Have a question for our experts? This line is open until Friday, May 13th. Our expert will then answer the top questions and we’ll post their answers right here and on our Facebook page.
Q: I used to watch the grocery store ads and drive around to get the best deals. Now with the price of gas so high, not to mention the pollution to our environment, it doesn’t seem to make sense to drive 5 miles to save $.50. Even combining trips doesn’t always work if I am not going to be near the store. Am I better […] Read More
Have a question for our experts? This line is open until Friday, January 21st. Lisa will then answer the top questions and we’ll post the answers right here.
Q: What is a credit report?
A: A credit report is an accumulation of information about how you pay your bills and repay loans, how much credit you have available, what your monthly debts are, and other types of information that can help a potential lender decide whether you are a good credit risk or a bad credit risk. This information is compiled by 3 nationwide consumer credit reporting companies: Trans Union, […] Read More
Have a question for our experts? This line is open until Friday, December 10th. Patrick will then answer the top questions and we’ll post the answers right here and on the forums.
Q: What housing resources are available for low-to-moderate income, female headed families?
A: One of the greatest needs for female-headed households is affordable and decent housing. One may fall into one of three categories: homelessness, rental assistance or homeownership. A great resource would be the Tennessee Housing and Development Agency website http://www.thda.org/ which provides help in all three categories.
The Homelessness Prevention and Rapid Re-Housing Program http://www.thda.org/commpros/hprp/hprpcover.html provides housing […] Read More
Have a question for our experts? This line is open until Friday, November 5th. Debbie will then answer a few questions and we’ll post her answers right here and on the forums.
Q: How do I know how much to charge for new handmade or used items?
A: This is a process of trial and error. First, you have to see what people are willing to pay for your items. Just because you want to sell something for a certain amount, doesn’t mean that people will pay that much. Choose a price that you are willing to accept and […] Read More
PEEVE: Sucking at math.
GLEE: Payday is this week.
No matter how I envision it, the conversation just doesn’t go well:
Me: “Mom, I really need $200 for a new phone so I can post videos of Otto on YouTube.”
Mom: “Two hundred dollars?!? Your phone works perfectly fine – and you never should have gotten that stupid cat, either – you need to get a full-time job.”
Me: “If I had a full-time job do you really think I’d be calling you and begging for money?”
Me: “Mom, do you think I could borrow $200? I really feel like […] Read More
Q: What is your favorite money-saving tip?
My favorite tip if I’m saving on daily purchases and expenses such as groceries, eating out, gifts, clothing, etc. is using cash for those purchases. I budget for those expenses monthly and literally pull cash from the bank account to put in envelopes each month. Not only will it hold me accountable to stick to my budget, but I will typically spend less because it’s emotional and it hurts. Swiping a plastic card, even a debit, doesn’t have the same emotional punch as when you put a $20 on the counter and you get […] Read More