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post #1 of 7 (permalink) Old 07-28-2011, 09:38 PM Thread Starter
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Financial Help

Our finances are royally fucked up right now and I just can't seem to get caught up. The $110 tax bill dh didn't pay in April just arrived today and it was the straw that broke my back. Everything but the mortgage is behind. Literally everything. 2 of our 5 student loans are in deferrment and I still can't catch a break.

I need someone to sit down with me to go through it all and come up with a plan to get this mess straightened out. I know there are debt consulting agencies (I found one with an actual office in my town) that offer free services. Has anyone used these? How scammy are they?
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post #2 of 7 (permalink) Old 07-28-2011, 09:56 PM
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Re: Financial Help

You need to go to and get the excel slread sheet. There is one I've posted before linked here somewhere as well you could search for that.

List all income and all debts no matter how small.

If you bank online with boa or wells fargo you can even see where all your money is going.

If you don't have enough income you have to reduce your output or incease you income. There is no debt reduction/payoff company that can help with a debt sink hole.
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post #3 of 7 (permalink) Old 07-28-2011, 10:11 PM
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todolist is right on the money so to speak. Good luck.
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post #4 of 7 (permalink) Old 07-29-2011, 06:34 AM
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I don't know much about the debt relief places but if you want online help, and dave ramsey's site but have forums where there are people who will critique your budget and help you figure out what to pay first. I'm sorry you're struggling.
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post #5 of 7 (permalink) Old 07-30-2011, 03:53 AM
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I 2nd the Dave Ramsey forums. And his book.
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post #6 of 7 (permalink) Old 07-31-2011, 06:10 AM
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I third dave ramsey. Go to the library, get the Total Money Makeover and read it today.

If you are not bringing in enough $ to pay your bills each month, your options are to get rid of things (what are you driving, can you downsize temporarily?) or someone needs to get a second job. What you have to remember is that they little things add up. A small p/t job that brings in 200/month + cutting cable or something for 20/month plus downsizing a vehicle for 80/month can suddenly equal an extra $300 per month.

or selling stuff. yeah, something might only bring in $10-15 but if you sell 10 like that, your tax bill is paid. etc.

So read the book, create a budget and don't overlook the small stuff.
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post #7 of 7 (permalink) Old 07-31-2011, 09:27 AM Thread Starter
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Thank you all. Click here to enlarge
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