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Author Archives: Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

Suzy Wants to Know If She’s Done Enough to Protect Herself

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Suzy wrote me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you for free. “Dear Steve, Recently I paid off all credit cards and am debt free with exception of my car payment. I work a Sate job, ... Read More »

Tony Writes In “I Have Too Much Debt On My Credit Cards”

Slow and Steady Will Win The Get Out of Debt Race

“Dear Steve, How do I quickly and easily get ALL my credit cards paid off with the limited income that I have? Tony Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and help to beat back debt. – Click Here The Answer   Tony, ... Read More »

Would You Like More Credit Card Rights If It Means Credit Cards Are More Expensive?

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This week I asked the Personal Finance Bloggers Brain Trust the following question and as always, the answers are thoughtful and insightful. Question: At the very time that our banks and Wall Street are asking and looking for a financial bailout they are condemning the ‘Credit Cardholders’ Bill of Rights. The American Bankers Association issued the following statement within minutes ... Read More »

Linda Writes In And Asks “Should We Sell Our House Now Or Hold Out For More?”

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“Dear Steve, Last year we put our house which is paid for on the market expecting it to sell quickly, and purchase another house with a mortgage. Our realtors say to lower the price $75k to sell it, but we feel that won’t give enough to invest for our retirement. Would we be better off to rent our house to ... Read More »

Is Most Christian Debt Advice Bogus? Here’s What Jesus Would Really Do.

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I’ve long hesitated about writing about Christian debt advice. It is a self-righteous can of conflict that I have avoid, like the biblical plague. But is seems like the ads proclaiming christian debt relief are appearing more and more. Advertisements like: Christian Debt Relief – Christian Debt Consolidation Help Free Quote! Christian Debt Advice – Debt consolidation and counseling based ... Read More »

So I Just Got a New Credit Card.

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My move back to the U.S. from England recently, generated a bit of ‘international moving expenses’ for us. My favorite was the $1,100 unexpected surprise I got having to pay for extra storage and the radiation screening by homeland security of our shipping container with all our stuff in it. It felt a bit like the sign I always expect ... Read More »

Sunday, 9:30 PM, Christian Kills Wife Because of Debts

Christian Mogensen & Sharon Glassman - Wedding Day

On Sunday September 28, 2008, twenty floors up in a Boston apartment, Christian Mogensen, logged on to his website, updated his web page, and then put a bullet into the head of his wife of many years. Not long latter Christian turned the gun on himself. The webpage update that Christian made was a death announcement of a demise about ... Read More »

Janet Is In Trouble. She Says “I’ll Be Out Of Money Soon. What Should I Do?”

“Dear Steve, I bought my first home, moving from Pennsylvania to Florida, the only place I knew all my life, following the death of my beloved mother. I was able to put a down payment on a house in a beautiful community in Florida, & live rather cheaply as compared to Pennsylvania. Unfortunately, the job market has not been kind ... Read More »

Jax Is Looking to Refinance And Has Some Questions

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“Dear Steve, I need to refinance my home in Oct of 2009. My credit score is 669. I have a mortgage of $130,000, home equity loan of $34,000, a car loan of $4,000, & credit cards of $4,000. Some credit cards don’t have balances. Do I close these credit cards and extend my home equity loan to pay for my ... Read More »

Tithing, Saving and Getting Out Of Debt – The Personal Finance Bloggers Brain Trust

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This weeks question put to the personal finance bloggers brain trust at GetOutOfDebt.org was: When people are working with a credit counselor or working up their own budget they often hear or believe that they should not make religious contributions and should not put any money in savings while they are making debt repayments. Instead, some believe that every dollar ... Read More »

“Who Is Going To Help The American People To Get Out of Debt?”

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I just saw someone searched for “Who Is Going To Help The American People To Get Out of Debt?” and landed here on the GetOutOfDebt.org site. It might be tough for me to help all the people that are going to be in financial trouble all by myself, but I’m doing my best to help. But I can use your ... Read More »

I’m The Debt Expert And Even I’m Scared

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Economic worries and concerns impact anyone that is paying attention and for those of us that have a bit of awareness and understanding about how the consumer credit and debt world works, it makes it even more frightening when looking into the crystal ball. I avoid debt, but I have some. But it is not the debt that scares me ... Read More »

Crys Writes In And Asks “We’ve Been to Credit Counseling But Should We File For Bankruptcy?”

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“Dear Steve Hi! I am a piano teacher, and due the bad economy have very few students, even though I am used to having plenty. We just moved because we could no longer afford where we lived. We gave up our house in a deed in lieu of foreclosure. My husband took a cut in pay. We owe about $400 ... Read More »

Christine Writes And Asks Me “Should We Liquidate The IRA to Pay Off Debt?”

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“Dear Steve, We have about $35,000 in current debt not including a home that is not finished. We have about $120,000 in IRA money. We own $75,000 in real estate free and clear that is for sale but not sold yet. Should we liquidate some of the IRA money to help out our debt? Christine” Dear Christine, The interesting thing ... Read More »

Where to Buy Really Cheap Bread

Discount Bakery Store

So with all the shopping I did recently for my two stories about price comparing between grocery stores and warehouse clubs, I was curious about what the cost for bread would be that this discount bread store I pass from time to time. The store is tucked off the main drag but I’ve caught a glimpse of it as I ... Read More »

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