Category Archives: Making Ends Meet

We Don’t Have a Lot of Debt But Can’t Make Ends Meet Without Overdraft. – Shannon

“Dear Steve, My husband and I have 3 small children and he has two children from a previous marriage. We are currently only in about 13,000 in debt but cant catch up any payments making it seem harder to get it together on a budget. As I indicated, we are approximently 13,000 in debt. This [...]

Recent Law School Grad Struggling to Pay The Bills. – Lisa

“Dear Steve, -Recent law school grad, haven’t passed the bar yet so not working as an attorney -Low paid job as a law clerk -Don’t make enough to cover all expenses, which include, but are not limited to, 3 credit card payments (12k total,) 3 student loan payments, (total owed $250k) -No health insurance and [...]

How do I get out of this payday loan cycle of doom. – Joe

I live in CA. I took out 9 payday loans. I have been paying nothing but interest and finance fees. From what I understand, it is illegal to have more than one payday loan out at a time in CA. Does this negate my other 8 current loans? None of my lenders are in CA, [...]

My Parents Have to Help Me Pay My Debt. – Karen

“Dear Steve, I have about $36000 of unsecured debt. I am able to make minimum monthly payments on my debts, but that is with my parents paying on one of my accounts for me. Also, I am continuing to use my credit cards for gas, groceries, prescriptions because the monthly payments take most of my [...]

My Husband and I Don’t Mix Our Money. I’m Having a Tough Time Making Ends Meet. – Chris

“Dear Steve, I’m a 30 year school teacher, wife and mother of two. I have been juggling credit card debt since I graduated from college in 2003. Due to life circumstances I have accumulated more debt. Currently I have $9,000 in credit debt. I pay a mortgage, car, childcare, and the regular living expences. My [...]

My Health Insurance Went Up and I Don’t Make Enough Money. – Diane

“Dear Steve, I had to make a job change do to health. But when I took this job my Insurance for my health went up 300.00 dollars a month. I dont make enough for the ends to meet, so now I owe my bank over draft fees I am unable to keep up with. Help [...]

My Credit Score Dropped and I Want to Get Out of Debt. – Renee

“Dear Steve, I obtained my 1st credit card 1 month after my 18th birthday.. that was 10 years ago and now I have 7. I have consoldated my cards with my credit union before, but due to lay off and emergencies, they are charged back up. I’m having a hard time keeping up with my [...]

My 90 Year Old Mother Lives With Me. I’m a Single Woman on a Single Income. – Kathy

“Dear Steve, I am a single lady with a single income. My 90 year old mother lives with me and I have found myself in over my head in CC debt accured over the past 3 years. Because of several different medical issues and necessary travel for work and church during this time I started [...]

My Husband is a US Marine Corp Sargent. We Can’t Make Ends Meet. – Rose

“Dear Steve, My husband is a Sargent in the US Marine Corp. Just after he got home from Iraq and before we got married he purchased a house for us. Because he had orders saying we would be in that area for three years not even three mounth after he got home and closed on [...]

Lost Job, Reduced Income, Medical Bills and We’ve Depleted Our Savings. – Shelly

“Dear Damon, My husband lost his job about 2 years ago, which reduced our income. He has had some medical problems which we were trying to resolve before he got another job. We have about 45k in debt ( not including my student loans)and only about 10k in home equity. Gross salary of approximately 58k [...]

Which Debt Settlement Company Do You Recommend? – Laura

“Dear Steve, Basically I have debt, a lot of it. My spouse and I are working, however, he was laid off and took another job where he made substantially less than he was making. Through the course of the past year, expenses have risen and our income decreased. Our savings is about depleted and I [...]

My Husband Does Not Help Me to Pay My Debt. I’m Drowning in Debt. – Jane

“Dear Steve, I have $80,000 in credit card debt. I make about $50,000. The debt is in my name only. My husband makes about $120,000 a year and pays all the major household bills such as mortgage, car payments, insurance, utilities, etc. My income goes almost entirely to paying down my debt. My question is [...]

Former Accountant, Single Mom, and Tapped Out. – Cathy

“Dear Steve, Have been an accountant for 40 years. A single mom of two boys who had mental health issues which translated to criminal issues and all the expenses meant I saved nothing. I used credit cards to start and keep a business afloat. It folded a couple of years ago. I took a new [...]

Between The New Baby, Truck Payment, and Credit Card Debt, I’m In Financial Trouble. – Bethany

“Dear Steve, I have a new baby, hospital bills from birth and baby’s special needs, am in danger of getting behind on my truck loan payment, have about 12,000.00 in credit card debt from poor decisions in college. I’m overdrawing my checking account every month to cover expenses and can’t seem to get ahead, plus [...]

I Was Going to Go With Covenant Debt Solutions Before Falling Into Your Site. – Nanci

“Dear Steve, 56 year old, 27 years on the job 3033.00 gross after a 6.58% cut last year and this year. I work for a school district that has been hard hit 60 year old hubby with cancer. He is on partial unemployment since his company is in the CA construction field. He can’t get [...]