Would you also want your income taxed at the 40% rate?

• did anybody that saw SiCKO feel - like we are a third world country compared to
  • He does bring up some good points, but - - missy
    • well of course they have paid for it in other ways. - I think luxuries should be taxed. The rich should
      • You need to move to a socialist company because that is what you are. Unfortunately, you sm - FYI
      • Would you also want your income taxed at the 40% rate? - think about it
  • I like Michael Moore, but health care SM - nnnnn
    • Do you know that about Cuba from first-hand experience? - sm
      • Yes I have. I have talked to many people who recently arrived. - None happy with the healthcare.
        • Then they can get right back on their tires and rafts and float on back to Cuba! nm - tired of people complaing about the USA - love it
          • Pertaining to health care in Cuba, which poster - spoke so glowingly about.
      • wow that's wonderful. Maybe if we can get a dem in office - things will be more like that here. thanks for sha
        • Are you kidding me? - huh?
        • I hope a Democrat is elected, however, Cuba is a - communist country and would not like that here.

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we would have to clean ours every month. Taking a shower now is like getting rained on by rocks. We go through a hot water tank every 5 years. Doggonit! Guess I have to wait until we can get either a new well or a water softening system first. <sigh>

If any payments were late (or missed), the rate could have gone up astronomically for the OP.  They may well have gone up and up.  It's probably in the fine print of the card agreement that that will happen automatically with late payments. 

And I have heard financial experts say that it's not a good idea to call and cancel a card if you still have a balance on the card, because then you have no way to negotiate with them.  Though it doesn't sound like any negotiating was able to happen in this case, you're supposed to keep asking for the person's supervisor (and their supervisor, if necessay), and be persistent, until you get to talk to someone who can help you with lowering the rate and maybe waiving some of the fees.

Then I would apply for another card with a lower rate (and make darn sure you don't make any payments late or miss any payments!) and transfer that WA MU balance over (and ask if they can wave the transfer fee when you apply for the new card).

BTW, I recently applied for a credit card with WA MU because the offer was for 0% interest for 15 months on balance transfers, and the person was definitely in India.  Every time I interruped him to ask him a question, it was like he then had to start over reading his "script" but I could understand him. 

I asked if he could wave the balance transfer fee, and he said he was unable to do that.  I didn't persist or ask to speak to his supervisor, but I should have.  According to the experts, the time to negotiate is before they have your business.  After they  have you as a customer, they aren't so interested!

I have to ask - what are you spending the money on?  Rent is the first thing you should pay, then food, and then transportation.  If you are worried about paying credit cards first, or some other debt, you are cutting your own throat. 

I would advise you to do some looking at Dave Ramsey.  He has several excellent books, available usually from the local library. 

Also, as for the husband, sit down with him and talk to him - I don't know if you have done this or not, but his playing the video games may be a way for him to escape.  If he has always been responsible in the past, then his irresponsibility now is probably a defense mechanism. 

You both need to step back and take the emotion out of it.  If you are not able to do that, the situation is not going to improve.  You both have to show commitment to making the relationship work, even on so little money. 

If you have a pastor or some sort of mentor/advisor, that might be a good place to start, once you have talked to your husband.  A neutral party who can look at the situation from all sides can help. 

Good luck, from someone in similar shoes.

HC

but you would never know it by our lifestyle. We don't need to impress anyone or put ourselves in debt for material things that depreciate the minute you walk out of store with it or drive it off the lot. Americans need to SAVE money, a concept that has been long lost through the generations.

I am a self-employed IC and have purchased 4 homes in 4 different states as a single person.  I was able to obtain a Stated Income Mortgage based on my credit, rather than my W2.  No tax info was used, needed or requested.  I guess, if your income is needed along with your husband's to qualify for a loan, then you would need the W2 info.  But as a single person you can obtain a home loan based on your credit and not your tax info.  Also, if you don't have enough for a down payment, you can take out a "second" against the house you are purchasing to finance your downpayment.  You will have a short-term payment for the downpayment and your 30 yr note on the home.  I was also able to obtain very low interest rates based on my credit rating.

Good luck, I did have to provide extra documents when I purchased one home with my exhusband.