Personal Budget Training

Evicted Family Lives In A Car

A desperate family with a baby on the way are living in their car after their home was repossessed because they could not afford mortgage payments.

A couple became the latest victims of Britain's credit crunch when they could no longer afford to pay their $125,000 mortgage.

Laura Whitney, aged 28, who is four-months pregnant and her partner Richard Webster, 32, have spent the last two weeks crammed in their family saloon with children Jessica, seven, and Jack, two.

The family could no longer pay their mortgage, which has an interest rate of 10.9 per cent, when their sub-prime lender increased payments by $360.

They were forced from their house at Batemoor, Sheffield, and moved straight into their car.

Laura claims her family had not been given priority for housing by the local council. They were turned down for private-rented housing because the repossession gave them a bad credit rating.

Increasing payments strained the family budget and in December, Laura and Richard had to choose between a mortgage payment and buying Christmas presents for their children.

Laura's former husband agreed to lend them the money for a month's installment, while she contacted the Citizens' Advice Bureau who advised her to ask for an interest-only mortgage. It took two further months for the mortgage provider to respond and they refused the request.

Labels: Debt, Sub-Prime Mortgages

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Should You Rasie Your Credit Score?

I came across a post that gives 7 steps to raise your credit score.

OK, here are the highlights of this post I found entitled 7 Tips for Raising Your Credit Score:

1. Pay your bills on time and every time.
Nothing wrong with this, that is one of the ways to stay debt-free.

2. Dispute inaccurate information on your credit report.
According to author, up to 40 percent of people have bad information on their credit reports.

3. Monitor your credit report regularly, at least once a year.
Just head over to AnnualCreditReport to review your free annual credit report from the Big Three. You will have a lot of pop ups and offers, just say no thanks.

4. Do not close old accounts, even if you no longer use them.
As long as you are not paying yearly fees on a credit card, then you could leave it open. But if you are on a budget, you shouldn't be using a credit card.

5. Do not try to open too many new accounts at once.
As I said before the idea of being on a budget is that you do not spend more than you make. Therefore, there is no reason for you to open ANY accounts.

6. Never charge more than 30% of your available credit on any of your cards.
This is one of the reasons why there is a subprime mortgage market. People with bad credit, looking for more credit.

7. If your credit score is low, consider getting a secured credit card.
A good budget with a fully funded emergency fund, can keep you away from credit card use and debt. I was looking for work for four months after retiring from the Navy last year and I was still able to support a family of 11 on our regular budget amounts because of a full emergency fund.

Don't even be tempted to sign up for a credit repair company, the only things that you can remove from your credit report are inaccuracies. If something is not right, you have the right to challenge it by writing to that credit bureau that reported it and say the item is inaccurately reported. The Federal Fair Credit Reporting Act gives them 30 days to fix the item or remove the entry. You can send a letter certified mail to take care of it.

Do you know what your credit score really is? It is your "I Love Debt" score. The only way you get a big FICO score is to get in debt, stay in debt and make a lot of debt payments.

Labels: credit, credit score, Debt, emergency fund

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Living the High Life in a Shed

Dave Ramsey speaks of gazelle intensity when trying to tackle your debt. Apparently this man making about $100K in NY is a good example.

In a report issued Monday by the NY inspector general's office says a maintenance man who earned $100,000 working at Rockland Psychiatric Center has been living for free in a paint shed on company grounds and even had his mail delivered there. It says he had some of the creature comforts; he had a couch, microwave and refrigerator.

The worker is being charged $2,500 for the time he lived there. Now he's living with his wife at a home in Pearl River, about 3 miles away.

I am sure there is more to this story than poor reporting. It would be worth knowing his reason(s) for living there, debt maybe?

Gazelles learned that the cheetah is only the fastest animal on earth while running in a straight line. So when being chased, the gazelle bobs and weaves and runs in circles until the cheetah gets tired and gives up.

When dealing with debt, it is time to think like a gazelle. If you are a gazelle and the marketing and credit card companies are cheetahs, bob and weave and run; do whatever it takes to get away. When you get that new credit card application in the mail, you know, the one that promises low introductory interest rates and lots of bonuses, scream CHEETAH! and destroy it as quickly as you can!

Labels: Debt

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Money Crazy

Both money and debt can make you loose your mind.

A banking error either on a student's new Visa Electron card or a fault with the cash machine meant he was about $4 million richer. At first he did know how much he had in his account, it was only when he went back to the ATM to check his balance later that he realised quite how much money he had in hand. He is now $600 in the red after spending part of it on a few luxuries for himself. Too bad he reached his withdrawal limit.

The brother of a millionaire lottery winner hanged himself the day before his family was due to be evicted because he could not bear to ask his sister for another handout. The brother had faced final notices on his mortgage payments twice before and his sister who won over $8 million nine years ago, paid off his arrears.

Labels: Debt, money

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How to Beat Cancer

Apparently this fellow bet that he would beat the doctor's predictions when he was given a short time to live.

Photo from Telegraph.co.uk
Jon Matthews was diagnosed with a rare form of lung cancer in April 2007, a cancer linked to asbestos.

It has now been 25 months and a week since Mesolthelioma was diagnosed and he won about $10,000.

This seems to be the longest the doctors have ever heard of anyone surviving this type of cancer was 25 months.

I would say that the bet would give him an additional incentive to battle his illness. There is nothing like a good challenge, certainly getting out of credit card debt seems simpler.

Labels: Credit Cards, Debt, Gambling

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Boomers Borrowing For Everyday Expenses

Here is a recent article that appeared on Yahoo.

The economic downturn is hitting about one in 10 middle-aged and older Americans especially hard, forcing them to borrow money for living expenses and seeking assistance from family, friends or charities, according to a survey released Tuesday by the AARP.

This is just another good reason to get some personal budget training so you can changed your lifestyles to live within your means. The people in these articles appear to just complain and not do anything to change their situations. Get on a budget and you can still enjoy life.

Labels: Budget, Debt

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Credit Card Offers You Can't Refuse

In an attempt to ebb the tide of their profit loss, Barclaycard lays off 900, writes off $3.4 million and encourages cardholders to take cash out.

Recently the UK credit card Barclaycard was labled as grossly irresponsible for urging customers to take out cash on their credit cards. What the customers are not told is that interest starts piling up at a rate of 27.9 per cent the minute cash is withdrawn from an ATM.

It makes obtaining money this way about three times more expensive than taking a personal loan. Customers who do not pay their bill in full as soon as it arrives will find interest stacking up alarmingly.

Getting some personal budget training will decrease your dependency on credit cards. I can't remember the last time I used my credit card.

Labels: Credit Cards, Debt

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The Debt Cycle

An interesting article on how the debt cycle travels with us through life.

Robert Manning, author of "Credit Card Nation," studied the financial spending habits of Americans across generations to discover what influences the spending in their specific age groups.

Debt life stages:

College: As the cost of higher education increases, more students are taking out loans, hoping to pay them off later in life.

Young singles: At a time when people do not have much money, they need it to get established not only in their jobs, but lifestyles too.

Young families: Having children can stretch finances to the breaking point when you are not planning ahead for expenses.

Mature families: A time of relative security, but maybe too much spending due to a false sense of security.

Empty nesters: Now it is time to help the grown-up kids, or going deeper in debt with travel or giant purchases.

Retirees: Time to relax? Maybe.

How do you keep the ugly debt cycle away? Simple, discipline yourself like Paul Navone and follow a budget. As the saying goes, proper prior planning prevents poor performance.

Labels: Debt, money saving tip

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MasterCard Is Feeling No Pain

"The trade of the petty usurer is hated with most reason: it makes a profit from currency itself, instead of making it from the process which currency was meant to serve. Their common characteristic is obviously their sordid avarice."

Aristotle

MasterCard's profit more than doubled in the first quarter of 2008 as more customers outside the United States used their credit and debit cards for purchases.

Card use outside the United States surged faster than in the U.S., with gross dollar volume soaring 30 percent to $352 billion. Regions such as Latin America, South Asia, the Middle East and Africa saw particularly significant growth.

I wonder if investing in credit card companies is a good recession-proof stragey?

Labels: Credit Cards, Debt, MasterCard

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When It Pays To Be Below Average

Legislation aimed at remedying what is view as questionable practices of the credit card industry that keep consumers mired in debt was introduced recently.

Based on the most recent data from the Federal Reserve, the average American family carries an average of $2,200 in credit card debt.

The credit card industry has come under fire from lawmakers in recent months for what some critics have labeled "unfair" practices such as raising interest rates on debt even when consumers pay on time or when their credit scores change.

If passed, the law would stop credit card issuers from charging interest rates on debt that is paid on time and require that interest rate hikes apply only to future credit card debt and not debt already incurred.

Credit card companies have argued, however, that such a law would have dire consequences on all consumers by making credit more expensive and less easily available. At the same time, issuers, and some federal regulators, have argued that new legislation could have unintended consequences. It is said that if this bill is enacted, the financial burdens associated with the higher-risk customers will be spread across all customers.

So with the average credit card debt being $2,200, I guess I am below average with ZERO credit card debt!

Labels: Credit Cards, Debt

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Which Is The Lesser of Two Weevils

Is there a difference between earning more than you spend, or spending less than you make?

Think about it carefully and you will see that though they sound alike, they really do not mean the exact same thing.

The secret to being debt free, is living beneath your income. The frugalist's ideology is to spend less than you earn. While the the capitalist's ideology is to earn more than you spend.

A frugalist will spend his time searching the web, newspaper, and speaking with his friends to find that next great bargain basement deal. While a capitalist will spend his time searching the web, newspaper, and speaking with his friends to find that next great money making opportunity.

Being a frugalist suggests that you are working within the limitations of what you have. While being a capitalist implies that you are out to consume, or perhaps to sacrifice your precious time for the pursuit of more money.

I particularly like the concept of being what you may call a frugal capitalist, whom you can consider as embracing the positives of both financial philosophies. Dave Ramsey seems to straddling both views. He advocates both when you are in debt to live beneath your income, paying with cash, looking for deals and in a lot of cases, to get a part-time job to pay off those credit cards.

Labels: Dave Ramsey, Debt, Frugal

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Coming Out On Top

Jeffrey just lost his job, has ahouse that isn't selling and has a considerable amount of debt. How is he to get a handle on his finances?

Labels: Careers, Dave Ramsey TV Show, Debt

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How About College For Free?

The college's nickname is Hard Work U because the students pay NO tuition to attend, instead, they all have to work on campus. Read on about this unique college.

College of the Ozarks is dedicated to providing a superior education to qualified students who have financial need. Lack of funds should not keep students from attending college. The College will provide a way to meet the cost of education for every student admitted.

The cost to College of the Ozarks for providing an educational opportunity is approximately $15,900 per year for each student. Most colleges and universities attempt to pass along a portion of this cost as tuition; this is not the case at College of the Ozarks. The college guarantees to meet all of this cost for each full-time student by using earnings from its endowment, operation of its own mandatory student work program, accepting student aid grants, gifts and other sources. In effect, each full-time student's Cost of Education is met 100 percent by participating in the work program and a combination of private, institutional and federal/state student aid.

The participation in the work program might mean spending 15 hours a week working in the Computer Center, Child Development Center, Ralph Foster Museum, McDonald Hospital, or in any of the 80 other work areas on campus.

Gee, a college that teaches hard work.

Labels: college, College of the Ozarks, Debt, money saving tip

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Britney Spears Shopping Sprees

Britney Spears has reportedly dumped paparazzi boyfriend Adnan Ghalib after finding flirty texts from another woman on his mobile phone. And this has Britney running off on another shopping spree to soothe her nerves. Read on more for a summary of the damage.

Britney could lose her millions within four years if she does not curb her urge to spend.

The singer, who was previously worth about 50 million, now has an estimated bank balance of around 20 million due to shopping sprees, holidays and partying. This sharp decline in her wealth is also reportedly due to spending huge chunks of her savings on houses and cars.

According to the Daily Star, Briney's mother and father, Lynne and Jamie, are now in crisis talks with the star over her financial recklessness and its consequences. Her parents are really concerned, for they would have to go out and get real jobs if Britney couldn't bring home the bacon.

A Spears' business associate said to the tabloid that she shocked but she is addicted to buying houses and new Mercedes as she is to the attention of the paparazzi.

"There was a moment when her mother said she could be out of money within four years and her children would still be in primary school."

"That was when she really sat up and took notice."

Don't you think Britney would be a prime candidate for our budget training?

Labels: adnan ghilib, Britney Spears, Debt

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I'll Charge That

Consumers have racked up more than $2.2 trillion in purchases and cash advances on major credit cards in just the last year. And it has become a habit for them to spend more than they have. The overall credit card debt grew by 315 percent from 1989 to 2006, according to public policy research firm Demos.

To compound the problem, fewer people are paying their credit cards bills on time. The percentage of people delinquent on their credit cards is the highest it has been in three years, according to CardTrack.com.

Do you have any credit card bills and do you pay them on time?

Labels: Credit Cards, Debt

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How Much Do You Owe?

Here are the results of CNN's poll on how much credit card debt people owed.

How much credit card debt do you have?
21% More than $10,000
35% Less than $10,000
45% None
----------------------------
Total Votes: 172933

Labels: CNN, Credit Cards, Debt

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35 Tips To Improve Your Finances

Consider new ways to make more money. Read on for some lesser known suggestions to save and invest more. At the ririanproject.com website, I read an article offering 35 "sneaky" ways to improve your finances. Many of them were ones I could recite in my sleep and you probably could, too:

1. Don't get into debt to begin with.

Right, I just told you that I didn't do #1 this time around. So it's not a lecture, rather than a statement of the obvious. Sticking to the budget, and saving up for large purchases is a much more effective way of being a consumer.

2. Pay yourself first.

If you're in debt and worried about the creditors it's easy to forget to do this. However, it's important to remember to put in at least 10% of our income into savings. Truth is, if you have been doing this all along, you might have had a savings account that will take care of that holiday spending without incurring interest on the credit cards.

3. Make extra debt payments.

Mortgages and other debts tend to accumulate thousands of dollars in interest debt. By making extra payments each month toward our dept we will be able to eliminate some of the interest and save in the long run.

4. Live beneath your means.

Consider that you don't need the engine upgrade on your car, an extra bedroom in the house you aren't using, or the latest ipod when you already have one. There are certainly endless ways to cut costs, and what you're cutting can be tucked away.

5. Direct deposit your earnings.

When you direct deposit your paychecks, you can mark a certain amount to be automatically transferred to a savings account. This way you aren't tempted to spend, and you don't have to worry about it.

6. Ignore your raise.

If you happen to get a raise at your job ignore the difference. Instead of taking this opportunity to spend more, use the opportunity to pay off more debt, or put more into savings, while not changing your life style one bit.

7. Create a second income stream.

If you happen to have a hobby that you enjoy doing, and can monetize it at the same time, this would be the ideal way to make a secondary income. Another good way is to create an information source, such as a blog, or ebook, in which you can share your expertise, and receive a monetary compensation in return.

8. Find out where your local library is and actually go there.

I regularly use my library in order to borrow free books, books on CD and free audio CDs to listen to in my car. For someone who's biggest passion is personal development, this adds up to a big savings.

9. Downgrade your toys.

There are many things you can downgrade that will not only save you money, but save you time as well. You can downgrade your phone plan, your cable television, your blockbuster online membership, the monthly tanning salon charge, or whatever else you aren't using, but are getting charged for.

10. Sell what you do not use.

Many of us having things around the house that we have not used in ages such as clothes, gadgets, jewelry, etc. Not only can you declutter, but you can earn some extra money by auctioning your items off on ebay, or hosting a garage sale.

11. Freelance.

If you have a skill that is in demand there are many freelancing job boards, such as craigslist, where you can pick up a client in your spare time, and make some extra money.

12. Keep a little black book.

Keep records of people who borrowed money from you, and make sure gently remind them that the money is owed to you. Might as well tie up all loose ends.

13. Request a raise.

If you've been putting in good work at your job, it may be time that you deserve a raise. An employer can often overlook giving you a raise if they believe that you are willing to work for what they are paying.

14. The Fundamental.

Earn more than you spend. It's that obvious, so do it!

15. Cut down on meat.

Not only is meat more expensive than vegetables per serving, but you'll also be saving the environment in ways you might not have considered.

16. Weather-proof your home.

Insulating windows, doors, attic entrance, basement entrance, and garage doors. Keep your heat in, in the winter, and keep your cold in, in the summer. Do you know that it does not pay to air condition the whole neighborhood?

17. Use a digital thermostat.

You can program your AC and heat to turn off while you are away at work, and turn on right before you arrive. This way you are still comfortable, but save when you are not using it.

18. Trees in the yard.

If it's climate appropriate, planting deciduous trees such as maple, oak, or elm will provide shade in the summer to save on AC, while being leafless in the winter to not block the sun.

19. Use compact fluorescent light bulbs.

Instead of regular incandescent light bulbs. If every US household switched just one bulb, it would be equivalent to taking 7.5 million car off the road, and saving energy to light about 2.5 million homes for a year. To you it means you will be saving money on electricity while saving the environment.

20. Cook at home.

By cooking all your meals at home, and bringing food with you to work, you will be eating cheaper and healthier at the same time. It is hard to make a healthy choice when you are out and in a hurry, but cooking yourself you know exactly what you are using for ingredients.

21. Plan ahead.

It's easy to overlook periodical and seasonal expenses when formulating your budget. Think about the holiday shopping, important birthdays, car maintenance, and school supplies that you may need in the future. Put extra money in your budget for these things so you don't deviate later.

22. Figure out your debt.

Take a sheet of paper and identify where you owe debt to. Use this information to formulate a pay-back strategy.

23. Highest interest first.

Take the highest interest debts that you owe and pay those first. You'll end up saving a potentially significant amount of money.

24. A necessity list.

When you are craving for the latest fashion accessory or gizmo that isn't necessary to your immediate survival, write it down on your list. After a month has passed, see if the urge to get it has subsided. Chances are this is something you could do without and would be bored with in a month anyway.

25. Join a group.

Meetup.com offers free meetup groups and seminars for just about anything. Join a finance or get out of debt group in order to surround yourself with like minded people. Maybe you'll meet some new friends whom you can enjoy low-budget activities with instead of the ballers you hang out with now.

26. Get the last model.

Some people live impulsively and must have the latest everything. From cell phones to cars, if they're not in the newest model they are not satisfied. Take advantage of the fact that items depreciate in value very quickly and buy some things used. You get something functional for a fraction of the price.

27. Shop smart.

Ebay, buy.com, bens bargains, and an array of other frugal shopping sites give you the ability to find great deals. Save hundreds of dollars by shopping around and never pay retail.

28. Bring your lunch.

Whether you have to cook ahead for the week, or make time in the evening to just cook a day ahead, bringing your own lunch is cheaper and healthier. You know you use fresh ingredients, pay super market prices, and avoid traveling to get lunch. Save between $3 and $5 a day for lunch and that is over $1,400 a year saved.

29. Change that habit.

The daily latte ($4), the pack of gum ($0.75), the super-size meal ($0.60), the late night drive-through ($7.50) - you get the point. That alone will cost you nearly $4,444 a year. Think you can live without it?

30. Have a monetary goal.

What is the reason that you want to save money for? Is it for retirement, an exciting adventure, or a material item that you're just dieing to have? When you have your goal clearly defined you feel more motivation to achieve it. You'll feel better saving money for the big pay out instead of blowing it away on instant gratification.

31. Save your change.

Let us say that on average you have 75 cents left in your pocket at the end of the day. If you collect that money, and use the Coin star machines will have saved over $250.

32. Public Transportation.

Instead of owning a car, paying a lease, splurging on gas, and insurance on top of that, simply take the bus, train, subway, or ferry. You'll save big while saving the environment.

33. Use Rich Dad's Percentages.

60% Expenses/assets/investments. 10% Donation. 10% Long-term savings. 10% Short-term savings.

34. Keep temptation away.

Stay away from places, such as malls, where you will be tempted to spend.

35. Curb your addictions.

Every vice, such as tobacco, drugs, alcohol, porn, and junk food takes a toll on your health, wallet, and time. Eliminate the vices, and greatly improve your life.

Labels: Debt, money saving tip, personal finance

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Should You Get Someone To Help With Your Debt?

Debt-management companies manage your debt by taking one monthly payment from you and distributing the money among your creditors, with whom they have often worked out lower payments and a lower interest rate. This is not a loan like debt consolidation. When you use these companies and try to get a loan, you will be treated the same as if you filed for a Chapter 13 bankruptcy. Mortgage underwriting guidelines will consider your credit trashed if you use one of these companies. When using these companies to get out of debt, it will not change your habits of frivolous spending. You have to do that yourself.

Labels: Debt, Debt Reduction

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Dave's Myths vs. Truths

Dave talks about the myth of using debt as a financial tool. The truth is getting rid of debt is key to building wealth.

Labels: Dave Ramsey TV Show, Debt, debt myth, personal finance

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Foreclosure Affects Everyone

Homes lose about 1% of their property value for each foreclosure within an eighth of a mile. Nevada, California and Florida have posted the highest foreclosure rates in the country for the past several months. If you are adventerious and seeking a good deal, buying a foreclosed house could save you thousands. Keep in mind the auctions are usually "as is", so do your homework.

Labels: Debt, foreclosure

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Three Examples of Good Debt

Browsing through CNN's Money website, I came across this article about the three examples of good debt. The three listed were, buying a house, paying for college and financing a car. What's wrong with this picture?

A car is the most depreciable asset that you will ever own and it can depreciate by 60% in the first four years. With a good budget and foresight, you can pay cash for a two year old vehicle and still enjoy a good ride. This article also advocates taking out loans to pay for college, strike two. I have earned three degrees with no debt, raising a family on one income, it can be done. I was relieved to see buying a house listed. Now that is an almost fool-proof investment under certain conditions, you make realistic improvements to the property, you buy the house below market and you stay in the house for a reasonable period of time.

Labels: Debt, Debt Propaganda

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How Not To Get Rid Of Credit Card Debt

I was surfing at Bankrate.com and came across advice on how to get your credit cards under control. Out of their six steps, I agree with step one, after that only one, maybe two more of them will actually take care of the credit card problem. The other three steps do not correct the problem, only gets you access to more debt!

The only steps to take are:

1. Stop using credit cards and write down all your debts except your home.
2. Arrange them smallest balance to largest.
3. While making minimum payments on the larger balances, start paying on the first debt until it is gone.
4. Keep the snowball rolling to the next debt and the next. You will start seeing the wins early with the smaller debts and actually get to see some accomplishments.

I cannot express how a budget can change your life and give you a piece of mind that you are in control of your finances.

Labels: Budget, Credit Cards, Debt

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Dave Ramsey helps a caller dig out of $65k of debt!

Labels: Dave Ramsey TV Show, Debt, Video

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Google Wedding

The wedding of Larry Page, the co-founder of Google, on Sir Richard Branson's luxury Caribbean island generated a swirl of excitement despite attempts to keep the nuptials private. Up to 600 people were expected to witness Page tie the knot with doctoral student Lucy Southworth on Necker Island, Branson's 74-acre British Virgin Islands hideaway. The prestigious guest list apparently included the Clintons, U2's Bono, along with Hollywood stars Leonardo DiCaprio and Jonny Depp.

I do not think the Pages will have any money troubles, but if they do, Dave Ramsey offers some good advice for couples to get out of debt.

Labels: Celebrity Finances, Dave Ramsey, Debt, google, Hillary Clinton, Jonny Depp, larry page, Leonardo DiCaprio, U2

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Young Americans in Debt

Labels: Dave Ramsey TV Show, Debt, Video

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Monday, August 4, 2008

Evicted Family Lives In A Car

Wednesday, July 30, 2008

Should You Rasie Your Credit Score?

Tuesday, July 29, 2008

Living the High Life in a Shed

Saturday, July 12, 2008

Money Crazy

Monday, June 9, 2008

How to Beat Cancer

Friday, May 23, 2008

Boomers Borrowing For Everyday Expenses

Wednesday, May 21, 2008

Credit Card Offers You Can't Refuse

Tuesday, May 20, 2008

The Debt Cycle

Wednesday, May 14, 2008

MasterCard Is Feeling No Pain

Tuesday, April 29, 2008

When It Pays To Be Below Average

Friday, April 18, 2008

Which Is The Lesser of Two Weevils

Thursday, April 3, 2008

Coming Out On Top

Thursday, March 6, 2008

How About College For Free?

Wednesday, March 5, 2008

Britney Spears Shopping Sprees

Monday, March 3, 2008

I'll Charge That

Tuesday, February 26, 2008

How Much Do You Owe?

Friday, February 22, 2008

35 Tips To Improve Your Finances

Tuesday, January 8, 2008

Should You Get Someone To Help With Your Debt?

Thursday, December 20, 2007

Dave's Myths vs. Truths

Tuesday, December 18, 2007

Foreclosure Affects Everyone

Monday, December 17, 2007

Three Examples of Good Debt

Tuesday, December 11, 2007

How Not To Get Rid Of Credit Card Debt

Dave Ramsey helps a caller dig out of $65k of debt!

Monday, December 10, 2007

Google Wedding

Thursday, December 6, 2007

Young Americans in Debt

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