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Credit
Card Minimum Payments
 Gary,
A couple of months ago I read an article about getting finances
under control. According to the article, you can double the minimum
monthly payment on a revolving charge and that account will be paid
in full in 36 months regardless of the amount. How could that be
possible? Especially considering how "minimum" most
minimum monthly payments are. Gail E.
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Should
I declare bankruptcy?
 Gary,
My husband and I got married quite young, made some unwise financial
decisions and ended up in debt (some credit card, some personal
loans) with a grand total of $24,000. After many years of trying we
feel that we have no other choice but to file for bankruptcy. We
honestly would like to do anything else but we feel that this is our
only alternative. --Exhausted in Sudbury
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Managing
Your Mortgage
 Gary,
When I send in my mortgage payment and I send in more than the
minimum amount, the return payment stub asks whether I would like
the additional payment to go towards escrow or principal. Which
direction would be the best? Jim
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Spendaholic
 Gary,
I am 22 years old and I live in NYC. I am in some serious debt,
which I have turned over to a debt consolidation company. I make a
decent amount of money, however, I can't seem to keep it for more
than a few hours. I end up spending my entire paycheck within the
first day I have it....seriously. I am trying to find a support
group in NYC, but am having no luck. I know I have a problem and I
can't continue to live like this. --Donna
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Lost
Opportunities
 Sometimes
it's helpful to take a concept out of it's original environment and
see how it fits someplace else. Today we're going to examine an
economic theory and see how it might apply to our personal lives.
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New
or used car?
 Gary,
My partner and I are planning on purchasing a car. He would like a
station wagon and wants to buy it second-hand. I prefer a brand new
car. This is a fairly big purchase for us and I very much would like
to know what you think.--Nancy
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Affording
a First Home
 Gary,
Can you help me? My husband and I would like to buy our own home to
live in. How do we know if we can afford one or not? Thanks, Donna
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Single
Stay-At-Home Mom
Do you think it is realistically
possible  for
a single Mom of a 15, 12, and 6-year old to stay home with her
children? I do not have a profitable skill, a degree or money in the
bank. All I know is that a tired, stressed-out mother is not what I
want for my kids. They deserve more of me.
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Unemployed
Bill Crisis
My husband has been out of work
for 5 months and the income he did bring in when he was working was
double what I currently bring in. Needless to say, my checks and the
unemployment is not paying the bills. I am starting to panic because
bill collectors are calling daily.  I
am making sure that my house payment is paid, utilities, car
insurance, but everything else is getting severely behind. What do I
do? Do we have any way of getting out of this mess? Any rights?
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How
Much?
I understand that 25% of my monthly
income should be for mortgage, taxes and insurance. How much should
I plan for the remainder of my budget?
There are two of us in our household. Is there a set formula? Also,
if I plan to retire in the next 5 years, should I be carrying a
mortgage for the sake of a tax write off?
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