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  1. Debt Reduction & Money Management
    Hey everyone, I'm new here... I found this site and figured this seemed like a pretty good place to check out! I have a couple questions, and I am hoping you guys can help me out. My wife and I have some debt between the two of us. All of it combined, minus student loans, which by themselves...
  2. Dave Ramsey
    Hey all, So my wife file chapter 13 about 3 years ago and we are in the process of the payment plan as mandated by the bankruptcy court. Since then I purchased a car for her, the note is in my name so is the car, she is on the insurance. Since the bankruptcy we have been working very hard to...
  3. Automotive
    Hi, I ran across this forum while searching for the answer to my question. In addition, I happen to be quite frugal as well, so yeah; I'm loving this forum! I bought a new 2011 Mazda 3 last year and put a large down payment on it. I currently owe $12,229.85 on it at 1.99% for the next four...
  4. Debt Reduction & Money Management
    Kind of a similar vein to the other mortgage ? going on here-Suze Orman always tells people NOT to pay down extra on their mortgages IF it's not the house they'll keep long, long time or IF they're underwater. Why? We hope to move in perhaps 5 years or so, our house is currently roughy $15-20k...
  5. Debt Reduction & Money Management
    My ultimate goal concerning our finances has been paying off our mortgage. I have always thought that once the home is "ours" that our monthly bills will be almost nothing. However, I'm now realizing that we'll still be paying out a huge chunk every month for property taxes and insurance. We...
  6. Debt Reduction & Money Management
    So here's my story. My husband and I have 2 little girls (4 and 1) with a new one on the way in September. We have always rented apartments while we try and save for a down payment for a home. Well we have finaly looked into home loans and we have been pre-approved for a USDA home loan - which...
  7. Debt Reduction & Money Management
    Hello all, First time poster. I want to grow up and get rid of my debt. I don't know where to start. I feel like the debt collectors are going to screw me over. I am about 12k in debt with the majority of it being in a repo'd car. I don't own any property. Should I contact a lawyer about...
  8. Debt Reduction & Money Management
    We are in a situation where we lost our house 2 1/2 years ago so we have to rent for now. We live in a suburb of Minneapolis and we are paying 1,100 a month for a 3 bedroom track style home. We also have a full unfinished basement that our boys are in right now. We are thinking of moving in July...
  9. Debt Reduction & Money Management
    Would you pay your property taxes as assessed at full market value if your home has lost 50% or more in value due to a major disaster? We figure we lost about 80% some have no house at all and are expected to pay. For the first time in our lives we are "deadbeats". We haven't paid our school or...
  10. General Chat
    This definitely warmed my heart....seems to be a trend this year especially at KMarts Definitely worth the read. Yes, Virginia, there IS still a Santa...they are called people with a heart Kmart Secret Santas: Anonymous Donors Pay Off Strangers' Layaway Accounts
  11. Dave Ramsey
    I never thought so, until I read this article: The Return Of Debtor's Prisons: Thousands Of Americans Jailed For Not Paying Their Bills | ThinkProgress has anyone heard about this? Is this concerning to anyone?
  12. General Chat
    Ok everyone looking for some help here. We have raised our son and taught him about debt currently he is in his 2nd year of college lives at home and works 25-30hrs a week. So he has been able to pay for college as he takes the classes and currently has next years tuition sitting in bank. The...
  13. Debt Reduction & Money Management
    A dear friend is for the most bed bound and on better days wheel chair bound now. She had steps going up a good hill that took 3 people and a good amount of time to get her down. She couldn't get the wheel chair through most doorways in the house. She also needed the bathroom handicap ready. It...
  14. Home Environment
    I made an appointment with a realtor (Sulek and Dutton) to look at 2 houses one is a 4 bedroom, 1 bath house with a 2 car garage, for $12,000 it has beasutiful woodwork and a great staircaise, it is in town in Martins Ferry, OHIO and the other is on Coleraine Pike out in the country for $18,000...
  15. Goals and Dreams
    Hi, this is my second post. I found this forum about a week ago when I faced the fact that financial meltdown was imminent. I knew it was coming I just couldn't deal with it. I don't think there is a space for personal thoughts that don't contribute to a topic so I decided to jump in here with a...
  16. Debt Reduction & Money Management
    I am trying to get my family out of debt. We have a lot of small bills (anywhere from $200-$500) that seem like they should be easy to snowball. Now, we are receiving notices in the mail from various creditors, like Calvary, etc., who are offering us discounted amounts. Is it safe to pay...
  17. Debt Reduction & Money Management
    I was thinking i might pay off cc and last hospital bill this month but today i just sent in an extra amount to each one got them down to less then $1000. for both of them so if nothing drastic happen will be paying them both off first May i just didn't want take a chance something happening and...
  18. General Chat
    I am on such an endorphine high right now... who knew that paying bills could give you such a rush??? :yikes: My car is paid in full.... all of March's bills have been paid, and we still have more money coming in next week. :cheer4: If I keep knocking them out at this rate, I think I may faint...
  19. Health and beauty
    Wow! My daughter just found out that Coventry is paying for gym memberships at 24 hour fitness. Her dad carries her. I don't know for how long or all the details, but they told her to take her insurance card up and join for free and that's what they did. Is this something new? Anyone heard of...
  20. Debt Reduction & Money Management
    Don't forget to join the Debt Reduction Challenge and post your payments! Our goal this year is $600 000, and we are way off target :eek: So come on over and help us out!
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