Personal Finance - December 2007

My husband and I are paying so much for our mortgage that we do not have money saved or for things that are necessary. I know that we can not keep living like this or we will never get anywhere.

If we moved into an apartment and started paying rent, would we still have to pay a mortgage at the same time?

What are some ways that we can fix this problem?

PLEASE HELP!

2007-12-03 08:57:29 · 3 answers · asked by sweetpea 2

I've started a new job and my first pay was paid directly into my bank account on Friday before 2pm. It is now Tuesday morning 7.30am and my pay is still not there.

A friend told me that when you start a new job for example and money is being put into that bank account for the first time by the company you're working for that it takes a while for it to get there. The company I work for told me it should be there by Monday.

I'm going to check if they have the correct bank details later on today but before I go and make a fool of myself asking them why my pay isn't there when you said it would I just wanted to know about this delay and if it is true and is there any other reason that banks hold on to payments like that other than for gaining interest off it?

Also I don't know if the fact that I'm Australian makes any difference. I don't know if banks in say Europe or America work differently to our banks but anyone who answers you're much appreciated.

2007-12-03 08:35:32 · 2 answers · asked by matchbook1984 4

I live in Georgia, United States and it's a Monday.

2007-12-03 08:29:31 · 5 answers · asked by Anonymous

I know that I can't receive the money.. but, will I be able to receive it on my 18th birthday?

2007-12-03 07:58:44 · 8 answers · asked by That Girl 3

2007-12-03 07:58:01 · 9 answers · asked by Jacqueline G 1

I guess it is both in my life. I just got an unexpected check and he's a hero! Income tax refunds save the day some years, especially if I spent too much at Christmas!
Most of the time, money is a villian. This bad guy keeps me from doing a lot of things I want to do. He has taken my time and effort, then the bills come in and he just leaves me suddenly, without even a 'Goodbye'! He's heartless!
Live well and do good. Thanks for answering!

2007-12-03 07:50:33 · 6 answers · asked by gentlesoul 6

How can I get my money back? My account has been emptied and my bank has said tough luck! they hold no responsibility!
Any advice appreciated

2007-12-03 07:06:09 · 8 answers · asked by Nanna to 3 gorgeous girls 3

My cousin is made on making money. he has come up with loads of ideas in the past. most didn't go so well.

he recently said he is guna buy Cd's cheap off websites and sell them through ebay, is it legal?

i dont want him to get into trouble.

2007-12-03 06:59:26 · 4 answers · asked by Anonymous

This ain't the LAND OF THE FREE!!! IT IS THE LAND OF DEBT!!!

2007-12-03 06:51:40 · 8 answers · asked by Anonymous

I hired someone to film our wedding and gave them a $2,000 deposit. They never showed and they moved and their phone is disconnected. How do I get my money back?

2007-12-03 05:21:27 · 4 answers · asked by Eric M 1

i am 19 pregnant and looking for a boost. does anyone know where i can find a grant like this and apply for it?

2007-12-03 04:55:49 · 4 answers · asked by Keegan M 1

when i looked after 2day,they didnt readded the money to my account,how many days it takes to refund money to my wellsfarg account

2007-12-03 04:50:51 · 9 answers · asked by M-A 1

ive come off benefits to start work part time but after paying rent, council tax etc is it worth it?

2007-12-03 04:16:15 · 8 answers · asked by abbierose 1

My middle FICO is 633 with no lates or derogatories

2007-12-03 03:25:43 · 15 answers · asked by Anonymous

2007-12-03 02:00:31 · 18 answers · asked by Anonymous

A good friend of mine got tired of working and decided to see how long he could live on credit cards. He was making about $30K a year working as a cook at a restaurant, and applied for dozens of credit cards. He was accepted for most of them and they were more than happy to give him lots of credit.

He also got lots of credit card convenience checks in the mail and before long he had over $100K in his bank account. He uses the money in one account to pay off the minimum payment in other. He has complex Excel spreadsheets to keep track of his various credit cards. His goal is to get access to $200K.

He lives on about $25K a year, so he can live off his credit cards for a very long time. Once he runs out of credit though it will be a big problem. He says that is years in the future and will worry about that then. He is either a genius or an idiot, your choice?

2007-12-03 02:00:26 · 6 answers · asked by Anonymous

2007-12-03 01:32:06 · 2 answers · asked by David 1

should i tape it..is that allowed and will people accept it? or should i just take it to a bank and have them replace it?

2007-12-03 00:47:31 · 11 answers · asked by topi5389 3

It makes me absolutely vomit that the banks rip off their own employees and customers and get praised for it.
Look, UK base rate is 5.75 yet loans are around 10% if you include the costs.
Mortgages are never under 8% and credit cards are over 15% and it is all such a TOTAL RIP OFF !
Maybe it is fair to charge a 0.5% margin on mortgages and 1% on credit cards (because of merchant charges too) and perhaps 2% on unsecured loans as 1% of people might default.
But hey, current margins are CRIMINAL and it is absolutely ridiculous that banks are allowed to do this in a democratic society.
Don't you think UK banks ought to be properly regulated and then everyone would be better off and we would avoid the coming economic depression.

2007-12-03 00:05:08 · 3 answers · asked by Anonymous

If you are given the opportunity to have millions or billions of money , how would you spend it.
But before the money is given , you are to do five very important tasks, which involve helping.........
Who would be the five beneficiaries and what kind of help would they get...?

2007-12-02 23:43:37 · 5 answers · asked by ? 3

and for what sort of accounts?

2007-12-02 21:27:47 · 6 answers · asked by Anonymous

really like this credit card at Big Lots. Plus I was planning on paying a couch there.
They had a sign down that said i could have only $20 dollar monthly payments if I paid on time for this couch but I have to get the credit card.
They couch is really cheap and I can just pay it off in two months but the problem now is that I need the couch now.
I just moved into a apartment and had to pay a really huge deposit because I had no credit history.
Do you think it would be wrong to get a big lots credit card?? What should I do?? Do you think the credit card will help me build up my credit??????

THIS WAS THE DEAL 6 months same as cash, no interest. $199 and up


And all I have in my apartment is a tv and a desk..no phone, no silverwear, no bed.....nothing.

LOL AND I'M ON MY MOM'S COMPUTER BUT SHE'S NOT WILLING TO LET ME HAVE SOME CASH TO BARROW

2007-12-02 19:41:01 · 7 answers · asked by Anonymous

I am 25 and I was wondering how much money a person of my age should save yearly in percentage?

2007-12-02 19:12:46 · 6 answers · asked by Chris 1

Thank you for looking. I am 19 years old and already in around $12,000 in my own debt, not counting around $7,000 that I owe my family. The sad part is I dont even know where half of this money went. What can I do to get out? I am really thinking of filing for banruptcy. Does anyone know if I actually can? I just dont know how to pay off this debt. I barely make $2,000 a month, and have a $700.00 car payment. I cant do debt counseling since I cant make such a big monthly payment. Is it true if you do debt settlement, that they can garnish your wages? Please help me. Thank you

2007-12-02 18:46:03 · 5 answers · asked by Anonymous

2007-12-02 17:30:38 · 19 answers · asked by divadolldimepc 2

Basically I got scammed for $2600. I sold a car and was given a cashiers check. I took that check to the bank where they verified and then deposited most of that check. I waited almost two weeks before using the money to pay off some bills. 3 days after that the bank notified me that the check was a fraud and they wanted their money back asap. I have direct deposit so everything that went into the account was taken until we could go in and make payment arrangements with them. We were told at the bank by several of the management team that it was our fault and that there was nothing they could do. They pretty much pressured us into getting a high interest loan to pay off the amount we owed. Is this right? Was this our fault? No one has been very helpful with this. The bank simply wants their money back. Can anyone help?

2007-12-02 17:08:20 · 7 answers · asked by sillygamma 1

2007-12-02 16:46:15 · 7 answers · asked by Brandon 3

If the account paid 12% interest, compounded annually, use the appropriate formula to find the future value of her account.

2007-12-02 16:23:55 · 2 answers · asked by robinho1 2

2007-12-02 15:54:10 · 5 answers · asked by Motu 1

especially since the average hourly wage is so much higher than it used to be

2007-12-02 15:20:05 · 6 answers · asked by dizzawg16 3