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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

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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 »

I Hunted Down The Cheapest Warehouse Store For You

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Recently I wrote an article titled Sam’s Club, CVS, Walmart, Lowes Food & Food Lion – Who Has The Best Prices? The winner of that survey was the warehouse store, Sam’s Club and that got me wondering how Sam’s Club prices compared to other warehouse stores. So I got back in the car and went shopping and Costco and BJ’s ... Read More »

Lourdes Writes In “What Should I Do to Get Out of Debt?”

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“Dear Steve, I’m in debt really heavy from credit cards and other loans. What should I do to get out of debt. Lourdes” Dearest Lourdes, Wow, I really want to help you with some great advice and awesome guidance but gee-whiz a little more information would be really helpful. Maybe next time you write in you can share a bit ... Read More »

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