Atomicflea Thank you for the link, sorry I'm so exhausting, I'll try to ware you out less in the future. shadowrelm Thank you for the dissertation on money, and I agree on all your points except I'm doing all that already, and its still not enough, Sadly the biggest payment is to Discover, I had to find some way to pay for my divorce (she was cheating on me) So I carry that six grand debt with me now, lucky me. While I still pay child support, when I take care of him more than she dose... But I digress. Hellboy the Hand that’s cool I look forward to your opinion of my scribbling.
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On my last legs hereFollow
Dude, get yourself a gun and end it all. If you cant afford it, then just wrap a towel around your head, tape some hot dogs to your body and run into a bank or Federal building yelling Jihad. That will end all your suffering. Remember what we learned from M.A.S.H.; Suicide is painless.
From waht I have noticed....
If there is a lack of something in your life, it is usually due to an excess of another thing.
Find out waht that excess is and trim it up.. and everything else will balance out.... imbalances happen, you just have to re-adjust to balance it in your favour.
If there is a lack of something in your life, it is usually due to an excess of another thing.
Find out waht that excess is and trim it up.. and everything else will balance out.... imbalances happen, you just have to re-adjust to balance it in your favour.
43 posts
jademage wrote:
except I'm doing all that already, and its still not enough
I worked from home for a long time through a local loan company. They needed telemarketers and I needed to stay home with my kids. They set me up with Vonage and sent me my call list and nothing came out of pocket from me.
As for your debt situation, I am to assume that you don't own your home otherwise such a paltry amount would have been cleared up with a home equity loan or a debt consolidation loan through your mortgage company.
And unless you are living off of Ramon noodles and water, then trust me you aren't doing all you can do to not spend quite so much.
Prepare a budget. List all your expenses and your take home income. Do it by month or by paycheck. You should be able to calculate exactly how much you are in deficit each month. Be realistic with things that you pay for in cash, look at you past monthly expenses by looking at cash withdrawals from your banks. Put that in your budget. If you spent more in cash than you can accoutn for put the differential in misc. figure it out later, it will come up. Then when you have your deficit number, look at each expense and see if you can reduce or eliminate it. I was faced with a similar problem a year or so ago and a budget helped a lot. I changed the family cell phone plan to save money, reduced cable TV extras to save money, refinanced a car loan to lower monthly payments and interest rate, kicked butt around the house to get heat/gas and electric bill lowered. Understanding where your money goes and how short or how much surplus you have, can be a real peace of mind bonus. It is also a real accomplishment to look at you bank statement and your deficit/surplus in bank at the end of the month is what you calculated in your budget.
One problem is that many credit cards are charging a higher min payment per month based on a law change; this is actually a good thing for future purchase as you less likely to get into too much debt, too quick and then stay there. However, if you were already carrying a balance your payment per month probably went up.
Next after a budget, get a copy of your credit reports (should be free once a year, though your Credit score may require a fee, providian provied me mine free every month on the web for having a providian credit card, it helps to know that you efforts are working) for you and the wife. Get those credit scores up, always pay at least $1 more than min for stuff on your credit report and never pay those late, i.e. credit cards, mortgage, car loans, etc. and these are the ones that usually hit you with nasty late fees in addition to the credit report hit. For stuff not on your credit report like gas, electric, phone, internet access, etc. you do not need to pay above the min, and lateness will not go on your credit report, however they may charge late fees, though usually not as much as the prior group.
Next Consolidate some debts if your credit score lets you. I consolidated 4 credit cards into one and saved about $150 per month, turns out they were all owned by same company even though technically different and I did not need open credit to consolidate. But if you do have credit cards with available credit they often offer lower rates for consolidating other cards. When you consolidate, keep the other cards if they do not charge annual fees, your debt to available credit ratio effects your credit score if under 40%. and paying more than min per month on multiple accounts will raise your score faster then just one.
Avoid scam agencies that say they can eliminate debt they often charge a fee upfront and accomplish nothing. Talk to people who actually were helped by an agency before going to them.
When you have a budget and have done all that everyone suggests, come back here and let us know if you are still in a deficit per month by more than you can make up by cutting cash expenses down a little. My current budget in still in deficit but only by a little less than a couple hundred which I can make up by buying household and some food items in bulk, plus avoiding overpriced convience stores, ie shopping around. I expect my deficit to be a surplus when the primary car is paid off in 11 months.
Good luck
Edited, Jul 7th 2006 at 2:35pm EDT by fhrugby
One problem is that many credit cards are charging a higher min payment per month based on a law change; this is actually a good thing for future purchase as you less likely to get into too much debt, too quick and then stay there. However, if you were already carrying a balance your payment per month probably went up.
Next after a budget, get a copy of your credit reports (should be free once a year, though your Credit score may require a fee, providian provied me mine free every month on the web for having a providian credit card, it helps to know that you efforts are working) for you and the wife. Get those credit scores up, always pay at least $1 more than min for stuff on your credit report and never pay those late, i.e. credit cards, mortgage, car loans, etc. and these are the ones that usually hit you with nasty late fees in addition to the credit report hit. For stuff not on your credit report like gas, electric, phone, internet access, etc. you do not need to pay above the min, and lateness will not go on your credit report, however they may charge late fees, though usually not as much as the prior group.
Next Consolidate some debts if your credit score lets you. I consolidated 4 credit cards into one and saved about $150 per month, turns out they were all owned by same company even though technically different and I did not need open credit to consolidate. But if you do have credit cards with available credit they often offer lower rates for consolidating other cards. When you consolidate, keep the other cards if they do not charge annual fees, your debt to available credit ratio effects your credit score if under 40%. and paying more than min per month on multiple accounts will raise your score faster then just one.
Avoid scam agencies that say they can eliminate debt they often charge a fee upfront and accomplish nothing. Talk to people who actually were helped by an agency before going to them.
When you have a budget and have done all that everyone suggests, come back here and let us know if you are still in a deficit per month by more than you can make up by cutting cash expenses down a little. My current budget in still in deficit but only by a little less than a couple hundred which I can make up by buying household and some food items in bulk, plus avoiding overpriced convience stores, ie shopping around. I expect my deficit to be a surplus when the primary car is paid off in 11 months.
Good luck
Edited, Jul 7th 2006 at 2:35pm EDT by fhrugby
You didn't mention why your wife is going on bed rest, but I recommend you try to line up as much friends and family to give a hand with help around the house and meals. See if your health care will pay for someone to come in to help her too.
I did 13 weeks of bed rest when I was pregnant with my youngest. Best help I had was a friend who arranged childcare for my girls, while I was hospitalized 5 times. Worst was my mom coming to stay for 2 weeks, we had to send her home before she and my ex tried to kill each other. After I was off bed rest I often ran into parents from my daughter's kindergarten class, who had care for my girls. I couldn't thank them enough.
Bed rest is very boring so lots of good books, crafts and a TV remote at hand do a lot for her spirits. Make the room comfortable as you can. My youngest still loves the baby blanket I made her. She will get very bored looking at the same 4 walls all the time.
Make time for yourself, but remember she going to get upset over little things, if she feels you are having fun while she is stuck in bed. Don't engage in any activity she isn't allow, around her. Sex was no no for me, and I still am upset my ex couldn't jack off in another room. Having to listen to him play games in next room was also a sore point for me.
Bedrest is very stressful and will make your money problems seem minor.
I did 13 weeks of bed rest when I was pregnant with my youngest. Best help I had was a friend who arranged childcare for my girls, while I was hospitalized 5 times. Worst was my mom coming to stay for 2 weeks, we had to send her home before she and my ex tried to kill each other. After I was off bed rest I often ran into parents from my daughter's kindergarten class, who had care for my girls. I couldn't thank them enough.
Bed rest is very boring so lots of good books, crafts and a TV remote at hand do a lot for her spirits. Make the room comfortable as you can. My youngest still loves the baby blanket I made her. She will get very bored looking at the same 4 walls all the time.
Make time for yourself, but remember she going to get upset over little things, if she feels you are having fun while she is stuck in bed. Don't engage in any activity she isn't allow, around her. Sex was no no for me, and I still am upset my ex couldn't jack off in another room. Having to listen to him play games in next room was also a sore point for me.
Bedrest is very stressful and will make your money problems seem minor.
In the place of a Dark Lord you would have a Queen! Not dark but beautiful and terrible as the Morn! Treacherous as the Seas! Stronger than the foundations of the Earth! All shall love me and despair! -ElneClare
This Post is written in Elnese, If it was an actual Post, it would make sense.
This Post is written in Elnese, If it was an actual Post, it would make sense.
Switch the $6k from Discover over to another card ASAP. There are a couple of reasons for this:
1. Discover is one of the few companies that will not make deals with debt reduction companies (like the one Flea linked). There is another that they warn you about, but I am blanking right now as to which one also won't deal.
2. Discover also tends to have one of the highest interest rates on the market (MBNA is also way up there).
Also, when you switch, find a card that will give you a low interest rate (3.99% is common now) for as long as the debt is on there. Where they get you is if you ever put anything else on the card, they will keep paying down the principal on the $6k at 3.99% and not pay down on the new purchases (which of course are charged at a 15%+ interest rate). So once you transfer the money, never touch that new card again. I know I get Citicard promos advertising this deal all the time. You may want to find their website and apply.
You may want to change the marital status on your myspace site
1. Discover is one of the few companies that will not make deals with debt reduction companies (like the one Flea linked). There is another that they warn you about, but I am blanking right now as to which one also won't deal.
2. Discover also tends to have one of the highest interest rates on the market (MBNA is also way up there).
Also, when you switch, find a card that will give you a low interest rate (3.99% is common now) for as long as the debt is on there. Where they get you is if you ever put anything else on the card, they will keep paying down the principal on the $6k at 3.99% and not pay down on the new purchases (which of course are charged at a 15%+ interest rate). So once you transfer the money, never touch that new card again. I know I get Citicard promos advertising this deal all the time. You may want to find their website and apply.
You may want to change the marital status on your myspace site
just remember, the stress and the actual problems are two seperate issues.
My parents went backrupt a few years ago because my mom doesn't know how to manage money..
Anyways, my Step-dad bought his own big-rig truck and now makes 1-3 grand a week for this one company he works for.
Dunno if that interested you, but it could work.
Anyways, my Step-dad bought his own big-rig truck and now makes 1-3 grand a week for this one company he works for.
Dunno if that interested you, but it could work.
The road your currently on is only going to get worse, instead of asking people for suggestions just goto Google.come and type in "Consumer Credit Counseling" or "CCCS" you will get numerous sites and contact #s. If they somehow cannot work with your crediors then your next step is to go ahead and speak with your wife's doctor getting a letter from his office stating she is no longer capable of working or helping bring in an income. This letter you need to provide to your creditors and advise them "Look I need help here because if your not able to help me and CCCS can't do anything then my only other alternative is a Chapter 13 or Chapter 7 bankruptcy", also make it a point to state that since your wife will be starting on disability, it won't be much and if it goes long term or permanent then she will receive yearly increases to offset the cost of living. So you understand filing any chapter of bankruptcy will regardless royally fuck over your credit for the next 7-10 years. Sure there are people who get new homes and new cars right after they wipe out their debt, but trust me being someone who did automotive loans for 3 years I always saw some nasty strings attached from the dealers or mortgage loan officers etc etc etc.
If you have to go the route of bankruptcy, usually going a chapter 13 is relatively safe, granted its going to ruin your credit but atleast your paying back on your debts in a fashion that is much more afforable to your budget. The paying of the attorney's fees are also incorporated into the bankruptcy itself and the money is sent to a court trustee who distributes the funds out to all your debts. All debts also have renegotiated balances as well making the lump sum total much less than what you owe now. Mind you a if you miss ONE payment to the trustee or they try to draft the funds for your monthly payment and the funds are not there, then whole chapter 13 bankruptcy is dismissed from the court system and null and voided. From here your open game to all collection efforts your state allows creditors to use.
Another thought that was mentioned was doing a refi on something with equity, your car,boat,house can provide cash in a pinch, but you first need the collateral to do this loan.
If you truly have to focus on working from home, the proper term to call it is simply "telecommuting" and this day in age you need several things. Highspeed internet you reliable pay and also a provider that does not have regular outages. A land line phone line that you have no issues paying and keeping on. A decent computer that two years from now can run software they issue you to install. Also a fax machine is a perk unless you have a scanner for your PC to send documents to your employer's officer. Mind you that working from home may not be a good idea in your situation, telecommuting is very strict and monitored by most employers who offer it VERY SERIOUSLY. If your constantly helping or checking in on your wife, that is considered something that will sidetrack your attention and focus, thus hurting your productivity. I would maybe consider seeing about a line of work closer to home so you can come home frequently if your spouse needs you.
Hope this helped out.
If you have to go the route of bankruptcy, usually going a chapter 13 is relatively safe, granted its going to ruin your credit but atleast your paying back on your debts in a fashion that is much more afforable to your budget. The paying of the attorney's fees are also incorporated into the bankruptcy itself and the money is sent to a court trustee who distributes the funds out to all your debts. All debts also have renegotiated balances as well making the lump sum total much less than what you owe now. Mind you a if you miss ONE payment to the trustee or they try to draft the funds for your monthly payment and the funds are not there, then whole chapter 13 bankruptcy is dismissed from the court system and null and voided. From here your open game to all collection efforts your state allows creditors to use.
Another thought that was mentioned was doing a refi on something with equity, your car,boat,house can provide cash in a pinch, but you first need the collateral to do this loan.
If you truly have to focus on working from home, the proper term to call it is simply "telecommuting" and this day in age you need several things. Highspeed internet you reliable pay and also a provider that does not have regular outages. A land line phone line that you have no issues paying and keeping on. A decent computer that two years from now can run software they issue you to install. Also a fax machine is a perk unless you have a scanner for your PC to send documents to your employer's officer. Mind you that working from home may not be a good idea in your situation, telecommuting is very strict and monitored by most employers who offer it VERY SERIOUSLY. If your constantly helping or checking in on your wife, that is considered something that will sidetrack your attention and focus, thus hurting your productivity. I would maybe consider seeing about a line of work closer to home so you can come home frequently if your spouse needs you.
Hope this helped out.
ArmaniofIfrit wrote:
My parents went backrupt a few years ago because my mom doesn't know how to manage money..
Anyways, my Step-dad bought his own big-rig truck and now makes 1-3 grand a week for this one company he works for.
Dunno if that interested you, but it could work.
Anyways, my Step-dad bought his own big-rig truck and now makes 1-3 grand a week for this one company he works for.
Dunno if that interested you, but it could work.
I agree, living in your car would be a good way to save money.
Barkingturtle wrote:
I agree, living in your car would be a good way to save money.
Hey it worked for Jewel...and who doesn't want to be like Jewel!?
Barkingturtle, you've outdone your previous level of skeeziness by having a quote on breast-ironing in your sig. Bravo!
Nexa
“It has always been the prerogative of children and half-wits to point out that the emperor has no clothes. But a half-wit remains a half-wit, and the emperor remains an emperor.â€
― Neil Gaiman, The Sandman, Vol. 9: The Kindly Ones
― Neil Gaiman, The Sandman, Vol. 9: The Kindly Ones
ArmaniofIfrit wrote:
My parents went backrupt a few years ago because my mom doesn't know how to manage money..
Anyways, my Step-dad bought his own big-rig truck and now makes 1-3 grand a week for this one company he works for.
Dunno if that interested you, but it could work.
Anyways, my Step-dad bought his own big-rig truck and now makes 1-3 grand a week for this one company he works for.
Dunno if that interested you, but it could work.
Yeah, cause we need another passive-aggressive trucker out there.
In a time of universal deceit, telling the truth is a revolutionary act.
Samira wrote:
Yeah, cause we need another passive-aggressive trucker out there.
Oh Sam, truckers are some of the nicest guys I've ever met...you just gotta show 'em your bewbs.
Nexa
“It has always been the prerogative of children and half-wits to point out that the emperor has no clothes. But a half-wit remains a half-wit, and the emperor remains an emperor.â€
― Neil Gaiman, The Sandman, Vol. 9: The Kindly Ones
― Neil Gaiman, The Sandman, Vol. 9: The Kindly Ones
Alright now I know this is probally the last place a person should post any thing like this cause lets be honest I'm about to reveal something about my self here and ask for your honest opinion/help, if this bothers or offends any one please by all means just ignore me, but if by chance you do have any information at all it would mean the world to me. Thank you again for yout time.
I've been in debt for the last year and a half or so and I honestly can't seem to catch up. I'm working two jobs now and my wife has just been told that she has to be put on bed rest. We have both been looking at the work at home jobs, but they all seem like scams, can any one tell me if they have ever done any of the work at home programs? If there is one that isn't a complete rip off. Your help would be greatly appricated, your falmes on the other hand wouldn't. Thank you again for your time and your advice.
Sell everything you have and go to Vegas and put it on Black. If you can do that and lose, and lose! The world will be yours and what's more, you'll be broke my son.
Nobby's the only who will get that, but oh well.
Disclaimer:
To make a long story short, I don't take any responsibility for anything I post here. It's not news, it's not truth, it's not serious. It's parody. It's satire. It's bitter. It's angsty. Your mother's a *****. You like to jack off dogs. That's right, you heard me. You like to grab that dog by the bone and rub it like a ski pole. Your dad? Gay. Your priest? Straight. **** off and let me post. It's not true, it's all in good fun. Now go away.
To make a long story short, I don't take any responsibility for anything I post here. It's not news, it's not truth, it's not serious. It's parody. It's satire. It's bitter. It's angsty. Your mother's a *****. You like to jack off dogs. That's right, you heard me. You like to grab that dog by the bone and rub it like a ski pole. Your dad? Gay. Your priest? Straight. **** off and let me post. It's not true, it's all in good fun. Now go away.
Smasharoo wrote:
Alright now I know this is probally the last place a person should post any thing like this cause lets be honest I'm about to reveal something about my self here and ask for your honest opinion/help, if this bothers or offends any one please by all means just ignore me, but if by chance you do have any information at all it would mean the world to me. Thank you again for yout time.
I've been in debt for the last year and a half or so and I honestly can't seem to catch up. I'm working two jobs now and my wife has just been told that she has to be put on bed rest. We have both been looking at the work at home jobs, but they all seem like scams, can any one tell me if they have ever done any of the work at home programs? If there is one that isn't a complete rip off. Your help would be greatly appricated, your falmes on the other hand wouldn't. Thank you again for your time and your advice.
Sell everything you have and go to Vegas and put it on Black. If you can do that and lose, and lose! The world will be yours and what's more, you'll be broke my son.
Nobby's the only who will get that, but oh well.
Nobby: Do you like Kipling?
Smash: Dunno. I've never Kippled
"I started out with nothin' and I still got most of it left" - Seasick Steve
I got it. Hell, I have an orc hunter named Kipling.
No pet named Gungadin yet, though.
No pet named Gungadin yet, though.
In a time of universal deceit, telling the truth is a revolutionary act.
Samira wrote:
I got it. Hell, I have an orc hunter named Kipling.
No pet named Gungadin yet, though.
No pet named Gungadin yet, though.
(Or have you never been invited to one
)"I started out with nothin' and I still got most of it left" - Seasick Steve
Nexa wrote:
Barkingturtle, you've outdone your previous level of skeeziness by having a quote on breast-ironing in your sig. Bravo!
Nexa
Thanks!
Nobby wrote:
Samira wrote:
I got it. Hell, I have an orc hunter named Kipling.
No pet named Gungadin yet, though.
No pet named Gungadin yet, though.
(Or have you never been invited to one
)Why do you ask? You prefer Cheevers, I suppose.
In a time of universal deceit, telling the truth is a revolutionary act.
Samira wrote:
Nobby wrote:
Samira wrote:
I got it. Hell, I have an orc hunter named Kipling.
No pet named Gungadin yet, though.
No pet named Gungadin yet, though.
(Or have you never been invited to one
)Why do you ask? You prefer Cheevers, I suppose.
"I started out with nothin' and I still got most of it left" - Seasick Steve
Nobby wrote:
Samira wrote:
Nobby wrote:
Samira wrote:
I got it. Hell, I have an orc hunter named Kipling.
No pet named Gungadin yet, though.
No pet named Gungadin yet, though.
(Or have you never been invited to one
)Why do you ask? You prefer Cheevers, I suppose.
It's Cheevar. Or, yo cheevo. Tu cheevas. Usted cheevamos. You know.
NephthysWanderer the Charming wrote:
Nobby wrote:
Samira wrote:
Nobby wrote:
Samira wrote:
I got it. Hell, I have an orc hunter named Kipling.
No pet named Gungadin yet, though.
No pet named Gungadin yet, though.
(Or have you never been invited to one
)Why do you ask? You prefer Cheevers, I suppose.
It's Cheevar. Or, yo cheevo. Tu cheevas. Usted cheevamos. You know.
Nosotros Chevamos
Usted Cheeva
And no. . . ****
"I started out with nothin' and I still got most of it left" - Seasick Steve
Nobby wrote:
NephthysWanderer the Charming wrote:
Nobby wrote:
Samira wrote:
Nobby wrote:
Samira wrote:
I got it. Hell, I have an orc hunter named Kipling.
No pet named Gungadin yet, though.
No pet named Gungadin yet, though.
(Or have you never been invited to one
)Why do you ask? You prefer Cheevers, I suppose.
It's Cheevar. Or, yo cheevo. Tu cheevas. Usted cheevamos. You know.
Nosotros Chevamos
Usted Cheeva
And no. . . ****
Not too shabby for one spanish class 10 years ago.
Spelling flame for the loose.
Nobby wrote:
Samira wrote:
Nobby wrote:
Samira wrote:
I got it. Hell, I have an orc hunter named Kipling.
No pet named Gungadin yet, though.
No pet named Gungadin yet, though.
(Or have you never been invited to one
)Why do you ask? You prefer Cheevers, I suppose.
Yes, it means "to kiple".
In a time of universal deceit, telling the truth is a revolutionary act.
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