Budget

We're all about getting the best quality for the lowest price. About two years ago we learned about Straight Talk, a cooperative effort between Wal-Mart and TracFone to produce a better prepaid cell phone plan that included text, talk and internet. The original product rolled out with some minor glitches with service and phones. Eventually they included better phones and service on not only Verizon's network, but also T-Mobile and AT&T.

QUESTION:

My question is about debt. My husband and I have been married for sixteen  
years. We got into debt early in our marriage. We got a loan and paid the  
debt off, now we are back into debt and working on paying it off. How should  
we keep ourselves from getting back into debt after this is paid off and how  
do we keep from adding to the debt we already have?

I know willpower should be the answer, but it is not that easy.

Question: I wanted to send out a very sincere thank you to your family. I've never managed to save so much money before, and it's a welcome sight after almost a year of unemployment (both my husband and myself at the same time) pretty much immediately after graduating college and getting married. I want to ask your opinion:

Question: We have three grown kids. Two are doing fine, but the youngest one is married with two kids and is struggling financially. They are behind on their mortgage and credit card bills. What should we do to help them?


Answer: Please proceed carefully. As we’ve seen in the news, bail-outs are not effective ways to solve a long-term financial problem. As we’ve helped people in the past we’ve developed some guidelines that have worked for us.