You let credit get bad before house sale.
Posted By: nm on 2007-05-23
In Reply to: Actually - maam1
s
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If OP hadnt been lax with credit, house sale would not be
h
About earnest money on sale of house
I am due to sell a home and the realtor has $5,000.00 he says he has put in escrow. i have asked him this question but no answer so thought I would send it out this way and see if others have had similar issue. I am thinking this money is like a down payment and if so I would just as soon wait until the closing to get that. My realtor said if the purchaser pulled away, then it would be my money. My relative is so worried that i should get the money right away which, like I said above, can just wait as closing early part of July. Anyone have any insight into this? Should I have the money up front, is it not a downpayment?? Thanks.
Why does closing a credit card account negatively affect your credit report
Especially when I never use it anyway, and really never wanted it?
With all the bank rearranging going on in the past few months, one of my accounts was tranferred to Bank of America. I was sent new cards and a new agreement, new interest rate etc...
So I called them up and cancelled but before they did, I had to listen to a spiel about how this would negatively affect my credit report.
Huh?? Why is that?
Need help with ideas for remodeling house and decorating. We bought a house
in fair condition about 10 years ago, got into some medical problems, and have just now paid off the mortgage. Hubby and I agreed we would do nothing to the house for remodeling because we wanted to pay it off first, then the medical bills. I need to know of some websites/magazines/books to start researching for how to go about this. These will be major repairs - roof, septic, basement, windows, pretty much everything except wiring. Where do we start? Maybe hire a general contractor just to do an evaluation and give us recommendations? Hubby is a handyman but cant seem to get a handle on where to begin. We would like to do as much of the work ourselves as possible - labor of love and all that...
Thanks for any and all kind suggestions!
2 For 1 Sale
 I understand completely. My husband is disabled so he is here with me 24/7. Drives me crazy some days. Yes I do believe husband's can be more difficult than children!
At my last sale...
20 - $1
12 - 0.25
4 - $5
2 - $10
I nearly always get them on sale --
and I usually pay around $10 or so for some really good quality shoes. Yes, I said $10.00. Sometimes I have gotten $120.00 shoes for $20. At the end of July and beginning of August is the best time for these great sales. When I find one I usually get 2 or more pair if I find what I like. Then I am good for about another few years. But for knocking around the house I usually get cheapo sneakers at Walmart. Now, for serious walking or jogging I usually end up paying about $80.00 (on sale) for a really good walking shoe.
I don't buy anything unless it is on SALE now!
toy box I got at a garage sale
I saw what I thought would make a great little wood toybox but when I looked closer it had The Budwiser Clydesdales engraved on it. It is in great shape, only a few scratches but nothing major. I paid $20 for it. I had saw it and described it to dh on the phone and he doesn't think I should put that in the girls room. (5 and 18 months). So I bought it and put it in the hallway with some toys stacked on top. You have to look close to see it. Am I terrible to use that for a toy box. Dh doesn't think it is a good idea. As already stated, you can barely see it and I thought it would be a great way to get to get some toys off the floor. Maybe when I find a better one I can sale that at my garage sale.
yard sale
It's not junk.....They're treasures! Trying to gear up, wash, tag and display it all is quite a task....But, you'll have cleaned out your garage and/or storage unit, enriched someone else's life with your old treasures and made a neat profit.
ps-.Watch out for the earlybirds in their fancy cars,,,,they're ruthless. Cat
at a yard sale
met my fiance when my daughter and his niece were having a yard sale in his front yard - they called me to come and bring them blizzards from DQ - they had a feeling we would hit it off - been together ever since - almost 4 years. .
Having my first ever yard sale..
//
JC Penney sale
I'm always pleasantly surprised at the sales I run across on purses (pocketbooks/bags, whatever you prefer) at JC Penney. The last time I got the cutest smallish lime green leather bag for $12. This time I found a very streamlined Relic bag in a brown pattern on sale for $23. It's a little bigger and has all the features I look for, like multiple pockets, a divider that is attached at the bottom of the bag to control what goes where, a phone pocket, the right length straps to carry from my hand or put over my shoulder.
I can't understand how so many stores think I'm going to pay $70 for a purse that's not even leather! Not going to happen.
sell the sale
As you are shoving the leftovers in the fridge say,
"Amazing sale on turkeys at such and such, you should go get one!"
at a yard sale! nm
x
For Sale on Walmart 4 for $3.
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Garage Sale Advice.
We are having a garage sale this weekend and I need any advice that you have to give. What things do you like to see or things that you absolutely hate. What time do you hit the roads? Do you look for signs or newspaper ads? Thanks for any tips.
Had our neighborhood yard sale on Sat.
and while one Mom had her back turned her daughter sold a $118 Lee Middleton doll for $2. Guess the person knew what a find they had becuase they high-tailed it out of the neighborhood. What a rotten person!
Don't yard sale the Bakelite.
Bakelite is very popular and expensive to buy (unless things have changed in the last year). My husband got $500 for 4 bracelets and 2 pins.
There is a way to test the items without harming them using an everyday household product, but I can't remember what it is...I know, no help. Maybe you can Google and find it.
Yard sale, need pricing help
I have some paint by number pictures that I do not want to keep (these are the ones already painted.) These are the old ones, probably from the 50s. I had heard these were sorta collector items but has anyone sold or bought any of these and if so, what is a good price to put on them for my community yard sale coming up? Thanks.
Community Yard Sale
I posted earlier on here about ideas about having yard sale. Someone said for early birds to put sign out saying everything before 8 double the price. Well, that sounds good but in reality one of the first about 7:30 this morning before all set out got indignant that I would have a sign out like that, stating she had been to sooo many sales before and did I want to sell or not? Not was basically my answer. I did this because I had never been involved in my community yard sale but it was so much effort and very little return. I even had a Hispanic ask me would I mind if he used the bathroom in my backyard- told him someone back there and besides that my neighbors would mind. My community has high end homes and besides that, there are laws against things like that. Oh well, live and learn.
Whatever sale item is most important to you
start there...early. Sale ads from Wednesday night's or Thursday morning's newspapers should tell you the store hours and sale hours. Many end at 11am. My dd and I like to go about an hour after stores open, though it's still dark outside. The crowds that were waiting in line overnight for the big ticket items are gone by then, and most everyone else avoids the stores until the afternoon hours, thinking they will be less crowded. Wrong they are though. There are more employees on duty early rather than later, so things move more quickly in the morning hours. We've also found the earlier crowds to be friendlier. DD starts singing Christmas carols while standing in line and soon lots of others join in. She's a blast to shop with. Then we go to a late breakfast and go home before the unfriendly crowds show up. Hope your experience is an enjoyable one.
Start with what's on sale and build from there ... sm
1. Stick to from-scratch meals when you can as opposed to anything packaged and/or processed.
2. Bake bread from scratch, too, rather than buy, if you can, or at least pick up some of the frozen loaves of dough and bake 'em, which is usually still considerably cheaper.
3. Potatoes (unless you load 'em down with something fattening or need to avoid starches for some reason) are generally pretty cheap, as are eggs, various types of pasta, chopped frozen vegetables. When I'm in "conservation mode," I tend to make a lot of macaroni salads, potato salads, egg salads, etc., either as standalones or as sandwich fillings (and if you stick to low- or no-fat dressings, sour creams, salsas, etc., you can stay reasonably healthy).
4. Cereal (both hot and cold) and milk, if you buy wisely for both price and nutrition, are usually a reasonably cheap meal, as well.
I'm sure you know all this, but just brainstorming. But definitely try to take advantage of what's on sale and incorporate that when you can.
walmart has a good one on sale for $398 starts from 11/5 to 11/15. nm
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Yard sale tomorrow - how much change?
Hi, everybody, happy TGIF.
I'm having a yard sale tomorrow and hoping to raise a decent amount of $ to help buy a wheelchair accessible van for my DH. My question is this: How much change would you think I should have available and in what sorts of denominations? Most stuff will be under $10 but there will be a few higher priced items.
Thanks !
Shelby
Reading about yard sale below and my question
is- I have some costume jewelry that belonged to my mother. I have probably 30 to 40 necklaces, earrings, pins and then I have some bracelets. The question is about the bracelets. I believe they could be, am thinking the name is Lucite ? but perhaps there is another name for them, sorta plastic type but these are probably from the 50s. I would like to find if they are of any value because I sure would hate to sell for a nominal fee only to find out they are more expensive. I have shared a lot of this jewelry with friends, inlaws but I do not wear most of this and it just has sat here for years. BTW, I am having my house keeper to be here with a second set of eyes for just the things mentioned below (sticky fingers and the like). Any suggestions about a successful sale? I have loads of things.
Having community wide yard sale and
had it not been for this post I probably would not have checked my bracelets out. This was posted last week but I thought some that replied might be interested to know it was exactly like they thought, more expensive than just the average and collectable.
We also had a community yard sale this weekend.
I've done this three other times in the 23 years that I've lived here. Every time was way more hassle then it was worth. For me, the point of my yard sales has never been to make cash. Rather, I'm just trying to clear clutter. And people who come to a yard sale can be soooo rude and pushy. They'll want to haggle over something that costs 50 cents! This time, I put everything out and told my home-from-college son to run the sale. He could keep the money. It was worth it to him, but I won't ever do it again. I spent so much time getting the stuff together and getting it ready and tagged. I could have done something more enjoyable with my precious time!
Next time I want to clear clutter, I'm tossing and donating. No more selling!
I am hating all stores with anything for sale on line!!! sm
Went to Target.com to order a bunch of dolls and stuff to go with it and web site stated all was in stock and would ship in 1-2 business days. I ordered this for my daughters birthday in September. I placed my order August 2nd and only got one doll in time for her September 30th birthday!!! I emailed and called to complain about offering merchandise and not having it available. Never got anywhere with them..except a bunch of email replys from someone outside of the US!!!
Went to Toys R Us.com to place a huge Christmas order. I had a coupon for $50.00 off my order if I ordered a certain amount of merchandise and I also had free S&H. Got a call from my credit card stating someone at Toys R Us used my card to order a bunch of stuff for themselves.
From now on shopping only in stores with CASH!!!
Whatever's on sale & unscented. Scented makes me itch! (nm)
..
Goody's oftentimes puts Dockers on sale for 50% off...sm
If you don't have a store near you, you can register on-line and they'll alert you to the sales that include internet orders.
finally....a sale that coincides with my purse being full. LOL
nm.
They are doing an early Black Friday sale now online!
There is a website that shows all the Black Friday ads and also shows which ones are online now, or will be on Friday. Most stores are doing the same sales online now.
Just Google black friday info
Last week, bananas were on sale for 39 cents per pound.
x
Husband for sale - harder to work with him home than the grandkids. (sm)
He is cleaning our furnace and muttering, muttering, hollering where is this, I bet I have got up and went in there 4 times this morning to just have him mutter never mind I found it.
You gotta love them, but he of all people should know my money comes from my butt being in that chair.
If the lady had this doll at a yard sale, apparently it didn't mean that much to her. sm
and maybe the mom said to her daughter that anything at the yard sale is for sale at any price - she just wants to get rid of it. You shouldn't judge unless you know all the facts.
Yeah, I meant fresh stuff when I said on sale, but didn't .... sm
...finish my thought (a common problem in Chuckville).
Now that I finally have closed on the house (just a month ago) I have a huge yard in which to put in a garden this year (or whenever I get the energy, at least, which may be the 12th of Never the way I'm feeling today, but can't be until about mid May with our short growing season here).
Speaking of lettuce, the local (and only one for about 35 miles in any direction) grocery store here had iceberg lettuce for $3.95 a head the year before last. I kid you not. I coulda plotzed.
Our local holiday bazaars always have hand-made Girls outfits for sale. Check
s
credit
My girlfriend did use the service. It worked great for them. It also put all their payments in one. The only thing is you need to watch what "items" you put under the service because it will keep you from purchasing items for so many years.
credit
I have used Consumer's Credit Counseling Services locally. They were wonderful to me. Put me on a generous budget, put all my bills under one payment (had to cut up all credit cards - which was a blessing and freedom after I got used to it), cut the credit card interests way-way-down or to none, and finally got everything paid. At first there was no charge from them, but later I paid $5 a visit, but I imagine they have surely put a low charge now. They were pretty strict with me (which I needed), but it worked. They were always accessible to talk with, which I really liked too. Also it was nice to refer callers to them, saying, "I am a client of CCCS and they are helping me" and not have to deal with the callers any more. In fact, after they were notified of intent to pay by CCCS they never called again.
Good luck. It meant freedom to me.
credit
I did hear that credit counseling is reported to the credit bureaus, but so are late payments, over-limits, missed payments, etc., etc. so ultimately I don't imagine it could ding your credit score any worse.
credit
I don't know the answer to that. We have only bought cars and a house on credit since then. Be sure to talk to the credit counselor before signing up and find out. They will know.
Credit card (SM)
There was information about credit cards and interest rates going around late last year/early this year. Basically, from what I understand with the new bankruptcy law this was attached to it. The credit card companies can and will charge you and me whatever interest rate they want to, and the only thing we can do is cancel the card and pay off the balance. There were these little inserts with your statements that many of us just throw away and never think about it. But I did read the ones that were sent with several of my statements, and I kindly told them to keep my rate where it was and I canceled the card. Sad but true. 
NO more credit cards
I had a credit card with a high balance. I got a second mortage to pay it off. I called the credit card and got the payoff balance and my bank sent a check to them. I kept watching on line to make sure they got it and when they did I noticed that there was a $95 credit. So, I called and said how do I get my money back. They sent me a check and when I got it, I called and closed the account. This was about two weeks ago. Today I get a statement from them with a balance due of $45! Huh??? I called and they keep telling me it is a finance charge. I got pretty steamed and finally ended up saying that I would pay it, but no more. Well, I wrote out the check and put in in the mailbox, but I'm still stewing about this. If I still owed them money, why did they send me a credit?? What is the finance charge on if I had a credit balance? I suppose I will just pay it because they will only keep tacking on even more charges, but it is really bugging me. Has anyone else had any experience with this??
I will say one thing - NO MORE CREDIT CARDS EVER EVER EVER. REALLY. I mean it this time.
About my credit card
I owed close to $10,000.00 about 2 months ago on my credit card and called to make sure I sent the right amount as paying it off. After I paid in full, they also sent a "finance charge" for around 35 to 40 dollars. I paid that but have discontinued using that card. I have another card, used during Christmas, interest about half of the other one and getting that paid off before long also, just sent $500.00 towards that yesterday. I on the first had asked for payoff amount but the finance not there when I asked.
Our credit was very shakey (sm)
when we bought our house 6 years ago and we have now (both husband and I) been ICs in this biz for 11 years. As an IC you are supposed to work for different companies according to the IRS so you could really jam yourself up if you got a letter like that from your current company. Personally - I would refuse and find another mortgage company. I had a very young and inexperienced mortgage person when we refinanced our house through a credit union - it was literally a nightmare - I don't have the time anymore! If you have good credit move on and find someone who appreciates your business
ruined credit????
Went to work for a company about five years ago. The pay was EXCELLENT, however, they paid me "when they got around to it." Now my credit is so terrible I can hardly qualify for a home loan!!! Has anyone else experienced this problem???? Still suffering after having quit four years ago!!!!!
Sorry to say, but you have proven yourself a bad credit
x
Not the only way, my credit just restored on its own
after years of not having as posted below, went and had a clean slate just as if no credit at all in my life, went from bankruptcy to nothing bad about me, nothing! I did learn how to be responsible after that time though, now have excellent credit rating.
Credit for your daughter
As DW stated, federal loans are given to students - have her go to financial aid office/web site of school and see what she needs to do to apply for them.
Does your daughter have a credit card? Yeah, I know, scary thought, but the sooner they can establish good credit, the better off you all are. My son has a card for college students from Citi Bank. He's had it since senior year of high school and I tell him to use it for EVERYTHING. Gas, pizza, books at school, etc. He keeps track (amazingly) and pays the card off every month so he never gets charged interest. His bill is usually for under $50.
He's been having problems with his cell phone, it's already been fixed once, yet the same problem keeps happening. The contract for the phone was up last week which means he could get a new phone for next to nothing provided he renew for another two years. I told him I'd buy him he new phone for a Christmas present. I've been paying his cell bill of $45/month for years. He wanted text messaging added to his plan. I told him I will only pay the $45, he can pay the difference if he wants to text his friends because NWIHAIPFI so he can ask his BFF what time they can meet for lunch when he could just call the dude and leave a message if he isn't there! Well, a two-year commitment with the phone company would bring us to 6 months AFTER he graduates from college and he could be in Madagascar by then for all I know with the cell bill still coming to me. I asked the cell phone company if the contract can go in my son's name. They told me no, because his credit rating as a student wouldn't qualify him. I asked them to check anyway. They did, the woman was shocked, he was approved, and now he has a new contract with text messaging for $10 more and the bill goes to him! I'll deposit $45 in his checking acct every month and he can write the check.
This is partial payback for the night I had to spend in a battleship with 400+ other Cub Scouts and their fathers when my son was little. Hot dogs and beans was the dinner. Need I say more? Bunks stacked 5 high with me on the top bunk and hot air rises. He will owe me for that for many years to come.
I think its credit cards...
The newspaper had an article the day after Christmas how people are defaulting on their credit cards all over the place. This added to the mortgage companies having problems with people unable to pay their balloon payments and the bad housing market, price of gas is sure to lead (the article said) to a recession.
When I was shopping I saw all the people with tons of things in their carts, DVD players, computers, etc. on Christmas eve. This was regular people at Walmart. I saw a lot of credit cards flashed around. Paying minimum payment will cause Christmas to cost tons more and they will be paying beyond the item's life which they purchased.
We went through this. We tried to sell our house, rented to own another and went broke in 3 months. After we had 2 house, fell back on credit cards the interest piled up and it was terrible! We moved back and are on a budget. So, I shopped without credit this year, and you know what? I had more fun. And I have 3 kids. Their things were simpler than the fancy things they got last year. The most expensive things we got were bikes because they are growing and we got those on sale. The rest were creative items. I am not saying that what we did is so great. What I am saying is that peeople are not looking at the big picture these days and if they do not use cash (as we had not in the past), they may not be able to pay their debt if hard times fall. In the meantime, grandpa sent my son 100 bucks, which I let him spend on a train set (I should not have let him do that he is 7) and he cried that his money was all gone and he did not want the train set anymore. I bet if I had him save some of it and had him buy simpler things, well I bet he would not have been crying. At least at age 7 he is learning that money is not easy to come by. And he is learning the hard way because I will not give him more money to replace what he spent. Sorry such a long message. It is just that we did not even afford an XBox, and I wanted a Wii myself, but we avoided all of that because in the end we learned that Christmas is not about credit cards, the junk it buys. I think the end of the cartoon the Grinch where the Who people did not even care about the presents was correct. Maybe we'd be happy with less things and more love. I don't know. This was not meant to be a sermon forgive me. We all have to learn what Christmas means to us and I say let people do what they want, consequences are always result of actions anyway. Just IMO. Happy New Year everyone!
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