After thinking about selling my house, I have decided to stick it out at least another year and am in the process of refinancing. The lower interest rate will save me quite a bit each month, and I am "rolling in" a home equity loan ($14,000) and the last remaining credit card I have ($10,000...

The past few months have been pretty tumultuous. I'm no longer selling my house. The main reason I was doing it was to move in with my boyfriend, and we both realized it wasn't a good idea for many, many reasons. Although the economic benefits for me would have been great on a short-term basis...

Well, I've decided to sell the house and all the stuff. I'm going to move in with my boyfriend on a "roommate" basis. I'll have my own room, my own space, and just split the bills with him. If it doesn't work out, I'll have enough in savings from the sale of the house to...

Hello everyone, I'm new here and this is my first post and I'm asking for help... that says a lot about me, I guess, but I promise to contribute whenever I can! The thing is, I consider myself a very lucky person. I cohabit with my boyfriend and we live on his earnings. I'm starting off as...

It was 2002 when I first heard about the Dave Ramsey method, but it just confirmed what I knew to be true about money, debt, and freedom from my upbringing. Somehow along the way, though, I went astray and bought in to the whole consumer culture with quick credit and no savings. I had let myself believe...

Well, I've gotten paid from a new client and used part of the money to pay off a store credit card (at 0% interest) that I had opened to pay for a new mattress and box spring 18 months ago. I love my bed -- it's a tempurpedic and it really is restorative to sleep on (my dog and cat think so,...

Like everyone, I've been following this whole financial meltdown in the news. A lot of us regular people have been saying "what does all this mean to me?" Well, I was listening to a call-in show on my commute yesterday and an economist was answering questions really clearly. He said, "What...

I will never forget the day I found out we were expecting. We had $75.00 in the bank (checking and savings combined, mind you!), had just quit one of my part-time jobs (and was only a few days away from being fired from my other) and was holding a positive pregnancy test in my hand. Actually, I was holding...

Well, I just got paid from a corporate client for my training business. Phew. I have had no income for about a month, and have been really stretching my pennies and living off savings (but NOT living off credit, for the first time in the past 20 years or so when in this situation -- why do I always get...

I currently accept credit cards for payment of my training services. Most of my clients are corporations, though, and they pay me by check. I occasionally have individual clients who pay for themselves, but most of these people pay by check. Once in a while, someone pays by credit card. I am personally...