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Thursday, March 4, 2021   
 
Articles written by Gary Foreman
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Managing Your Mortgage Managing Your Mortgage
by Gary Foreman
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
 
Spendaholic Spendaholic
by Gary Foreman
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
 
Lost Opportunities Lost Opportunities
by Gary Foreman
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.
 
New or used car? New or used car?
by Gary Foreman
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
 
Affording a First Home Affording a First Home
by Gary Foreman
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
 
Single Stay-At-Home Mom Single Stay-At-Home Mom
by Gary Foreman
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.
 
Unemployed Bill Crisis Unemployed Bill Crisis
by Gary Foreman
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?
 
How Much? How Much?
by Gary Foreman
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?
 
A Painful Grocery Bill A Painful Grocery Bill
by Gary Foreman
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.
 
Refinancing And Your Credit Score Refinancing And Your Credit Score
by Gary Foreman
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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