10 Popular and Pesky New Year Resolutions

The year of 2018 came to a rather disappointing close as my slightly sleep deprived friends munched on potato chips and argued about the long forgotten lyrics of “Auld Lang Syne”. As intellectual stimulation seemed stagnant, I shifted my attention…

Dave’s Podcasts… And goals

I notice he had NO plans to come out to CA for an ‘event’. What is it that we’re the ‘red haired boy’ of speakers like this? They never seem to come out here. I guess I can watch online…

Collection agency

Hi! I have one credit card that dropped me to a collection agency. the amount has grown to $17K. I got a letter stating that “as per our agreement” they would settle for $12+K if I paid that amount in…

Buying a used car

I heard Dave Ramsey tell a story about someone who got a great used car (many years old) for $4,000 from an elderly aunt who had hardly ever driven it. I think finding deals like this one is somewhat a…

car insurance

Car accident and insurance

Call around to other auto body shops and see what they can do. When my car was in an accident, the insurance company wanted the shop to repair it with used parts. However, I called a couple of dealerships who…

debt

Mortgage Forgiveness Debt Relief Act of 2007..IRS INFO important

HI all, I have been seeing a lot of posts about the mortgages and the crisis we are under, I too am about to lose my home, 16 % interest???…….right…I will pay that right away….NOT>>.lol…. I am going out on…

court

Question about Summons

Citigroup is getting nasty. While I was out last night they tried to leave a summons with my girlfriend (who has nothing to do with the account). The envelope with the summons was sticking in the door hanging out in…

My success with collection agency

I wrote a little bit ago about a collection agency that was hounding me for a 17K debt. they had agreed to settle for 12+K. after posting about this situation on this list you guys encouraged me to work the…

depression

Being depressed due to my finances

What is the first step to make or take; when everything seems so pointless? I am struggling with the mortgage crisis and not sure what to do right now. Any advise? Do you have savings in place? Do you have…

used cars

Good debt versus bad debt

“finance for dummies” says buying a car on credit is one of the worst financial decisions you can make, so I doubt that qualifies as “good credit”. I wasn’t thinking that buying a car with a credit card was a…