Total Debt Relief

slightly confused with life asked:


I have 3 credit cards: on one, I have almost 4,000 in debt on; the 2nd, I owe over $4,000; and on the 3rd, just over $1,000. I make my payments on time, and I pay higher than the minimum on two of them. However, between those credit cards, rent, car insurance, car payments, student loans, and everyday living expenses, it still feels like I’m not getting anywhere. I don’t have a second job, although I’m currently looking. Therefore, I’m thinking of using a debt consolidation program. I would probably use it for two of my credit cards, and keep one for emergencies, especially since that card is connected to my bank account(overdraft protection). Would this be a viable, practical option for me?

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Loon-A-TiK asked:


i have a lot of student loan debt and want to consolidate. however, i’m sure that because it is a private loan they’re going to run my credit. do you know what is the lowest score i can have to consolidate?
I don’t need debt management- my bad credit is the result of the ratio between my income and huge student loans. This totally messes with your credit. I’m working with a law firm to get this under control. I just need to consolidate my loans and while I can wait until my credit improves, I want to start saving money now.

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melaniecampbell asked:


I tried to sign up for www.paperbackswap.com– but found out that it is only available to America. I really like the idea of it, and I have tons of books- I am a book junkie! I Want to swap some of them– I have a lot of mystery/crime/romance novels, and want some personal finance/frugal living books… swapping them rather than buying them new makes sense…
Do you know of any CANADIAN available book swapping websites?

Thanks!

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