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Q. Debt consolidation? i recently purchased a home (3 months ago) and financed 100% of the home. at this point i do not have an equity in the home. i am currently looking for a way to consolidate some of my debt to lower my rate, lower my payment, and ultimately pay off the debt sooner. i have 1 car loan, 1 personal loan, and 5 credit/store cards that i would like to consolidate totaling about $16,600. my fico score is currently 686, and i am on time every month with all of my bills. i have paid all bills on time (most of the time more than the minimum) for more than 3 years straight. my problem is that my debt to income ratio is probably too high for most lenders to consider me for a consolidation loan. what can i do to consolidate all of my debt? any feedback would be appreciated.
Debt consolidation loans are usually a rip-off, extending loans way out and you end up paying a lot more in interest, plus the loan origination fees increase the amount owed.
Instead:
Transfer credit card debt to lower interest rate cards, some will give you 0% for a transfer. Do this before deciding which one has the highest interest rate to pay off first.
Pay at least double the minimum monthly payment on the credit cards and car loan. This extra will go entirely towards the principal, and reduce the debt a lot faster.
Pay off the highest interest rate credit card (or loan) first.
It is also a good idea to pay extra principal on your house, to reduce the interest and increase the equity.
Sell the car and get a used one that costs less if you have to.
Destroy your credit cards and don't use them again, instead get a credit/debit card that pays interest and cash back for any charges. So you make money when using it instead of pay money.
Q. Which is better for my credit to pay a debt quickly or to show faithful ontime payments over time? i am working to improve my credit a little. i had a couple of charge offs that fell off of my credit score recently, and i am trying to reestablish that i am a more responsible person than i was back then. i have paid off a car on a 5 year loan which helped considerably. i have gotten a credit card that i use in leu of cash purchases and just pay it off completely every two weeks. i checked my credit score and we are looking in the really high 600s very low 700s at this point.
i financed a computer through dell in january. i could have paid cash for it, but as i said, i am trying to establish a credit history. i only have to pay 15 dollars a month... but i am paying 200 ( 100 every paycheck). i have already brought the balance down to 450ish. i have enough in savings to pay the rest off now, but should i? which would be better? to extend how long i pay and reduce my payments or to just get it over with? it has been implied by my boss that i may be in the next round of layoffs. i would like to put myself in a good position should this happen and be as debt free as possible, but i also want to still work on my credit too. i would like to be able to get a loan for a house one day and want to be able to show a decent credit history. if i do get laid off, i could still manage to make the payments on the computer. i mean... 15 dollars is not that much per month... so having the means is not the problem. i just am torn between my desire to be debt free and my desire to improve my credit.
we did the first round of lay offs in oct (3 people). the second round last week (12 people). i figure even if i am in the crosshairs for the next layoffs, it probably wont be until april-may.... at which time the computer will be paid off anyway at the rate i am currently paying it off now. now or later?
My experience has been this.
Paying off a credit card in full every billing statement is a plus, and you pay no interest, unless interest is charged from day of purchase.
At times when you need to extend payments, with interest, one can pay only minimum and your credit remains excellent, "Paid as agreed".
If one pays the minimum, it's likely that the credit limit will not be increased.
If one pays any amount over the minimum due, lenders look at that and realize that you could have an increased limit, and make your present payment as a minimum.
This would increase the term and produce more interest for the lender.
This pattern can be repeated, and each time your payments exceed the minimum. your limit may be increased.
The premise is that whatever payments you make, minimum or more, that determines the credit limit. They look at your payments and figure that you can stand more credit and the payments made can be made as a minimum.
Interest is the name of the game.
So all these scenarios are a plus to your score.
They are completely satisfied with min payments>equals more interest.
Paying off your card in full will have no effect on your credit score.
If you are facing layoff, you make the decision.
If your interest is high, you'll save money by paying off.
Savings interest is terrible at present.
If your interest is low, then consider your card interest less your savings interest, and the card interest may be very cheap.
The reverse may make the card interest very expensive.
Consider my case.
My card interest is 4.5 %. Savings about 1.5-2.0 %.
If I wanted to carry a balance, my real negative interest on my card is
about 2%. That's cheap money, although I have no balance at present.
I have a gut feeling, and after speaking to my bank, interest rates are likely to increase. Possibly 9-12 months.
My bank suggested that my CD's be no longer than 9 months at present low interest.
Hope this helps in your decision.
Q. Help me make a car purchasing decision (long question)? in this economic climate i'm not eager to take on a new debt (my only current debt is a student loan), but my 01 civic is reaching a point that i've realized i probably should bite the bullet. my car (black 2001, mid trim model with 64k) has been having transmission issues for the past few years and it's now apparent my torque converter is going. after researching the likely problem, i'm finding that a lot of 01 or 02 civics have transmission problems and that replacing the torque converter, or even replacing the whole transmission doesn't always solve the problem. plus, she's looking a little beat up and i would love to have key-less entry and some other basic options. but i don't know what to get.
i want something that's a good value, reliable, safe, and has a sunroof. i know that last one isn't a feature that makes financial sense, but i work freakin hard for my money, live in the sunshine state, and spend enough time in my car that i really think i deserve this. i've looked at a lot but have focused on the honda crv, toyota rav4, and mitsubishi outlander. i want a small suv so that i can sit up higher in traffic (and would only purchase another sedan if it was ridicuously cheap...with they're not). i like the look of a highlander or the older model honda pilots and i'm not averse to buying used, but i really don't know what i can do.
as for price, i really need to keep it under $300/month. i've got excellent credit and can qualify for a credit union loan as low as 3.1%. however, this is for a new loan at a teaser rate, so depending on my timing and what i buy, it could be as high as 4.5%. i can afford more than $300, but i don't want to be one of those people who spends so much and i realistically want to keep my monthly payment at $275. every dollar above that makes me feel like i'm spending too much. i've calculated the blue book on my 01 civic and i know i could make more in a private sale, but i've never done that and i'm worried about getting scammed. also, i'm an extrodinarily busy teacher and don't think i have the time. in a perfect world for a trade in i could get $6500 for my baby, but with her cosmetic scratches and dings, some engine work needed, plus the fact that she's been in two accidents (no major damage, but accidents just the same) i am telling myself i will only get $5000.
all of the car matching profiles (carzen, etc) say that my ideal car is the crv or the rav 4. however with the price i want to pay, i can't afford new versions of those with the moonroof option. and i would have bought used by now but i'm seeing new listed at $25k with used and 35,000 miles being listed at $24,700. i know there is room for negotiation, but i'm also scared of getting something used with the risk for issues later in its life. i mean, i bought a honda new thinking it would never have issues on me, but the dang thing started shuddering at 45k. if i was to buy used, i wouldn't even consider it unless it was certified and had some type of warrenty remaining.
so my questions are this:
should i try to negotiate a new honda or toyota at my max price range without the sunroof?
should i try to buy a cheaper vehicle (suzuki, mazda, etc) new b/c they have a cheaper price and a longer warrenty?
should i buy a used? obviously i know this would save me more, but the worry factor for me is huge. i'm willing to pay a little more for peace of mind, but i don't want to be stupid. if i buy used, what realistically would $275 a month + $5000 down get me?
I would get off the Honda/Toyota high horse. You see what happened to your current indestructable, holier-than-thou ricewagon.
The Chevy Equinox is as good as any and may fit your requirements at a lower price. Other than that I'd look hard at negotiating. Dealers are hurting I'm sure you know and you should be able to get 2-3k off sticker easy. Look at the papers religiously as well. Most of the time a good sale will beat any negotiating you can do. It's all in timing.
Q. Newlyweds moving in with parents? i’ve been married for six months now; my wife and i met nearly ten years ago and have always had feelings for each other. we’ve been living together for almost two years now. we’re in our early twenties now.
we have the typical wedding debt which is maybe $5 – 6k. i didn’t find out until we were engaged, but my wife has $40,000 worth of student loan debt. we had to start paying it off this month, and things have been tight. i’m looking on the bright side of things – it will take over 10 years to pay off, but she’s locked in at a low interest rate. with rent and everything else, we are on a very tight budget. next year our rental establishment is increasing the prices and we are looking to get out.
that’s when a long time joke became a reality – moving in with our parents.
her parents agreed immediately, though, there are already two siblings living there, tiny house, 1 bathroom; i’m not interested at all. my parents on the other hand have a fairly large house, only one sibling is still living there, 4 bedrooms, 3 bathrooms, they go away often and have a lot of room. i still need to talk to them about it; they have always been extremely supportive and love us very much. i’m sure they would have no problem letting us move home.
we aren’t moving in without a plan. we’ve set up a very good savings plan. living low rent or rent free for one year, allowing us to bank 75% of our current rent would allow us to save $10,000 each year. the plan is a max of two years, allowing us to save $20,000. this would allow us to move into a house and have no problem covering a down payment/closing costs.
additionally, there are an increasing number of sellers that have been financially unable to sell their homes. giving your apartment complex your notice, getting all ready to move and all of a sudden the people living in the home aren’t ready to move out. if you sign the paperwork and they are still living there, legally they are your tenants and you have to go through a painful legal process to remove them from the property. this has happened to a few friends of ours already. living at home would give us the advantage and not being caught off guard by this random faux pas when it comes to buying a home.
thoughts? my parents love my wife; they get along very well together. they’ve always been very conscientious about personal space and they go on trips a lot. i figure, it’s only a year. maybe two. with the economy in the shitter, this is probably a solid step for a couple that has significant debt just starting out.
thanks for the responses everyone, i appreciate the insight.
i do worry about the loss of privacy --- we have a ways to go still. including sitting down with my parents together and discussing every last detail. i want to be able to move into a house, renting is a waste of money; our main problem is we can’t put away enough money to save a significant amount. my wife gets depressed about the money issues and i hoped moving in would alleviate some of that distress since we are working towards a solid plan to save. after a year or maybe more we could actively start to look for homes and move in.
at the same time, like most newly wed couples, we do have our fair share of arguments. she does like my parents and grew up with two siblings like i did, so we’re all used to a big household. though, i know this is very different.
a lot to think about – thanks everyone.
i'm worried about not having enough to cover closing costs/downpayment. my credit is good, transunion reports ~790. i'm not sure what hers is.
Don't get married with Debt. DEBT IS A SIN!! It's in the Bible look it up. You need to go through a Financial Peace Class.
Whatever you can give me the thumbs down but we worked hard to pay off my debt before we got married and we pay cash for cars and our house is on a 7 year mortgage with 3 years left and we are 27. That's real planning. No secrets. Debt ruins people's life and it is not a way to live. If you pay cash for everything and budget everything in and have a name for every dollar you spend and SAVE for christmas and vacation then what do I need credit score for.
Q. Will banks open thier eyes? i am a person who defaulted on finances during the meltdown of 2008 and recovered, i make pretty good money now about 43k. i will never be suckered into a userus rate anymore but i will be tempted to take a low rate loan and pay it off quickly as possible. the big problem is that i've paid all my debts but i still have a terrible score " these credit agencies really know how to help the banks huh?" . i palnned to purchase a new car this past weekend but got hit with 18 and above rates " $34600 car with 4700 down". with so many people getting hit with bad credit during that 2007-2008 timeframe will banks give in and start lending with fair rates?. and why is it that 3 months of poor history messed up 6 years of good credit? how are they getting away with this?
why not take that 4700 you have for the down payment and go buy a car out right then you do not have to worry about payments or your interest rate.
Q. I received this info from a answer yeterday has anyone got this or use this compnay are they legit? hello there, i am mr chris peter.a legit loan lender.are you into debts? do you have a bad credit?are you financialy down.i give out loans at low interest rate of 3%.i give out loan to business,auto and personal loan to men and women who are into business transaction, i give out long term loan for three to five years maximum with your interest in this you can as well tell me the amount you need so that i send to you the terms and condition that is if you are realing interested in getting a loan from me, loan is given out in pounds and $us and sgd the maximum i give is 5,000,000 both in pounds and $us and the minimum 1,000 pounds and us$ and sgd so if really you are interested mail for more info on how the loan can be transfered to you. there is one question i have to ask are a serious individual that we take a loan and pay back after duration with the interest, if you are honest i will trust you because i like to do business with honest people if you are one you will get the loan with out problem and for your information if you should more loan like $10,000,000m i can give only if you are one of these cartigories: manager of a company a private holder a broker in banks a director in any office or company a high investor of and compay if you are one of the following you can get $10,000,000us as loan or if personal loan you can request for 5,000-5,000,000 as loan. hope to here from you soon. name:............................ phone:........................... country:.........................
loan amount needed.....................sen... these info it is important. mind you loans is given to every part of the world only if i see you to be honest and will pay back after duration. if you are interested you have to send the amount you need as loan so that i can give you the terms and condition on the loan for your information loan are given to every part of the world on honest people so if you are honest apply for the loan now at cpc_consultant@yahoo.com
This is a scam. Number one, there are a TON of errors in grammar which real companies do not have. And a REAL company will NEVER have a Yahoo email address.
They are after personal information. Forward to Yahoo so they are aware and delete. Do NOT answer the email.
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