Comments on: A perspective on debt consolidation http://www.gatherlittlebylittle.com/2008/01/a-perspective-on-debt-consolidation/ Proverbs 13:11 - "...he who gathers money little by little makes it grow." Thu, 09 Feb 2012 17:31:49 +0000 hourly 1 By: Bankruptcyhttp://www.gatherlittlebylittle.com/2008/01/a-perspective-on-debt-consolidation/#comment-23455 Bankruptcy Wed, 20 Oct 2010 10:14:21 +0000 http://www.gatherlittlebylittle.com/2008/01/22/a-perspective-on-debt-consolidation/#comment-23455 On a couple of occasions over the past year, I have mentioned or referred to anecdotes that we saw while reading through the Little House on the Prairie series with my kids. We are almost to the end of the stories and while a little simplistic and possibly over-romanticized, the books are a great way to develop a love of reading in young children. I have also been struck by the contrast between the 1800′s agrarian family life and modern lifestyles, especially in the United States. Children from that time period rarely went on vacation, typically received new clothes once a year and had extremely limited entertainment options. On a couple of occasions over the past year, I have mentioned or referred to anecdotes that we saw while reading through the Little House on the Prairie series with my kids. We are almost to the end of the stories and while a little simplistic and possibly over-romanticized, the books are a great way to develop a love of reading in young children. I have also been struck by the contrast between the 1800′s agrarian family life and modern lifestyles, especially in the United States. Children from that time period rarely went on vacation, typically received new clothes once a year and had extremely limited entertainment options.

]]> By: A perspective on debt consolidation [ Gather Little by Little ]http://www.gatherlittlebylittle.com/2008/01/a-perspective-on-debt-consolidation/#comment-4023 A perspective on debt consolidation [ Gather Little by Little ] Sun, 08 Jun 2008 00:08:43 +0000 http://www.gatherlittlebylittle.com/2008/01/22/a-perspective-on-debt-consolidation/#comment-4023 [...] 22nd 2008 4:10pm [-] From: gatherlittlebylittle.com [...] [...] 22nd 2008 4:10pm [-] From: gatherlittlebylittle.com [...]

]]> By: Debt Management on The Finance World For News and Information Around The World On Finance » A perspective on debt consolidationhttp://www.gatherlittlebylittle.com/2008/01/a-perspective-on-debt-consolidation/#comment-4022 Debt Management on The Finance World For News and Information Around The World On Finance » A perspective on debt consolidation Wed, 06 Feb 2008 14:08:47 +0000 http://www.gatherlittlebylittle.com/2008/01/22/a-perspective-on-debt-consolidation/#comment-4022 [...] A perspective on debt consolidation DonÂ’t confuse debt consolidation with debt management and counseling companies. Debt management and counseling companies donÂ’t move your debt. They negociate with your creditors to work out reduced rates, new payment plans, … [...] [...] A perspective on debt consolidation DonÂ’t confuse debt consolidation with debt management and counseling companies. Debt management and counseling companies donÂ’t move your debt. They negociate with your creditors to work out reduced rates, new payment plans, … [...]

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]]> By: A perspective on debt consolidation | Credit Consolidationhttp://www.gatherlittlebylittle.com/2008/01/a-perspective-on-debt-consolidation/#comment-4018 A perspective on debt consolidation | Credit Consolidation Wed, 30 Jan 2008 06:37:14 +0000 http://www.gatherlittlebylittle.com/2008/01/22/a-perspective-on-debt-consolidation/#comment-4018 [...] post by glblguy Share and Enjoy: These icons link to social bookmarking sites where readers can share and [...] [...] post by glblguy Share and Enjoy: These icons link to social bookmarking sites where readers can share and [...]

]]> By: Carnival of Debt Reduction » My Dollar Plan has posted Carnival #124http://www.gatherlittlebylittle.com/2008/01/a-perspective-on-debt-consolidation/#comment-4019 Carnival of Debt Reduction » My Dollar Plan has posted Carnival #124 Tue, 29 Jan 2008 05:39:30 +0000 http://www.gatherlittlebylittle.com/2008/01/22/a-perspective-on-debt-consolidation/#comment-4019 [...] Gather Little By Little who gives a perspective on debt consolidation [...] [...] Gather Little By Little who gives a perspective on debt consolidation [...]

]]> By: Carnival of Debt Reduction #124 | My Dollar Planhttp://www.gatherlittlebylittle.com/2008/01/a-perspective-on-debt-consolidation/#comment-4020 Carnival of Debt Reduction #124 | My Dollar Plan Mon, 28 Jan 2008 12:03:23 +0000 http://www.gatherlittlebylittle.com/2008/01/22/a-perspective-on-debt-consolidation/#comment-4020 [...] presents A perspective on debt consolidation posted at Gather Little by Little. Instead of consolidating debt, glblguy is taking a look at the [...] [...] presents A perspective on debt consolidation posted at Gather Little by Little. Instead of consolidating debt, glblguy is taking a look at the [...]

]]> By: glblguyhttp://www.gatherlittlebylittle.com/2008/01/a-perspective-on-debt-consolidation/#comment-4017 glblguy Fri, 25 Jan 2008 03:27:02 +0000 http://www.gatherlittlebylittle.com/2008/01/22/a-perspective-on-debt-consolidation/#comment-4017 @Hi Glad - Wow, you have a lot on you. Do you go to church? Many times your church will have a financial counselor either on staff or as part of their ministry. I think that would be the first option I would look into. If that isn't an option, than I would suggest you sit down with your husband and work out a plan. Seems, based on what you are saying, the plan he has just isn't working. I don't think the issue is joint or not (although I have a particular bias). Regardless of where your money is, it has to be properly allocated and budgeted. I'd suggest working up a budget together. This will allow him to understand all of the expenses and the amount of money required. Engaging him in the process will help him take some ownership of it. Cut back where you can, and if you can't cut-back, find more income. But I would seriously reach our to your church for some help. They frequently have certified financial planners on staff or in the congregation that will help you at no charge. Best wishes, and don't give up! @Hi Glad – Wow, you have a lot on you. Do you go to church? Many times your church will have a financial counselor either on staff or as part of their ministry. I think that would be the first option I would look into.

If that isn’t an option, than I would suggest you sit down with your husband and work out a plan. Seems, based on what you are saying, the plan he has just isn’t working. I don’t think the issue is joint or not (although I have a particular bias). Regardless of where your money is, it has to be properly allocated and budgeted.

I’d suggest working up a budget together. This will allow him to understand all of the expenses and the amount of money required. Engaging him in the process will help him take some ownership of it.

Cut back where you can, and if you can’t cut-back, find more income.

But I would seriously reach our to your church for some help. They frequently have certified financial planners on staff or in the congregation that will help you at no charge.

Best wishes, and don’t give up!

]]> By: Gladhttp://www.gatherlittlebylittle.com/2008/01/a-perspective-on-debt-consolidation/#comment-4016 Glad Fri, 25 Jan 2008 02:27:02 +0000 http://www.gatherlittlebylittle.com/2008/01/22/a-perspective-on-debt-consolidation/#comment-4016 I wonder if anyone has suggestions for us. My husband lost his job last year. We lost our house, and still have a ton of debt, partly from the house. I have made a budget. My spouse won't do a joint bank account, and gives me money irregulary that is not a set amount but seems to be whatever he wants to give up. I am going crazy with this "method". He just put in notice to one of his two low-paying jobs and will work 4 days a week for the other one. Our lease is up in May. The budget I did was based on the advice of an attorney for Chapter 7 bankruptcy, so without "extra" spending, (or less income), we would be paycheck to paycheck. Now the funds we had for legal fees is almost gone too. I wonder if anyone has suggestions for us. My husband lost his job last year. We lost our house, and still have a ton of debt, partly from the house. I have made a budget. My spouse won’t do a joint bank account, and gives me money irregulary that is not a set amount but seems to be whatever he wants to give up. I am going crazy with this “method”. He just put in notice to one of his two low-paying jobs and will work 4 days a week for the other one. Our lease is up in May. The budget I did was based on the advice of an attorney for Chapter 7 bankruptcy, so without “extra” spending, (or less income), we would be paycheck to paycheck. Now the funds we had for legal fees is almost gone too.

]]> By: glblguyhttp://www.gatherlittlebylittle.com/2008/01/a-perspective-on-debt-consolidation/#comment-4015 glblguy Wed, 23 Jan 2008 15:49:03 +0000 http://www.gatherlittlebylittle.com/2008/01/22/a-perspective-on-debt-consolidation/#comment-4015 Thanks sunsail I get them fixed. I wish they would do the same for me. I can stare at it for hours and not see it. Weird thing is I spellchecked it....hmmmmm. Thanks sunsail I get them fixed. I wish they would do the same for me. I can stare at it for hours and not see it. Weird thing is I spellchecked it….hmmmmm.

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