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A
Painful Grocery Bill
My husband and I live alone. My mom
comes over for dinner and breakfast 3 days a week, and I send her
lunches for work 2 nights a week. We are spending over $400 a week
for groceries. I am not buying extravagant things, and I really
don't buy a lot of "junk" food. Where on earth are we
going wrong? I see in the Tips section this week, a girl from Oklahoma
says that she spent around $130 a month on groceries for herself and
her husband?!?! How?! What is she eating? If someone could explain
this for me. I feel like we are beyond help.
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Refinancing
And Your Credit Score
I purchased a 1999 Buick Regal right
before Thanksgiving. The loan was for a 14.5% interest rate. I was
told that I should wait at least one year before refinancing. If I
did otherwise it would look bad in my credit for not staying with
this company for at least a year. I am interested in shopping around
to see if I can get a lower interest rate, but am uncertain due to
the information that was given. Should I shop around or wait until a
year has been completed?
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Scrooge's
Christmas List
"Cratchit, take your
Christmas grab bag and be gone. Out, I tell you, or you'll be
seeking new employment!" That scene wasn't included in Charles
Dickens' "A Christmas Carol" but I can easily picture
crotchety old Scrooge taking Bob Cratchit to task for attempting to
include him in an office holiday gift exchange. Scrooge certainly is
the symbol of...
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Wanting a Newer Car
My husband and I are in quite a bit of credit card debt and my
husband wants a newer car. He says that his car won't last two more years.
We are trying to save a little bit but we don't have any
money to
put down on a car. We have money to pay our bills which is not the
problem. We just don't have a whole lot of money left over after
paying our bills. What would you suggest we do about this situation? |
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Temporary
Downsizing?
We're wondering if
we should sell our house. Our mortgage payment is
$1,030 a month--no problem when we were both working
full time. Now that his income has been drastically
reduced, the mortgage feels very steep. What about
selling the house, using the equity to pay off our
$20,000 second mortgage, and moving into a place that
costs less per month? |
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Signs
of Wealth
Everyone from
songwriters to psychics to traffic engineers will tell
you that it's important to 'read the signs'. And
they're right. Take driving for instance. Traveling
without signs would be difficult and dangerous.
Our financial
affairs are another
type of trip that requires watching signs. To help us
avoid trouble and make progress towards our goals. So
let's take a look at some common financial road signs. |
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Credit Report Errors
I am correcting an item in my credit report. I requested the report
from Equifax. Should I also request (and correct) reports from
Experian and Trans Union? I can see a situation where I've corrected
it with Equifax, but a lender uses a different agency. Do these
companies share information?
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