Help needed

[Brownstone]

I would call the credit card companies and negotiate lower interest rates, a payoff balance or a payment plan. Sometimes you can get lower interest and lower payments.

This. If this doesnt work, there's bankruptcy as others have mentioned. With your monthly minimums, you are paying alot in interest payments.

You shouldnt need a landline. I am in a similar situation and the calls for my unit go to my cell phone. Cut the cable too.

How is the job search going?

[HotMess]

Also: regarding this $5000 in equity your husband is going to pay you. How much does the house actually have. Is it only 10K? If it's more than that, I would hold out for my fair share. If he doesn't want to pay it, you need to sell it. How is the real estate market in your area?

Also re: the insurance. Look hard at the renter's and auto insurance, deductibles and what not. Shop around if you have to.

If you have any other 0% offers you can transfer your other credit cards to, do it. You will pay off your balances that much quicker.

It goes without saying that at your age, using your IRA to pay bills should not be under consideration.

The house has been on the market for over a year. We bought in 2005 at $299,900, and it has been sinking in value since then. Our reator told us we'd have to drop it another $15000 to $240,000 to get it sold this spring. So we did work out an agreement that he is refinancing and will pay me off. It is not as much as I wanted, but it is cash now.

I will look to see if I can find a 0% offer on a credit card.

Thanks!

[HotMess]

Also: regarding this $5000 in equity your husband is going to pay you. How much does the house actually have. Is it only 10K? If it's more than that, I would hold out for my fair share. If he doesn't want to pay it, you need to sell it. How is the real estate market in your area?

Also re: the insurance. Look hard at the renter's and auto insurance, deductibles and what not. Shop around if you have to.

If you have any other 0% offers you can transfer your other credit cards to, do it. You will pay off your balances that much quicker.

It goes without saying that at your age, using your IRA to pay bills should not be under consideration.

Things to consider: how old is your car. Is your bf going to be habitating with you for long? in some states this is a common law marriage which can mean comingling of community property - does he have stable financial situation? Get an emergency fund going immediately, even if only a couple of hundred dollars - you have got to that and keep seperate and don't spend (actually mine is mainly for dogs and any car repairs). You don't need to answer these here just consider it.

Again never cash in a retirement fund to pay credit card people.[/QUOTE]

Car is a 2007 Toyota, and I plan to drive it until I die or the kids pry the car keys from my arthritic crippled hands.

BF is slightly more stable than I am, but comes with a whole 'nother set of issues. I am as sure as I can be that it will be a long term, but then again...

I move 10% of my pay to an account in another bank that is harder to get to. It is there for emergencies.