Question: Our credit score is in the mid-400s. We are in debt for $5,500 at payday loan stores; we stopped making the payments since we got behind our other bills. We live paycheck-to-paycheck, have no savings and don't have much left over each month. We don’t eat out and movies are once a year. We got our Nissan Xterra in August. We’d like to sell it, but no one would buy it with $18,500 balance.
Question: My dilemma is this: How can I convince my wife that this is possible? She thinks the idea of living on one income is unreasonable. We tried it before and failed miserably, I believe, because we were uneducated and unprepared.
Annette said that we (our family) are the hope and change that America needs. Is that too bold a statement? We don't think so. America and American's have over spent and over indulged for too long. We can no longer sustain this type of lifestyle and in truth, it really isn't healthy. Let's get back to the things that made America great—hard work, careful planning and strong personal ideals. Read the article from
Question: After a few years of neglect, I had a minor dental emergency and found that I need to spend $7,000 to completely fix my bad teeth. Unfortunately, we don’t have dental insurance. How does your family deal with dental issues? Do you think dental insurance is worth the expense?
Question: You mention using a price book to help you establish a “buy price.” Can you describe how you set up a price book? I am good at clipping and using coupons, but I have a horrible memory when it comes to remembering prices on everyday items.