We were offered a one-year 2.99% interest rate on an existing Visa account that we didn't use very much. We wanted to use the card to make a very large purchase with the intent of paying it off within one year. Luckily we checked the "fine print". The original purchase will be at 2.99%. But any  subsequent purchases on that card will be charged...

I have several payday loans that I cannot get paid off. I've be trying for several years and I only have enough money to renew. If I cash out my 401k to pay these loans off I will have plenty of money each month to put back in my 401k plan. Will I still face the extra 20% penalty at tax time? I've learned my lesson and I will never get mixed up with...

My children's real father is an alcoholic. He has some very old medical bills that he has only been paying like $10 a month - just to keep them off his back.   If he dies are the children responsible for the leftover? He doesn't have any assets and doesn't even have insurance to pay for his funeral. He is in very bad health and my daughter has...

Not too long ago they had $30,000 in credit-card debts. This month they paid off the last remaining balance. But, how did they do it? Cara and Michael's story is an inspiration for anyone trying to get out of debt. Recently, Cara shared their experience. We began by discussing how they started. "Stop spending. We just said, OK, no more. We won't...

Can you cut a mortgage in half by simply making one extra payment per year. Does this work with any loans like... car, personal and student loans? ~ Tanya P. Like many of us, Tanya would like to get the mortgage paid off in something less than 30 years. And, she's willing to pay a little more than promised to accomplish that goal. So let's...

My husband has been out of work for 5 months. His income was double what I currently bring in. Needless to say, my checks and the unemployment insurance are not paying the bills. I am starting to panic because bill collectors are calling daily. I am making sure that my house payment, utilities, and car insurance are paid, but everything else is getting...

"It's beginning to look a lot like Christmas..." You can tell because everywhere you go someone is trying to sell you something! Stores began decorating weeks ago and the TV commercials are starting to have that Christmas flavor, too. So what's a person to do? Well, you could go 'bah humbug' and hide until January or you could try taking the...