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Freaking out over money! Send some good juju??
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<blockquote data-quote="Marguerite" data-source="post: 112769" data-attributes="member: 1991"><p>Serious suggestion - call ANYONE you have a loan with and explain the situation. Ask if they can re-calculate your loan so you can make easier payments for a while. It is amazing how much they will bend, because they would rather get SOME money from you, rather than nothing because you've gone into receivership.</p><p></p><p>Also, look at your credit cards - see if you can change to one with a lower interest rate. Or see if you can re-schedule your loan on the time share with someone else for a lower rate.</p><p></p><p>We have time share. I don't like the hard sell they use to flog the things, I think it's borderline dishonest, but we're happy with our time share and the travel we've been doing. You CAN buy time shares as re-sale, at a fraction of what we're asked for up front. And if THEY say you can't get out of it - get another opinion.</p><p>I'm surprised husband is blaming you for buying the time share - in Australia, they won't let you sign up if you're married, they insist on it being a joint decision. And if husband tried to blame me for what is basically a joint decision, he'd be finding his extracurricular activities (ie personal hobbies) very much curtailed. He might even find I "couldn't afford" to get food for him.</p><p></p><p>Talk to your bank. Maybe they can waive the fees, considering the hardship issue (EX no longer paying child support). Also, a bank charging fees - you can sometimes appeal and get the fees waived. You need to put it in writing, but one way to have a go is to point out that the fees charged are more than offset by the money they make having the use of your money at other times. Also, they often charge far more than the actual costs to them of you being overdrawn. In Australia our banks in general have had to drop some fees totally, after many people complained and the banks were challenged publicly.</p><p>Talk to the pharmacist (in case the prescriptions didn't really cost that much and there was an error).</p><p></p><p>An episode of Oprah on Aussie TV yesterday, was on how to reduce your debt. Some very useful info. You might be able to find some info online, from that episode. I'm fairly sure there were some books being promoted which you might be able to borrow.</p><p></p><p>We're just clawing our way back from a very bad couple of months. With all the medical bills for easy child 2/difficult child 2 and me, our credit cards maxed out. One trip to the paediatrician costs us about $500. When we get another thousand in the same week, more medical bills - we're short for a while. We'll get some of it back (insurance pays for about a third of it) but in the meantime, things get tough. And we've already done what we could to cut our costs back, so we have NO LEEWAY at all...</p><p></p><p>Do you have anything you could trade? Skills such as cooking? Ironing? Sewing? You might be able to barter with some neighbours or friends, to cover your needs in the meantime. This afternoon we traded some chicken manure for cucumbers. I use the cucumbers to make tzaziki, then I bake a loaf of bread (saves another few dollars and the kids are happy to feast on bread and tzaziki. They think they're in gourmet heaven, not poverty row. Add in some home-made pasta (eggs and flour) and the little (?) tummies are full for very little dosh indeed.</p><p></p><p>Can you live out of your cupboard for a few days? What do you have in storage? </p><p></p><p>There are ways... I hope you can manage.</p><p></p><p>Marg</p></blockquote><p></p>
[QUOTE="Marguerite, post: 112769, member: 1991"] Serious suggestion - call ANYONE you have a loan with and explain the situation. Ask if they can re-calculate your loan so you can make easier payments for a while. It is amazing how much they will bend, because they would rather get SOME money from you, rather than nothing because you've gone into receivership. Also, look at your credit cards - see if you can change to one with a lower interest rate. Or see if you can re-schedule your loan on the time share with someone else for a lower rate. We have time share. I don't like the hard sell they use to flog the things, I think it's borderline dishonest, but we're happy with our time share and the travel we've been doing. You CAN buy time shares as re-sale, at a fraction of what we're asked for up front. And if THEY say you can't get out of it - get another opinion. I'm surprised husband is blaming you for buying the time share - in Australia, they won't let you sign up if you're married, they insist on it being a joint decision. And if husband tried to blame me for what is basically a joint decision, he'd be finding his extracurricular activities (ie personal hobbies) very much curtailed. He might even find I "couldn't afford" to get food for him. Talk to your bank. Maybe they can waive the fees, considering the hardship issue (EX no longer paying child support). Also, a bank charging fees - you can sometimes appeal and get the fees waived. You need to put it in writing, but one way to have a go is to point out that the fees charged are more than offset by the money they make having the use of your money at other times. Also, they often charge far more than the actual costs to them of you being overdrawn. In Australia our banks in general have had to drop some fees totally, after many people complained and the banks were challenged publicly. Talk to the pharmacist (in case the prescriptions didn't really cost that much and there was an error). An episode of Oprah on Aussie TV yesterday, was on how to reduce your debt. Some very useful info. You might be able to find some info online, from that episode. I'm fairly sure there were some books being promoted which you might be able to borrow. We're just clawing our way back from a very bad couple of months. With all the medical bills for easy child 2/difficult child 2 and me, our credit cards maxed out. One trip to the paediatrician costs us about $500. When we get another thousand in the same week, more medical bills - we're short for a while. We'll get some of it back (insurance pays for about a third of it) but in the meantime, things get tough. And we've already done what we could to cut our costs back, so we have NO LEEWAY at all... Do you have anything you could trade? Skills such as cooking? Ironing? Sewing? You might be able to barter with some neighbours or friends, to cover your needs in the meantime. This afternoon we traded some chicken manure for cucumbers. I use the cucumbers to make tzaziki, then I bake a loaf of bread (saves another few dollars and the kids are happy to feast on bread and tzaziki. They think they're in gourmet heaven, not poverty row. Add in some home-made pasta (eggs and flour) and the little (?) tummies are full for very little dosh indeed. Can you live out of your cupboard for a few days? What do you have in storage? There are ways... I hope you can manage. Marg [/QUOTE]
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