Advice needed

I have three or four credit issues

I have three or four credit issues that have been haunting me for a looooong time. A couple of credit cards, and some store credits. I haven’t made any payments to them for roughly 5 years. In the beginning, I just didn’t have the money. I was in a rough situation for a while.

Anyway, I just got married last December. I want so desperately to pay off my debt and repair my credit so that we can get a house, etc. I am very scared to send any money to these debt collection letters I’m receiving, because who knows if they are ‘legit’.

I don’t even know who I owe money too anymore! Any advise? Thanks….

I am a stay at home mom to four children


I am a stay at home mom to four children two girls and two boys ages 8,5,4, and 10 months old. My husband and I met three years ago and got married a year ago, I had two girls and he had one boy we were both single parents. Than we had our baby!

Life has changed so quickly over the course of a short time. Before we first moved in together I was the director of a small animal rescue and juggled two jobs and living in the house that my ex and I bought, my husband was just out of the military on disability and working two jobs , living with his parents since his son’s mother abandoned them.

I lost my house to my children’s father after two years of tug of war (not over the kids, he just wanted the house). My than fiance and I decided to move in together. The agreement would be that I would be the stay at home mom, we were both paying a lot in day care and he would go back to school and continue to work his two jobs.

Unfortunately our credit was pretty bad so we are working on cleaning that up so we can buy a house. I thought: “I need a loan with almost guaranteed approval“, headed to my favorite website, submitted an application and, surprisingly, got approved almost instantly! In the meantime we live in NJ, wich has one of the highest costs of living. My husband got a better job but we needed a bigger place to live. The lowest we could find for a three to four bedroom house that would accept pets(our dogs are part of the family) is costing us $1500 a month plus we have two car payments wich together add up to $400 a month than our utilities of course(and we pay for the water not the landlord).

We would like to buy a home but we are finding it very difficult to save any money or pay off our old bills. We hired a law firm to help us clean our credit faster and that seems to be moving along nicely.

In the meantime we are barely scraping by and we really need to re-budget everything and figure out a game plan to get us through what seems to be a financial rough patch. My husband works very hard and goes to school,all after serving our country and coming back injured but needing to work to support his family.

We are young in our late 20’s and still paying for thinking that we had money trees in the back yard. Than of course having pasts and exes who helped to demolish our credit. Any suggestions on saving money would be appreciated!

Need cheap entertainment for grand-kids!!

Somehow I have acquired 7 grand kids under the age of eight, now it might be that I have 6 kids, 5 of which are married in thier 20’s.

Well I survived all of that hubby and I, but we need help!! We had a cookout yesterday, and I have a huge pool the little ones cat go into without a float and a parent. Soooo I tried to find ways to keep the kiddies entertained on MY budget. I bought dollar store coloring books & washable crayons, sidewalk chalk, floats of all kinds, beach balls & large paly balls (floats & balls was 50% off at my walmart) and I had kiddle bubbles and water guns ( I got these 2 for $1 and I had them use a bucket of water to refill thier own) ohh and I had the rackets & birdies game, we have a huge yard fenced in.

Sooo the kiddies are/were burned out on these ( I brought them out on at a time. What else is cheap entertainment for kiddies? I have 3 girl grandchildren & 4 boy grandchildren and they all play very well together.

We are having another cookout July 17th for my twin boys ( they are turning 30!!) Help this ol lady out, thanks.