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| alicia gist |
 Posted: Thu Mar 31, 2005 4:09 pm Post subject: cheapskate monthly |
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Investing Sr. Associate
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| Does anybody have any experience with this website? I looked at it today. It has some neat calculators, but you have to pay a yearly fee to use them. I hate to pay to get out of debt. |
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| trixiezzz |
| Posted: Mon Apr 11, 2005 5:14 pm Post subject: |
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Investing Manager
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Before paying for advice on a website, why not take a look (and listen) to Dave Ramsey, the financial talk-show host whose #1 goal is for people to get out of debt. His website is www.daveramsey.com.
If your area radio stations carry him,he covers a lot of great advice daily. |
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| jstep |
| Posted: Mon Apr 25, 2005 2:18 pm Post subject: |
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Investing Associate
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Ya, anything you have to pay for to get out of debt, is probably not a good idea
thats against the reasoning of trying to get out of debt |
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| MrInvestor |
| Posted: Wed May 04, 2005 3:49 pm Post subject: |
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Investing Manager
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| Good point Jstep...if you have some extra money work on that debt. |
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| arnieelkins |
| Posted: Fri May 27, 2005 2:06 pm Post subject: Getting out of debt |
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New Poster
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I just spent a long time writing a reply on another thread that I think also applies here. The gist is that, if you are struggling to get out of debt, it is probably a result of your mental programming. The good news is, there is a way to change that programming:
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| Colli |
| Posted: Tue Nov 20, 2007 4:57 pm Post subject: |
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Investing Sr. Associate
Joined: 18 Nov 2007
Posts: 57
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| It sort of sounds like the people running that web-site are the cheapskates and are trying to get you to be a spendthrift. |
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| deprived |
| Posted: Sun Nov 25, 2007 11:33 am Post subject: |
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Investing Sr. Associate
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this is a basic idea how they operate.
first they set you up on a payment play, supposedly contact the lenders, get your payment lowered, then they collect your payments to them (not the lenders) and wait until they got six months of payments collect then try to offer the lender a one time settlement (did i mention that they are not paying the lenders the whole time they are collecting from you) minus their fee of course.
Easiest way out of debt is to pay more the your monthly payment- the extra amount goes to the principal not then interest, no this is not quick but that extra will save you $$$ in interests. That also means to sacrifice a
few luxory things - eating out, movies, cigarettes. Talk your self out those high dollar ticket items.
You should get a copy of your credit reports and dispute any mistakes that are accidently on your report- mispelled names, wrong addresses, states that you have not lived in and there is more. |
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| Staggs |
| Posted: Tue Mar 04, 2008 8:01 am Post subject: |
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Investing Sr. Associate
Joined: 19 Jun 2007
Posts: 141
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| trixiezzz wrote: | Before paying for advice on a website, why not take a look (and listen) to Dave Ramsey, the financial talk-show host whose #1 goal is for people to get out of debt. His website is www.daveramsey.com.
If your area radio stations carry him,he covers a lot of great advice daily. |
Right on!! I highly recommend Dave Ramsey, this is a guy with a head on his shoulders. |
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| cptken |
| Posted: Mon Mar 31, 2008 8:37 pm Post subject: |
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Investing Sr. Associate
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| i tottally agree paying for something to get out of debt is going in the wrong direction. |
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| Staggs |
| Posted: Tue Apr 01, 2008 5:33 am Post subject: |
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Investing Sr. Associate
Joined: 19 Jun 2007
Posts: 141
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Location: Wisconsin
3884.82 e$
Net worth: 13,764.82
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Churn Rate: 0.00%Items
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| The scammers know that typically people that are in dept like to spend money so they are trying to tap into that market of people in order to make some money. So steer clear of marketing scams. |
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| Slim_80 |
| Posted: Tue Apr 01, 2008 7:29 am Post subject: |
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Investing Sr. Associate
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| I know when I lived in Utah they had a state agency that would do this same thing for free. It was set up to help people who were ready to file bankrupcy, and from what I heard it worked very good. They contacted the creditors and got some deal made and then you would pay the agency instead of the creditors. It was free. |
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| darvick69 |
| Posted: Thu Apr 03, 2008 7:32 am Post subject: |
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New Poster
Joined: 17 Mar 2008
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Don't walk...RUN to www.daveramsey.com
There are way too many scams out there. You don't need to pay somebody else to get out of debt. You need to either lower you outflow or increase your income. There are NO fast and easy solutions. It's plain hard work BUT you can do it!
It took me and my wife 7 long years to turn our lives around and dig out from over $50,000 worth of debt. Dave Ramsey's Financial Peace University works! |
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| Staggs |
| Posted: Thu Apr 03, 2008 8:14 am Post subject: |
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Investing Sr. Associate
Joined: 19 Jun 2007
Posts: 141
This Month: 0
Location: Wisconsin
3884.82 e$
Net worth: 13,764.82
Portfolio Value: 9,880.00
Monthly Return: -10.59%
Trades this month: 0
Churn Rate: 0.00%Items
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| darvick69 wrote: | Don't walk...RUN to www.daveramsey.com
There are way too many scams out there. You don't need to pay somebody else to get out of debt. You need to either lower you outflow or increase your income. There are NO fast and easy solutions. It's plain hard work BUT you can do it!
It took me and my wife 7 long years to turn our lives around and dig out from over $50,000 worth of debt. Dave Ramsey's Financial Peace University works! |
Dave Ramsay knows what he is talking about. Dave is one of the few people I have found that thinks like me. There aren't many people out there anymore that live debt free. If you talk about being debt free most people look at you like your some kind of freak. The U.S. government is just as bad and has done a good job of programming people to be slaves to society by living in debt. If you are in debt you are not truely free. |
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| frusnak |
| Posted: Fri Apr 04, 2008 12:00 am Post subject: |
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CFO
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| Staggs wrote: | | darvick69 wrote: | Don't walk...RUN to www.daveramsey.com
There are way too many scams out there. You don't need to pay somebody else to get out of debt. You need to either lower you outflow or increase your income. There are NO fast and easy solutions. It's plain hard work BUT you can do it!
It took me and my wife 7 long years to turn our lives around and dig out from over $50,000 worth of debt. Dave Ramsey's Financial Peace University works! |
Dave Ramsay knows what he is talking about. Dave is one of the few people I have found that thinks like me. There aren't many people out there anymore that live debt free. If you talk about being debt free most people look at you like your some kind of freak. The U.S. government is just as bad and has done a good job of programming people to be slaves to society by living in debt. If you are in debt you are not truely free. |
How true!  |
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| spencer |
| Posted: Fri May 30, 2008 3:37 am Post subject: Re: Getting out of debt |
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Investing Associate
Joined: 09 May 2008
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| arnieelkins wrote: | I just spent a long time writing a reply on another thread that I think also applies here. The gist is that, if you are struggling to get out of debt, it is probably a result of your mental programming. The good news is, there is a way to change that programming:
Previous post |
I couldn't agree more. Also the lack of financial education is a major factor causing debt problems. |
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