i have alot of personal problems right now-need alot of advice and help about a money problem-need a good frie
471516
Money problem means debt, no doubt. The answer is to pay it off. Easy answer but hard, if not impossible, to do. There are several things you need to do to begin to take care of this problem.  First, you need a steady job. You need steady income. Next you need to save 10% of whatever you net and put it aside. No matter how little that is, do it. Be faithful to pay yourself this 10% and let it grow. That is your emergency money. Next you tackle those credit cards. Your emergency money is for when you have an emergency so you don't have to keep using your credit cards. You want to get out of credit card debt. Retire the easy to retire cards first. Then pay more than the minimum payment. The more you pay the better, but never forsake paying yourself the 10%. Next telephone. Get rid of your cell phones and cable tv or internet. If the temptation to talk long distance is doing you in, get rid of phone service. This is radical to get out of debt. Later you can have all these things when you can afford them, assuming you will want them after getting used to not having them. Make a budget and stick to it. Gas, food costs you x amount each month. Track your spending. Pretty soon you will know what you need to pay bills, buy food, buy gas, pay yourself 10% and how much debt to retire monthly. As you do these things, and you see progress, you will get excited. The biggest hurdle you will have to get over is your lack of desire. Do you really want to get out of debt or do you really want someone to bail you out? The truth is either  you get out of debt or you will stay there. It is your choice. I had a similar choice years ago. I did exactly what I am telling you to do. I had $8,000 in credit card debt, about to have my truck repossessed and I was ready to lose my house. Now I turned that around doing exactly what I  am telling you to do.  I promised myself that I would never spend like that again. That was a painful lesson but a lesson well learned. So, it is not the end of the world, you have some work to do.
28453
Don't post this kind of message online.  You are asking for trouble.\n\nTalk to your Mom and Dad, Aunts, Uncles and family who can help.  The real problem is your inability to manage your personal finances.  Take a course or seminar on managing your money and STOP over spending.\n\nyour current situation is a tough way to learn that credit isn't free.  But hey we all make mistakes.  \n\nGood luck.
375033
Ask at your hospital to speak to a Financial Aide Department.  Also a Social Worker should be able to help you out and give you some contacts.  Perhaps you can talk to the Church also.  Medicaid may be able to help too or Medicare Part B for medications.  My best of luck to you.
268087
Fren... Talk this with someone whom you know personally. Here you may get answers But the Solutions maybe somewhere closer to you.
428483
Without knowing exactly what financial trouble you are in, hard to answer. Maybe go to your bank and apply for a loan, borrow money from friends and family. OR, contact the people you are in financial trouble with and be honest with them. A lot of companies, organizations, people can be quiet pleasant and easy to work with if you're only honest with them. Whatever you do, don't ignore it...financial trouble never goes away on it's own, it will only get worse. I hope you the best.
901211
Speak to the Citizens' Advice Bureau about FREE debt advice. There are some other charities that will offer you free advice about the best/quickest way to repay what you owe but I am unaware of any organisation that will administer your debt for you or give you a consolidation loan without making some sort of charge. \n\nCAB will encourage you to look at what all your income and outgoings are and devise a strategy with you, not for you, as to how you are to pay it all back. Meanwhile, write a holding letter to your creditors telling them that you are seeking independent advice about the debt. It will only serve to stall them temporarily. \n\nWork out your priority and non priority debts. Priority debts are ones which will affect your home or your liberty and include rent/mortgage, water, gas and electric and any other loan secured against your property. Non-payment of council tax can lead to imprisonment and so is a priority debt. All other debts are non-priority. It is vital that these are paid first.\n\nDraw up an honest list of what comes in to your household and what goes out and include everything, including newspaper money and pocket money for the kids etc. Don't try to hide an amount under the heading 'Housekeeping'. Debt companies know what to expect to see under all the headings based on reasonable amounts according to your home circumstances and trying to hide amounts under ambiguous headings won't work. \n\nYou then need to write again to your creditors and include the income and expenditure form. They should then come to an agreement with you although they are not obliged to. If you go to the CAB with this information, they can help you work out payment plans for each creditor and give you a standard letter to send. It may also carry more weight with the creditors if they know CAB are involved. \n\nCreditors are not obliged to accept your suggested payment plans and will be looking for some commitment from you that you are determined to clear your debt. Can you return the cards to the company, cut up? Can you sell some of your assets? Can you take on another part-time job specifically to pay them off? Could you rent a room out in your house? \n\nThere are other options like IVAs or bankruptcy depending on how much debt you are in but these have as many cons as they do pros and are not the answer for everyone, particularly if you own a house with equity. You could speak to CAB about these options but think carefully before going down these routes. \n\nYou are right to think about alternatives to taking out more debt. There are obvious problems if you cannot keep up repayments on bigger consolidation debts especially if they are secured against your home. I don't know your own circumstances, of course, but maybe going through the debt procedures above will concentrate your mind on how you managed to get into debt in the first place, the pain of being in debt and how hard it was to get out of it which will prevent you from ever going down that road again. I know that I learned that same lesson the hard way and am steering well clear of ever going there ever again. Consolidation seems like easier options but will anyone ever learn to change their behaviour or is it just a quick fix to allow the same thing to carry on all over again? \n\nAnyway, good luck. It seems like a pit you can never climb out of but it will get easier. Promise!
164342
Man, that blows - the same thing happened to me... you'll be in debt up your arse.  I really wish I could help as I was in the exact same situation and you are right you feel like your are being steamrolled by a system designed by a bunch of narrow-minded nitwits.  Like these people never hear of a DISFUNCTIONAL FAMILY and like maybe we need even more help than someone else but they treat you like somehow you have claim over your parents' money.  So they act like your resources are ones that you can't use and use that to deny you help.  I feel for you, man.\nThe only thing I can suggest is going over and getting to know those financial aid counselors - go over there and make appointments and bug them and let them know your situation and that you are going to go and you really need them to get creative and help you out.
11912
I think that everyone at least once in their life falls on some bad luck. \n\nIf you really are in a jam and are feeling overwhelmed then I would suggest going to your local Social Services department to ask for help. If you qualify, they can point you to a number of programs that can help you manage the money you do have better and give you assistance. They even offer job training through other county and state agencies.\n\nYou can also consider contacting your local church or religious organization for help. They often can be of great assistance. I have even heard of them helping people make a mortgage or car payment if they are in dire need.
125925
so u need help well i have afriend who could help ya!!!\nso answer back
49317
Tell your friend you think you are broke and may have to file bankruptcy.\n\nA true friend will suggest ways for you to improve your situation.\n\nA fair weather friend, or leech, will disappear and never return your calls or emails again.
334843
You should stop and think, that's what you should do for openers.\n\nNow, what is it that is so bad about your life?  It can't be literally everything, so what's the worst thing?  OK, now you have a focus for change.  What sort of help do you need to change that one thing?  Who would be the sort of person who can help you, or where would you find the information you need?\n\nMany problems get summed up in a few: money, for example.  If I only had more money, dozens of my current problems would be alleviated. OK, so I go on a rational quest for ways to improve my financial situation.\n\nLoneliness, for another example: many of my current problems would improve if I had someone to talk them over with, someone who cared.  OK, then take the time to figure what sort of person that would be, where you might meet such a person, or who you might get in touch with that you used to know, but lost track of somehow?\n\nYou see, bringing your mind to bear on the problem is the most important thing you can do.  If there are professionals you need to consult, there's a yellow pages on the back of your phone book.  If there are books you need to read, or web sites you need to study, etc.  Put your MIND to it, and stop making it all emotionally overwhelming.  Remember that you can control your responses to events with your mind.  You can decide to be calm, rational and in control of your behavior.\n\nGood luck and God bless!
160018
what do you want to talk about with money4dabunny@yahoo.com\nalso ive been hearing of u latly how old r u?? e-mail me your answer at sosweetsweetheart@gmail.com
865745
Sorry to here about your plight, the only thing i can think about is to bite the bullet and sell your car and get a much cheaper one.\nI know it's not much help hope things work out for you.
1110816
Oh My Lord in heaven!!!\nLets see,1. I was threatned with prosecution on a payday advance loan that bounced and I have no way to pay.\n2.I just found out that my husband of 5 years has hit on my sister\n3.I had to deal with my sister\n4.I have 48 dollars to get me through the next 2 weeks\n5.I have to look into bankruptcy\n6.The loss of my job last week has directly resulted in my current money situation.\nIts nice to vent... Thank you.How was your day?
659981
Keep talking about it. Don't linger on the bad moods. If you focus on bad things only then all the good things are crap. When you argue don't use the word YOU. Bring up that the situation is wrong and not the person you are talking to. You spent all the money= NO. The situation of being penniless upsets me. Let's figure out ways to save some money=YES.
168701
What kind of help are you looking for? Do you have family, money, health problems?  The best I can do is pray for you and hope that whatever is happening in your life gets better. LOL
344800
This seems too much of an issue for one person alone. Help is needed here, just to get his life back on track. Don't ever feel this is your fault