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-   -   Credit Card Debt/Problems paying bills (http://cellar.org/showthread.php?t=16311)

Radar 08-05-2008 05:53 PM

Quote:

Originally Posted by Cloud (Post 421267)
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. :thumb2:

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 (Post 474268)
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 (Post 474268)
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.


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