• Going from a 2-income down to a 1-income family without cutting expenses?

    Combined there's $95,000 in student loan debt. $40,000 in CC debt And $35,000 in Auto financing debt Plus a checking account balance that overdrafts twice a week and a slowly climbing CC debt In that situation, the Dad of house earns $75K working a full time office job The mom of house was earning a much... show more
    Combined there's $95,000 in student loan debt. $40,000 in CC debt And $35,000 in Auto financing debt Plus a checking account balance that overdrafts twice a week and a slowly climbing CC debt In that situation, the Dad of house earns $75K working a full time office job The mom of house was earning a much needed $40K but then one day the mom said "I honestly want to be a full time stay-at-home mom why won't you let me? All my friends are stay-at-home moms" No it's not fair for me to cut expenses for this . And yet you can't pay the bills and rent and interest on CC debt on one income What do you do?
    20 answers · 2 days ago
  • Can Money Buy Happiness?

    221 answers · 1 week ago
  • What would happen if you borrow student loan and you don't pay any of it back?

    Best answer: Lots of bad things. It starts with harassing phone calls and mail notices. If you ignore these, the loan company can go to court and garnish any wages you get (meaning they get the money instead). Your credit will be ruined, so if you try to take out any loan, such as a car loan, you'll be rejected. Anyone... show more
    Best answer: Lots of bad things. It starts with harassing phone calls and mail notices. If you ignore these, the loan company can go to court and garnish any wages you get (meaning they get the money instead). Your credit will be ruined, so if you try to take out any loan, such as a car loan, you'll be rejected. Anyone checking your credit, such as a prospective employer, will not hire you. And because you are not making payments, the interest on the loan will keep growing, making your debt greater and greater.
    9 answers · 20 hours ago
  • 💰Does money make you happy?

    17 answers · 3 days ago
  • Will I be approved for a mortgage?

    Between ages 20-22 I was £1500 into my overdraft, overdrawn up to £150 every month on top of that and had around 4 payday loans all in arrears. I'm now 22, I've set up direct debits and slowly paying/paid my loans off. I'm putting most of my wages into paying off my overdraft and I'm now paying my... show more
    Between ages 20-22 I was £1500 into my overdraft, overdrawn up to £150 every month on top of that and had around 4 payday loans all in arrears. I'm now 22, I've set up direct debits and slowly paying/paid my loans off. I'm putting most of my wages into paying off my overdraft and I'm now paying my monthly bills (tv license) etc on time. Basically I got into a mess and I'm slowly sorting it out. Will i ever be able to get a mortgage? how soon? how likely? please help I've always wanted my own home for a family
    9 answers · 1 day ago
  • Can my mom shut down my bank account?

    My mom created me a Bank of America account when I was a kid and put me as an FBO. I ve been using the account but I recently moved out of the country and have been getting slammed with fees for not depositing money into the account regularly. Would she be able to close the account since her name is on it, or would... show more
    My mom created me a Bank of America account when I was a kid and put me as an FBO. I ve been using the account but I recently moved out of the country and have been getting slammed with fees for not depositing money into the account regularly. Would she be able to close the account since her name is on it, or would only I be able to since I m over 18?
    7 answers · 13 hours ago
  • Suppose you have $95 in your checking account. First you pay $34 for a new sweater using your debit card.?

    Then you deposit a $32 check. The next day you withdraw $16 at the supermarket. What is the balance in your account? - [ ] a. $145 - [ ] b.  $81 - [ ] c. $77 - [ ] d. $13
    Then you deposit a $32 check. The next day you withdraw $16 at the supermarket. What is the balance in your account? - [ ] a. $145 - [ ] b.  $81 - [ ] c. $77 - [ ] d. $13
    6 answers · 6 hours ago
  • 3 reasons why a person would take a loan over 30 years in preference to 25 years?

    Best answer: They might not qualify for the slightly higher payment of the shorter term. They might prefer a lower monthly payment, even though they ultimately would be paying more. This is short-term thinking, the same philosophy that leads people to make minimum payments on their credit card when they can afford more. They... show more
    Best answer: They might not qualify for the slightly higher payment of the shorter term.
    They might prefer a lower monthly payment, even though they ultimately would be paying more. This is short-term thinking, the same philosophy that leads people to make minimum payments on their credit card when they can afford more.
    They might not be planning to stay there very long, and judge that the appreciation of the property will be more than the savings in paying off the loan quicker. Again, short-term thinking, and risky (what if the property goes down in value?)
    8 answers · 2 days ago
  • Can I have two bank accounts for the same bank?

    I have a joint account with my mother, and I want to start a new one from the same bank. So could I do that? Or would I have to go to another bank?
    I have a joint account with my mother, and I want to start a new one from the same bank. So could I do that? Or would I have to go to another bank?
    13 answers · 3 days ago
  • How can I make money ?

    Best answer: Volunteer! It's a great way to get actual experience. Could be at an animal shelter, library, anywhere where they offer volunteer positions. Sometimes they'll even offer a real job
    Best answer: Volunteer! It's a great way to get actual experience. Could be at an animal shelter, library, anywhere where they offer volunteer positions. Sometimes they'll even offer a real job
    9 answers · 3 days ago
  • What's a good first bank?

    I have started working some time now and I was thinking I should open a bank account I don't make that much roughly 200 a week so what's a good bank to start with
    I have started working some time now and I was thinking I should open a bank account I don't make that much roughly 200 a week so what's a good bank to start with
    8 answers · 2 days ago
  • What phone and plan should I get for a party-time minimum wage job.?

    I'm 17 and I don't pay any bills. I have a part-time minimum wage job. I enjoy saving my money without spending much of it but I still enjoy buying things of course. With this mentality I have a little over 1 grand in the bank. I was planning on saving for a car but after seeing all the costs it'll take... show more
    I'm 17 and I don't pay any bills. I have a part-time minimum wage job. I enjoy saving my money without spending much of it but I still enjoy buying things of course. With this mentality I have a little over 1 grand in the bank. I was planning on saving for a car but after seeing all the costs it'll take including insurance and upkeep I've decided to hold off. I currently don't have a phone so I've decided I wanted to buy one. So I was wondering what would be a decent smartphone would be along with plan so I don't spend too much money paying for it each month. I was thinking something newer but not the newest such as the S7 but I'm not sure what provider to go with so any help would be appreciated!
    6 answers · 2 days ago
  • What is the most you can pay in cash in a store?

    Best answer: Paying that amount with cash is absolutely no issue. KMart-any merchant will be happy to sell in exchange for cash. But make sure you keep your receipt just in case you need to return the item or have any issues with it. When you pay with cash your store receipt is your only proof of purchase. Look at your receipt... show more
    Best answer: Paying that amount with cash is absolutely no issue. KMart-any merchant will be happy to sell in exchange for cash. But make sure you keep your receipt just in case you need to return the item or have any issues with it. When you pay with cash your store receipt is your only proof of purchase. Look at your receipt when you get it and make sure it can be read clearly. On the other hand, when you make a credit card purchase you have the card company on your side if you have any issues with the purchase. Good luck.
    15 answers · 5 days ago
  • Chase detecting suspicious activity?

    Best answer: When a fraud alert is triggered, they first contact you to see if it was in fact a fraud. If you say that it was, they will cancel your card and issue you a replacement. You will not have to pay for anything you identified as fraud. But the store will not be paid for their merchandise and they will investigate. ... show more
    Best answer: When a fraud alert is triggered, they first contact you to see if it was in fact a fraud. If you say that it was, they will cancel your card and issue you a replacement. You will not have to pay for anything you identified as fraud. But the store will not be paid for their merchandise and they will investigate. Some have cameras at the checkout, some have other ways of verifying you. Facial recognition technology is very accurate.

    If they discovered you lied, you will have a criminal record.
    7 answers · 2 days ago
  • Why do I compulsively spend all the money I earn every other week and how can I stop?

    Most of my money is spent on food and restaurants. I only work part time and have credit card debt, and yet it's like there's a part of me that feels like I must spent what I earn each month. I know it's stupid and wrong, but it's a pattern I've found myself in. I used to not be this way. I eat... show more
    Most of my money is spent on food and restaurants. I only work part time and have credit card debt, and yet it's like there's a part of me that feels like I must spent what I earn each month. I know it's stupid and wrong, but it's a pattern I've found myself in. I used to not be this way. I eat a healthy diet but I'll go and buy healthy snacks or go to expensive, organic restaurants when I'd be better off eating my simple meals at home. I want to eat out at least once a month, but I need to go from spending $300-$350 on food to like... $150 max to be able to clear my debt and start building a savings after a few months. It's really embarrassing to me because I'm an Econ major and yet I can't even incentivize myself out of this problem.
    6 answers · 2 days ago
  • Can i get a personal loan from the bank with a 750 credit score but no employment?

    I sell stuff on ebay and make average money, but this is an off the book type job. I want to go to college and financial aid isn't going to cover all my costs so I need a personal loan.
    I sell stuff on ebay and make average money, but this is an off the book type job. I want to go to college and financial aid isn't going to cover all my costs so I need a personal loan.
    6 answers · 2 days ago