Home > Tag Archives: paycheck to paycheck (page 2)

Tag Archives: paycheck to paycheck

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 »

My Wife and I Have Been Struggling to Get Out of Debt Ever Since We Got Married. – Ryan

“Dear Steve, My wife and I have been struggling to get out of debt ever since we got married. Our monthly debt is as follows: mortgage $1,700, car payments $436, student loans $360, and $600 to her father for a $20K loan we borrowed from him, and about $600 on credit cards. After paying our monthly debt and bills, we ... Read More »

Bankruptcy is Out of The Question and We Want to Pursue Debt Settlements. – Sandy

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“Dear Steve, DROWNING in CC DEBT! To give backround we have been looking at many options including Bankrutpcy even though we have not consulted an attorney yet and from what we read we make too much for Chapter 7 and 13 would be impossible since we owe 100,000 in CC and in Chapter 13 he has to be paid back ... Read More »

We Live Paycheck-to-Paycheck But Don’t Want to Hurt Our Score to Get Out of Debt. – Lori

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“Dear Steve, My husband and I are in over 65k in credit card debt. We make the minimum payments every month on all our cards. We are in good standing with all of them, but we live paycheck to paycheck and we have no savings. We also don’t want to hurt our credit score. I was wondering what my options ... Read More »

I Was in a Debt Management Program and Now My Husband is in Trouble. Scared Mom in Michigan

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Scared Mom in Michigan “Dear Steve, Back in November My husband and I fell into finacial ruin thanks to credit cards… I already was going through Debt management of my own and then My husband was adding to this without my knowledge…. why? who knows.. but too late now. Anyway… My husband hours got cut drastically… He went from making ... Read More »

We Spend $1,000 More Per Month Than We Earn. – Tracey

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Tracey “Dear Steve, We have 3 credit cards with balances of 20,000 each, an equity loan 40,000, & mortgage 220,000. We make fairly decent money but I’ve been keeping track and we spend 1,000 over our checks each month. I’ve narrowed it down to shopping, cigs..grr, groceries, & dining out. I keep track weekly but by the end of the ... Read More »

California State Employee is Suffering From Pay Cut Disease. – Martha

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“Dear Steve, Married couple, I am a CA State Employee who had a reduction of pay of approx. $700.00 a month. We have two car payments and a mortguage, in addition we have credit cards debt of approx. $25,000. THe payments of the credit debt is approx 1,4000 a month and seems that we are living paycheck to paycheck and ... Read More »

My Mortgage Went Up and My Income Went Down. – Damarys

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Damarys “Dear Steve, I am a single mother with 3 kids. I was doing okay going paycheck to paycheck. my mortgage went up and income went down. I now am having trouble payings bills. what to I neglect first. pay my mortgage, car payment and utilities and let my credit cards get behind. I am trying to work with credit ... Read More »

I Feel Like I Just Threw a Bunch of Money Away. – Donnie

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“Dear Steve, I had written to you a while back but could not find my original so am writing again. i am struggling really hard, i went from having no credit cards until 1999 to having too many, never made a late pmt. but because i was no longer working, disabled, started getting credit cards to live on. in 03, ... Read More »

How Can I Stop JD Enterprises From Suing Me? – Denise


“Dear Steve, I am 52, single, have a decent paying job, but am struggling to pay my current bills. I live paycheck to paycheck. I am trying very hard to catch up and get ahead. I was contacted at my work last week by JD Enterprises about a debt from 2001. They said their process server was on his way ... Read More »

Is CCCS Right for Us or is There a Better Alternative? – Shawn

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Shawn “Dear Steve, I have about $100k of unsecured consumer credit card debt spread out amongst several (about 15) cards. My wife and I are both in very stable jobs, and combined we make about $110k a year (about $6000-$6500/mo take-home after tax, health insurance, etc). We “own” our house, in other words, we pay $2k a month mortgage on ... Read More »

I Want to Get Out of Debt Without Ruining Our Credit. – Melissa

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“Dear Steve, With the economy in such turmoil, my husband who is self-employed has had close to no work for 6 months. I went back to work and that is helping, but our finanaces are a mess. We are living paycheck to paycheck and are barely able to make our monthly payments. We had already had credit card debt and ... Read More »

I’ve Thought About Killing Myself to Get Out of Debt. – Doug

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Doug “Dear Steve, We have mostly lived pretty well but never have had any savings so when something happens or we want to do anything the answer has been to put it on a credit card. So we have cards at or close to limits we have two kids in college with student loans and we messed up on our ... Read More »

If Something Were to Happen We’d Be Screwed. – TinaMarie

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“Dear Steve, My husband and I are about 20,000 in debt. He had a kidney transplant 2 years ago, which put us in the hole and now we have to pay off his medical bills and even just to copays on his anti rejection drugs are killing us. We are barely keeping or heads above water. I was hoping you ... Read More »

We Have 10 Credit Cards With High Limits All Maxed Out. – Melissa

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“Dear Steve, We have 10 or so credit cards some with high limits all maxed out. Able to barley make minimum payments. Getting harder to keep up. We have 4 kids and are trying our best to keep up on debt. We have closed most of the cc. We had an idea of taking all our money that doesn’t go ... Read More »

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