Credit Card Debt/Problems paying bills - Page 4

Radar · 08-05-2008, 05:53 PM

Quote:

Originally Posted by Cloud

1) You can try a credit counseling service. The best is a non-profit one, like the ones the YMCA (YWCA?) has. They will counsel you for free, and then if you sign up with them, they take a small percentage.

2) alternatively, you can do it yourself, using a financial plan found in books. One to try is Dave Ramsey. His scheme is kind of the opposite of most people's, in terms of which credit card to pay off, but I like the entire plan he has. One caveat--he's very "Christian" -- but I manage to ignore that. If you don't want to go with him, go pick out a book by another financial guru. Just pick one plan and stick with it.

I went through his book 4 times, and I agree with him being overly Christian/Preachy, but I too can look past it because his advice is very sound, intelligent, and practical. It simply works.

I like it because he is very clear about everything. He doesn't leave you wondering. There's nothing vague. He states step-by-step exactly how to get out of debt and to become financially independent.

I've started listening to his podcasts and I enjoy them. It's a shame he's on the same station as idiots like Michael Savage or Sean Hannity.

Juniper · 08-06-2008, 12:41 AM

Since this old thread was brought to the surface again, how goes the credit card project? Seeing the light of day yet?

Stress Puppy · 08-06-2008, 01:06 AM

Preface: Didn't read the thread at all.

http://www.violentacres.com/archives...astic-measures

bbro · 08-06-2008, 06:40 AM

It was going well, but then I got hit with medical bills and am barely making enough to pay everything. After this month, I should be ok again, starting back to where I left off. Definitely will not be going homeless to pay off the debt, though, Stress Puppy

xoxoxoBruce · 08-06-2008, 10:15 AM

Well bbro, you've got a plan and your head on straight. That's why you can survive being hit with things like medical bills, and still make it.

bbro · 08-06-2008, 12:29 PM

Thanks Bruce. Remind me of that when I start to panic!

skysidhe · 08-06-2008, 12:41 PM

I think there are credit card consolidation companies but maybe that is what people mean by credit counseling.

I am begining to read Suzie Orman myself. She's a financial expert. I am sure her advice would be the same as what you already know though. I think she has got some sound reasoning regarding finances so maybe it can help.

lookout123 · 08-06-2008, 01:39 PM

Quote:

She's a financial expert.

If you replace "expert" with "hack" you'll be a lot closer to the truth.

HungLikeJesus · 08-06-2008, 01:43 PM

lookout, that was my impression.

lookout123 · 08-06-2008, 02:41 PM

While there are a number of the big names out there I disagree with on certain issues and still more I despise for their charlatan vibe... she is the worst. i've seen her give blatantly false information on her shows. I've seen her lie in interviews. She has made a fortune telling others how to handle their money for retirement and yet she readily admits that she doesn't understand the market well enough to put her own money in it. a few years ago she had a net worth of $25MM. Less than $1MM of that was in the market and the majority of the rest was in real estate. hmmmm.

i wouldn't give you $.02 for all the wisdom in her skull and her integrity is worth less than a homeless man's toenail clippings.

i really don't like her.

skysidhe · 08-06-2008, 04:57 PM

Quote:

Originally Posted by lookout123

While there are a number of the big names out there I disagree with on certain issues and still more I despise for their charlatan vibe... she is the worst. i've seen her give blatantly false information on her shows. I've seen her lie in interviews. She has made a fortune telling others how to handle their money for retirement and yet she readily admits that she doesn't understand the market well enough to put her own money in it. ( edited )
i wouldn't give you $.02 for all the wisdom in her skull and her integrity is worth less than a homeless man's toenail clippings.

i really don't like her.

It was alot to digest but I couldn't get past your wording of 'CHARLATAN VIBE' I can't stand a cheap charlatan either. It just brought up the frustration of this new age ass wipe I gave a second chance to several months ago. I don't dispise people for their beliefs if they are sincere but when people speak this 'way' yet in reality it only serves as a vehicle for taking advantage of every person they come into contact and use this fake package or wrapping which might for a time not reveal the baser nature of gross a opportunistic heart. It is sickening when it does eventually become apparent.

So I do understand your revulsion.

classicman · 08-06-2008, 10:19 PM

Quote:

Originally Posted by lookout123

i wouldn't give you $.02 for all the wisdom in her skull and her integrity is worth less than a homeless man's toenail clippings.

i really don't like her.

I'd have never figured that out, coach.

08-06-2008, 01:06 AM	#48
Stress Puppy Elite Elitist Join Date: Oct 2002 Location: Fresno, CA Posts: 359	Preface: Didn't read the thread at all. http://www.violentacres.com/archives...astic-measures __________________ ~Stress Puppy~ Mundus vult decipi, ergo decipiatur

08-06-2008, 10:15 AM	#50
xoxoxoBruce The future is unwritten Join Date: Oct 2002 Posts: 71,105	Well bbro, you've got a plan and your head on straight. That's why you can survive being hit with things like medical bills, and still make it. __________________ The descent of man ~ Nixon, Friedman, Reagan, Trump.

08-06-2008, 01:43 PM	#54
HungLikeJesus Only looks like a disaster tourist Join Date: Feb 2007 Location: above 7,000 feet Posts: 7,208	lookout, that was my impression. __________________ Keep Your Bodies Off My Lawn SteveDallas's Random Thread Picker.

08-06-2008, 02:41 PM	#55
lookout123 changed his status to single Join Date: Apr 2004 Location: Right behind you. No, the other side. Posts: 10,308	While there are a number of the big names out there I disagree with on certain issues and still more I despise for their charlatan vibe... she is the worst. i've seen her give blatantly false information on her shows. I've seen her lie in interviews. She has made a fortune telling others how to handle their money for retirement and yet she readily admits that she doesn't understand the market well enough to put her own money in it. a few years ago she had a net worth of $25MM. Less than $1MM of that was in the market and the majority of the rest was in real estate. hmmmm. i wouldn't give you $.02 for all the wisdom in her skull and her integrity is worth less than a homeless man's toenail clippings. i really don't like her. __________________ Getting knocked down is no sin, it's not getting back up that's the sin

08-06-2008, 12:41 AM	#47
Juniper I know, right? Join Date: Aug 2008 Posts: 1,539	Since this old thread was brought to the surface again, how goes the credit card project? Seeing the light of day yet?

08-06-2008, 06:40 AM	#49
bbro Insert witty comment here Join Date: May 2004 Location: Raleigh, NC Posts: 2,182	It was going well, but then I got hit with medical bills and am barely making enough to pay everything. After this month, I should be ok again, starting back to where I left off. Definitely will not be going homeless to pay off the debt, though, Stress Puppy

08-06-2008, 12:29 PM	#51
bbro Insert witty comment here Join Date: May 2004 Location: Raleigh, NC Posts: 2,182	Thanks Bruce. Remind me of that when I start to panic!

08-06-2008, 12:41 PM	#52
skysidhe ~~Life is either a daring adventure or nothing.~~ Join Date: Apr 2006 Posts: 6,828	I think there are credit card consolidation companies but maybe that is what people mean by credit counseling. I am begining to read Suzie Orman myself. She's a financial expert. I am sure her advice would be the same as what you already know though. I think she has got some sound reasoning regarding finances so maybe it can help.

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