hmm, maybe not
I went to my Financial Peace class again today. Today's topic was about dealing with debt collectors, what they can do, can't do and how to work with them. Basically, food, shelter and transportation must come first. After that, pay each creditor out of what disposable income that you have left on a pro-rated basis. That means you calculate total debt, figure out how much percentage each is of the total debt, then divide up the amount between them. Check out Dave Ramsey's website for more details. If you are having issues with debts and finances, I strongly urge you to give his program a shot. Many churches are offering the program, but my brother watched the series on YouTube and within 3 months, he was out of debt except for his mortgage. I was fired up, so went to talk to hubby about doing the program or to make sure his credit counselor is following a similar deal. At 11 am, the house was dark, both kids were sleeping and he was on the computer with one of his...