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Home > Tag Archives: paycheck to paycheck

Tag Archives: paycheck to paycheck

Single Mother of 6, Working Full Time and Going to School. – Walquiria

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“Dear Steve, single mother of 6… I hold a full time job plus I go to school 3 nights a week Hi Steve I am a single mother of 6. I work full time and I go to school 3 nights a week. I got divorced about 4 years ago, I would like buy a house for my children but ... Read More »

I Can’t Get Out of Debt With What I Make. What Can I Do Without Hurting My Credit? – Michelle

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“Dear Steve, I took all the debt from my previous marriage plus a mortgage. I have been able to pay at least the minimum for the last 3 years but have been unable to pay down anything. I have asked for rate reductions, etc. One card offered me a temporary rate reduction but the others have not. My credit was ... Read More »

Falling Behind and Living Check to Check. What Should I Do?

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“Dear Steve, I have too many bank loans from various financial institutions. I have falling behind and I am living check to check to the point where it is hard to pay my bills. Can I consolidate the loans or is that a bad option. I really don’t want to get more loans I don’t know what to do. Omari” ... Read More »

Can I Accept Responsibility and Pay Off My Debts Without My Husband’s Assistance? – Debt

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I am 47 years old with credit card debts totally about 15K and Student Loans in excess of 30K. I married my husband 2 years ago in order to provide health insurance for him and his son due to employment changes. Shortly after our marriage, my employer decided to close the doors where I was working – leaving me with ... Read More »

Made horrible mistake getting car loan for boyfriend. Please help get this car out of my name! – Jocelyn

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I really made a big mistake with a car loan for someone else. I bought a house by myself earlier this year which is going fine. I have a 157K mortgage loan. My long-time boyfriend was unemployed and his credit isn’t that good and of course, he needed a car, perfect timing. We initially went into a seedy place that ... Read More »

We Can’t Ever Get Caught Up In This Financial Mess. Should We Consider Debt Settlement? – Nathalie

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“Dear Damon, I lost my job 4 years ago, my son graduated at the the time and is still looking for a real job, so we have more expenses (helping my son to survive, rent, food car..) and less income. We are 4 people living on one salary. On top of that we had to face emergencies after emergencies so ... Read More »

Credit Card Consolidation Program is Not Working For Us. – Peter

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“Dear Steve, My wife and I moved about 10 months ago for me to start a new job and it seems that our debt situation has gotten worse to the point of now wondering if we can make it month to month. We are both currently employed but it seems that our paychecks are not covering our debts. We went ... Read More »

Bills Are Paid But Seriously Struggling to Stay Afloat. – Kelly

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“Dear Damon, 25 years of marriage, lots of really bad financial decisions. We are seriously struggling, barely staying afloat. At this current time all our bills are paid up to date. Son is in college, daughter will be a junior in high school. We owe more on our house and 1 vehicle than they are worth. The attorney we met ... Read More »

Half of Americans Tapped Out and Broke. Anyone Surprised?

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The National Bureau of Economic Research recently released a paper that looked at the “financial fragility” of households. They determined fragility as the inability to come up with $2,000 in 30 days or less. Approximately one quarter of Americans report that they would certainly not be able to come up with such funds, and an additional 19% would do so ... Read More »

I’m Being Sued by a Creditor And Was Told Only Chapter 13 Bankruptcy Might Be Right For Me. – Tim

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“Dear Lewis, i am being sued by collection/ law firm(s) have received a citation of suit from a lawyer representing citibank. i have done online search for low cost attorney and spoke with one on the phone for court representation, he then pointed me towards a bankruptcy lawyer because he knew the suing firm well, i have done a consult ... Read More »

I’m Living Paycheck to Paycheck After a Divorce and Can’t Make a Dent in My Student Loans or Credit Card Debt. – Tonya

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I have just over $20,000 in student loans, $8000 car loan, $700 credit card, I’m working on paying off a charged off credit card of about $3500, and I have a hospital bill of around $1400. I currently make $23712/yr. I’m making minimum or Income Based payments on All of them and now my IBR for my student loan has ... Read More »

My Husband’s Business is Starting to Recover But We are So Overloaded in Debt. – Lisa

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“Dear Steve, In 2001 my husband, an engineer, left his company and started a business with 2 partners. The company was doing well and they were giving themselves about $7,000/month in take home pay each. In 2007 we moved to a slightly larger house, increasing our mortgage by about $1,000/month. Long story short – large customers stopped paying my husband’s ... Read More »

How Do I Get Out of Debt? I Got Stuck on Credit Cards in College and Still Trying to Dig Out. – Sarah

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“Dear Damon, I’m 33 years old and have about $15,500 in credit card debt. Like many college students in need of cash I naively got sucked into getting credit cards many years ago and now have 5 credit cards in which I’m only able to pay the minimum amounts due each month. Although I have sometimes managed to lower the ... Read More »

The Past Few Years Has Been Very Difficult. I’m Living on Borrowed Money. – John

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“Dear Steve, I’m self-employed and have been so since graduating college back in 1997. I operate an online business, selling ads on websites that I build. Some years ago I was making good money, but the past few years have been really quite difficult to say the least. Living on borrowed money and living beyond my means to some extent ... Read More »

I Don’t Believe You Will Help Me for Free. – Mona

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“Dear Steve, I stumbled onto your website quite by accident, and have been reading the various articles and information you’ve provided. I am amazed that you would offer your services of financial counseling totally free, as I’m reminded of the old adage – ‘if if sounds too good to be true…’ However, out of sheer desparation, I’m going to take ... Read More »

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