Have $17K credit card debt. Should I stop IRA cont. ($100/mo.) to help pay off cards? - pre tenn video
Age: 47 Gender: F; pay up to $ 400 + in credit minimum payment (+ + additional financial burden when I can). Revenue: $ 900 plus retired $ 80 - $ 500 for the month of substitute teacher (not a constant). Apply to full-time. Jobs limited to $ 11/hr or less. Not help a university degree in public administration - jobs for nurses and truck drivers. 2 pre-teen, 1 husband furious, 2 loyal dogs. The debt is 95% try to start their online business without customers. Still in the contract with 2 companies marketing plus $ 60 per site for many months. Fee. You can leave contract until June 2007 so that I think about on the site if their promises come true. Man wants to stop the payments of $ 100 per month to Roth IRA, IRA payments for children's education ($ 50 each = $ 100 per month) and receive a full-time employment.Transferred in the past year and may not have sold the old house to double the mortgage. Bank will not lend me money because of the guaranteed floor, the man will not leave me with the new truck or a piece of land in Tennessee as collateral for the loan.
Wednesday, February 17, 2010
Pre Tenn Video Have $17K Credit Card Debt. Should I Stop IRA Cont. ($100/mo.) To Help Pay Off Cards?
8 comments:
Yes
In the interest of 28% for credit cards, and 8% return on the IRA up to $ 1.67 per month saving in connection with the IRA in the amount of $ 100 on your credit card.
Get a job, any job, and apply all that credit card payment. The total working hours to 11 hours per full time have been exhausted $ 17,000 credit card debt in the year and quarter.
How much do you pay for the last hour? Can until the last minute and use it when you find a job $ 20 per hour? How long do you need to get a job at a rate of one might think is acceptable? Even if you think these things through the company credit card a debt for every dollar that you have found.
You spend $ 4700 per year just to keep afloat. How many websites can be initiated if it is an extra $ 4700 per year?
Please read the book by Dave Ramsey Financial Peace ,'',''. Go to a used bookstore, or go to used books abe.com.
His answer is not bad luck.
In the meantime, stop the EIRA and close the site in June, if you build a web site a small store in Yahoo for a few dollars per month.
Good luck.
Decline in personal contributions to the IRA have only limited impact on the taxes monthly. Try not to touch the IRA educatioal, if possible. To reduce premiums, but you can continue to maintain. that a) they give a tax cut less and b) help to maintain momentum to help their children to the universities. Remember that the false financial statements, now, cover your man into account the monthly cost of the need for a deficit of 2 children in school. You save in the long run, which hold the funds of the University now.
How is your monthly income over $ 1000. Here are some things you can do:
Would be 1) I pay more the IRA to your children and you need to fix their own mess, and their children well on their own.
2) Depending on available funds in the IRA account, you may be able to flow only $ 25 per month for a fund (you should read the prospectus for the investment plan, a monthly minimum fee) found.
3) You may be able to consolidate their debts, to reduce the monthly payments. Take a look at Primerica that help families who are themselves great out of debt.
4) If you have insurance, you should find to a cheaper fare. You will receive no interest in sticking to one company over a long period of time. If a company offers a cheaper fare, then go with this company.
5) Create a table of the budget to see where you can lower your costs.
Good luck!
1. If you can not sell the old house, why? For the right price every house is sold.
Reduce the lease, sale price, too?, O retreat, and the news.
2. Second $ 17,000? OH MY! I would reduce the IRA at $ 10 per month until the family situation improved. I think you need to get a job full time. It determines transferable skills.
3. And that is being sold for $ 60 per month site fee make money at their expense. You can to a site of $ 30 per year.
4. Find a way to end the contracts with the "marketing business". If you have nothing to do, not do a good job of marketing to you. They give you a monthly detailed list of what they were doing when they ask to pay up?
5. I do not use the law on the issue of security either.
With so much debt, I would get rid of both IRA and prices online. Who is 260 per month could be used on this debt, which would pay about 5 years, if you add a credit card. College may be made through donations and loans, and can be effective when children are in school and will be better as not simply a free walk through.
And this double mortgage must, in fact, that would solve the whole problem. I want this thing at any price that you can get reasonably speaks for sale. Reduce your losses with a rate of 60 per month net is a waste of money.
The alternative is to be kept things as they wait for the IRA and 11 to an hour, working full time. This creates problems that do not have regular income and who is too young to not be a regular paycheck. I would also be a man in anger, but you can solve this problem.
Apply for a 0% credit from April CRD and must transfer a balance.
nasty cut in half, atleast try to rent their old house
to cover the mortgage. atleast try to double payments
on credit cards, or atleast call a credit counselor
Cooperation with credit card companies to reduce their
Payments and interest rates. This will remain on your record
7 years, but it seems that your credit card is already perfect already.
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