Bean Counters!

Bean Counters Board!

This board is to help everyone striving to become debt free with advice, encouragement, and money saving tips.

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Top 10 Tools Mega Site - Megaman 16:54:04 5/27/2006 (0)

Top 10 Tools Mega Site - Megaman 02:56:02 5/27/2006 (0)

Top 10 Tools Mega Site - Megaman 12:56:16 5/22/2006 (0)

Top 10 Tools Mega Site - Megaman 07:19:59 5/20/2006 (0)

Top 10 Tools Mega Site - Megaman 19:34:47 5/19/2006 (0)

Top 10 Tools AUDIO Mega Site - MP3Megaman 05:46:56 5/19/2006 (0)

Top 10 Tools Mega Site - Megaman 13:18:25 5/18/2006 (0)

Top 10 Tools Mega Site - Megaman 05:00:41 5/10/2006 (0)

Top 10 Tools Mega Site - Megaman 21:45:44 5/07/2006 (0)

JeronimoCaw - Sam 06:20:31 4/26/2006 (0)

Monicaw - Monicaw 13:54:03 4/19/2006 (0)

How long does it take for credit report to be updated? - MMM 11:06:30 2/17/2006 (1)

I believe it takes 30-60 days, sometimes more, just depends on how often the places report. - could take longer for your credit score to reflect it though I think 14:26:14 3/13/2006 (0)

Unexpected drop in income.. need hints, ideas, tips, etc. of ways to cut back. - I'll start the list... please add so we can all learn! 11:00:56 8/22/2005 (14)

Some ideas - allie 21:27:59 8/22/2005 (0)

Writing down your suggestions... all really good! Now to put them into action! - New to this... thanks for ideas! 17:31:01 8/22/2005 (2)

If you have Excel I have a "workbook" that might help you keep track of spending. sm - susan 18:23:12 8/22/2005 (1)

That's so generous of you, Susan! Thanks, we do have Excel... SM - OP 21:15:52 8/22/2005 (0)

keep track (sm) - long time budgeter 14:19:06 8/22/2005 (0)

more ideas...sm - Pro-cutterbacker 12:01:02 8/22/2005 (0)

Get rid of cable/satellite services. Spend about $20 on an antenna at wal-mart and use sm - some of what helped us. 11:38:46 8/22/2005 (7)

Oh, AND - don't forget to save those gas receipts. sm - Pro-cutterbacker 12:06:26 8/22/2005 (6)

Can you explain? sm - don't understand 21:16:36 8/22/2005 (5)

My accountant says I can sm - sublime 15:08:19 8/24/2005 (4)

Re: My accountant says I can sm - christina macmillan 20:01:14 3/20/2008 (0)

Re: My accountant says I can sm - Lynn D. 00:30:14 2/05/2008 (1)

Re: My accountant says I can sm - Lynn D. 00:32:58 2/05/2008 (0)

Re: My accountant says I can sm - baldevasia 15:46:57 11/29/2007 (0)

Dave Ramsey's Total Money Makeover book helped us - sm - Now debt-free except house 23:35:09 3/27/2005 (0)

Announcing New MT Job Board - MTWanted 02:31:43 3/06/2005 (2)

Link is added above. nm - sublime 14:20:04 3/07/2005 (1)

Thank you so much for your kindness. nm - MTWanted 03:56:50 3/08/2005 (0)

Hello Who owns this board and how can I get in contact with them? Thanks for the help anyone NM - RuthAnn 12:37:18 2/14/2005 (3)

That would be me, just let me know what you need and I'll sm - sublime 14:16:56 3/07/2005 (0)

RuthAnn--Sublime owns the board. If you'd like to E-mail me-sm - Vicki 10:36:31 3/02/2005 (0)

I think Sublime runs this board but I may be wrong about that. - nm 00:31:04 2/17/2005 (0)

New Link - MT Freebies. SM - xyz 16:35:36 1/22/2005 (0)

Bankruptcy - pieface 09:31:45 1/21/2005 (3)

Re: Bankruptcy - mom 16:19:31 2/04/2005 (0)

Here is what I know - sm - Ex Ch 13'er 13:28:28 2/04/2005 (1)

I have filed bankruptcy because of medical bills. - will not say my name 14:26:05 2/04/2005 (0)

I do not have to give up my jeep after all! - formerly EA 18:51:59 1/09/2005 (3)

I'm so glad to hear this EA.....sm - Penny Pincher 14:46:35 1/10/2005 (2)

Thanks for the link. I have checked them out before:) - EA 16:31:59 1/11/2005 (0)

Well, POOH! The link didn't work. sm - Penny Pincher 14:47:45 1/10/2005 (0)

I need help. I lost my job after I got a "new" (2002) - EA 13:50:14 1/01/2005 (4)

Have you contacted your lienholder....sm - Penny Pincher 23:49:05 1/01/2005 (1)

Great suggestions. I am hoping this year will bring me a GOOD job:) Thanks again! - EA 13:09:35 1/02/2005 (0)

I don't know, However, can you try to sell the vehicle, yourself? nm - Vicki 15:05:27 1/01/2005 (1)

I may have to. Thanks:) - EA 17:37:20 1/01/2005 (0)

Can I demand and is it my right to receive a credit report in this case? - SM 17:47:12 12/21/2004 (0)

Free credit reports available now or soon... sm - sublime 17:40:48 12/06/2004 (0)

Post some of your favorite ways/suggestions to save money. We can all help each other that way. - Thanks! 09:45:38 11/29/2004 (2)

Some of the ways Isave money....... sm - Penny Pincher 22:53:57 12/01/2004 (1)

Those are some great tips. Thanks for posting! - Ms. Frugal 02:55:57 1/22/2005 (0)

I'd like to email the monitor/admin of this board. Can someone give me an email address? - Thanks! 08:50:29 9/29/2004 (0)

Anybody have any hints for someone whose-sm - see msg 09:36:55 9/15/2004 (3)

Penny pinching works - Raspie 01:46:08 9/22/2004 (2)

These are fantastic! You've really got a lot of good ways here. TY - Guest 09:16:58 9/23/2004 (1)

Borrow videos at the library ; we saw Two Weeks Notice and Cheaper By The Dozen and - it didn't cost a dime. No new releases available but that's okay by us. 07:54:31 11/03/2004 (0)

Font will be fixed shortly. Thanks. - FYI 12:47:47 8/18/2004 (1)

You can still post, though. TY - FYI 14:31:16 8/18/2004 (0)

About Bankruptcy - Lurker Lady 09:48:05 8/18/2004 (0)

Not sunk, but sinking. - HELP. 08:21:21 8/18/2004 (5)

What about doing a quit claim on the "for sale" house? - nm 10:22:35 11/11/2004 (0)

How can you qualify for a new house when the old one is unsold? - Bank won't LET you do that. 15:48:42 8/20/2004 (2)

Sure they will if you qualify to carry both mortgages. - nm 10:20:07 11/11/2004 (0)

Huh? They do it all the time.... - nm 19:19:25 9/11/2004 (0)

Have you seen ads in your area for "We buy ugly houses" or something like that? - sm 11:24:33 8/20/2004 (0)

Hi. I have some major credit problems and need opinions ... sm - Too embarrassed 11:50:32 8/14/2004 (3)

I filed bankruptcy 12 years ago - SM - B9 17:21:09 8/15/2004 (0)

My experience with judgments sm - sm 20:39:14 8/14/2004 (1)

Thanks for the info. I can't afford to pay them all off ... sm - Too embarrassed 12:26:53 8/15/2004 (0)

Question about ch 13 and the 7 year wait - sm 19:03:59 8/06/2004 (4)

Mine was 12 years ago - SM - B9 17:25:18 8/15/2004 (0)

Re: Question about ch 13 and the 7 year wait - not quite there yet but close 12:56:33 8/07/2004 (2)

Thanks for help on this. It seems so unfair that - sm 14:49:19 8/08/2004 (1)

Re: Thanks for help on this. It seems so unfair that - good luck to you--try credit boards, you will get a lot of help there--nm 19:37:28 8/09/2004 (0)

Does anybody know where I can get a free credit report w/o - sm - looking 22:57:30 3/31/2004 (2)

When I got denied a loan recently, I called Equifax, and (sm) - backwoods mama 00:38:00 6/16/2004 (0)

I've been seeing ads on T.V. the past couple of week for a site - sm 04:02:43 4/05/2004 (0)

Does anybody know. . . If someone filed bankruptcy - pls see msg. 11:29:22 3/06/2004 (5)

Can you place a lien against his personal property? sm - Dawn M 23:42:19 7/03/2004 (0)

Re: Does anybody know. . . If someone filed bankruptcy - Gracie 15:45:48 5/23/2004 (0)

My SIL owed her own mother money and included it in a BK. nm - Yep 05:20:33 3/08/2004 (0)

Yes, the must list personal debts as well and yes, they can be discharged in the bankruptcy. - It sounds like you can kiss your money goodbye. Consult a lawyer ASAP 20:27:00 3/07/2004 (1)

Bummer! rats! crimeny! bad words, even! - Thanks for your response. 04:54:28 3/08/2004 (0)

Don't know what to do - Feeling low 15:59:23 2/25/2004 (2)

There are many lending institutions that will not charge fees to refinance or they - jhmt 20:55:02 2/27/2004 (1)

I'm going to sell my house. That'll give me the money and get me out of this mess. nm - Feeling low 09:56:18 3/02/2004 (0)

To Doodle: What exactly does loss mitigation entail? - bj 14:19:38 1/20/2004 (1)

bj - sm doodle 17:51:56 1/20/2004 (0)

doodle, please see message... - Depressed/scared 12:58:24 1/20/2004 (2)

Depressed/scared... - sm doodle 17:42:13 1/20/2004 (1)

doodle, I e-mailed you this evening. nm - Depressed/scared 23:56:11 1/28/2004 (0)

Anyone have a good source for grocery coupons? sm - Maine 19:00:29 1/05/2004 (5)

Re: Anyone have a good source for grocery coupons? sm - penny 20:54:09 3/17/2004 (0)

The best are in your Sunday paper, and you have to find a store - sm 21:06:42 1/07/2004 (3)

The problem I found in stores that double the coupons are their sm - Syd 13:58:51 1/20/2004 (1)

If you are just looking at the prices then yes, sometimes - sm 18:19:17 1/23/2004 (0)

Thankyou! This helps a lot! :-) nm - Maine 08:48:31 1/09/2004 (0)

Is This Legal ? - John 09:36:20 12/30/2003 (1)

Sounds scary. Get a free initial legal consult. - yikes. 14:24:59 12/30/2003 (0)

test - sublime 11:15:51 11/28/2003 (0)

Where to go for a personal load with bad/no credit? - Jackie 16:01:43 11/24/2003 (2)

Also if you've been denied credit, sm - sublime 22:15:28 11/30/2003 (0)

I would do this: - M 09:31:04 11/26/2003 (0)

To buy another house or revamp the old (kinda long)? SM - me 13:06:07 11/16/2003 (6)

I was in your shoes (sort of ) exactly a year ago. - - sm 12:07:07 11/17/2003 (0)

Well maybe not exactly the same dilemma. We don't have the option - M 09:52:03 11/17/2003 (0)

Seems like a decision that could have far-reaching - sm - z 23:46:47 11/16/2003 (1)

Thanks for the info, but it will not let me post without paying. :-( nm - me 07:44:11 11/17/2003 (0)

So mom will own 1/2 the house...sm - EEEEK 15:52:09 11/16/2003 (1)

Actually, mom and DH get along perfectly. And the house would not be in her name. SM - me 17:24:22 11/16/2003 (0)

Inspired by the post below - what is important to you in a house? - xx 14:56:58 11/08/2003 (7)

One level. Nice yard that is fenced sm - Dawn M 23:45:42 7/03/2004 (0)

I have a lot of my 'requirements' such as (sm) - Gengar 08:39:32 11/18/2003 (0)

Hmm, I think I have very few "musts" in a house. Right now with 3 kids, SM - Flash 12:13:41 11/17/2003 (0)

Right now, my "wants" are simple -- a smaller single story. - sm 11:51:21 11/17/2003 (0)

#1: Paid-off mortgage! - x 23:03:20 11/13/2003 (0)

A huge kitchen for my husband, a soaking tub for me all in a prime neighborhood. - Molly 12:42:16 11/12/2003 (0)

Huge open kitchen/family room area with an island in the kitchen, - BNC 05:32:10 11/10/2003 (0)

Our biggest budget-breaker is our 'old' house. sm - This Old House is killing us! 11:42:16 11/03/2003 (11)

I don't even want a house anymore!! - Lucy 21:43:37 11/20/2005 (0)

"Own your home, don't let it own you" sm - umt 04:15:03 11/13/2003 (0)

Same problem here. We bought a 70+ year old house four years ago - In the same boat 09:01:39 11/05/2003 (1)

Little 90yo lady lived alone here for 30yrs and This Old House sm - Bought 50yr+ estate house 11:01:10 11/05/2003 (0)

I will never buy a new house ever, ever, ever again. You go and look - sm 12:55:34 11/04/2003 (2)

New houses are not perfect, I agree.sm - Kiki 12:18:17 11/12/2003 (0)

Well, this post helps me a lot. You are right. Buying a house - xx 14:41:26 11/08/2003 (0)

I know someone who bought new...sm - flygirl 04:18:46 11/04/2003 (1)

I would LOVE to just paint or lay mulch just to have a good result. sm - I don't know...it's all relative, isn't it? 08:28:59 11/04/2003 (0)

Sort of in the same boat and wondering the same thing as you - - xx 14:01:34 11/03/2003 (1)

Boy, do I hear ya! DH has done some 'crazy' temporary fixes sm - OP 08:22:09 11/04/2003 (0)

Ever use an ebank? Pros and cons? nm - MA 06:52:14 10/27/2003 (5)

Use my credit union online - absolutely great, no problems, no fees, - sm - x 08:56:26 11/06/2003 (1)

I thought OP meant an internet bank with no actual physical building? NM - passing by 23:06:04 11/16/2003 (0)

Used to use Wingspan but unless all your deposits are - xxx 12:59:53 11/01/2003 (0)

I've been using Netbank for several months now. - sm 00:31:47 10/31/2003 (1)

Thanks. Think I'm going with Bank of Internet. They have a good senior account w/o fees. - MA 07:23:02 11/10/2003 (0)

How does a line of credit work? Have around $50K equity. - m 20:13:39 10/26/2003 (4)

You might be thinking about a reverse mortgage. That does not get paid back until - the property is sold. nm 00:15:35 10/27/2003 (0)

No, you have to pay it back - SM - B9 21:43:25 10/26/2003 (1)

Wow, B9. This is terrific information. Thanks for taking the time to help. - Original poster 10:08:18 10/27/2003 (0)

Also, does this have to be with the current lender? Thanks for helping me out. - Original poster 20:27:03 10/26/2003 (0)

Does anyone know what ballpark FICO score is needed to... - please sm 10:33:36 10/16/2003 (6)

Depends on the bank.....here 601 score got us 21% intrest last year on car loan - nm 20:07:29 3/07/2004 (0)

My Fico score is 583. I ordered a year's worth of - sm 14:23:31 10/26/2003 (2)

Also, all inquires within 14 days for an auto loan or mortgage are - sm 16:55:52 10/26/2003 (1)

More info from fico.com (sm) - sm 13:14:43 10/27/2003 (0)

When we made a big purchase offering low financing to qualified buyers we - BNC 18:13:22 10/16/2003 (1)

Thanks much for the insight. Very helpful! nm - original poster 10:04:53 10/18/2003 (0)

What exactly is a bean counter? :-) - BJean 11:07:41 10/13/2003 (2)

I assume it's re: $$, so I'll go ahead and ask my question. SM - BJean 11:11:02 10/13/2003 (1)

Nope, but how scary. If the corp fails, there goes the home. - Id hoop jump to make sure its all in line with little risk. 05:05:08 10/15/2003 (0)

How can I get a small loan for some - Not smiling. 14:16:12 10/08/2003 (5)

Have you talked with dentist about bonding versus implants. Don't know that much - BNC 22:22:36 10/13/2003 (0)

A home equity line of credit might be the ticket. nm - BG 19:40:33 10/12/2003 (0)

How implants do you need? My mom has many and they cost several thousand - PER TOOTH! Very very expensive. nm 07:57:51 10/09/2003 (0)

Not smiling, there are LOTS of places now that finance cosmetic dentistry... - xx 17:55:03 10/08/2003 (0)

I'm no expert but sm - sublime 15:17:09 10/08/2003 (0)

How do I obtain a credit report sm - broke 17:18:51 10/05/2003 (7)

I get all three separately, sm - sublime 14:52:13 10/06/2003 (2)

I went to each one separately but sm - sm 17:15:23 10/06/2003 (1)

I just want my credit reports too, sm - sublime 10:49:34 10/08/2003 (0)

www.equifax.com - nm 08:45:26 10/06/2003 (1)

Tried that. Just got the fine print message. Will call them - though 12:08:46 10/06/2003 (0)

CHeck out bankrate.com. They have all kinds of info about that. nm - Hope this helps 18:19:15 10/05/2003 (1)

helps a lot. Thanks. - nm 19:44:46 10/05/2003 (0)

Household Hints Board is moving for ease-sm - Vicki 11:17:40 9/25/2003 (3)

Above link wrong-See inside for correct link-sm - Vicki 12:07:37 9/25/2003 (2)

Updated, thanks. nm - sublime 11:45:36 10/02/2003 (1)

Thank you so much sublime. :) nm - Vicki 16:37:30 10/04/2003 (0)

Temporarily "rich" - nn 10:15:54 9/25/2003 (1)

Did you get to keep it? :) nm - sublime 11:47:23 10/02/2003 (0)

If you work on at your school as part of financial aid (sm) - Curious 08:52:15 8/28/2003 (4)

Even if you taxes were paid, I understand you can file for (sm) - Curious 16:32:29 8/30/2003 (2)

Did you get paychecks or did the money go right back to the school for payment of tuition? - BJean 11:12:34 10/13/2003 (1)

Paychecks - no taxes taken out though. - NN 06:56:38 10/14/2003 (0)

You have no other income than financial aid from your school? - not sure I understand the question. 14:48:30 8/30/2003 (0)

Long question about selling a house and strategy for home inspection...sm - Twixt and tween 10:27:29 8/27/2003 (7)

Thanks everyone. sm - OP 09:16:44 8/28/2003 (0)

I think you've had some good suggestions here. (see msg) - just sold one 06:39:52 8/28/2003 (0)

house inspection considerations - mt 17:34:38 8/27/2003 (0)

We bought a 70+ year old house as is (sm) - Here's my long answer 11:51:31 8/27/2003 (0)

My parents are in the process of selling theirs. sm - Connie S 11:21:13 8/27/2003 (0)

If a buyer wants the house, she will be willing to negotiate just about anything. I say - do nothing major in way of repairs. 11:14:39 8/27/2003 (1)

State in the contract and listing a max amount for repairs, say $1000. nm - been there 13:04:04 8/27/2003 (0)

Hospital quality scrubs at a discount price? Anyone know wjere? TIA - New Job!! 21:30:01 8/20/2003 (5)

I'll ask my husband, a nurse, where he gets his. They are from a catalogue - but I don't think his are that much sm 14:49:51 8/30/2003 (0)

Some Wal Mart stores have them and some Target's too...nm - try it 15:06:44 8/21/2003 (0)

Ask some employees of local nursing homes, not hospitals. (sm) - sm 08:27:41 8/21/2003 (0)

So sorry...should be ~where~ (NM) - Scrubs 21:30:54 8/20/2003 (1)

Yellow pages. - nm 22:49:44 8/20/2003 (0)

Bankruptcy questions - Anon 10:59:12 8/18/2003 (5)

Re: Bankruptcy questions - liz 14:02:14 12/03/2003 (0)

We filed a 13 in 1997. It was completed two years ago, paid - sm - Been there 15:38:15 8/31/2003 (0)

Chapter 13 here. Just hit half way point with this month's payment.... - See Msg 21:48:14 8/18/2003 (2)

Don't worry - sm - Been there 15:52:41 8/31/2003 (0)

MT here with 6 mo. to go on a CH 13. Div housewife with no alimony, then major surgery. (SM) - Nearly Complete 21:26:31 8/20/2003 (0)

Does anyone know a mortgage company....sm - Needing help fast. 14:49:10 8/15/2003 (2)

Just call around and ask. If not owning the land is a problem, lots of people - BNC 19:58:04 8/15/2003 (1)

Mobile home financing is more like a consumer loan. Not the same as a - regular mortgage. Rates ARE higher for MH's. nm 12:58:18 8/16/2003 (0)

Anyone know anything about getting out of a car lease? SM - peke 12:44:11 8/02/2003 (8)

This may have been mentioned but sm - Gengar 10:14:53 8/07/2003 (0)

Update - Please sm - peke 18:31:23 8/05/2003 (4)

Some suggestions (sm) - SJSJ 06:59:17 8/06/2003 (0)

This may help if you own your home 'free and clear' sm - kar 06:55:05 8/06/2003 (2)

I agree about looking into a home equity loan. (sm) - tootiefish 17:33:11 8/06/2003 (1)

Re: I agree about looking into a home equity loan. (sm) - Freddie 16:45:18 12/08/2003 (0)

Call your lease company and ask what your options are. - tootiefish NM 10:55:16 8/05/2003 (0)

With my lease through GMAC--you can "add" allowed sm - kc 12:53:41 8/04/2003 (0)

Dollar stores/discount stores - penny 18:06:37 7/30/2003 (8)

We have a 99 Cent Stuff store near me and sm - Dawn M 23:48:38 7/03/2004 (0)

Re: Dollar stores/discount stores/dsicount day-old bread in Michigan - Yvonne Baarse 21:00:15 9/21/2003 (0)

Speaking of school supplies - sm 16:01:42 8/31/2003 (0)

Where I live there is a store called Grocery Store Outlet - sm 14:54:39 8/30/2003 (0)

Any food I've bought in a dollar store is usually stale. That's why it's there. - That's my only complaint 13:30:23 7/31/2003 (1)

Aw, that's too bad, I've very rarely had that problem, maybe it's your particular outlet - try another one, if possible 11:22:27 8/02/2003 (0)

Excellent advice, Penny! I always forget about the (sm) - tootiefish 09:28:37 7/31/2003 (1)

I never really have looked in that section at our dollar store,but I will now (sm) - sm 09:45:46 7/31/2003 (0)

Daughter is student with 2 children, currently on HUD (sm) - Curious 13:34:07 7/26/2003 (1)

Don't know-You could always call their office & ask-you probably-sm - Vicki 20:28:54 7/26/2003 (0)

Daughter is student with 2 children, currently on HUD (sm) - Curious 13:32:51 7/26/2003 (0)

This is a great link for anyone trying to improve their credit...sm - Marge 11:01:14 7/25/2003 (1)

This is a really good site, Marge-;) nm - Vicki 20:29:21 7/26/2003 (0)

I need to refinance before I sell and have foundation problems. sm - Afraid and broke 08:16:06 7/21/2003 (3)

Re: I need to refinance before I sell and have foundation problems. sm - Greg 16:46:04 12/08/2003 (0)

I had an experience with this problem recently sm - Gengar 09:31:05 7/23/2003 (1)

Thank you so much for the info. I really appreciate it........nm - Afraid and broke 14:46:02 7/23/2003 (0)

Savings on prescriptions (sm) - sm 07:15:54 7/17/2003 (5)

You have to be on Medicare to be eligable. for these programs...nm - Tried it 14:47:12 7/23/2003 (0)

Heard something on the news tonight about Pfizer (?) having a similar program for their - BNC 21:09:51 7/21/2003 (2)

Under 17,000/year and a single person can get meds. nm - using it 12:39:55 7/22/2003 (0)

I think you have to be R-E-A-L-L-Y low income to qualify for those - company programs. nm 12:34:22 7/22/2003 (0)

Wow, thanks for sharing this-nm - Thanks... 08:54:09 7/17/2003 (0)

So glad to see this board back up and running! sm - Marge 19:49:44 7/13/2003 (4)

I'm glad it's back too - all new colors and current links! =) nm - sublime 16:33:48 7/15/2003 (3)

In case you are stopping by and see weird colors, sm - sublime 16:41:27 7/15/2003 (2)

OK I'm done for now. I'll redo the colors later. nm - sublime 16:54:08 7/15/2003 (1)

Lookin' real good, sublime--has a sharp, clean look! :) nm - Vicki 08:55:04 7/17/2003 (0)

Ladybug has to close her board down by 10:00 PM tonight-sm - Don't know what's going on... 19:48:37 6/11/2003 (2)

Link to new board is up top. nm - sublime 11:47:25 6/12/2003 (1)

Thanks Sublime. --nm - --- 13:48:41 6/12/2003 (0)

Good morning everyone-Please stop in-sm - Vicki 07:23:00 6/10/2003 (0)

Sublime: If you change your links for the Word-sm - Thank you Sublime 11:47:35 6/07/2003 (2)

Funny you should mention it, sm - sublime 00:43:27 6/08/2003 (1)

Done. Also added link to Single Parents board. nm - sublime 11:14:51 6/09/2003 (0)

Income: 50K/year but still living p'check to p'check. How 'bout you? - strapped 10:26:17 6/04/2003 (3)

Seems like all friends and family are more "fluid" than we are. - broke and disgusted 11:41:58 6/07/2003 (0)

Don't beat yourself up too much, 50,000 isn't all that much these days. - Everything is so expensive anymore. NM 18:30:05 6/05/2003 (0)

Well, I only make $36,000, single, 1 child and in a similar boat but - juggle bills every month. Splurge? Ha. 14:40:34 6/04/2003 (0)

Does anyone know of a good mortgage company for people with poor credit? - sm 11:14:09 5/29/2003 (5)

Full Spectrum, a subsidiary of Countrywide will lend to you... - sm 09:00:54 6/04/2003 (1)

Thanks so much for this info. was just approved/6 mo from end of Ch 13. You saved my life! - Thank you so Much! 01:04:00 6/25/2003 (0)

MortgagePointers or www.bKret.com (Clarion Mtg). NM - Me too 15:41:27 5/29/2003 (1)

Opps. I meant www.bkrefi.com for Clarion Mortgage Capital NM - I was approved in Ch13 15:44:16 5/29/2003 (0)

Do an internet search for mortgage poor credit and I guarantee you'll get info. - been there 15:17:56 5/29/2003 (0)

Ch13 have been offered loans for early payoff if refinance home - 7/mo to go 05:57:33 5/28/2003 (4)

We are in the middle of a chpt 13 and as I understand it, you are fobidden from - taking out loans like mortgage or car loans until discharged. nm 09:13:26 5/29/2003 (3)

Prior approval from trustee/courts is necessary/called early discharge/payoff. (NM) - Ch13 11:52:56 5/29/2003 (2)

And ONLY possible if you're paying back at 100%. If not, an early pay off... - chapter 13er 17:17:52 5/29/2003 (1)

They insist a total refinance of my home at 8% interest. I am afraid of higher house payment... - Me Again 19:43:13 5/29/2003 (0)

Discount dental work? (sm) - Anon for now 10:08:26 5/20/2003 (1)

My SIL used one of those places. She has had hers for 10 years, with no problems. Loves them. - Sally 15:40:31 5/20/2003 (0)

New link to Ladybug's new board-see inside- - Daffodil 11:24:38 5/16/2003 (1)

I have updated my boards x 3, including this one. =) nm - sublime 11:53:45 5/19/2003 (0)

Darn. Old parking tickets bit me in the butt. - Guess I deserved it but.... 15:35:24 5/10/2003 (4)

Can't believe they can take money out of your account like that without warning you (sm) - Shocked 10:03:34 5/20/2003 (3)

As far as quick $$, maybe you could call your car company and ask if they can give you a . . .sm - just a suggestion. 06:23:56 5/23/2003 (1)

Thanks. Someone else told me of this too. Anyway, today is payday and - I made it (early because the 25th is a holiday). Yay!!! SM 11:38:48 5/23/2003 (0)

You gotta understand, these were from 5 years ago. I guess they were - afraid to tell me because I'd close out my account SM 12:59:16 5/21/2003 (0)

Just updated all links on sm - sublime 13:48:08 5/07/2003 (0)

Final update (I hope)! - sm anonymous 09:52:52 5/06/2003 (4)

I'm so glad you wrote back and let us know what happened--Good for you! :) - Vicki 13:56:31 5/07/2003 (0)

Congratulations and good for you. Unfortunately, I think by the time sm - cp 03:36:30 5/07/2003 (2)

Absolutely. I think that it is terrible that nobody tells you - sm doodle 12:22:30 5/07/2003 (1)

You should be congratulated for all the hard work you put into this-Also, prayers for your - husband-Vicki :) nm 13:58:15 5/07/2003 (0)

Some uplifting info if you have a BK on your record... - Chapter 13er 08:23:04 5/02/2003 (1)

What WONDERFUL news!--and, a new place to boot. That great--thanks-sm - Vicki 11:20:25 5/03/2003 (0)

I'm doing the happy dance!! I just had to share - Dolphin 08:19:18 4/18/2003 (7)

Please tell us how you did it!! NM - Congrats!! 09:26:39 4/18/2003 (6)

We went through Genus credit management back in 1998. sm - Dolphin 18:11:44 4/21/2003 (5)

Did belonging to the Genus program have any effect on how banks treated you regarding home loans? - MonkeyPants 08:32:36 4/23/2003 (2)

sm - Dolphin 13:22:31 4/23/2003 (1)

Great info, Dolphin! Thanks so much, and again, congratulations on your financial success! - MonkeyPants 13:44:09 4/23/2003 (0)

Well I think that is awesome. - Congrats! 07:16:25 4/22/2003 (1)

same from me. - gonna be there soon. 11:58:02 4/22/2003 (0)

need advice on bankruptcy versus a judgement. sm - desperate 11:49:28 4/14/2003 (3)

We have been there... - Chapter 13'er 09:13:45 4/15/2003 (1)

The day after I filed BK I received credit card applications, car loans, etc. - sm 03:39:11 4/16/2003 (0)

Have you tried to negotiate with the credit card company on your own? - sm 17:49:40 4/14/2003 (0)

Is this a safe place to come now? - sm 23:03:19 4/07/2003 (13)

Only the main board is full of "meanies." Post 'til your heart's congent here! :) - MonkeyPants 11:24:00 4/23/2003 (1)

Thanks, MP, but it was definitely this board. But I really need to be here from time to time. - Thanks for everyone's help!!!! 11:31:10 4/26/2003 (0)

What's the advice you need? How can we help? - vitabath 13:53:13 4/08/2003 (7)

Really, I need basic advice. - sm 16:33:07 4/09/2003 (6)

One thing my husband and I do....sm - flygirl 07:11:32 4/11/2003 (1)

Actually, I already do that. It works VERY well for me. Thanks. - That is great advice. nm 15:24:26 4/11/2003 (0)

I'm not an expert on money managing by any means but I did learn this: - vitabath 12:33:48 4/10/2003 (3)

LOL. It does help, but so far - sm 15:17:11 4/10/2003 (2)

Cheapskate monthly has some great ideas......sm - Sam 11:28:26 4/18/2003 (1)

Oh, thank you, thank you. - sm 12:54:15 4/19/2003 (0)

It seems that you should be treating people on the other boards - sm - A regular 07:31:00 4/08/2003 (2)

I just went and checked it out. I'm not much on religion, but it seems - interesting. Thanks for the tip. 10:29:36 4/08/2003 (0)

LOL. Okay, thanks. But I think you have a case of mistaken identity. - I have never been to that board. But I'll take your advice. 10:07:56 4/08/2003 (0)

I'm puzzled about something... - Any ideas? 10:21:23 4/04/2003 (3)

We have been where you are... - sm 14:25:24 4/06/2003 (0)

Here is what our experience has been....sm - anon 11:58:43 4/04/2003 (1)

BTW, you need permission before incurring new debt while in BK13. sm - 11 mo. to go 20:57:18 4/04/2003 (0)

Income tax programs? Thought I saw something about (sm) - Sherry 19:22:42 4/02/2003 (2)

I don't know about free ones, but (sm) - tootiefish 08:20:18 4/03/2003 (1)

Thanks, have heard others say it is good. For that price will be going to WalMart tonight. nm - Sherry 08:57:15 4/04/2003 (0)

What is considered a good FICO score? Thanks. - FICO-less 14:29:46 3/31/2003 (3)

Thanks. Mine 617, hubby's 557. I thought we were in avg-good range. Guess - FICO-less 11:07:26 4/02/2003 (0)

I've included the link I refer to regarding FICO. See link inside. - me-et-moi 21:24:15 4/01/2003 (0)

740 or above. Lots of info on the net about FICO. Try Google - nm 18:40:10 4/01/2003 (0)

Hi all! The latest update.... - anonymous 18:20:06 3/28/2003 (2)

Wonderful! I am so glad things are working out for you! - Dolphin 08:38:50 3/31/2003 (0)

To: "The latest update"--WOW--What wonderful news! You certainly-sm - Vicki 20:12:23 3/29/2003 (0)

Our auto insurance went up $100 because our, sm - Heynon 01:36:18 3/23/2003 (2)

Yes, indeed, insurance companies are doing this. The thought is - sm 18:50:48 4/01/2003 (0)

Call your agent and complain...sm - flygirl 08:19:00 3/23/2003 (0)

Dumb ?'s about having a garage sale. sm - Need some help 09:16:26 3/18/2003 (3)

Keep your money in a hip pack, right in front of you around your waist. - Don't use a cash box. nm 22:12:23 3/28/2003 (0)

What I do...sm - flygirl 11:27:46 3/18/2003 (1)

Thanks Flygirl...I always wondered about taking checks. DH and I sm - Dumb-question-asker 14:44:54 3/18/2003 (0)

credit report question..... - embarrassed 14:59:26 3/16/2003 (8)

I'm not clear about what you are asking. If you filed a ch 7 - sm 19:04:33 4/01/2003 (0)

I filed BK in 95 and a couple of the debts were still on the report. I was told - been there 13:37:21 3/18/2003 (1)

Thanks. I appreciate your response. nm - embarrassed. 20:13:02 3/18/2003 (0)

If you were applying for a loan and were turned down (sm) - Luck of the Irish ;) 19:38:28 3/17/2003 (1)

Thank you. Just the advice I needed! nm. - embarrassed 20:11:42 3/18/2003 (0)

Credit reporting company. Instructions should be on the report to do it - in writing. 15:04:37 3/16/2003 (2)

Thanks. I don't have the actual report, my bank ran it and I didn't actually look at it. nm - emb. 19:33:29 3/16/2003 (1)

You might ask them for a copy of the report. Otherwise, they should tell you - which reporting agency they used. 09:57:19 3/17/2003 (0)

Reputable debt consolidation co's? sm - Pondering my options 14:55:35 3/04/2003 (7)

One thing you might want to keep in mind...... - Chris 16:15:16 3/18/2003 (3)

If I'd had any luck with my creditors, I would not have needed CCCS. - hpmf 18:01:49 3/18/2003 (2)

I think that's been my problem too sm - Pondering 17:57:59 3/19/2003 (1)

Using counseling services damage your credit too in most cases. - NM 22:14:40 3/28/2003 (0)

I recommend Consumer Credit Counselling. They saved my life. . financially. - been there 17:12:27 3/04/2003 (2)

We made an appt. today! nm - Thanks! 18:23:54 3/05/2003 (1)

Good for you! Do keep us posted. - been there 17:06:10 3/06/2003 (0)

What out credit card holders... sm on main board - j 10:30:49 2/25/2003 (2)

Suppose to be watch out , sorry. I am just so mad - j 10:31:57 2/25/2003 (1)

Re: Suppose to be watch out , sorry. I am just so mad - snafu 05:50:52 3/01/2003 (0)

well, I don't think this is going to work....... - sm anonymous 13:21:18 2/23/2003 (6)

It sounds like your DH wants out of the marriage...period. - Losing the house is just an excuse. What a jerk! 17:33:31 3/08/2003 (0)

Won't he have to live somewhere, married or not? What's he gonna - m 12:10:19 2/26/2003 (0)

I am so sorry; I am still holding out hope something can be done-sm - Vicki 08:44:13 2/26/2003 (0)

Remind DH...for better or for worse. You're just in one of those "for worse" times. nm - Remind him of his vows 18:52:08 2/23/2003 (1)

He knows his vows. He doesn't care - when the going gets tough, most wimp out! - BTDT 15:46:39 2/24/2003 (0)

My sympathies to you, BUT...if this man doesn't love you enough to - BTDT 17:28:50 2/23/2003 (0)

Has anyone heard of GVC Mortgage. Thinking of refinancing; have an offer from them. sm - just me 16:37:54 2/20/2003 (8)

Re: Has anyone heard of GVC Mortgage. Thinking of refinancing; have an offer from them. sm - My Name 15:50:33 12/10/2003 (0)

Re: Has anyone heard of GVC Mortgage. Thinking of refinancing; have an offer from them. sm - NL 16:18:14 11/17/2003 (6)

Re: Has anyone heard of GVC Mortgage. Thinking of refinancing; have an offer from them. sm - John Tibbs 19:03:28 11/23/2003 (4)

Re: Has anyone heard of GVC Mortgage. Thinking of refinancing; have an offer from them. sm - joe 20:46:09 4/20/2004 (0)

Re: Has anyone heard of GVC Mortgage. Thinking of refinancing; have an offer from them. sm - JJ 20:20:41 4/20/2004 (0)

Re: Has anyone heard of GVC Mortgage. Thinking of refinancing; have an offer from them. sm - Joan Gangemi 15:11:25 12/22/2003 (1)

Re: Has anyone heard of GVC Mortgage. Thinking of refinancing; have an offer from them. sm - Deb Pena 15:29:05 8/31/2004 (0)

Re: Has anyone heard of GVC Mortgage. Thinking of refinancing; have an offer from them. sm - John Tibbs 19:02:47 11/23/2003 (0)

Fixed home equity loan vs line of credit? SM - happy 09:17:02 2/18/2003 (2)

Fixed rates just protect you if interest rates go up. Guess you - Celina 21:44:49 2/19/2003 (0)

For one thing, the HELOC gives you an open option of drawing money - IMO 10:29:11 2/18/2003 (0)

Regarding remodel: Quick question. - m 13:59:21 2/15/2003 (4)

Thanks to you all for your valuable input. Points well taken, notes made. - m 09:57:09 2/18/2003 (0)

We got a firm commitment from the bank up to a certain amnt SM - Gengar 10:07:52 2/17/2003 (1)

Good point. Yes, don't let any of the bidders know you have - sm 11:50:15 2/17/2003 (0)

Get some bids first. You might be surprised at the cost of some things. - sm 01:20:38 2/16/2003 (0)

Has anyone tried one of those seminar/book/CD on getting out of debt? sm - Anon 10:34:04 2/13/2003 (6)

Also check out bankrate.com. They have a lot of good information and debt repayment calculators. nm - Kel C 16:20:23 2/16/2003 (0)

Don't waste your money.....The standard for .... - SM 11:22:28 2/13/2003 (4)

No disrespect intended, just info: "ATM machine" is redundant. - Lots of people do this 10:11:59 2/18/2003 (1)

P.S. You make excellent points. - nm 10:12:46 2/18/2003 (0)

Great ideas and I can add another tip to this - sm 13:05:43 2/13/2003 (1)

I'm trying this this year for the first time. nm - Shirley 14:58:25 2/13/2003 (0)

Auto Repo - K 21:24:35 2/10/2003 (7)

Re: Auto Repo - Matthew Williams 16:39:52 9/11/2003 (0)

Re: Auto Repo - Snafu 05:57:58 3/01/2003 (0)

Try to find somebody to take over the payments. (sm) - Just make sure they can afford it! 11:59:25 2/12/2003 (3)

Re: Try to find somebody to take over the payments. (sm) - Thomas 19:40:37 9/08/2003 (0)

Re: Try to find somebody to take over the payments. (sm) - K 20:47:35 2/12/2003 (1)

Re: Try to find somebody to take over the payments. (sm) - Zak 11:07:40 2/13/2003 (0)

Don't do it if there's any way possible..... - See message 22:36:23 2/10/2003 (0)

another update - sm anonymous 18:17:59 2/10/2003 (3)

That is wonderful news. I am very happy for you....sm - BTDT 14:08:27 2/11/2003 (0)

To anonymous: That couldn't be more wonderful news. I am-sm - Vicki 07:20:35 2/11/2003 (1)

Hi again, anonymous: I made an error when I posted to you-sm - Vicki 07:21:48 2/11/2003 (0)

Anybody completed a chapter 13? - Chapter 13er 00:25:56 2/09/2003 (7)

I can answer this - BTDT - sm 15:47:21 2/09/2003 (6)

P.S. As for the order in which things are paid off - sm 15:56:11 2/09/2003 (5)

We too plan to pay it to the.... - Original poster 00:12:42 2/10/2003 (1)

Keep on going--You're one third of the way there--Wow--Way to go! :) - Vicki 07:12:33 2/10/2003 (0)

Though I have never been bankrupt, and am not a part of this-sm - Vicki 17:15:00 2/09/2003 (2)

Thanks Vicki. You know, neither one of us would have ever dreamed that - sm 20:01:47 2/09/2003 (1)

Well, I applaud you. :) - Vicki 07:11:23 2/10/2003 (0)

An update... - sm anonymous 10:53:58 2/06/2003 (5)

I have a friend who was in a similar situation-- in helping her with - Not personally-- 16:23:07 2/06/2003 (1)

Yrs ago, we tried calling lender w/this problem. They said to - beg to differ 17:12:19 2/06/2003 (0)

BTW, on another note, re: your husband--does he get any-sm - Vicki 12:19:09 2/06/2003 (0)

I haven't been through anything like this, but it sounds more hopeful-sm - Vicki 12:15:47 2/06/2003 (1)

Yes, it is sounding better. - sm anonymous 16:16:15 2/06/2003 (0)

can you file BR individually if you are married? nm - anon 18:12:20 2/05/2003 (3)

What's BR? Thanks. - ; 19:29:47 2/05/2003 (1)

The only thing I can guess is bankruptcy (BK). - nm 21:43:17 2/05/2003 (0)

Yes, you can but it puts the SO at *SIGNIFICANT* risk. - nm 19:26:52 2/05/2003 (0)

Please say a prayer for me everybody...I'm going to be on the phone all - sm anonymous 10:09:25 2/05/2003 (7)

Re: Please say a prayer for me - Fallon Marie Panzke 20:37:30 12/23/2003 (0)

I feel so bad for you, but it sounds like you're strong--Keep the faith-sm - v 19:28:56 2/05/2003 (0)

From someone who has been down the chpt 13 road with - sm 18:03:13 2/05/2003 (0)

Let them take the house. It's only a house. Plus - m 12:17:37 2/05/2003 (0)

I will sure keep you in my prayers and thoughts... we went through a - BTDT 11:24:03 2/05/2003 (2)

Your credit standing should have no bearing on your children's ability to get credit. - sm 18:08:36 2/05/2003 (0)

Thank you so much for your kind words...I'm waiting to hear back from the mortgage - sm anonymous 13:44:03 2/05/2003 (0)

Taxes - sd 14:17:25 1/31/2003 (3)

Are you IC or employee? - nm 20:09:40 1/31/2003 (2)

Employee but work at home. - sd 11:21:50 2/01/2003 (1)

Well, you should check with your tax consultant, but anything that has to do (sm) - To name just a few 12:30:10 2/01/2003 (0)

Question on credit scores. - sm 12:23:42 1/29/2003 (2)

It's FICO and I'm thinkin' around 600 would be their 'C' grade. sm - Probably 08:35:43 2/01/2003 (0)

If you are in California, the lender has to give you a copy - sm 01:42:21 1/30/2003 (0)

Anyone have any idea what the current interest rate - sm 00:57:13 1/25/2003 (1)

You can sorta check the interest rate at www.bankrate.com. - nm 08:27:25 1/25/2003 (0)

hi - nameless 12:57:10 1/23/2003 (2)

I'm very sorry this happened to you; please don't beat yourself up about-sm - Vicki 22:28:18 1/24/2003 (0)

Sorry to hear it. sm - sublime 14:11:29 1/23/2003 (0)

Anyone been to Las Vegas on a tight budget? sm - SJSJ 06:08:41 1/23/2003 (2)

Las Vegas = Cheap Eating! You won't have any trouble at all finding - cheap meals. The buffets are almost giveaways. 07:34:25 1/24/2003 (0)

I think that sm - sublime 14:09:20 1/23/2003 (0)

Real estate question. Any help appreciated. Please sm. - Are we equityless? 16:11:00 1/13/2003 (20)

You can get even more than your equity these days. They're called 125 loans - which are value plus 25%. 17:57:59 1/15/2003 (2)

This concept just seems wrong. - nm 12:25:34 1/16/2003 (1)

Yea, doesn't seem smart, but neither are 25,000 limits on credit cards, which - are commonplace these days. 22:40:21 1/18/2003 (0)

Don't know if this will help, but sm - sublime 13:30:39 1/14/2003 (4)

Thanks, sublime. I may just call them. I've seen their commercials. - are we equityless? 15:16:57 1/14/2003 (3)

Be sure to read ALL the fine print in Ditech loans. nm - Just a warning! 07:10:18 1/20/2003 (2)

Just curious...what might someone find in the fine print that would be of concern? nm - Just ref-fi'd but not w/ Ditech 15:57:58 1/22/2003 (1)

I don't know this from a personal point of view, but I have a friend who - sm 20:14:16 1/22/2003 (0)

The current appraisal minus what you owe on it is what they - sm 19:16:14 1/13/2003 (9)

Sorry, but that's just not right. Better interest rates are gained - No not exactly........... 08:46:16 1/15/2003 (7)

One thing to remember, though, about HeLOCs is that they carry - sm 07:06:08 1/27/2003 (0)

Is a HeLOC the best way to go though with someone with - less-than-perfect credit? nm 13:36:57 1/19/2003 (3)

Not sure if you mean as an original loan, or loan on equity???? - sm 07:09:01 1/20/2003 (2)

I ask because - sm 16:13:32 1/22/2003 (1)

Well, my experience has been this. - sm 20:12:41 1/22/2003 (0)

What the heck's a HeLOC? - nm 11:58:17 1/15/2003 (1)

Home equity line of credit. nm - flygirl 12:29:19 1/15/2003 (0)

Thanks for your input. Seems like maybe we should wait awhile. . . - are we equityless? 11:20:49 1/14/2003 (0)

Depends on how recent your last appraisal was done. You say the value has - Maybe, but.... 16:42:36 1/13/2003 (1)

House across street, same flr plan, not maintained as well, sold for $142K. - are we equityless? 17:05:53 1/13/2003 (0)

Laundry Puzzler - KiMT 02:24:28 1/10/2003 (0)

Saw interesting show on hair care products (sm) - backwoods mama 21:42:57 1/08/2003 (1)

Here's another hair care product secret - sm 15:15:47 1/09/2003 (0)

Really trying to cut household expenses this year, any ideas on..sm - Need ideas 12:13:34 1/04/2003 (41)

Re: Really trying to cut household expenses this year, any ideas on..sm - Penny Pincher 14:08:44 1/11/2003 (0)

I don't have any hints, but must say I am so impressed at the great ideas SM - Not Thrifty 20:58:41 1/07/2003 (0)

A few thoughts, please see msg. - sm 17:53:42 1/07/2003 (14)

Re: A few thoughts, please see msg. - ADAKU OFFOR 10:13:08 12/05/2003 (0)

WOW, thank all of you for your wonderful input. I am feeling great about..sm - need ideas 10:00:48 1/11/2003 (0)

Wow - you are an inspiration!! Thanks for sharing. - Dolphin 10:11:44 1/08/2003 (0)

Excellent post!! Thank you...blather any time!! ?? about pizza sm - Cool! 09:49:51 1/08/2003 (0)

I agree with all you said except one thing sm - jus my 2cent 07:03:33 1/08/2003 (0)

I bought a high-efficiency washing machine but am disappointed. The clothes don't come out clean - Kel C 00:11:55 1/08/2003 (6)

More on the washing machine. I do use liquid detergent but how much is too much? - Kel C 09:34:07 1/13/2003 (2)

Kel C, is it a Maytag? sm - Gengar 10:44:56 1/14/2003 (1)

It's a Whirlpool Calypso. I'm trying some experiments now w/less detergent - Kel C 17:10:29 1/14/2003 (0)

What about a liquid laundry detergent? Have you tried that? nm - chris 13:30:04 1/08/2003 (0)

I was thinking too much detergent too or: SM - Gengar 10:02:32 1/08/2003 (0)

I'm thinking the white stuff might be due to too much detergent. nm - just a thought 09:44:28 1/08/2003 (0)

Oops -- sorry it got so long -- I didn't mean to blather on...... - nm 17:59:05 1/07/2003 (1)

You should write a 'how-to' book...sm - Gengar 06:05:54 1/08/2003 (0)

Are there any expenses you could get rid of like cable or cell phone- sm - KristiA 15:21:14 1/07/2003 (1)

Another idea- sm - KristiA 00:31:01 1/08/2003 (0)

Oh, I just read your post more closely. Your area won't double coupons - you - xx 15:43:46 1/06/2003 (0)

It's easy to cut back on the grocery bill. Use coupons and - xx 15:34:12 1/06/2003 (0)

Boy, in reading below, there are some great ideas here. SM - Gengar 11:40:12 1/06/2003 (0)

Hi: You can get bread products/baked goods at the day old or surplus-sm - Vicki 08:45:46 1/06/2003 (13)

Question about freezing bread: Doesn't it get soggy when it thaws - xx 11:35:54 1/12/2003 (5)

Re: Question about freezing banana bread: - maria 07:30:58 12/17/2003 (1)

Re: Question about freezing banana bread: - tammy jones 22:41:40 8/03/2005 (0)

I don't have a problem with frozen bread. However, if you have --sm - peke 17:50:02 1/12/2003 (2)

Thanks. I will try it! I'm thinking I will - xx 09:44:47 1/13/2003 (1)

Make sure you re-use those Ziplock bags so you don't waste money-:) nm - Vicki 10:33:21 1/13/2003 (0)

Vicki, have you ever heard of Shorelink? This saves me a lot of --sm - peke 22:13:40 1/06/2003 (4)

I haven't heard of them, but I'll check them out; sounds like a good deal-Thanks-:) nm - Vicki 19:40:44 1/08/2003 (0)

Hey I'm from the ES!! What parts are you from? nm - Me 07:10:13 1/08/2003 (2)

I'm from Ridgely. Where are you located? - peke 18:08:18 1/08/2003 (1)

I'm from Parksley,Va! nm - me 08:39:46 2/01/2003 (0)

I, too, am a big fan of the surplus bread stores. Very seldom buy bread in regular store. - peke 22:10:12 1/06/2003 (1)

I come from a family of five children. We had one of those really-sm - Vicki 19:44:27 1/08/2003 (0)

I, too, stock up when stuff is on sale. I usually don't have to buy--sm - peke 20:18:11 1/05/2003 (0)

Here are a couple links that help - sm 18:42:47 1/04/2003 (0)

You probably already do most of these but I will give a few of my tips. sm - Dolphin 17:05:34 1/04/2003 (0)

I find my garden is my most useful tool in cutting costs. We eat most of our produce (sm - Mo 15:34:18 1/04/2003 (1)

Oops - meant lazy not lady. nm - Mo 15:35:33 1/04/2003 (0)

Thanks for getting this board going again, Sublime-nm - Vicki 00:55:24 1/04/2003 (0)

I think I have tested most of these sm - sublime again 21:09:05 1/03/2003 (2)

The Midwest MTs link needs to be changed. sm - Surfchick 21:43:13 1/03/2003 (1)

Thanks, got it! =) nm - sublime 22:49:56 1/03/2003 (0)

First post, testing board. =) nm - sublime 20:58:12 1/03/2003 (0)

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