Also in this playlist...
This transcript is automatically generated
-- Ohio up next is going to be Nicole hi Nicole how are you night.
I gained a hip leg -- -- here for you to that how can I help.
-- this evening -- he has since there's a sense of direction here.
I am leery I have two children.
I'm a school teacher -- had been patient for fifteen years now you learned in my hand then.
Has not been in prison now for the last five and a half year low low and yeah yeah.
-- And so I had to pick on a lot of this bit as well as you know my -- -- earned.
-- healthy they're like really really tight here.
What did you take on his -- not your name as it.
No it well if not if not in my -- I was in a long room that.
You know he got out that he would have a you know.
You know if they will be paid off that -- would be able to get some good things that you think -- -- -- You know albeit -- -- do we need to be for the family.
-- you know it was money that was left and I paid you know paid.
The majority look if they don't come in in the meantime could support him mr.
-- for that system -- take care of my children.
You know -- become -- shuffling money around.
My home you know legal money trying to shuffle money around is.
And like right now I'm about a 154000.
Dollars and 84 of that you can do you own.
I might do have a massive degree so electric that have been in that he concealed.
-- -- that isn't student loans.
It's about 21000.
I have credit -- there about wasteful work.
And I have -- -- vehicle.
Which will be up in about two years.
And that -- 31000 -- Cool -- though the thing about it is that I have very good credit.
I have my.
Yet and that's what I'm trying hard things so yeah make the payment and maybe a few dollars extra -- you -- your.
Mom what's good anyway.
Well car's got to go.
And you -- you got hundred dollars and that you can be -- around 30000 -- car.
When you tell me bro crying.
If you hadn't bought it -- your body -- no.
Can afford -- canyon.
600 dollar -- payment support the fourth grade -- and Palin you call me up broke with a 500 elements caught him.
Okay you're okay you're way I'm sorry I mean on the which is sweet ride but it's got to go into.
Units sold and get -- -- over 5000 dollar car that's reliable you can pay full war.
And then that frees up 500 bucks a month to begin to -- your way through this many kids via.
Cut his children towels.
Mile -- -- me tender -- Yeah and the and the thing about -- I've taken or -- home I'll let you know.
Now before -- up until maybe about four month ago.
And I had to pay my mortgage which was 1134 months beyond you know -- -- -- came out with its programming Cleveland that they could you know help people who are struggling with their mortgages.
I decided that I would try this and I did and they tell me I didn't qualify that let alone they didn't call you do so.
-- mortgages in his name.
What I deal was -- -- -- -- -- what I needed to do.
They -- probably pay on time we need you to be don't pay it -- Hamburg.
An effort gala February march where we -- -- payment is 600 dollars.
-- that's what I did so of course that.
At least the money for -- -- You know they -- put full -- -- the more than that so at this point the big concern is that should I continue with the modification.
Because right now they -- filming that you know they know that he's not working -- six months from now Pete Steele won't be working.
So they gave me like another six months the modification.
I would tell you I would modification you can get OK get your car sold now we've increased a thousand bucks a month to throw at this mass.
Fleischer got to get on a tighter budgets and you've been on me 4000 with two kids at home you can crank this thing down the -- macaroni and cheese and you know pull stake out of the budget and I think we can make some more progress here you to cut up all the credit cards that they're not cut up and lists from smallest to largest.
And begin to pay them off in that order.
Okay and then you're gonna get them the student loans I've called student -- see if you can throw in -- no hardship deferral for right now.
And I -- and they tell me that that will be like 5505.
Hardship -- -- would be well well well -- well I'm sorry the department has not been used debt because I've been out of school now for over.
Yeah I'm still don't call no I -- I really can't -- -- my husband's imprisoned.
It is I don't really care about -- policy let's try to worker program here.
If all I'm doing I'm not saying we're not gonna pay just a moment on -- thing you can do to free up cash flow to get this ball rolling in the gonna knock off some of these debt no car payment.
Beans and rice rice and beans and you begin to knock off some of these credit cards was vetoed any credit card debt and no car payment should be down of the student loan you -- terror and that student -- pretty hard way.
And so that's kind of where I'm heading towards OK -- South and let me do this I'll help you get moving on -- you go through financial.
You go -- as my -- I'll help you get going okay and AM.
And that show you that'll show you what to do step by step all the little things.
Plus it'll put some people around you the kind of coach you as you go along and encourage you because you're making good money.
You got a mess on your hands and a lot of drama in your life -- -- making good money.
And if you get rid of this car I think you can make some progress.
Good call thanks for joining us hang on morrow picked up.
Filter by section