Surviving Without Money – The Simple Life

frugal-living-tipsSurviving Without Money – The Simple Life

 

Can you really survive without money? Would you want to?  Probably not, but sometimes learning how to simplify your life – or find ways to reduce your expenses can make it easier to have a bigger life. If you have less overhead – and less stuff, guess what – you’ll probably have more room in your life for the things that are really important to you.

Not to mention that if you proactively learn to simplify you’re always providing some great insurance against when really bad things happen.  I was watching the movie “So This is 40” in which Paul Rudd plays one half of a very over extended yuppie couple. He’s missing mortgage payments, his credit cards are maxed out and his business is on the rocks.  But he gets a bit of sage advice from one of the musicians he represents – nobody too famous, but someone who gets to spend his days doing what he loves…Why? Because he has a small nut (nope and that is not something weird). Having a small nut to cover means that your monthly expenses are low.  The smaller the nut, the less you have to generate every month to keep it all going.

So aim for a small nut…and here are some ideas how RichMama’s can help minimize the family nut…

 

Gardening.

 

While cheap is good, where saving money is concerned, free is better. And harvesting a crop full of free vegetables is a tremendous savings. Once you get past the initial investment, the rest of blissful bounty!

 

If you’ve never gardened before, pick up a book at the library or ask a friend to teach you. If you have limited space, consider using the square foot gardening method, or growing vegetables in large containers, even buckets.

 

Gardening is not only easy, it’s fun. . Children can get involved by helping to plant seeds or pull weeds, and they’ll feel like the garden is as much theirs as anyone’s. Planting a garden not only will help you survive should your family income disappear, it will also build memories and skills that could last a lifetime.

 

Canning and freezing.

 

In addition to enjoying fresh vegetables from your garden, canning or freezing the excess will serve you well again when there is little money to buy food. You can ensure your family receives good nutrition without it costing anything additional except time, and canning jars. However, sites like Freecycle.com could supply a nice supply of jars free of charge.

 

You can also can soups, stews, and even meats. Just be sure to follow safe canning techniques for the type of food you’re storing, mark your jars well, and store them in a cool, dry place. Your local library will have a number of books on canning, but you can also find information on reputable websites if you prefer. Again, check online swapping sites for free or inexpensive canning equipment.

 

Small scale homesteading.

 

If possible, you might also want to consider getting a a rooster and a few hens so you can gather your own eggs. If you do a lot of baking, or if your family enjoys eggs, this can really save you money in the long run. If your income situation should become desperate, this could do a lot more than put eggs on the table – it could turn into a lucrative business.

 

Experienced egg gatherers recommend gathering eggs at least three times a day and getting them into a cool place for storage as soon as possible so they stay fresh. Eggs will easily last for a week or so.

 

Ideal storage for eggs is 50 degrees and up to 50 percent humidity if you plan to hatch out any of your eggs. Avoid the refrigerator if that’s your plan as it dries them out and they may not hatch.

 

 

Bartering.

 

Another way to survive when trying to save money is to barter which is the  the trade or exchange of goods and services you can provide, for those you need.

 

For instance, if you can cut hair, you can trade your hair cutting skills for car repair, lawn services, household items, or even food. Or, say you have furniture you no longer need, you can trade it for something you do need.

 

When bartering, just be sure to consider all costs involved and look for the best deal. While no cash is actually exchanging hands, the value of the goods and services traded should be comparable for the best deal all around. Also, be careful to keep records and check with the tax codes for bartering services.

 

Hopefully, your family will never face such dire financial circumstances where there you don’t have income, but learning how to live on less now will help you be better prepared for what’s next.  Check out the Rich Mama Academy for more on building your wealthy family.

 

 

How to Be a Rich Mama

Attention Hard Working Moms

 

Dear Mom,

Do You Struggle With Handling Your Family’s Money?

Are your finances a nightmare? It’s time to wake up from that bad dream and create a better reality…Are you worried that you don’t understand money…and how you spend it?

On the 30th of the month, do you find yourself scrambling to pay the bills? Or maybe you just make it, but find that you have nothing Do You Struggle to Understand Money?left for savings?

Do you look around and wonder why other families have it all, yet you never seem to be gaining any ground? Are you worried that you’ll have to work for the rest of your life… That there’s no cushy retirement waiting for you down the road… That you’ll never be able to live the life you deserve.

Does this sound familiar: You work hard, but you never seem to have enough. You can’t get a handle on your expenses. Your credit cards are maxed out all the time.

And now with the economy the way it is, you’re not just worried. You’re Terrified.

Do You… fight with your partner about money all the time… have to say NO to your kids when they ask for almost anything…Constantly wonder if you’ll be able to buy groceries, a new car, or if you can afford date night?

And You’ve Tried to Make it Work…

You’ve tried living frugally. And it worked for a while. You were able to pay off some debts. Maybe put away a little something in the bank.

But you were utterly miserable. You missed the little treats that make life more fun and enjoyable. And like a spending junkie, you went into a buying binge to dull the pain. All your good intentions went flying out the door, and you never looked back.

You’re running out of control, and you’re scared. Scared for yourself. Scared for your spouse. And especially scared for your kids.

Listen, there’s a way out of this money hell hole.

What you need is a simple plan that will help you achieve big results through small steps.

Read that again:

YOU CAN CHANGE THIS VICIOUS CYCLE…You Can Create the Foundation of a Wealthy Family

Here’s Where I Come From…

I was once like you. I wasn’t always the RichMama – I was the SpenditAllMama – it seemed like as soon as we made dollar we spent it – and it wasn’t on big things like trips or eating out – it seemed like the little things were killing us – money slipped through our fingers like the finest sand.

And then we got a wake up call – kids. Once I started having kids I wanted to have more for them – so my husband and I worked harder, thinking that if only we could just make that little extra bit of money – we’d finally feel secure. Protected.

And then it hit me like a ton of bricks – I was working so hard to make a better life for my family – I was barely seeing them. I was robbing them of my time and attention – I wanted to quit…or work part time – maybe even freelance – anything that would give me more flexibility.

So we started to crunch the numbers. And I cried. We had multiple credit cards, all maxed out, no emergency savings, car payments, student loans a huge mortgage. Even our retirement funds were in disarray spread out here and there. While we’d been working our tails off, we’d been neglecting our most important boss — our families.

So we (mostly me) got serious – I switched into Rich Mama mode. I vowed that within 18 months I would be able to quit my full time job and spend more time with my kids – but only if we paid off all consumer debt – like our credit cards, learned to live on one income, and saved for our emergency fund.

And I became a savings and personal finance junkie, reading and learning everything I could about paying down debt, budgeting, spending, saving, reducing interest rates, investing – you name it.

At first I was paralyzed…and then I started taking action, focusing each day on one small step. Making check lists and worksheets and knocking down debt, figuring out spending and coming up with methods to put more cash in our pockets.

And it worked…..In less than a year, I quit my full time job, launched a part time consulting business and was able to stay home with the kids – with no credit card debt, a working spending plan for each month that allowed for vacations, new clothes and yes the occasional latte.

Not to mention our total financial life was better organized. We were saving, maxing out on our retirement accounts and were able to save for major purchases – like a new car, without going back into debt.

But it took me lots of trial and error to get it right – and I wouldn’t wish that on anyone…so I took all I learned and created a simple program that takes what took me months to figure out and gives it you in a step by step weekly program

Our Schools Have Failed Us…

Most of us learn nothing about money in school. Sure, perhaps you learned how to balance a checkbook in home economics…but or perhaps you took a macro economics class and learned about the markets…But since most of us barely use checks anymore, and you’re probably not in the business of shorting emerging markets….all of that school stuff was pretty much useless…

Until Now…What you were missing was the right kind of FINANCIAL EDUCATION – one that teaches you how to thing in terms of dreams and goals, dollars and sense – and how to manage the multiple and often conflicting needs, wants and desires of a family…where every new video game in the short term can undermine the family vacation in the long term…OR worse – send you into a whole heap of credit card debt…for things you can barely remember needing.

You can’t make big changes all at once. Your mind and heart will eventually reject them and you’ll only feel like a failure.

SO HOW DO YOU MAKE THE CHANGE – HOW DO YOU TAKE CHARGE OF YOUR FINANCIAL FUTURE?

Get a Financial Education

By getting education – the right kind. The kind that will guide you step by step, week by week to creating a workable, livable, scalable plan for building real wealth for you and your family…You need to learn how to become a RICH MAMA…

When you’re a Rich Mama, you can have it all. Sound sleep knowing you have enough money to pay your bills and then some. A healthy retirement account so you don’t have to work forever (or work at all). Money set aside for your kids’ education. Money in the bank for new school clothes? Wouldn’t you like to know your family had a real GET RICH SLOWLY PLAN?

So What Can You Do….

How Do You Stop Fighting to Keep Up With the Joneses….And Build the Foundation of the a Wealthy Family…

Introducing the Rich Mama Academy….

A complete, step by step 12 Week Program to Help You Develop a Solid Family Financial Plan and Create the Foundation for Real, Lasting Wealth…

This is not a get rich quick scheme…I’d rather think of it of a Get Rich Slowly Scheme…But You Will See Immediate Effects…From the Very Moment You Take Action…

When Your Bank Account is the Only Thing Not Growing… Here’s Help

The complete video, ebook and workbook course is available today for only… $97… Just $47

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“The Rich Mama Academy: A Complete Step by Step Plan to Building Lasting Wealth” is a comprehensive program that will show you, step by step, how to:

  • Create a Realistic Family Wealth Plan – to manage spending and build long term wealth
  • Identify Your Family Financial Goals
  • Determine Your Spending Patterns – Good and Bad
  • Calculate Your Net Worth
  • Determine A Realistic Spending Plan The Whole Family Can Live With
  • Cut your living expenses without living like a monk and without sacrificing the lifestyle you desire (and deserve!)
  • Save money for short term goals like vacations, renovations, and high-tech toys
  • Build wealth for long term goals like your children’s college tuition and your retirement
  • Create a Workable Plan for Eliminating Credit Card Debt
  • Refinance your mortgage, when it’s the best option for you (and when you absolutely need to avoid it!)
  • Get rid of debt once and for all, so you can start building up your financial assets
  • Improve your credit rating, even if you have debt
  • Protect yourself from identity thieves who can cripple your financial life
  • Make more money, even if you don’t switch jobs or get a raise

Here’s a Sneak Peek of What You’re About To Learn:

Module 1: Get Goalin’ – What’s Your Family Wealth Plan – Building Wealth From the Ground Up

Module 2: Creating and Staying Within Your Budget

Module 3: Reducing Expenses Without Affecting Your lifestyle

Module 4: Saving Money on a Day to Day Basis

Module 5: Short Term Savings

Module 6: Long Term Savings

Module 7: Using Your Credit Cards Wisely

Module 8: Getting Out of Debt

Module 9: Ways to Bring in Extra Cash

Module 10: Should You Refinance Your Mortgage?

Module 11: Checking Your Credit Report Regularly

Module 12: Why a High Credit Score is Important

Bonus Modules

Module 13: How to Raise Your Credit Score

Module 14: International Credit Systems

Module 15: Protecting Your Identity

Module 16: Where Do You Go From Here…

“The Rich Mama Academy” is NOT an eBook – it’s total at home study course with Videos, Audios, pdfs, charts, worksheets and checklists….

You’ll also get:

  • Complete 80+ Page, 16-Module home study course
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  • Budget helpers, worksheets, and trackers to make budgeting FUN again!
  • Expert audio interviews so you can gain the insights and wisdom of others in the field.
  • Money saving checklists and cheat sheets, so you will have the essential lessons at your fingertips
  • My Secret Resource List of Helpful Money Sites, Tools, and Calculators
  • Video tutorials of each module – so you can watch and learn – perfect if you never have time to read!
  • Web-Based access to all modules, videos, workbooks, and checklists so you can work anytime, anywhere
  • Lifetime updates and continuous learning topics added monthly…so you keep learning!

“The Rich Mama Academy” includes all the tools you need to build a comprehensive plan for Creating Family Wealth

Imagine…

… paying all your bills on time

… being debt-free, at last!

… watching your savings and investments grow

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… knowing you’ll be comfortable and financially independent when you retire

… it’s all possible, when you take charge of your finances right now.

Rich Mama’s Academy: A Complete Guide to Building a Wealthy Family

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Plus, when you order now, you’ll also get these bonuses, free:

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When you join The Rich Mama Academy, you’ll have the tools you need to take control of your financial life again. Well, everything that is, except the one thing that I cannot give: your commitment to act.

You see, The Rich Mama Academy is only for those who will actually implement the lessons. You don’t have to do everything in the system, of course. That’s not realistic.

But if you will act on even a few of the suggestions in this course, then you will see your finances improve.

Act now and you’ll discover the simple ways to:

  • MAKE more money
  • SAVE more money
  • TRACK your money

I guarantee it.

100% Guaranteed

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I’m taking all the risk here, because I don’t want you to. I won’t even ask you ant questions. Just email me to say you want a refund, and you’ll get it.

Click the order button below to get instant access to “The Rich Mama Academy: A Complete Step by Step Plan for Creating a Wealthy Family”

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Heading For Financial Disaster? Don’t Get Mad, Get Smart!

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Yes, please send me instant access to The Rich Mama Academy: A Complete Plan to Family Wealth. I want to regain control of my finances and stop worrying.

I understand that I will get:

  • A Complete 80+ Page, 16-Module Home Study Course in PDF format
  • Video Tutorials
  • Printable Companion Worksheets and Cheat Sheets
  • Budget Helpers, Worksheets, and Trackers
  • Bonus Audio Interviews with Financial Experts
  • My Secret Resource List of Helpful Money Sites, Tools, and Calculators
  • How to Save Money on Absolutely Everything
  • Wealth Building Strategies for Families
  • How to Teach Your Kids About Money

I also understand that I have 90 days to decide if The Rich Mama Academy is a worthwhile investment for me. If it isn’t, all I need to do is email you and I’ll get every single cent back.


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Money problems cause a lot of stress. You don’t have to keep living with it. Face your financial problems straight on, and finally enjoy a financially stress-free life.

To true wealth and prosperity,

Andrea Stein – aka the RichMama

P.S.: If you’re having any money problems at all, you need to take action before it’s too late.

P.P.S.: When it comes to finances, the sooner you earn more and save more, the sooner you’ll get ahead. Get started today, risk-free, for 90 days.

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Contact/Questions/About

Your Questions About Pay Off Credit Card Debt Fast

Ruth asks…

What is the fastest way to pay off credit card debt?

richmama answers:

Try cutting expenses.
This is easier than you might think.
If you eat out everyday, try eating out 2 a week and taking your lunch on the other days.
Do you really need 300 cable channels?
If not cut your cable lineup alittle
Can you switch to a NO interest credit card (I just got one from bank of america 1800 732 9194 and they gave me a no interest free transfer)
Can you have a garage sale or sell a few things that you dont use anymore on ebay.
$100 a month (which is not unrealistic) would put a HUGE dent in your credit cards if you were able to apply that on top of what you are already paying.

The most important thing is YOUR DESIRE!
Since you have that, the rest is EASY and you can do it~
GOOD LUCK~

Jenny asks…

what will pay off a credit card faster? $50 a month on 9% or $100 a month on 23%?

i have just successfully paid off a credit card! (yay for me!) but i have more to go all ranging in interest from 1.9% to 24% the one i just paid off was 24% with a small balance. now here’s my question. i paid $50 a month on that card like clockwork every month even though my payment was only supposed to be $15. i’m now used to spening $50 a month on this bill. i have another card offer for a fixed rate of 8.99 %. should i get this card and transfer a small amount from one of my high interest cards (like $300 at a time) and pay $50 a month on that to pay off each transfer in about 6-7 months and keep repeating it till done with my goal(i won’t use this card for anything else). or should i just take that $50 and add it to another existing card to make that payment $50 higher? i would still continue to pay all my other cards on schedule (and i always pay a little extra on each one as best as i can) i have approx $22K in credit debt on various cards thanks to my ex-hubby. i make 30K/yr!

richmama answers:

Myself, I like to get rid of the smaller-debt cards first, because it makes me feel like I am getting somewhere with my debt. It also allows me to snowball the payments to the next card. So if I had three cards at $300, $600 and $900, I would go in that order for paying them off, regardless of the interest rate. I would continue making payments to the larger balances (minimum payment), then I would take the extra payment from the card before and apply it to the payment going to the larger one. This is what works for me. Because if I were to try and tackle the $900 one first I may fall off track. So getting some “quick wins” works for me.

Donna asks…

What is the fastest way to pay off credit card debts other than consolidating them?

I have heard that paying the highest interest rate card off first is the best way, but I have also heard that paying the lowest amount off first is the best way. I’m open for suggestions , thanks.

richmama answers:

Start with the highest interest rate card or the card with the lowest balance–whichever you prefer. Only pay the minimum on the rest of the cards. Any extra cashflow should go to paying off the chosen card. Once it’s paid-off, snowball the money that was going to that card to the next card you choose to pay off…and so on, and so on. By choosing the highest interest rate card first, you obviously are eliminating the most wasted money being spent on interest; however, sometimes it’s a smarter move to start with the smallest balance so you feel as though you’re accomplishing something and don’t become discouraged. On that same note, it is important not to put every extra penny onto paying off the cards. You MUST leave yourself a little “fun” money or you WILL become discouraged and throw in the towel. Good luck! You can do it! It’s worth it!!!

Mandy asks…

Is it better to pay off revolving debt at a low rate or installment debt at a higher rate?

Let’s say you have a student loan at 8 percent and credit card debt at a fixed 3.99 percent. Conventional Wisdom says pay off the higher rate debt first. But, I have read that paying off credit card debt faster improves your credit score, which can save you thousands on a mortgage. So is it better to pay off the lower rate credit card debt and improve the credit score, or the higher rate debt and save the immediate money on interest.

richmama answers:

I’d say if you were buried, then ya, pay off a smaller one first just to get momentum going. However, your openess to approaching this situation and manner about doing so indicates that you might not need that added “ego” boost.

That said, most people would say (and as you say, conventional wisdom too), pay off your highest rate debt first and work your way down. At 3%, you could put that money in cds, etc, and earn 5%. Keep the 3% debt unless you have excess cash. Pay the 8% stuff off first. Once complete, that’ll allow you to get more debt at favorable rates as well.

Check out Suze Orman’s site for a few tidbits,

http://www.suzeorman.com/igsbase/igstemplate.cfm?SRC=MD012&SRCN=aoedetails&GnavID=84&SnavID=20&TnavID=&AreasofExpertiseID=5

But it really sounds like you’re ready for millionairemind! That will most likely change your life! It’s a program by T. Harv Eker, author of Secrets of the Millionaire Mind.

Go to millionairemind.com for more info.

It’s pretty amazing.

Hope that helps!

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Your Questions About Family Budget

Mary asks…

what is a good way to start a family budget?

I am looking for a easy budget plan to set up for my family. I don’t want anything confusing or time consuming.

richmama answers:

I agree with Mary… I set up my family budget with a clear list of all our expenses: Mortgage, Car payments, Daycare, Etc. With the days they are due. For the variable expenses, I looked back several months to see what we spent on average on Food, Gas, Cash Withdrawals and Miscellanious. If you see an area that you are overspending, it’s easy to see where you need to trim back. Then list your income to see what you have left. I recommend putting Savings under the expense catagory, otherwise people don’t do it.

Most people have some debt, but may not truely know how much. Along with the budget, to the side of the item like “Credit cards”, put the overall balance. The only way to pay off debt and manage a budget is to have a very clear plan.

List all the debt in another area in order of priority. For example, my husband and I owed a decent amount on credit cards, then a small loan for our wedding rings, one for our golf cart, and student loans. The credit card was the highest interest rate, so we paid the minimum on everything else and paid as much as possible to the credit card. Once that was paid, we compounded what we paid for the credit card along with the next item (student loan) and paid that off like crazy. By the time we got to the last item, we were paying $800 a month off our last debt because we compounded it.

I know you said you didn’t want anything time consuming, but if there is anything to spend a few more minutes on a month, it would be your family finances.

Lisa asks…

Where can I find some family budget spreadsheets?

I want to make a budget for me and my family. I been trying to make one for the last couple years. We have some debts we wanna pay off and a financial goal. thanks for your time.

richmama answers:

Right on your computer. Microsoft spreadsheet. Use some accounting tools, like assets, liabilities, and owner’s equity. Then break it down from there.

Nancy asks…

How do I create a family budget?

How do I create a family budget that’s easy to implement and follow for years to come?

richmama answers:

I would recommend spending $19.95 on a book Called “Financial Peace” Written by Dave Ramsey. “More than Enough” is also a good second book if you like the first written by the same author. The book is written on an easy to read (6th grade level) It covers budgeting and gives sample budget’s it also encourages you to sit down with your spouse to establish and keep a budget. I do not use all Dave Ramsey’s suggestions but anyone that does will not go wrong. The base of his teachings is very valid and useful. I firmly believe anyone starting out with these tools will not go wrong. Remember in life though a little common sense goes along way Good luck to you

Donald asks…

Best websites for establishing a Family Budget?

I need to get my family on a budget. I’m Bad with money and am willing to learn how to get better- but I need a starting point.
Any suggestions?

richmama answers:

I suggest you go to Dave Ramsey’s website. He has a lot of financial forms or you can do the budget on line. He also has an easy to understand book The Total Money Makeover to help navigate a budget, get out of debt, save for emergencies, save for big purchases, save for collage, retirement, etc.

We have used his plan for about 3 years, we love his advice.

If you end up thinking he is too intense then try Crown Financial (link below).

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Your Questions About Pay Off Credit Card Debt Calculator

Daniel asks…

Should I apply for a fixed rate loan to pay off credit cards?

I have $25,000 in total credit card debt (3 cards). Interest rates are 4.99, 5.99 and 11.74. The card with the highest balance is also the highest interest rate. According to a debt calculator I used, I can pay them off in 42 months with my income. I have been offered a fixed rate personal loan of $30,000 at 7.74%. I would pay off the credit cards and use the rest for legal fees (personal situation). Using the same debt calculator, I can pay the loan off in 48 months easily and probably sooner.

Is it worth it to apply for the loan? Will it hurt or help my credit? I do need the extra cash and do not want to take it from my home equity or put more on credit cards. Thank you for your responses.

richmama answers:

Why would you take 2 credit cards that interest rate is LESS than the fixed rate loan and transfer them to a higher rate?

Use the loan to pay off the highest interest card……pay the minimum on the 2 lower cards but take the payment you were making on the 11% card and send it to the fixed rate. This should help bring that balance down faster. When the fixed rate loan is paid, take that payment and add it to next higher interest card until paid off and then take THOSE payments and send them to the lowest card. Make sense? OR…see if you can do a balance transfer of all 3 cards onto a 0% credit card and go from there. It would only make sense to transfer all 3 if you can.

George asks…

20% down on house or pay off low interest credit card and/or car?

We are planning on buying a new house. We have enough money to put a 20% down payment. We also have credit card and car payment debt that is a little less than the 20% we could use for the house. The interest rate on the card is 4.99%. The car loan is 6.4%. The home loan will probably be 6+%. Since the interest rate on the credit card is less than the rate of the home loan, would it be better to put the 20% down on the house and then try to pay off the card and car loan in a few years or would it be better to pay off the card and car loan now and and just put 5% down on the house and have to pay PMI? Or maybe something in between like pay off the card but not the car (or vice versa) and put 10% down on the house. Is there a calculator out there somewhere to calculate the cheapest route?

Thanks…
We are working on paying down the credit card and car loan. At current rate they should both be paid off in about 4 years.

richmama answers:

Pay off the car and credit first. The interest on the house is tax deductible, where as the others are not. So 6.25% on the mortgage actually becomes (6.25% x (1-marginal tax rate (say 25%) = 4.68%. As long as your PMI is less than (6.25% – 4.68%) 1.57% of your home value it is worth paying off your other debt first.

Susan asks…

pay off credit cards or use with buying a car?

OK, I know I need to get a different vehicle soon and what better time to do it then at tax time? I am anticipating about $1,000 back and I was thinking of using it to assist in purchasing a vehicle, but then I got to thinking, “Would it be better to pay off $1,000 of the $1,400 in credit card debt i’m in or use it for the vehicle?” The credit score analyzer calculator said my score would be around 680 if I paid my credit cards down that much (compared to my current 647 score). Should I pay that towards credit cards or use it toward a vehicle. Either way, I am going to the bank to get a vehicle loan, so if I used that $1,000 toward a vehicle, that would be a $1,000 less I need to borrow. I am stuck on this one guys…any suggestions?

richmama answers:

I would use the $1000 to pay off the credit card debt first as generally, credit card debts carry a higher interest rate. Besides, as you mentioned, this would increase your credit score, too. With a higher credit score, you might get a car loan with a lower interest rate as well. In general, a car loan from bank would have a lower interest rate than the interest rate from the credit card of the same bank. Thus, lower your credit card debt as soon as possible.

Sandra asks…

Online debt calculator that takes into account future charges?

I am in the process of trying to get out of debt (pay off my credit cards, etc). But, life gets in the way and sometimes I have to use them.

Are there any debt calculators out there that take into account new charges each month?

For example, if my debt is $3000 and I am paying $400/mo, but still charging $100/mo, with an interest rate of 10%, it is going to take me X months to pay off my debt.

Thanks!
Sorry to confuse – I don’t need a debt counselor. I have a plan to get out of debt and my debt it quite managable right now. I am simply looking for a calculator. Thanks!

richmama answers:

Debt consolidation

getting out of debt is pretty easy with a debt consolidation plan
however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is:

http://umgarticles.atspace.com/debt-consolidation.htm

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