I'm not far enough in debt to get debt relief, but im just far enough behind where I can't get ahead. How can I become debt free when I seem to be stuck?

1 Answer

Answer :

Welcome to life. Sometimes you just have to deal with bad credit until you have the means to take care of it. Survival is your first priority, this means shelter, food, and environmental control (electric). Any other expense is secondary. Prioritize your expenses. Cable is not a priority. Internet is not a priority (unless it is your source of income). Means of attaining your income is a priority (ie gas, car insurance, car payment). Once you have everything sorted out, make a budget and try to put money towards your debt. $3500 is nothing to scoff at, but in the big scheme of things it is not the end of the world.

Related questions

Description : Have you used any debt relief programs, or do you have anyone you would recommend for taking over my Sallie Mae Loans?

Last Answer : answer:I'm in the same boat as you, and unfortunately right now with the economy being what it is you're going to be hard pressed to find anyone. Wells Fargo has a program, but with them as ... your income increases . added side bonus they tend to pay the loan off faster in the long run).

Description : What happens to ones debt when someone because deceased?

Last Answer : I think it gets passed on the living relatives or children.

Description : Which debt payment plan would you choose/suggest?

Last Answer : I think you can figure it out. After raising my family I was in a good bit of debt and I consolidated it with a credit line then moved it to a zero interest credit card for 12 months ... got out of debt. Just be careful about opening and closing credit card accounts-it affects your credit score.

Description : Does anyone know how I can help my friend consolidate his debt?

Last Answer : I reccommend Dave Ramsey’s book “Financial Makeover” not only will it help him get out of debt but it will keep him from going back into debt. There is a chapter where debt consolidation is discussed.

Description : how to get out of debt

Last Answer : Stop borrowing, reduce spending and cut costs. Make higher payments. Pay extra on high interest loans first. Find something to do on the side that adds to your income.

Description : I have credit card debt, and a 401k account from my last job that equals that debt, what are my options here?

Last Answer : Are you sure about the $2k? I believe you lose more than that because you are looking at taxes + penalties for early withdrawal. I would try to negotiate with the credit cards to get a lower interest rate. Also, if you have any room, try to do a balance transfer (watch out for the transfer fee).

Description : What's the easiest way to get out of debt?

Last Answer : money.

Description : Should prisoners get a bill at the end of a stay in jail?

Last Answer : Funny.. My mom did ten years. She got out and was straddled with a 2.5K bill for parole fees.. If she didn't pay the bill she would violate the parole and go back in for another ten ... think this is a serious proposal. You get disability. Maybe you should be making doilies to payback what you get.

Description : 10 US industries that may never recover. What would you do to rebuild the economy?

Last Answer : answer:So if we can just stop all Government spending too, everything will balance. We can become like the libertarian paradise of Somalia. Woo hoo! No government! Freedom! But seriously, we ... projects are using Chines hardware. We are losing the first big economic contest of the 21st century.

Description : Can a payday loan company garnish my wages? Also are they allowed to call my work and speak to other employees and tell them that I commited Fraud?

Last Answer : answer:When you took the loan, I'm sure you put your name on a contract. If you didn't meet the terms of that contract, they are allowed to try to claim their money. My rule of thumb ... a harassment claim, but that would likely cost you money to pursue. Still, most lawyers give free consultations.

Description : I got sick and now I am in financial trouble?

Last Answer : I can’t think of what to say except {{{hugs}}} @Just_Justine.

Description : What's a good way to get student loans organized?

Last Answer : See if you can get the Federal Student Loan Program to take over your debt.

Description : A camel travels a certain distance each day. Strangely enough, two of its legs travel 30 miles each day and the other two legs travel nearly 31 miles. It would seem that two of the camel's legs ... of course this can't be true. Since the camel is normal, how is this situation possible? -Riddles

Last Answer : The camel operates a mill and travels in a circular clockwise direction. The two outside legs will travel a greater distance than the two inside legs.

Description : A camel travels a certain distance each day. Strangely enough, two of its legs travel 30 miles each day and the other two legs travel nearly 31 miles. It would seem that two of the camel's legs ... but of course this can't be true.Since the camel is normal, how is this situation possible? -Riddles

Last Answer : The camel operates a mill and travels in a circular clockwise direction. The two outside legs will travel a greater distance than the two inside legs.

Description : A horse travels a certain distance each day. Strangely enough, two of its legs travel 30 miles each day and the other two legs travel nearly 31 miles. It would seem that two of the horse's legs must be ... , but of course this can't be true, since the horse is normal. How is this possible? -Riddles

Last Answer : The horse operates a mill and travels in a circular clockwise direction. The two outside legs will travel a greater distance than the two inside legs.

Description : Does it ever seem like you just can't get a break, can't get ahead, no matter how hard you try?

Last Answer : All the time…just when I start to put by a little extra money, my car has something go up on it…etc.

Description : how can you assess whether you are not looking far enough ahead when you drive? -General Knowledge

Last Answer : You make frequent, quick stops. -is how you can assess whether you are not looking far enough ahead when you drive.

Description : I just can't seem to get enough Indian food. Do you have a favorite or preferred cuisine or meal?

Last Answer : Yes. I’m Jewish so I prefer Chinese, of course. A distant second would be Italian, which I cook better than them, so I’ll eat Chinese when dining out.

Description : I went to turn on the front camera on my mobile, now the camera is stuck. Can't see any picture in front or behind ?

Last Answer : Camera isn't handing to stop responding to your mobile. In this case all the data of your phone will be deleted. First switch off your mobile. Then unplug the battery and insert the SIM card and memory card. ... Select , Email , Time , Date, etc.). The work is done. Now your mobile is brand new.

Description : White eyes behind, red eyes ahead, but if I am not hasty, white turns to red -Riddles

Last Answer : A car on a motorway ('Eyes' = headlights and tail lights).

Description : You and nine other individuals have been captured by super intelligent alien overlords. The aliens think humans look quite tasty, but their civilization forbids eating highly logical and cooperative beings. ... , each of you must guess the color of your hat starting with the perso -Riddles

Last Answer : Let's see how it would play out if the hats were distributed like this. The tallest captive sees three black hats in front of him, so he says 'black,' telling everyone else he sees an odd ... go. It looks like these aliens will have to go hungry, or find some less logical organisms to abduct.

Description : I only eat 1500 calories a day, and I work out for about an hour four times a week but I'm stuck at 140 lbs. Why can't I lose weight?

Last Answer : I assume you have lost weight and now you can't lose anymore. This is what is known as hitting a plateau. You will stay there for awhile regardless of what you do. This is your body's way of adjusting. However after you become discouraged one day you will start to lose again so don't give up.

Description : Debt Relief Can Be Yours?

Last Answer : If you are worried that you may be experiencing credit problemsor owe a great deal of money in credit card debt, you may considerdebt relief services. Debt relief can take under three years tosettle, ... and area sure sign that you are in need of debt relief. If you have everconsidered filing fo

Description : What are my options for debt relief besides filing bankruptcy?

Last Answer : Instead of filing bankruptcy, you can contact your lenders and negotiate settlements with them. If they are aware that you are facing bankruptcy, they often will settle for amounts less than what you owe them.

Description : How does a debt relief program work?

Last Answer : Deb releif comes in many forms.The most popular and common is a to file for bankruptcy.

Description : How can I get Debt Relief?

Last Answer : tomm653: Freedomdebtrelief.com is an excellent website to help you get out of debt as you can cut your debt up to 50% and be debt free in 1-3 years.

Description : When waiting in a check out line and the person behind you only has a couple of items do you let them ahead of you?

Last Answer : I always wave people in front of me if they have a small handful of items. I hate grocery shopping so tend to do it by the giant cartload very occasionally. I wouldn’t want to be in line behind me.

Description : When did you start to fall behind, or start to pull ahead in grade school or university?

Last Answer : answer:The more they let me choose my curriculum, the better I was. I hated middle school. I was a good kid in grade school and a shined in HS. When I got to college, there were too many options given ... and I'd not be me if I'd done things differently. You need to find comfort in your own skin.

Description : Speculative history: If the USSR hadn't been a socialist/communist state from 1917, would they now be ahead of (or behind) the US as a world power?

Last Answer : Both west and east stole technology from Central Europe, WHICH IS AND ALWAYS WAS THE BEST EUROPE!

Description : If you could go ahead or behind in time,which would you choose?

Last Answer : I would do 10 years older.I already know what happened back then ;))lol

Description : Considering that Christmas is a week away: are you further behind than last year; about the same place, or futher ahead with your shopping, decorating, wrapping, baking, etc?

Last Answer : Presents bought, wrapped and a few are under the tree. I’m way ahead of myself this year. Last year at this time, I didn’t even have a ⅓ of it done. And, I’m starting Holidays next week. Oh, yeaaaah! I get to kick back and have some Capt. Morgan’s and nogs, manana. :)

Description : Seven kids are in line for a carnival ride. Third in line is Joe, and two spots ahead of him is Kylie. Seventh in line is Kate, in front of Kate is Rylie, behind Joe is Chris, Eelizabeth is ahead of John in line. What is the order of the line? -Riddles

Last Answer : 1. kylie 2. elizabeth 3. joe 4.chris 5. john 6. rylie 7. kate.

Description : If a bomb is released from a plane moving with uniform velocity, then by the time the bomb reaches the ground, the plane will be (a) Vertically above the bomb (b) Ahead of the bomb (c) Behind the bomb (d) Ahead or behind, depending on its velocity

Last Answer : Ans:(a)

Description : The standard time of India is - (1) 5 hours ahead of GMT (2) 4 hours behind of GMT (3) 4 hours ahead of GMT (4) 5 hours behind of GMT

Last Answer : (1) 5 hours ahead of GMT Explanation: Indian Standard Time (IST) is the time observed throughout India and Sri Lanka, with a time offset of UTC+05:30. It is 5 hours 30 minutes ahead of Greenwich Mean Time. India does not operate DaylightSaving Time.

Description : The centre of gravity of a sprinter during the race lies – (1) Ahead of his feet (2) Behind his feet (3) At the centre of the body (4) To the left side of the body

Last Answer : (1) Ahead of his feet Explanation: Running is a means of terrestrial locomotion allowing humans and other animals to move rapidly on foot. It is simply defined in athletics terms as a gait in ... are kept mostly straight and the center of gravity vaults over the legs in an inverted pendulum fashion.

Description : If the driving torque, such as that produced by a diesel engine, creates pulsations when coupled with a synchronous generator operating in parallel; the generator rotor may be periodically pulled ahead or behind ... as it rotates. This co A. hunting B. direct coupling C. peaking D. harmonic coupling

Last Answer : Answer: A

Description : If the driving torque, such as that produced by a diesel engine, creates pulsations when coupled with a synchronous generator operating in parallel; the generator rotor may be periodically pulled ... windings B. direct coupling C. increase governor speed droop D. decreasing governor speed droop

Last Answer : Answer: A

Description : When calculating EVM, Peter noticed that the cumulative planned value is 150%  of the cumulative earned value. What does this mean? Select one: a. SPI1, so the project is OK to complete on time. c. SPI1, so the project is behind schedule. e. SPI>1, so the project is on schedule.

Last Answer : a. SPI

Description : Registration of a cutter bar means a) Centre of knife must stop in the centre of guard on each stroke b) Centre of knife should be ahead of guard c) Centre of knife should be behind the guard d) Centre of knife should be at the end of the guard

Last Answer : ans a

Description : There are six cars numbered as C1, C2, C3, C4, C5 and C6 participating in a race. The results are as follows: C2 does not win. Two cars are in between C4 and C5. C1 is behind C4 and C5. C2 is ahead of C5 ... C4. If C4 is disqualified, then C2 finishes the race at which position? a) 2 b) 3 c) 1 d) 4

Last Answer : Ans: option (a)

Description : There are six cars numbered as C1, C2, C3, C4, C5 and C6 participating in a race. The results are as follows: C2 does not win. Two cars are in between C4 and C5. C1 is behind C4 and C5. C2 is ahead of C5 ... intervening. C6 is ahead of C4. Which car comes in the first place? a) C1 b) C2 c) C3 d) C6

Last Answer : Ans: option (d)

Description : The centre of gravity of a sprinter during the race lies (1) ahead of his feet (2) behind his feet (3) at the centre of the body (4) to the left side of the body

Last Answer : ahead of his feet

Description : I'm trying to use the mp3 player on my Sony PSP, but I can't seem to figure out how to upload the mp3s from my laptop. Any suggestions?

Last Answer : Just put your psp in usb mode (under the system menu I think), then use the usb cable to connect the computer and the psp. It should show up like an external disk in your computer and you should be able to drag and drop mp3s to the psp.

Description : i'm a non emergency medical transportation driver in yuma county az. i want to move to gold beach or. and do the same thing there but can't seem to find a company to aply with. any suggestions thanks?

Last Answer : we would have be please to hire you if you were living in detroit,mi. we just open a non emergency medical transportation company and we will need driver but unfortunatelly you reside in another state!!!!send us your resume and we will see

Description : What substance can I put between the walls of my frogs' tank and the filter, so they don't get stuck behind the filter?

Last Answer : How much space would you say there is between the filter and the glass?

Description : If there is a lane closure up ahead, how far should you continue on in that lane before merging with the other?

Last Answer : Ughhh don’t be the douche who tries to sneak in at the last minute. The warning signs are there so you can merge at the next availability.

Description : How far ahead should I book my plane ticket?

Last Answer : The earlier you buy it the cheaper it is (I’m pretty sure that’s how it works)

Description : A pilot can improve the probability of detecting other aircrafts by: a. Minimizing the duration of eye rests and making as many eye movements as possible b. Moving the head frequently to ... lookout ahead of the aircraft and relying on peripheral vision to detect any movement from the side

Last Answer : a. Minimizing the duration of eye rests and making as many eye movements as possible

Description : A pilot can improve the probability of detecting other aircrafts by: a. Minimizing the duration of eye rests and making as many eye movements as possible b. Moving the head frequently to ... a lookout ahead of the aircraft and relying on peripheral vision to detect any movement from the side

Last Answer : a. Minimizing the duration of eye rests and making as many eye movements as possible

Description : I accidently stuck a blue ray disc in my non-blue ray compatible com puter and it made a scratchy sound as far as I can tell there lloks like no damage but could it of ruin my disc or my drive?

Last Answer : Done this one myself, the noise is a read error, but there was no damage to the disk or player.