debt, money communication: Hi, I d be thrilled to have you in the class. You can register at www.cindymorus.com. Additional classes can be found under the Classes button at the top of the screen. I ll look forward to meeting you there. Cindy ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~...

Living on a Budget, Saving Money: What do you mean rent free, mortgage payments, rest of your life
mortgage payments, rest of your life, time period: What do you mean rent free. -- Dan, you make no rent or mortgage payments. You get to live in someone s home for free. do they give ample warning so you can find a place? -- Yes Also, How long is an average time people want to let you use their house?...

Living on a Budget, Saving Money: money market / savings, money market savings accounts, money market savings
money market savings accounts, money market savings, money market account: Dear Domenick, Usually a money market account is an interest bearing checking account with limited check writing and minimal balance required. The interest rate is usually much better in a money market than regular savings, but it is much more controlled...

Living on a Budget, Saving Money: money problems causing marriage problems!, paycheck to paycheck, cindy cindy
paycheck to paycheck, cindy cindy, budget guide: Hi Shandra, I can definitely relate to your situation. I encourage you to put your marriage first and to continually express gratitude for what you have together --a good job, 3 beautiful, wonderful children and I m sure more than that! That will help put...

Living on a Budget, Saving Money: money problems, full time job, credit card bills
full time job, credit card bills, merchant fees: how much do you save after you pay your bills since you did not provide a breakdown of bills i have no clue what you owe and to who or how many different debts you owe the typical late interest rate is 30% or 2.5% a month 2.5% of 8k is 200...

Living on a Budget, Saving Money: where to put money, finance charge, loan costs
finance charge, loan costs, bank loan: yes i would pay the credit card down 2500 and bank 500 as a safety net the bank loan costs half the interest of the credit card if you can afford both payments then pay down the credit card if you cant afford both payments then pay the loan...

Living on a Budget, Saving Money: Need desperate help, paying time, cheap dial up internet
paying time, cheap dial up internet, credit card debt: Dear Morgan-I understand where you are coming from. We are pretty broke at the moment too. A few points, I think might help: 1. Car has to go. Sorry, it sucks I know, but if you can t afford it you can t have it. You ll only sink deeper into debt. Either...

Living on a Budget, Saving Money: Need Help BAD!!!!!!!!!, direct mail companies, bed room apartment
direct mail companies, bed room apartment, chaotic period: Hi, Amanda. Thank you for your question. It is clear from the information you have shared that you need more income. Since you have young children at home, you may want to consider finding additional work that you can do from home. Look up home-based...

Living on a Budget, Saving Money: Need Help, pizza money, slice of pizza
pizza money, slice of pizza, money sources: Hi Chris Step 1: Discover How Much You Can Spend Laying it all on the table is the best way to start. First, find out in advance how much money you have to spend and for how long you have to budget it. This might mean budgeting for a six-month internship...

Living on a Budget, Saving Money: Need help getting out of debt, freedom debt relief, credit card payments
freedom debt relief, credit card payments, interest card: Rada, there is a better option than bankruptcy, it is called debt settlement. I am a consultant with Freedom Debt Relief, see their website www.freedomdebtrelief.com If you are really serious about getting out of debt give me a call, at 407-384-7317,...

Living on a Budget, Saving Money: Need help fast!, finding a new job, credit card debt
finding a new job, credit card debt, daycare: Jenni, You have some very tough decisions to make. First you need to address your basic needs. Please concentrate first on finding a place to live even if it is temporarily. It sounds like there are children involved. I don t know what city you are in, but...

Living on a Budget, Saving Money: Need Money/Good Credit, home equity line, equity line of credit
home equity line, equity line of credit, home equity line of credit: Pete: If you plan to pay the debt off quickly (like, within an introductory rate period), then my vote is for a 0% rate credit card. You can t get that on a HE loan. If you plan to take a couple of years to pay it off, a HE loan may be better because...

Living on a Budget, Saving Money: Need to get rid of my car still owe money on it., couple bucks, trw
couple bucks, trw, good luck: 1st see if a dealer will pay off the loan and maybe give you some cash 2nd have a friend buy it on the idea that as soon as you get the home you will buy it back be sure to give that friend a couple bucks for his trouble all you need to do is get...

Living on a Budget, Saving Money: Neg. Credit Dropping off of Credit Rpt., hood river oregon, cindy cindy
hood river oregon, cindy cindy, phelps creek: Hi Kellie, great question. Here s the answer: ALWAYS from the date the delinquency was FIRST reported. Date of the LAST ACTIVITY does not affect this rule unless it is a court judgment entered into the public records. If the last date of activity...

Living on a Budget, Saving Money: New life style, household manager, financial counselor
household manager, financial counselor, clip coupons: Thank you for your question. It sounds like things are a tough right now. And good for you that you are looking for answers and ideas. And let me say I m sorry you are going through a divorce, know that it can be sad and you will be going through some emotions....

Living on a Budget, Saving Money: Newsletter, complete tightwad gazette, coffee magazines
complete tightwad gazette, coffee magazines, dollar stretcher: Hi Pamala, I have stopped publishing my newsletter but I still have back issues available. If you are interested, I can send you a list of the back issues to take a look at - just email me at karenmcl@iaw.on.ca. Some good resources I would suggest for...

Living on a Budget, Saving Money: Nothing owed, timely payments, credit score
timely payments, credit score, car payments: the only thing i have heard about owing nothing is that there is no proof you can make timely payments to defeat that i pay all my bills with my credit card and then pay it off each month in full this allows me to keep a 700 point avg credit score...

Living on a Budget, Saving Money: need advice, chevy van, scott edwards
chevy van, scott edwards, messenger company: I hope you realize that I lived in LA for 20 years so everything I quote will be based on first hand experience 1) there is no such thing as a cheap car in LA I suggest you buy a 1975-1977 chevy van have the motor and transmission rebuilt and put a...

Living on a Budget, Saving Money: Do I need to build credit?, roth ira, savings habits
roth ira, savings habits, electrical engineer: Hi Roc, congratulations on your good savings habits! I recommend that you start by getting your a free (no strings attached) credit report from http://www.annualcreditreport.com. AnnualCreditReport.com is the official site to help consumers to obtain...

Living on a Budget, Saving Money: In need a Financial Coach or Money Supervisor, credit repair scams, paycheck to paycheck
credit repair scams, paycheck to paycheck, free e books: Hi Brian, I feel your pain. I ve been there, and so have most of my clients. There s no quick fix to your problems. You need a change in both your thinking, and your behavior. And you probably need some significant hand holding along the way to get...

Living on a Budget, Saving Money: i need help, credit card bills, mr gibson
credit card bills, mr gibson, household income: Mr. Gibson, Thank you for the email. What was your household income during the time? Generally, I would recommend that you list your debts from the smallest to the largest and pay minimum payments on them. Then, put all extra money that you can afford...

Living on a Budget, Saving Money: need help, abn amro mortgage, kelley blue book
abn amro mortgage, kelley blue book, accidental death dismemberment: ok my train of thought has always been fiscal discipline example in my personal area i have 80k out on credit cards at the moment the payments cost me 2k a month which i pay by my job yup i went back to holding a steering wheel for a living and...

Living on a Budget, Saving Money: I need unbiased debt advice!, gasoline car, home equity loan
gasoline car, home equity loan, debt advice: Hi Nikki, I empathize with you. This might be a wild idea, but have you considered not working? By the time you pay $1,000 for day care plus work clothes, dry cleaning, transportation, meals out because you re too tired to cook + any monies you contribute...

Living on a Budget, Saving Money: new car purchase/lease, new car purchase, lateral move
new car purchase, lateral move, dear bill: Dear Bill, I never recommend leasing to anyone, but I don t recommend debt, either, so . . . This may be a lateral move so to speak to get out of the big payments. I would advise that planning to lease with a small child may carry it s own disadvantages...

Living on a Budget, Saving Money: ODP vs Credit Cards, overdraft protection, eliminating credit card debt
overdraft protection, eliminating credit card debt, interest rate card: Thanks for the email. In order to answer your question, I would do almost anything to keep from putting money on credit cards, so I would recommend that you take the money out of your checking account. IF, the overdraft protection is on 3% then use that...

Living on a Budget, Saving Money: Online Savings Accounts, cindy cindy, ing direct
cindy cindy, ing direct, liquid cash: Hi Stephen, Congratulations on having a plan to get your down payment together. I don t have any personal experience with Emigrant so I can t really advise you on that. I m a great fan of ING, however and highly recommend them every chance I can get. ...

Living on a Budget, Saving Money: Overtime, certified accountant, tax accountant
certified accountant, tax accountant, tax expert: Dear Barry, I am not a certified accountant or tax accountant. There are savings accounts through your employer that may be what you are looking for, I don t know. There are also annuity investments, etc., but there is an age factor to make a withdrawal....

Living on a Budget, Saving Money: ok what about those coffee grounds?, plant fertilizer, coffee grounds
plant fertilizer, coffee grounds, spaghetti sauce: Ann, As for those used coffee grounds, they make excellent plant fertilizer. Also, you can use unused coffee grounds for a plethra of things. One, you can mix them with grits and pour over an ant hill and the ants will see the coffee grounds as enemies...

Living on a Budget, Saving Money: How are others doing it?, paycheck to paycheck, buying stocks
paycheck to paycheck, buying stocks, person families: Alyce: The fact of the matter is that a good majority of people are living paycheck to paycheck. Don t feel alone because you re not. The fact is that those other people either 1) have better credit and more debt than you, or 2) have less expenses than...

Living on a Budget, Saving Money: Pay Off Debt Or Invest?, lump sum payment, maxed out
lump sum payment, maxed out, early retirement: Hi George, you have some excellent questions and a good reason to be concerned! Statistics show that many people who pay off their credit cards with either windfall money (like the lump sum payment) or with a line of credit, often end up in the same position...

Living on a Budget, Saving Money: Pay off the mortgage?, growth stock, 403b
growth stock, 403b, index funds: Dan, Thanks for the email. You have some incredible numbers there. You are doing pretty good financially! I am assuming that your house is your only debt. I am right there with you on hating that mortgage. I simply hate any form of debt. Here s...

Living on a Budget, Saving Money: Paying off Credit Cards, consumer credit counseling, credit card bills
consumer credit counseling, credit card bills, paying off credit cards: Dear Tony, If you don t feel that you can increase your payments to resolve the debt, then I know there are agencies such as the one you mentioned that can help with that. I think there are agencies that negotiate the balance and the interest, but I have...

Living on a Budget, Saving Money: Paying off cards, credit card payments, state income taxes
credit card payments, state income taxes, traditional ira: Hi Sue, thanks for your question. I can see several questions to answer here and a whole lot more to ask but I think the primary one you really want to know about is: What are the costs of taking money out of your retirement fund? I m assuming you are...

Living on a Budget, Saving Money: Paying off debt., cindy cindy, traditional ira
cindy cindy, traditional ira, invesment: Hi Tim, a couple of questions for you to think about... 1. Is the mutual fund in a traditional IRA? If so, taking money out would trigger penalties and income tax. In that case, no to taking it out! 2. Are you still contributing to the mutual fund? If...

Living on a Budget, Saving Money: Paying off loans vs. saving for a home vs. 401(k), money market accounts, brokerage accounts
money market accounts, brokerage accounts, rough estimates: The best place to start, regardless as to the strategy you take, it to have a good budget. It will be hard to stick to your strategy without it. There are several free templates on the web, including one on the Microsoft website that is created for MS Excel....

Living on a Budget, Saving Money: Paying off Mortgage, mobile home mortgage, paying off mortgage
mobile home mortgage, paying off mortgage, worth the risk: Hey Marg, Thanks for the email. It would appear mathmatically that this would be a good deal. But I m not a big fan of credit cards, especially in this sense. The reason is because banks are very good at changing the rules. By saying default , they...

Living on a Budget, Saving Money: Persuasive argument, homework question, credit card debt
homework question, credit card debt, persuasive argument: Jackie: I do t usually answer questions like this because it sounds like a homework question but I ll try my best. I doubt that there are any studies to show the stats for 2005. The year isn t even done yet. I did a search for articles on the internet...

Living on a Budget, Saving Money: Planning ahead, long term leases, great happiness
long term leases, great happiness, filling out a w4: Hello Sam, I m fine, thanks for asking and I hope you are doing well. Welcome to the country. Although many individuals get a tax refund after filing, the current withholding for taxes is, right under 9% for FICA, Federal taxes withheld range from 0-about...

Living on a Budget, Saving Money: Please help us.., abn amro mortgage, kelley blue book
abn amro mortgage, kelley blue book, accidental death dismemberment: If you are not up to date on your estimated tax payments and feel that you could end up owing at the end of the year, I would pay the estimated tax just because the penalties on top of the interest they charge is alot. If that is not a problem, then I say...

Living on a Budget, Saving Money: Please help, debt problem, should i file for bankruptcy, ok job
should i file for bankruptcy, ok job, exact figures: from what i see your bills are about 1400 a month this is a guess since you did not disclose your judgements as a veteran are you a member of USAA 1-800-531-8000 they could help you possibly I don t recommend debt consolidation as your debt...

Living on a Budget, Saving Money: Please help us...., abn amro mortgage, kelley blue book
abn amro mortgage, kelley blue book, accidental death dismemberment: Hi Trish, thanks for the great question and all the work you ve done getting your info together. Here s what I usually recommend you do for windfall monies: 1/3 to the past (old debt) 1/3 to the present (things you need to take care of now, a bit...

Living on a Budget, Saving Money: Pre-Paid Credit Cards, prepaid credit cards, pre paid credit cards
prepaid credit cards, pre paid credit cards, merrick bank: Andrea: These can be really good or big scams. They are becoming more and more common now with so many people who have bad credit and baby boomers sending kids off to college. Here s what to watch for: -Try to find a big, well known bank that offers...

Living on a Budget, Saving Money: Purchasing a first home vs. renting ( I am over 50), income tax return, retirement investments
income tax return, retirement investments, long term investment: Hi Steve, Interesting question. First thing I think of, you are 51 now but if you can can think far enough ahead to when you are 65 and you have a fully paid for home it can be such an incredible comfort as you head into older age. I don t know if you are...

Living on a Budget, Saving Money: paperwork, permission slips, cable bills
permission slips, cable bills, retention schedule: Susan, Thank you for contacting me. I congratulate you for looking for ways to solve you paper overload. It would like you have a lot on your plate and I know I can offer some valuable advice. First off how long you need to keep papers is different...

Living on a Budget, Saving Money: To pay or not to pay, irs tax credits, irs guidelines
irs tax credits, irs guidelines, consolidated loan: Hi, Mike. Thank you for your question. Let s look at the facts you have presented in a logical manner. As I understand the situation from your description, you can receive the $50,000 towards your student loans ONLY over the three years or the $30,000...

Living on a Budget, Saving Money: paying board/rent to parents, cindy cindy, phelps creek
cindy cindy, phelps creek, coachi: Hi Georgina, great questions and congratulations to your parents for teaching you great values and responsibility. I would suggest that you look around and see what it would cost you to be on your own or with a roommate or two. That s a good place to start....

Living on a Budget, Saving Money: paying off credit card debt, paying off credit card debt, credit card debt
paying off credit card debt, credit card debt, unsecured loan: Colleen: It is only a good idea if you pay off the credit card and then cut it up and then pay on the loan as aggressively as you can afford to. You are just shifting your debt from one place to another, but at least the interest rate would be fixed as...

Living on a Budget, Saving Money: paying off debts, paying off debts, savings account
paying off debts, savings account, credit card: Hi Oscar, I would suggest you pay off the full amount of your credit card immediately. The interest you are paying on the credit card is more than the amount you will earn by leaving the money in your savings account, therefore paying off the credit card...

Living on a Budget, Saving Money: paying off debts, paying off debts, credit card debt
paying off debts, credit card debt, savings account: Dear Oscar, yes! pay it off...there is no reason you pay any interest on that borrowed money, specially if your savings are earning much less than 10% interest.. congratulations! Now, just make sure you don t fall into debt again, don t use more...

Living on a Budget, Saving Money: paying off student loans vs. savings, paying off student loans, graduate law
paying off student loans, graduate law, interest debt: I say put the money in savings.....maybe some CDs. You can always cash out if at anytime it looks better to pay off the student loans. It looks like you will have a year or two after you graduate law school to pay down debt and get your income up, so I m not...

Living on a Budget, Saving Money: payiny off mortgage, sock hops, mortgage home loan
sock hops, mortgage home loan, financial planners: Hi Jim, Thanks for your question. I am a Porfessional Organizer who offers advice and the only heading that matches even a little is the finance one. However I do not want your question to go unanswered. I ve tracked down some resources for you that...

Living on a Budget, Saving Money: personal budget, shopoholic, personal budget
shopoholic, personal budget, value of a dollar: Anna: Well, you are certainly showing some maturity and responsibility in wanting to nip this sucker right now before it gets out of control. Congrats! Now, I have a website that has an entirely free budgeting course for beginners. It may seem a bit...

Living on a Budget, Saving Money: pre-paid phone cards, pre paid phone cards, long distance providers
pre paid phone cards, long distance providers, purpose cards: When comparing the rates of prepaid phonecards be aware of the following traps: Some phonecard companies charge a maintenance fee . If you plan to use you phonecard all at once, this is not a concern. If you plan to use it only once in a while - be careful....

Living on a Budget, Saving Money: prices, google search, relocation information
google search, relocation information, realistic idea: Dear Margaret, There are many sites for various cities that give quite a bit of information about the cost of living, average income, even sights and entertainment, etc. I recommend a Google search for the city and state. Just entering a state will not...

Living on a Budget, Saving Money: purchasing a home, credit score, rural area
credit score, rural area, 401k: Hi Rosemary, I want to say right away that yes you should buy a home but it leads to lots of questions. Prices in your area, your credit score, are their condos in your area? What are you paying for rent now? Are you living in a city or rural area? If you...

Living on a Budget, Saving Money: Not Qualified, license tabs, luck chris
license tabs, luck chris, temporarly: Hey Grace, Thanks for the email. It sounds to me like you are going through a very tough time financially at the moment. I wish I had a quick answer to make all of your money problems go away. As far as the home cleaning business, there is probably...

Living on a Budget, Saving Money: Question about my fico score, fico score, accounting records
fico score, accounting records, credit score: Dear Alex, Yes, I understood that you are trying to raise your score. My area of expertise is in Living on a Budget and Saving Money. Neither topic is designed to advise about going into debt. Most questions that I receive are about getting out of debt....

Living on a Budget, Saving Money: I have one Question, strum ruger, cashback credit cards
strum ruger, cashback credit cards, loan balance: realize one thing i got married in 98 and have 2 kids so i am working as my income from my stocks was 40k-50k and thats not enough to raise 2 kids in the manner i like them to be raised now 29 and no debt great can you save 200 a month do...

Living on a Budget, Saving Money: Questions I have been afraid to ask, unexpected medical bills, first year of marriage
unexpected medical bills, first year of marriage, coaching community: Hi Chris, great questions. Congratulations for wanting to do better with your finances. You have lots of questions here -- too many to be answered in a short e-mail. I recommend that you join my Get Ready to be Rich financial coaching community. The...

Living on a Budget, Saving Money: Questions about Credit Limits on Credit Cards, double payments, lending institutions
double payments, lending institutions, customer one: Sorry it took so long to reply. I tried to answer sooner but the all experts website was down. The limit can affect you so requesting a lower limit is wise. Just don t close them entirely yet and don t lower the limit to the balances. That would skew your...

Living on a Budget, Saving Money: Quick Question, credit counsler, credit card debt
credit counsler, credit card debt, second job: ok skyler try this trick lets say your phone bill is 75 bucks a month and your credit card bill is 50 for the min payment and you have say 500 bucks credit on your credit card but only have 100 bucks cash to pay both bills you pay 100 to the...

Living on a Budget, Saving Money: Quick Question, debt management plan, credit counsler
debt management plan, credit counsler, credit counselors: Skyler: This depends on where you are at with the card now. If you are behind and getting charged late fees and overlimit fees every month, then the fee on a Debt Management Plan through a debt counseling agency would probably be worth it. Credit counselors...

Living on a Budget, Saving Money: Quick Question, credit counsler, credit counselor
credit counsler, credit counselor, internet scout: Hi Skylar, You have ONE card which is a problem being paid? How many cards to you have? If it is causing a problem with the your credit scores you need to do something. You need to look at all your cards, write down what the interest rate is on each the balance...

Living on a Budget, Saving Money: Quickest Way to get out of CC Debt, debt consolidation companies, debt consolidation help
debt consolidation companies, debt consolidation help, debt to income ratio: HI Susan, I d have to know more about your situation but having as much debt as you make is, as you know, a very serious situation. You don t say what your monthly payments are, but by going to bankrate.com s calculators, guessing a 15% interest (which is...

Living on a Budget, Saving Money: question, money market account, tax accountant
money market account, tax accountant, personal reasons: Well, there is no way to do that within a bank. I haven t heard of any way to do it period. In order to put it in someone else s name, you would have to give up ownership of the money to someone else. I would seek a good tax accountant or attorney with your...

Living on a Budget, Saving Money: question about debit cards, visa debit cards, visa debit card
visa debit cards, visa debit card, visa credit card: Erin Typically a debit card is used the same way as a credit card, except that the funds come right out of your checking account, or a checking account attached to it. SO it means you pay for it right away, there has to be money in the checking account for...

Living on a Budget, Saving Money: Too many questions.....need help!, probate lawyers, credit card debt
probate lawyers, credit card debt, equity line of credit: You didn t say anything about your job or income. There is more than just credit scores calculated by lenders when you get a loan for a home. In fact, Countrywide gives loans to people everyday with scores at around 600. What have they said? I do think...

Living on a Budget, Saving Money: Reasons for refused credit, bad credit history, free credit report
bad credit history, free credit report, cellular companies: Caroline: I also am at a loss. Their decision is unusual since you already had a contract with them. I hope I am assuming right that you are in the United States? You won t know anything until you get your credit report. When you are turned down for...

Living on a Budget, Saving Money: Refi vs. Assumption, Equity Loan vs. Line, home equity line, equity line of credit
home equity line, equity line of credit, home equity line of credit: Hi Nancy, have your mortgage lender do the analysis on which would be better -- the assumption or a new re-fi. You might also want to talk to some other lenders to see what they have to offer. As for the differnce between and equity loan and a line of credit...

Living on a Budget, Saving Money: Refinance/debt consolidation, high interest rate, credit card debt
high interest rate, credit card debt, revolving debt: Harrison: That is so great that you found someone who knew what the heck I was talking about! I think it s perfect for you right now. Now, the trick is....in 5 years....if you don t change your situation, you could find yourself right back where you...

Living on a Budget, Saving Money: To Rent or Buy, debt service payments, private mortgage insurance
debt service payments, private mortgage insurance, mortgage payment insurance: Hi Ann, good question. There s really not enough info here to give you an answer so let me give you a good rule of thumb to follow: The total of your new monthly housing expense and your existing debt service payments should not exceed 35 percent of your...

Living on a Budget, Saving Money: Rent or own?, worst case scenario, happy new year
worst case scenario, happy new year, mortgage interest: Dear Marcia, If you live in a very inexpensive area where the rents are rock-bottom the rationale might be OK but with rent you have no control over your living expenses. If you do an analysis you will find that rents in a normal (cheap) area will go up...

Living on a Budget, Saving Money: Rent Sharing, spiritual considerations, community assets
spiritual considerations, community assets, romantic intentions: Hello Ann, While I am not a lawyer and you would best be served by seeking legal advice in this matter, I will offer my opinion and professional advice so far as I can. Housing situations can be very sticky between anyone, let alone a couple with romantic...

Living on a Budget, Saving Money: Repaying debt..., credit card debts, quandry
credit card debts, quandry, interest rates: If you have some really small ones like the one for $185, I think it is better to pay those off first. It eliminates the number of people to pay so you can focus more and it frees up more money for the bigger ones with the higher interest rates. Even if the...

Living on a Budget, Saving Money: Response to Warrant-in-Debt, emergency room service, certified mail
emergency room service, certified mail, proof of delivery: Joe, I am quite surprised that a hospital is going to this extent to collect less than $1000. I am really sorry you are going through this. It seems you have the documentation to show that you did respond. In the work I do we actually ask our clients who...

Living on a Budget, Saving Money: Retailers and Credit Cards - Autos, back cards, car purchase
back cards, car purchase, auto dealer: as far as i know they can they also can set a credit price and a lower cash price on fuel as you see everywhere as for the car dealer remember they pay 1-2% as a fee for you to use that card so a 20k car purchase will cost them 200-400 in fee ...

Living on a Budget, Saving Money: Retirement Pension vs. Purchasing a home, retirement pension plan, phelps creek
retirement pension plan, phelps creek, cindy cindy: HI JJ, I m not qualified to answer this question. You need to talk to a tax person and/or an estate attorney and/or Certified Financial Planner. Your whole situation needs to be explored in more depth than here. Best of luck! Cindy ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~...

Living on a Budget, Saving Money: Retirement Savings, risky stocks, coal mines
risky stocks, coal mines, basketball coach: I recommend you proceed with caution and remember that low-risk and no-risk are not the same. First if either or both of you are eligible for a 401K or other retirement plan from work, contribute the maximum that the company matches. Next, talk...

Living on a Budget, Saving Money: Retirement, longterm care insurance, mortgage line
longterm care insurance, mortgage line, reverse mortgage: Hi Jackie, Here is what I see in your plan. What about health insurance? You will not be eligible for Medicare until you are 65. Insurance can cost $3500 min. for one person a year in their 60 s. Once you retire the costs of medication can be prohibitive....

Living on a Budget, Saving Money: Reverse Mortgage, poor seniors, reverse mortgages
poor seniors, reverse mortgages, reverse mortgage: Hello, My first answer is yes, a reverse mortgage can be a Godsend to seniors such as yourselves. If you have access to a computer pull up a site, www.SeniorJobBank.org - it is a non-profit site which can walk you through the steps and you will know at the...

Living on a Budget, Saving Money: Roomate dilema, monthes, heat water
monthes, heat water, swindler: Hi Ryan, That s a bit of a tricky one. If it were me that was going away, I would offer to pay half of the basic phone service (not long distance calls though, unless he s calling you collect) and half of the heat and electricity-these costs are pretty...

Living on a Budget, Saving Money: Ruined milk and flat soda, flat soda, aluminum foil
flat soda, aluminum foil, poison ivy: Ruined milk can be used for a number of things, but the one that I have found to be the far best is this. Take your ruined milk and put in one tablespoon of lemon juice. Let it sit for twenty minutes and drain off the liquid and use the curds as a soothing...

Living on a Budget, Saving Money: razor blades, toothbrush holder, disposable razor
toothbrush holder, disposable razor, razor blades: Brian, You should use a disposable razor only about three or four times because the male facial hair is so coarse that it dulls them very fast. If you use a refillable such as a Mach3(my husband s razor of choice), you can safely use it seven or eight times...

Living on a Budget, Saving Money: refinancing a car, hood river oregon, 2003 toyota avalon
hood river oregon, 2003 toyota avalon, cindy cindy: It is possible to re-finance your car Mary but I m afraid I dont know much about that. Sounds like your interest rate is actually pretty good. If you have access to a credit union, I d definitely start there. Cindy ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Cindy...

Living on a Budget, Saving Money: refinancing house for debt consolidation, phelps creek, cindy cindy
phelps creek, cindy cindy, stick to your guns: Cindy, stick to your guns. I would encourage you to get some more education because you have very good instincts. I highly recommend The Financially Confident Woman by Mary Hunt and Money Drunk, Money Sober by Jerrold Mundis. You might also be interested...

Living on a Budget, Saving Money: how many registers, cash purchases, exact amounts
cash purchases, exact amounts, paychecks: Meg: I am definitely confused. And, I understand why you are as well. Too many things and registers going on. For Quicken, I only see the need for 3 registers MAX. One for checking, one for savings, and one for cash. The checking account can track spending...

Living on a Budget, Saving Money: renting with boyfriend while renting out my condo, impending nuptials, moral dilemma
impending nuptials, moral dilemma, moral dilemna: Hello Dee, You already answered your own question. You stated from the beginning that this is a moral dilemna. This tells me that you are experiencing some sort of personal discomfort behind living with this man prior to your impending nuptials. As all...

Living on a Budget, Saving Money: reply, mixup, lucinda
mixup, lucinda, marjorie: Hi Lucinda, Sorry for the mixup with your question, but I am new to all experts. I did not receive your original question and then got a duplicate message in my email. Anyway, I finally got your answer to you, and I hope that helped you. Thank you for...

Living on a Budget, Saving Money: retirement pension, retirement check, retirement pension
retirement check, retirement pension, disability policy: Most PENSIONS cannot be borrowed against or liquidated per rules the IRS places on those particular retirement plans. That is why you were able to do it with your 401k plan but not the pension plan. That is also one of the reasons that many companies today...

Living on a Budget, Saving Money: retirement versus college savings, retirement savings options, 529 college savings
retirement savings options, 529 college savings, state income taxes: Hi Deidre, congratulations on taking advantage of the power of compounding so early in your life and your children s lives! There are a number of factors to consider here. Generally, we recommend that you maximize all your tax deferred opportunities,...

Living on a Budget, Saving Money: getting rid of debt, home equity line, life insurance policy
home equity line, life insurance policy, equity line of credit: Hi Walter, thanks for contacting me. You wife is right to be concerned about using an equity line to pay off your credit cards. Unless you address the underlying reasons for getting into debt, statistics show that withing 2-5 years, you ll be right back...

Living on a Budget, Saving Money: Is there room for fun??, play board games, free concerts
play board games, free concerts, single mom: Hi Leah! I know it can seem like you don t get any time as a couple when you have a young child in the picture. There are some things you can do to make life a little more fun though. If your son goes to bed fairly reliably at a reasonable hour, plan a...

Living on a Budget, Saving Money: what can i do with ruined milk?, blood stains, discrepency
blood stains, discrepency, whole milk: Andreas, I am sorry that it has taken me so long to answer your question. I never received it in my email, so I didn t find it until I came to all experts to see why I had a discrepency. Nonetheless, here are some uses for ruined milk. If your ruined milk...

Living on a Budget, Saving Money: Saving for a house, free withdrawals, 1st time home buyers
free withdrawals, 1st time home buyers, first time buyers: A 401K or 403B is actually the LAST place you want to go to take out money for a home. If you are contributing to one now with the expectation to withdraw it in a few years, you should stop those contributions as well. Here s why: #1 - You end up with...

Living on a Budget, Saving Money: Saving on Interest rates, angel angel, emotional issue
angel angel, emotional issue, credit accounts: Angel Opening new credit accounts in your name will hurt more than help your credit rating. I don t know your current credit rating, but it is always a concern to have more than 3 credit accounts open. I would say that if you really stick to your plan,...

Living on a Budget, Saving Money: Saving Money or Paying Student Loans, student loan debt, serious money
student loan debt, serious money, minimum payment: 1st question is the balance transfer is it life of the loan if yes then you need to ask how long will you use your parents credit as that loan will reduce their credit ability if your parents want you to save then save but if i could afford...

Living on a Budget, Saving Money: Saving money for after college, interest earnings, speaker building
interest earnings, speaker building, executive life: Hello William, This is a difficult question to answer too precisely without knowing what the cost of living is where you live and how much you are earning. This would also depend on the amount of debt you are paying on a monthly basis. A good place for...

Living on a Budget, Saving Money: Saving money, car banks, family obligations
car banks, family obligations, local bank: Hi Neo, Congrats for thinking forward. The first rule in setting your future is pay yourself first. Unless you have family obligations I would try hard to put away 50% of your paycheck. $160x52 (wks) = $8320/yr. 50% would give you approx. $12,000 over 3...

Living on a Budget, Saving Money: Saving, mad man, resturant
mad man, resturant, new computer: Neo: I recommend keeping only what you absolutely need. Is that $5 a day? $10 a day? $10 a day is $70 a week so $80 a week goes into savings. $80 a week for a year would be $4160 a year in savings. Basically, you should put yourself on an allowance...

Living on a Budget, Saving Money: Savings, orange savings account, ing orange
orange savings account, ing orange, reserve money: Hi Tiffany, great question and congratulations for thinking about savings, inflation and interest rates! Right now, that $500 is the best defense you ve got going. Defense against what? Life happening! Here s a personal example: I broke my leg and knee...

Living on a Budget, Saving Money: Savings & credit problems, atm debit card, overdraft protection
atm debit card, overdraft protection, national city bank: Hi Melanie, Congratulations for not having any credit card debt and for keeping track of your spending! Seems like you have a bunch of questions here. Let me see if I can separate them and answer them 1 by 1. 1. What should I do about my employer checking...

Living on a Budget, Saving Money: Savings or Student Loan, student loan debt, ingdirect
student loan debt, ingdirect, serious money: Hi K., It s great that your parents are helping you with your student loan by moving it to a lower interest rate and by letting you live at home. The first thing you ll need to do is create a spending plan. You can read more about that by downloading...

Living on a Budget, Saving Money: Savings, annual inflation rates, treasurydirect gov
annual inflation rates, treasurydirect gov, orange savings account: Hi Tiffancy, OK here we go. Congrats on being focused on saving. Check out www.treasurydirect.gov. You have to set up an account but you can then buy bonds direct from the Govt at no charge. Here is the good news - I bonds are paying 6.73% and you can start...

Living on a Budget, Saving Money: Scared To Retire, roller coaster ride, age discrimination
roller coaster ride, age discrimination, apartment condo: Hello Charlene, I sincerely feel for your situation. I question your reasoning behind staying in a living situation/marriage that isn t completely fulfilling and doesn t support your needs. You may want to consider removing yourself from such a negative...

Living on a Budget, Saving Money: Secured Credit Cards, washington dc metro, dc metro area
washington dc metro, dc metro area, unsecured credit card: chase and bank of america have a secured card call them up and ask them what their procedure is for getting a secured account having an established savings account never hurts you but the secured card issuer normally has a bank where you will open...

Living on a Budget, Saving Money: Secured Credit Cards, washington dc metro, dc metro area
washington dc metro, dc metro area, cindy cindy: Hi C.J. Congratulations for getting your bills in line and starting to save money! That s awesome! The best place to look for a secured credit card is at http://www.CardRatings.com. It doesn t really matter any more where the bank is located -- just look...

Living on a Budget, Saving Money: Seperate accounts..., post nup, household bills
post nup, household bills, seperate accounts: Hi Rod, many couples have a joint checking account for all household bills and services. Each person puts a proportionate share into the pot . So if she makes 60% of the family income, she puts in 60% of the bills and you put in 40%. The rest is left for...

Living on a Budget, Saving Money: Single Income Family, food stamp program, catholic charities
food stamp program, catholic charities, free budget: Hello Ryan, If you are a U.S. resident, I suggest that you contact your local Department of Human and Family Services for information about the Food Stamp program. There are also other government grants and assistance programs that could be available in...

Living on a Budget, Saving Money: Starting life over..., coastal work, rough place
coastal work, rough place, time in my life: Lara, sounds like a rough place to be. I think it is great that you recognize you re in a difficult place and I respect that you are looking for ideas to make it better. I have some wonderful suggestions; before I go into them I want to let you know that many...

Living on a Budget, Saving Money: Student Loan Debt, ivy league school, student loan debt
ivy league school, student loan debt, credit card debt: Hey Denice, Thanks for the email. It does sound like you have a debt crisis, but you also have an income crisis. The best way to get yourself out of this mess would be to either take on another job or to find a job that pays more than what you make now....

Living on a Budget, Saving Money: Student Loan v. Easy Food, baked chicken thighs, sausage biscuits
baked chicken thighs, sausage biscuits, freezer containers: Take out and delivery are my first choices......LOL Seriously, I know how you feel. I commute 1.5 hours one way so 3 hours a day total. No one in my household helps me with anything. And in addition to my two regular kids, every stray child in town hangs...

Living on a Budget, Saving Money: Student Loans and Credit, student assistance program, cindy cindy
student assistance program, cindy cindy, generous scholarship: Dear College Student, I recommend you talk to your school s financial aid office as I am not that familiar with student loans. As for your parents, the loans that they co-sign for you makes them responsible for them in the event you do not pay. For that...

Living on a Budget, Saving Money: Student Loans and Debt Reduction, student loan payments, loans window
student loan payments, loans window, bookkeeping program: I personally don t use the Quicken budget tool. My favorite tool is good old pencil and paper. Because then you actually have to know how it works as opposed to a software program doing it for you. If you still want to try Quicken, here s an article on it:...

Living on a Budget, Saving Money: Supplementing income., real estate mortgage, cindy cindy
real estate mortgage, cindy cindy, contractual work: Hi Denise, have you heard of Virtual Assistants? Sounds exactly like what you are describing. If you do a search, you ll find lots of people you can talk to and there s even a VA University. Hope this helps. Warmly, Cindy Cindy Morus -- MoneySmart...

Living on a Budget, Saving Money: how too save money!!!!!!!!!!!!!!!!!, paying taxes, tax time
paying taxes, tax time, student loan: Tony: I have a completely free budgeting website that will take you step by step through the process of developing a complete and thorough budget. http://members.aol.com/moneymstr/index.htm Email me from there if you get stuck. The best way to...

Living on a Budget, Saving Money: saving/budgeting, atm card, credit cards
atm card, credit cards, bind: Khalid: It sounds like you have done the best thing by getting rid of the credit cards and relinquishing your ATM. If you find that despite your tactics, your budget is running short, then you need to start budgeting. You can get a free budgeting course...

Living on a Budget, Saving Money: saving money, complete tightwad gazette, dollar stretcher
complete tightwad gazette, dollar stretcher, miserly moms: Hi Cyndi, There are many, many ways to save money on food! Since it s difficult to give you too many ideas in a short email, I am going to recommend a couple of resources that I think you would find helpful. _The Complete Tightwad Gazette_ by Amy Dacyczyn...

Living on a Budget, Saving Money: saving money tips, saving money tips, how to manage my money
saving money tips, how to manage my money, advace: Ok Rahdi, Here goes. #1, pay yourself first. Each paycheck or month save 10% of your net pay. #2, Keep track of what you are spending, write down everything! Don t ever eat out, if you do, stop and figure out what it is costing you, eat at home and save the...

Living on a Budget, Saving Money: saving money, homemade muffins, cold cereals
homemade muffins, cold cereals, hot cereal: Hi Carol, It sounds like you have a bit of a frustrating situation on your hands! Some thoughts on saving money on food: First, be wary of coupons- often they are for overpriced, unnecessary products. I rarely use them myself. Buy unprocessed foods as...

Living on a Budget, Saving Money: saving $$$, complete tightwad gazette, discount groceries
complete tightwad gazette, discount groceries, baked muffins: Hi Julie, It sounds like you re on the right track, from what you describe. First, I would like to strongly recommend that you read The Complete Tightwad Gazette by Amy Dacyczyn (also available as three separate books, Tightwad Gazette Part I, II and III)....

Living on a Budget, Saving Money: savings, peaceful neighborhood, nice neighborhood
peaceful neighborhood, nice neighborhood, 30 year fixed rate: Dear Rosemary, I wouldn t worry about what everyone says about mobile or manufactured homes. If your home lasts your lifetime, that s good enough, isn t it? My suggestion is two fold. I hope you get back in touch toward the end of the year and I will help...

Living on a Budget, Saving Money: secured credit card, account thanks, secured card
account thanks, secured card, secured credit card: James: The only way I would do this is if it was an account set up solely for them. I wouldn t use my everyday savings account but a savings that you just keep the minimum needed. However, it does seem very fishy. Usually they want you to give them the...

Living on a Budget, Saving Money: secured credit card, orchard bank, company thanks
orchard bank, company thanks, secured card: basically you show the same level of trust for corporations that i have if it was me i would simply eliminate the problem i would check area banks to find one that would offer me a 300-500 buck savings account that has no monthly fee that is...

Living on a Budget, Saving Money: setting up a budget, fast cash loans, condo insurance
fast cash loans, condo insurance, setting up a budget: Barb: You really, really need to start from the beginning and redo your budget to be sure you are not running in the red monthly. My website has a completely free full budgeting course to get you back on track. http://members.aol.com/moneymstr/index.htm...

Living on a Budget, Saving Money: short term savings goal, credit card debt, savings goal
credit card debt, savings goal, rate of interest: Dear Vicki, There is nothing wrong with having more than one account and I applaud your willingness to wait and save, rather than instant and interest! My suggestion would be to see if there is a promotional savings plan or something that is offering a...

Living on a Budget, Saving Money: smart move?, late bloomer, univ of south florida
late bloomer, univ of south florida, bachelors degree: Hi Todd, Buying a condo could be a good move for you financially. Generally speaking, it is better to own than to rent, since once you own you are building home equity rather than watching it disappear every month in rent. Whether it is the right time...

Living on a Budget, Saving Money: smart move?, late bloomer, univ of south florida
late bloomer, univ of south florida, bachelors degree: I want to buy a condo now before I graduate because my landlord is selling her home in June.(One month early before I graduate which means I need to find another place to live.) Should I take my $5,000 in savings and pay off half of my student debt or should...

Living on a Budget, Saving Money: smart move?, late bloomer, univ of south florida
late bloomer, univ of south florida, bachelors degree: watch out for discover their 0 % offer usually requires you to make a monthly purchase and you end up with a dual rate card i would charge with them and get a chase perfect mastercard if that is not what you have now as for the cards this is where...

Living on a Budget, Saving Money: smart move?, late bloomer, univ of south florida
late bloomer, univ of south florida, bachelors degree: Hi Todd, Sorry, my reply did not go through the first time. Here is my advice to you. You are on the threshold of a brand new life. Regarding buying a home - you might want to wait until you see what the immediate future holds regarding a career. I know quite...

Living on a Budget, Saving Money: smartest financial move?, late bloomer, pharma sales reps
late bloomer, pharma sales reps, univ of south florida: Hi Todd, Congratulations! Now your life will begin again. You say you will get a job in Pharmaceutical Sales. The question is where will your territory be? I know many Pharma Sales Reps. as a matter of fact and they do quite a lot of travelling. Your student...

Living on a Budget, Saving Money: smartest financial move?, time homebuyer programs, late bloomer
time homebuyer programs, late bloomer, univ of south florida: Todd: I am not a loan officer so I m not sure what the right thing to do would be. Since you are starting to think about this now (before June), I say find a lender that is willing to work with you. Go get prequalified to see if you can get a loan on...

Living on a Budget, Saving Money: smartest financial move?, late bloomer, univ of south florida
late bloomer, univ of south florida, time home buyer: Hi Todd, thanks for your questions. Congratulations on getting ready to graduate, having savings and no credit cards! First, I would go and talk to several mortgage brokers. Mortgage brokers are independents and represent lots of companies who provide mortgages....

Living on a Budget, Saving Money: starting a budget, consumer credit counselor, borrowing money
consumer credit counselor, borrowing money, credit debt: You can get the start up of a budget by using my free online budgeting course at http://members.aol.com/moneymstr/index.htm Your budget will consist of bills AND cash items. Bills are a part of your budget, not seperate. But you also can t forget the cash...

Living on a Budget, Saving Money: steve, health insurance premiums, speaker building
health insurance premiums, speaker building, executive life: Hello Conmathias, I am not sure what you are asking. If I were to put on my life coaching hat, I would have to say that you have no control over neither your brother nor your mother s response to his actions. The best you can do is to be supportive. ...

Living on a Budget, Saving Money: stuck and desparate, cindy cindy, michael gerber
cindy cindy, michael gerber, e myth: Hi Paula, I feel for you and your situation, Paula. Here are a couple of thoughts. First, if you are feeling depressed, I recommend you get a good physical check up. Losing a job and starting a new one (especially one you don t like) and getting divorced...

Living on a Budget, Saving Money: student loan consolidation, unsubsidized stafford loans, student loan consolidation
unsubsidized stafford loans, student loan consolidation, mae loans: i have no real experience with this area but if it were me i would ask my local banker if they can help i would also contact my local state rep to see if the could direct me to a reputable state or fed program you might also see if you can get...

Living on a Budget, Saving Money: student loan consolidation, unsubsidized stafford loans, student loan consolidation
unsubsidized stafford loans, student loan consolidation, mae loans: This subject is by far NOT my expertise but I ll take a stab at it for you. I believe, someone could consolidate them (which could lower the over all payment) but the interest rate and terms would still probably be the same....maybe..... I am not super...

Living on a Budget, Saving Money: student loan vs. buying a first home, student loan payments, student loan debt
student loan payments, student loan debt, fico score: Hi Christina, good question. To provide you with a really complete answer, I would need more information about your take-home pay and other expenses. But here are a few recommendations for you. 1. Make all your payments on time. You may be doing this already...

Living on a Budget, Saving Money: student loans and debt/budget, debit card purchases, highest interest rate
debit card purchases, highest interest rate, budget template: The first step for you is to create a budget, by week preferably. I m not sure if you have any household expenses like rent or student housing, or your share of utilities. These should be listed first, then how much you normally spend on food. Then add...

Living on a Budget, Saving Money: Telephone service for Seniors, home telephone service, long distance service
home telephone service, long distance service, free long distance: Hello and thank you for asking me your question. 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 I can suggest that you do is to call each company and ask if they have deals and also if they have free long...

Living on a Budget, Saving Money: Things to budget for, license plate renewals, furniture appliances
license plate renewals, furniture appliances, home furniture: In the short term, you need savings for: Gifts - Christmas and Birthdays Car Maintenance License Plate Renewals Insurances (if not paid monthly) Tax Preparation Continuing Education Needs Clothing Medical Care (Deductible) Eyecare Vacations/Travel...

Living on a Budget, Saving Money: Time to buy car???, ford probe, spending cash
ford probe, spending cash, preventative maintenance: Hi Sondra, No I would advise that you do not buy a car. For a car that is more than 10 years old and only 114K miles you are doing well. It also depends on where you are driving to, highway, freeway or around town. Remember that once you retire you probably...

Living on a Budget, Saving Money: Tips on saving, bad mistake, car cause
bad mistake, car cause, fico score: Todd, Ok with extra info. I agree with you on auto. As to condo based on your income you probably would not qualify to buy. Your rent is rock bottom so I would stay pat until after college. Once you have a year behind you in your chosen field then you can...

Living on a Budget, Saving Money: Trading vehicles, kelly blue book, honda pilot
kelly blue book, honda pilot, mileage: If you were to try to get a trade-in on your 2004 Honda Pilot, the dealership would probably offer you about $10,000 for it. That would leave you $4,500 upside down on your current loan and you would need to add that amount onto whatever vehicle you purchased...

Living on a Budget, Saving Money: Transaction Fees, effective interest rate, credit card debt
effective interest rate, credit card debt, finance charge: Dear Larry, If you ve been doing this for the past several years I don t understand why there is still credit card debt. If you are not paying interest, then increase the payments. It sounds like you are just working at beating the interest. Perhaps...

Living on a Budget, Saving Money: Trying to get out of Debt, credit card balances, credit card interest rates
credit card balances, credit card interest rates, home equity loan: Hi Andrew, thanks for your question. I feel your pain. I ve been there, and so have most of my clients. There s no quick fix to your problems. You need a change in both your thinking, and your behavior. And you probably need some significant hand holding...

Living on a Budget, Saving Money: I am thinking of bankrupcy, free confidential consultation, debt collection practices
free confidential consultation, debt collection practices, fair debt collection practices: Alex, thanks for contacting me. first of all, let s sit down and figure out how much in debt you are. Have you done this? Your creditors do NOT have the right to harrass you, did you know this? Please got to ftc.org and obtain a copy of the Fair...

Living on a Budget, Saving Money: Any tips?, tips on saving money, local farmers markets
tips on saving money, local farmers markets, grocery expenses: Hi Sue, I think what you have touched on is a question about quality versus cost. I would suggest that you look around your local area an start keeping an eye out for reasonably priced, yet high quality food stuffs. Once you know what the lowest possibe...

Living on a Budget, Saving Money: How tough is this question?, old bachelor, insurance food
old bachelor, insurance food, colon cancer: Thank you for your question. Congratulations on having no credit cards. Knowing your expenses is the best way to begin organizing your finances. Here are a few quick tips to get started... Identify your monthly expenses to live in your home. Include...

Living on a Budget, Saving Money: trying to get a Credit card, reg card, girlfrind
reg card, girlfrind, best buy: best buy is underwritten by bank one get approved for a 0% for a year computer purchase and get the reg card at the same time use 25k as your income because you also make 10k from sale of amway and tupperware which require no business license or...

Living on a Budget, Saving Money: U.S. Budget, personal belief, budget deficit
personal belief, budget deficit, iraq war: Dear Jim, I believe you are correct, at least in part. Much of the Iraq war budget is taken from a different budget than the one that we hear is so detrimentally deficient. It is my personal belief that the American people will truly be shocked at the...

Living on a Budget, Saving Money: unsecured credit card debt, credit card debts, unsecured credit card
credit card debts, unsecured credit card, local car dealer: again my question is will the equity line you get to pay off your 35k balance reduce your tax bracket ie your interest is 300 a month so 3600 a year if you are in the 25% bracket will that extra interest deduction allow you to get to the 15%...

Living on a Budget, Saving Money: Another vicious cycle, montgomery gi bill, mail volume
montgomery gi bill, mail volume, monetary aid: Hi Tracy, thanks for the courage to put this down on paper and contact me. I m going to recommend that you get in touch with a nonprofit credit counseling agency. A good starting place is the National Foundation for Credit Counseling (http://www.nfcc.org/)...

Living on a Budget, Saving Money: Warrant in Debt, medical bill, collection agencies
medical bill, collection agencies, sum of money: Jeff, one very important piece of information that we all need to know is that in the United States nobody, nobody goes to jail because we owe money, specially in an unsecured debt case like yours. So put your worries aside, and if you are required to go...

Living on a Budget, Saving Money: Ways to make money...., own entertainment, true methods
own entertainment, true methods, managing money: Hi, congratulations for taking the initiative to earn money on your own. There are always the tried and true methods of babysitting, lawn work or getting a job (depending on how old you are). Another thing to do is to sit down with your parents and really...

Living on a Budget, Saving Money: Ways to make money...., mobile oil change, oil change service
mobile oil change, oil change service, quick lube: You and my son were in the same boat..... He turned 16 and found a job. Before that, he did whatever he could. He and a friend ran a display ad in the newspaper saying they were willing to do odd jobs like clearing brush, lawn mowing, snow shoveling, etc....

Living on a Budget, Saving Money: Ways to save, cindy cindy, budget guide
cindy cindy, budget guide, grocery purchases: Hi Troy, looks like you are seeking an easy way out! What s easy for some people, isn t easy for others. That being said, here are a few ways you can save money. lunches out coffee out eating out grocery purchases cell phone and landline costs ...

Living on a Budget, Saving Money: Is there any way to pull money out of land equity?, cindy cindy, gas hog
cindy cindy, gas hog, county planner: Hi Louella, this is a good question but one I would steer you to other resources on. A big part of the answer depends on the land use rules in your area which can be very different from state to state. I would check with your City or County Planner as to...

Living on a Budget, Saving Money: wealth management, first principle, roth ira
first principle, roth ira, credit card debt: Every financial planner says something different about the suggested % allocations, but they usually agree on this: if you can, save/invest 10% of your income. It is the PAY YOURSELF FIRST principle and I definitely agree with it. Set up an automatic transfer...

Living on a Budget, Saving Money: Should I be worried?, birthday money, cancer society
birthday money, cancer society, age thanks: I think money training can start from the get go so I don t think you are expecting too much. I do however think that your expectations should be told before he can spend the money. Sometimes you can catch them, and sometimes you can t. The way I ve always...

Living on a Budget, Saving Money: Should I be worried?, charitable donations, birthday money
charitable donations, birthday money, age thanks: Hi Davida, I can see why you would be concerned with this behaviour due to your situation with your ex-husband, however, I think this is typical behaviour for a 7 year old. One of the best things you can do for your son is to help him to learn how to manage...

Living on a Budget, Saving Money: I am a writer and would like..., salaried job, spending cash
salaried job, spending cash, starving artists: sarah: As far as the risks outweighing the gains....that depends on how strongly you feel about it. If you feel in your heart that following this dream is worth the sacrifice you may have to make, then by all means GO FOR IT! You sound like you have it...

Living on a Budget, Saving Money: What should I do, hood river oregon, e book free
hood river oregon, e book free, cindy cindy: Hi Joe, congratulations for asking financial questions so early in your life! The best thing you can do in the next year or so is to keep yourself out of debt. Student loans and credit card debt can really impact your ability to successfully navigate getting...

Living on a Budget, Saving Money: how?, buying a second hand car, second hand car
buying a second hand car, second hand car, true pleasure: Hi Sean, First things first. You need to make a budget, track everything you are spending, save 10% of your gross (that means pay yourself first). You have to ask yourself, what does having a good time mean to you? Does it mean spending oddles of money? What...

Living on a Budget, Saving Money: which should I do, free teleclass, irregular expenses
free teleclass, irregular expenses, complimentary class: Hi Lisa, it s difficult for me to comment further without knowing what your income situation and other expenses are and that s too involved for a forum like this. I still recommend that you attend one of my free classes if you can. Best wishes to you...

Living on a Budget, Saving Money: xmas gifts, holiday food gifts, hot cocoa in a jar
holiday food gifts, hot cocoa in a jar, fabric swatches: Hi. Sorry my answer is so late - I have been gone for the holidays. There are lots of things that you can make - I would start with a search on Google.com - I have found it to be THE MOST valuable tool when seeking answers such as this. Just type in key words...

Living on a Budget, Saving Money: Yard Sales -- what to sell?, doll clothes, coffee machines
doll clothes, coffee machines, baby clothes: Hello Amy- Great Question! I have some ideas that might help you, I hope they do: 1. Clothes: old baby clothes, other clothes that just aren t worn anymore or don t fit...great for selling! 2. Magazines/Books: Also good to sell. For mags, you might want...

Living on a Budget, Saving Money: young adults, bankruptcy filers, how to balance a checkbook
bankruptcy filers, how to balance a checkbook, writing a feature story: We live in a microwave society. Gotta have it - and can t wait for it. Most young people have undergone 12 years of schooling on the 3 R s, but have not had a single course on how to balance a checkbook or manage money. Society pressures and ignorance are...

Living With Disabilities: cataracts, cataract surgeries, cataract operations
cataract surgeries, cataract operations, cataract surgery: Dear Henriette, Firstly let me tell you that from what I just read, I admire you greatly and think you are a very brave woman. I am so glad God brought you through all that, and has given you a good last year and a half. I totally understand your fear....

Living With Disabilities: change in attitude?, cataract surgeries, visual acuity
cataract surgeries, visual acuity, bad vision: Hello Kevin, You sound a lot like myself, actually. I have had bad vision since birth. It d been around 20/200 for years, until I had some bad experiences with cataract surgeries that lead to many retina detachments in my left eye. I have very poor vision...

Living With Disabilities: Job Security, vocational job, slow learner
vocational job, slow learner, learning disability: In most states there is a vocational placement service called VESID. This service deals with testing, training, and retraining of vocational job skills. It sounds like there is a gap in what you want to do versus what you are able to do. You would benefit...

Living With Disabilities: Toe Problem, circulation problems, poor circulation
circulation problems, poor circulation, iron levels: In the past, I had similar problems with burning in my feet. About 2 years ago, I was diagnosed with anemia (low iron). Prior to being treated for it, I also had circulation problems with my feet and lower legs always being cold. Since the treatments I haven...

Living With Disabilities: Person w/ Disability RIGHT TO HAVE A PET, hud regulation, hud housing
Living With Disabilities: Person w/ Disability RIGHT TO HAVE A PET, hud regulation, hud housing, apartments

Living With Disabilities: Parking Citations for Handicapped Vehicles, handicapped parking space, multiple schlerosis
handicapped parking space, multiple schlerosis, car front: You must take the ticket to court on the day you are assigned a hearing. I don t know what state you live in but that is the standard for most states. If the court hearing date for the ticket has passed you must pay the ticket or be censured in some form....

Living With Disabilities: Person w/ Disability RIGHT TO HAVE A PET, time pets, chronic depression
time pets, chronic depression, constant companion: Susan... With a doctor s note you would qualify for protection under HUD regulations. No pet deposit is to be paid under these regs. But you will have to pay your landlord if the animal does any damage...just so you have a heads up. Go to your doctor...

Living With Disabilities: Ehlers-Danlos Syndrome & Surgeries, ehlers danlos syndrome, mail group
ehlers danlos syndrome, mail group, canadian ehlers danlos association: Most doctors are clueless about EDS. Your best bet to find a doctor familiar with EDS is to ask for referrals from the CEDA (Canadian Ehlers Danlos Association) e-mail group. http://health.groups.yahoo.com/group/ceda/ Don t let the name fool you, it s run...

Living With Disabilities: Appealing to your experience..., lynn cox, alice in wonderland
lynn cox, alice in wonderland, fiction piece: Dear Sadie, Hope I can be of some help. Here goes. I took art all throughout my school years, and even in college. I have found it much easier to draw from my mind s eye, than still life. I was stuck taking two still life classes, though, and both times...

Living With Disabilities: Definition for legal blindness, total blindness, low vision as a disablitily, legal blindness, low vision
legal blindness, low vision, dept of education: Sorry it has taken me a bit to get back to you. The best advice I can give you is to check with the Association for the Blind in your area or go online and contact the national organization. These resources will be better equipped to answer your questions...

Living With Disabilities: PLEASE EXPLAIN, barwick, cerebral palsy
barwick, cerebral palsy, brains: Hi Cameron and thanks for writing, People who have CP may have grown a bit slower as babies before they were born so their brains didn t get a chance to develop completely. So because the brain grew a little bit slower it works a little bit slower, this...

Living With Disabilities: PLEASE EXPLAIN, communication difficulty, cerebral palsy
communication difficulty, cerebral palsy, true nature: I can read your question, and therefore answer it, in two possible ways: The first way is by focusing on your question exactly as it is written: why do I have to have things explained to me in simple terms...? with the key words being have to . The answer...

Living With Disabilities: PSC Cateracts, posterior subcapsular cataract, cataract surgery
posterior subcapsular cataract, cataract surgery, improved vision: Lisa, This is what I found when I googled PSC. Below is the biggest symnptom it causes. Paradoxical Vision. Poor vision in bright light and improved vision in dim light may seem contradictory at first, but the answer depends on the type of cataract that...

Living With Disabilities: C1-C2 fusion in a 5 year old, email support group, danlos national foundation
email support group, danlos national foundation, ehlers danlos: Sorry to hear about your daughter s ordeal. I can t offer medical advice, particulary with fusions as I have not had one. I would recommend seeing a specialist. The best doctors for EDS, in my opinion, are Dr. Nazli McDonnell at NIH in Baltimore, MD...

Living With Disabilities: transportation for cripples, public vehicles, cripples
public vehicles, cripples, ncdot: Hi Anna, People who have impaired mobility can benefit from many adaptations to sidewalks and vehicles. I would suggest searching the web for specifics (which I ve done some of). Here are some valuable links: http://www.ncdot.org/doh/preconstruct/altern/value/manuals/handi.pdf...

Living With Disabilities: blindness, vision issues, sticky film
vision issues, sticky film, good eye: Zoe, That could be because your good eye gets tired and dry. My good eye gets a sticky film over it, from my using it too much. Especially after being on the computer for a long time. Because I have to use the good eye so much, I do not blink as often as...

Living With Disabilities: Brackmann De-Lang, cornelia de lange syndrome, jahrbuch fur
cornelia de lange syndrome, jahrbuch fur, de lange syndrome: Hi Susan, I was under the impression that Brachmann de Lang and Cornillia de Lange syndrome were one in the same. The CDLS web site appears to confirm this. I then looked on MedicineNet.com and found this: The syndrome is named for a Dutch physician,...

Living With Disabilities: NEW HOME, Assistance for the Physically Impaired
Assistance for the Physically Impaired: Hi Jim and thanks for writing, The best people to talk to would be: Robert Langford Ph.D., President Texas Center for the Physically Impaired 11330 Quail Run, Dallas, Texas 75238 Tel: (214) 340 6328 Fax: (214) 340 0870 E-mail: boblang@airmail.net...

Living With Disabilities: Disable/can;t get needed help!, everyday god, free clinics
everyday god, free clinics, medical help: Dear Belinda, I can only imagine what you are going through! I too lived for several years with chronic pain that effected my work, sleep and everyday life, but it sounds like you are facing much greater challenges than that. I would suggest contacting...

Living With Disabilities: EDS, massage therapist, modality
massage therapist, modality, eds: Michael, I am going to refer your question to my father, Michael Uggen, LMP. He is a licensed massage therapist who also has EDS. He is currently attending a seminar out of town, but will be back next week. You can reach him at mike@uggen.net or visit...

Living With Disabilities: Disable/can;t get needed help!, nieces, disability
Living With Disabilities: Disable/can;t get needed help!, nieces, disability, good luck

Living With Disabilities: Possible Future Disability Issue, social security disability, disability related services
social security disability, disability related services, department of vocational rehabilitation: Mike... You will qualify for Social Security Disability only if you have paid into the Social Security System. As for training look up the Department of Vocational Rehabilitation. If you are a veteran contact Veterans Affairs. Also... contact Department...

Living With Disabilities: Possible Future Disability Issue, social security disability, department of vocational rehabilitation
social security disability, department of vocational rehabilitation, mortgage disability: Mike, I am not an expert on social security disability (SSDI), so I encourage you to speak with a social security attorney or consultant. I know several people with EDS who have applied for SSDI, but from what I understand, the process is difficult and...

Living With Disabilities: Possible Future Disability Issue, social security office, disability issue
social security office, disability issue, medical measures: Hi Mike, I apologize for taking so long to reply to your question. Sounds like you re in quite a bit of pain... sorry to hear that. Though I am not a doctor, I do recommend that you see a chiropractor as well as a massage therapist, if insurance allows(they...

Living With Disabilities: Possible Future Disability Issue, disability issue, type of disability
disability issue, type of disability, disability income: Mike, First thing you need to know is what the problem is. It could be a very simple thing. Let me ask, are you over weight? If you are this may contribute to your pain. If I were to guess I would say sciatica because of the constant sitting. However, I...

Living With Disabilities: selection of IOL for cataract, iol lens, vitreous jelly
iol lens, vitreous jelly, retina surgery: I had a similar problem, because the pouches in both my eyes were not fully formed and were both very weak. The doctor had no trouble retrieving the natural lens (which is what your doc will take from your eye), but he was not able to put the IOL in the pouch...the...

Living With Disabilities: dyspraxia, clumsy child syndrome, developmental apraxia of speech
clumsy child syndrome, developmental apraxia of speech, verbal dyspraxia: Definition Dyspraxia is a neurological disorder of motor coordination usually apparent in childhood that manifests as difficulty in thinking out, planning out, and executing planned movements or tasks. The term dyspraxia derives from the Greek word praxis,...

Living With Disabilities: EDS type III and pregnancy, internet support groups, eds type
internet support groups, eds type, skin biopsy: People with different types of EDS can varying symptoms. Another person with EDS, Maggie Buckley, wrote a very good article explaining EDS symptoms as poker chips. I ll try to paraphrase her example. Each type of EDS has a list of symptoms. For example,...

Living With Disabilities: EDS type III and pregnancy, brain aneursym, eds type
brain aneursym, eds type, eds foundation: My first question for you is, have you had a skin biopsy test for VEDS? For many years, the skin biopsy was the only test for VEDS. The blood test is not 100% accurate, but it is close. If you feel you need reassurance or are simply not confident with...

Living With Disabilities: ehlers-danlos type lll, ehlers danlos, department of motor vehicles
ehlers danlos, department of motor vehicles, car sticker: EDS can be a reason to get a disability plate/placard if your symptoms warrant it. EDS by itself doesn t necessarily automatically mean you are eligible for a placard because symptoms can vary widely from person to person. To get a disability plate/placard,...

Living With Disabilities: Help for persons with spinal cord injuries, north orange county, spinal cord injuries
north orange county, spinal cord injuries, orange county computer: Mini Grants for Artists with disabilities (could swing $500 for a laptop if this person wants to make some art) http://nadc.ucla.edu/announc1.cfm?ID=20 These folks may be of some assistance: Assistive Technology Exchange Center ATEC http://cate.ca.gov/...

Living With Disabilities: housing for disabled, epilepsy
epilepsy: Hi Crystal and thanks for writing, I guess it depends on whether you would be safe living on your own. Have you ever looked in to getting a special needs dog that could warn you when a seizure was coming? I hope it all works out for you, Margo...

Living With Disabilities: cataract removal abd diabetes, cataract removal, reading glasses
cataract removal, reading glasses, iol: Dear Uma, God bless you, too. I had been fixed for distance in both eyes. After some trouble I had with the IOL in my right eye, I had it taken out and now that eye has nothing at all in it. I wear glasses, instead of using an IOL. I did spend a year...

Living With Disabilities: Informative speech on Intellectual Disabilities, sherry brown, persausive speech
sherry brown, persausive speech, intellectual disabilities: Sherry, Tough question!! Couple of thoughts, you could give a overview on a topic such as Developmental Disabilities Talk about what they are (definition) and possible causes. Point two could be communities perception, and point three would be the perspective...

Living With Disabilities: Intellectual Disabilities, Intellectual Disabilities in Virginia
Intellectual Disabilities in Virginia: Hi Sheery, These links might help... http://www.bestbuddiesvirginia.org/site/c.bgLLI1OIKtF/b.1069157/k.8378/General_Info.htm http://psychservices.psychiatryonline.org/cgi/content/full/59/6/699-a http://www.cdc.gov/ncbddd/dd/mr3.htm http://www.dmas.virginia.gov/downloads/pdfs/ab-ltc_medicaid_waiver.pdf...

Living With Disabilities: DSSI, life insurance policies, ssi benefits
life insurance policies, ssi benefits, gov pubs: Here you go: http://www.ssa.gov/pubs/11000.html#part3 Resources (things you own) Resources that we count in deciding whether you qualify for SSI include real estate, bank accounts, cash, stocks and bonds. You may be able to get SSI if your resources...

Living With Disabilities: EDS question, department of vocational rehabilitation, applying for disability
department of vocational rehabilitation, applying for disability, dislocations: Check into the department of vocational rehabilitation. DVR provides accommodations to help her get assistance for going to school or working. As for getting disability, the best advice I can give is to work with an attorney who specializes in applying for...

Living With Disabilities: Ehlers Danlos Syndrome, ehlers danlos syndrome, root canals
ehlers danlos syndrome, root canals, dental issues: I don t know much about specifics of root canals, although I know several people with EDS who have had them, including my father. Best thing to do is ensure your dentist knows EDS and the possible risks. EDS Today reprinted an article on dental issues here:...

Living With Disabilities: Memory loss, Memory supplements
Memory supplements: Hi Shari and thanks for writing, I think you need more than Vitamins ad would suggest you try going to a Memory Specialist or taking a memory-enhancing program. If you want a list of supplements known to help brain function and memory, here is a list...

Living With Disabilities: referral of doctor in phoenix area, ehlers danlos syndrome, phoenix area
ehlers danlos syndrome, phoenix area, hoping that someone: I am not in the Phx area and don t know of any docs there, but I do know someone with EDS who lived in the region awhile back. She s on vacation right now, but when she gets back, I can ask her for a referral for you. I want to say the doctor she likes is...

Living With Disabilities: Is Cleft Palate disability?, cleft palate, employment purposes
cleft palate, employment purposes, edged sword: To be honest if you were standing in front of me I would knock that chip of your shoulder! It is obvious that we come from two different perspectives. I had difficulty speaking into my teen years. It would frustrate me to repeat what I said. That lead to...

Living With Disabilities: EDS, eds type, disability accommodations
eds type, disability accommodations, biochemical test: This sounds like it could be EDS. EDS type III, now called Hypermobile type EDS, is diagnosed with a clinical exam - if the doctor thinks the symptoms fit, you get a diagnosis, but there is no biochemical test as there are with other types of EDS. There...

Living With Disabilities: Resources, assistive technology evaluation, mild tbi
assistive technology evaluation, mild tbi, graduate level work: Hello Kathie, Here is an option, if you haven t tried it already: Brain Injury Resource Line (BIRL) toll free 1-866-635-7097 or 1-800-444-6443 The Brain Injury Resource Line (BIRL) is a toll free number, maintained by the Brain Injury Association...

Living With Disabilities: what can I do to better this situation?, traumatic stress disorder, financial repercussions
traumatic stress disorder, financial repercussions, horrible nightmares: Hi Jeszika, Have you tried these resources? Scranton Area Family Center Jan Hess 541 Wyoming Avenue Scranton, PA 18509 Ph # 570-348-6493 Fax # 570-348-6495 E-mail: safc541@aol.com Ask them to provide voluntary family services to prevent child...

Living With Disabilities: Job placement for severe OCD, vocational rehabilitation service, counselor
Living With Disabilities: Job placement for severe OCD, vocational rehabilitation service, counselor, checks

Living With Disabilities: Job placement for severe OCD, vocational rehabilitation services, indiana family and social services administration
vocational rehabilitation services, indiana family and social services administration, social services administration: Hi Alex, Your fist stop should be to try the Indiana Vocational Rehabilitation Vocational Rehabilitation Services 138 E. Lincoln Highway Schererville, IN 46375 Toll Free: (877)428-8513 Direct: (219)864-8163 Vocational rehabilitation services help...

Living With Disabilities: Motor dysgraphia, motor clumsiness, poor muscle tone
motor clumsiness, poor muscle tone, poor handwriting: Hope this helps. Dysgraphia is a writing disability in which the individual s writing is incorrect or distorted. It can show itself as difficulties with poor handwriting, spelling, that is, wrong spelling and difficulties in putting their thoughts on paper....

Living With Disabilities: cataracts and computer screens, computer god, computer screens
computer god, computer screens, cataracts: Alan, I can only speak from personal experience...and no, I did not find that the computer screen has any baring on the cataracts. However, I was told by my retina doctor that staring at a computer screen, for any length of time, will wear out the eyes...make...

Living With Disabilities: support, What to say
What to say: Hi Sally and thanks for writing, There has been a lot of research proving that positive thinking does help whether you re battling cancer or struggling to walk again. There are also advances in neuro-science every day and stem cell research looks very...

Living With Disabilities: Developmental centers, residential facility, residential facilities
residential facility, residential facilities, outlines: Hi Amber, Thanks for the question. I am the right person to ask. All residential facilities have different rules. Whatever program you are looking into should have a resident handbook that outlines what your responsibilities are. Make sure you ask for...

Living With Disabilities: different stages of blindness., partial blindness, light shapes
partial blindness, light shapes, temporary blindness: Jarita, I m confused about the wording of your question. It sounds like you are saying you have temporary vision loss, in an eye that usually sees well, but also suffers from bouts of vision loss. This is unclear to me. What I will tell you, is anytime...

Living With Disabilities: Help me find the right shoes., right shoes, specialty store
right shoes, specialty store, podiatrist: John, Not quite sure what state you live in. I am in NY and near me we have a specialty store for people with feet problems. You may be able to find that in your area by making contact with you local podiatrist. You should be going into stores to try on...

Living With Disabilities: Can one on disability inherit money without losing benefits?, medicaid benefit, disability payment
medicaid benefit, disability payment, special needs trust: Hi Steve. I have seen folks inherit money and lose their Medicaid benefit, but I have to admit that my expertise is not in Medicaid funding. Any chance you could give the money while you re alive? You may be able to set up a special needs trust which...

Living With Disabilities: Can disabled person inherit money without losing payments?, disability payment, disability payments
disability payment, disability payments, best bet: Steve, This question is best answered by an attorney. I know in NY you can receive up to 10,000 in the form of a gift without penalty. I m sure in this economy the government would try to get some of that money. So again an attorney would be your best bet....

Living With Disabilities: Hey again, department of vocational rehab, disability cases
department of vocational rehab, disability cases, accommodation network: I m not a disability expert, so my best advice would be to consult an attorney that handles disability cases. I only know 1 person who got disability on his first application without an attorney. If you can t get disability, there are other programs that...