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PA is actually drowning in delinquent credit card debt

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creditcruncher



Joined: 28 Dec 2008
creditcruncher's page
Posts: 1



44 Magic Points

 
Posted on Sun Dec 28, 2008 4:56 am  

Nice money management. I was thinking of that same style you have for months or was it years already? Haha. But it is a nice one, right? Like if you earn 100$, 30% of that should be in savings, 10% for recreation, 30% for food and the rest 30% will go to other necessities. With that, it is a sure way to go! You still get to have that 10% for your own recreation and pleasure. Very Happy

But application is real hard. Sad
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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1915 Magic Points

Subject: credit
 
Posted on Sun Dec 28, 2008 3:37 pm  

PA Law does NOT allow Wage Garnishments....however, a CA CAN take the debt out of your bank account, if they have the information ( account number, etc.). I try to come up with a Budget. However, at times, things do come up. and it's difficult to 'keep up'.
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



123 Magic Points

 
Posted on Sun Dec 28, 2008 10:12 pm  

They really have a battle if they go top take it out of your bank account. If they take it out illegally and you did not give them permission you can just fill out papers at the bank and they give your m oney back. After that the bank will go after them for their money so I can not see why some of thesse places waste their time but I am sure if someone did not know they could do this then they probaly get some to fall victim.
carol

carol

Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California


30054 Magic Points

 
Posted on Mon Dec 29, 2008 9:09 am  

Hi Creditcruncher
Even if you cannot afford to keep 30% of your income towards savings, you should afford to keep at least 15% so that you do not fall in the trap of payday loans. Luxuries should always be curtailed as far as possible and you should spend more on necessities. In other words you should spend more on productive expenditure at least during this time of financial crisis.
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goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



436 Magic Points

 
Posted on Tue Dec 30, 2008 5:13 am  

great advice carol, a little is more than nothing. I send all the money that I make on my survey sites and forums to a seperate savings account, split between two, mine and our childs.

If you pay yourself first it becomes habit.
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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1915 Magic Points

Subject: credit
 
Posted on Tue Dec 30, 2008 11:51 am  

Hey, GN,......i tried the 'survey thing'. Just isn't working for me. Do you do other forums, as well? Sometimes it IS hard just to save $5.00, now a days.
Lorri



Joined: 15 Jul 2008
Lorri's page
Posts: 246



251 Magic Points

 
Posted on Sun Jan 04, 2009 8:36 pm  

Have you tried going to the debtcc forum that is connected with creditmagic? Look at the top of this page---they pay too, but not asmuch as this one.
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"Never give up on someone you can't go a day without thinking about".
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1915 Magic Points

Subject: credit
 
Posted on Mon Jan 05, 2009 2:41 am  

YEP...I do all three: DebtCC, Credit Forum and Insurance Forum. The money sure does help with gas, etc. ALL of the forums have a 'cash out' of $10.00. But, I agree with you...with DebtCC, it does a bit longer to get that $10.00. However.....ALL of them are great and I've had no problems 'cashing out' on any of them.
Lorri



Joined: 15 Jul 2008
Lorri's page
Posts: 246



251 Magic Points

 
Posted on Mon Jan 05, 2009 3:07 am  

whats the insurance forum?---do you have to know about insurance matterss?
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"Never give up on someone you can't go a day without thinking about".
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1915 Magic Points

Subject: credit
 
Posted on Mon Jan 05, 2009 3:29 am  

Ya mean do you have to be an 'Insurance Expert/Agent? NOPE.....it's about the same 'approach' as the other forums. People give their advice/opionion on the different threads. By the way,.....I REALLY like the quote that you have, "Never give up on someone you can't go a day without thinking about." You;ll have ALOT of fun on the other forums, too.
Lorri



Joined: 15 Jul 2008
Lorri's page
Posts: 246



251 Magic Points

 
Posted on Mon Jan 05, 2009 3:36 am  

Thanks for the info--I did check out the insurance forum---I will probably join that as well. I know about as much about insurance as I do about debt or credit (which is nothing!).

And the quote? Well, it has a very special significance for me which is why I've got it on there.
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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1915 Magic Points

Subject: credit
 
Posted on Mon Jan 05, 2009 3:56 am  

Comment on your quote: ..kind of going through an 'issue' with someone. The quote makes me think of this 'issue'. Anyway......on the Insurance Forum, you get about the same amount of 'points', per post, as you do on the Credit Forum.
Home Loans



Joined: 16 Jan 2009
HomeLoans's page
Posts: 1



26 Magic Points

Subject: Keep Track
 
Posted on Fri Jan 16, 2009 1:57 pm  

And and also keep track of your expenses so that you'll know where your money goes and allocate it properly the next time you are expecting some money, your salary or money from your parents or relatives.
aby



Joined: 29 Jan 2009
aby's page
Posts: 32



114 Magic Points

 
Posted on Thu Jan 29, 2009 2:26 pm  

hey lorri i like your appproach to save some money so that it can be used in emergency.
aby



Joined: 29 Jan 2009
aby's page
Posts: 32



114 Magic Points

 
Posted on Sat Jan 31, 2009 12:50 pm  

Count income from wages, tips, interest on savings, child support payments, and any other source of income. Include that of your spouse also. Also consider more variable sources of income. Do you receive regular overtime or a large bonus? Is it guaranteed? Can you calculate average amounts by using past bank statements or pay slips? Try to be accurate and get to an average 'net' (after taxes) income.

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