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Talking about:
5 posts
1,382 visits

lookin for advice

maharog started this conversation
Jul 23, 2009

Hi everyone,my name is Roger,I made some mistakes and bad decisions and judgement in my past,and it cost me,I now have bad credit and am in need of advice and help.I am on social security disability,I get paid 1650/month and my wife and I would like to buy a different home or refinance our house.The house we live in needs some work and some improvements,we need our gas turned back on,we need new stove(oven quit workin),we also would like to pay all our debt on credit report.We cant get a improvement loan and have that monthly payment on top of our other payments.by getting new home or refinancing,we can do the above mentioned things and have our property tax and insurance all in 1 monthly payment,I really hope someone can help me or tell me someone that can,I am workin towards makin a better life for my family.we also have started sellin avon,and I know if I can get this house improved or get into another house,and get all things mentioned done with one monthly payment,our lives will improve,our business will grow,and as we prosper,it is truly our goal to help others in need do the same.

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duvexy
Oct 2, 2011
http://www.freecycle.org/
I use freecycle.org at the top in the search bar put your city info there and click search. You can join that site for you local community where people are giving stuff away.
duvexy
I don't kow much about refinancing etc, but if it were me I would pay off what I owe first a little at a time before I start new projects. That is me though. I hear you though. I have bad credit too.
reply to duvexy
jenn0729
Nov 16, 2009

I don't have any advice on the improvement loans unfortunately. But I will say that sometimes if you search the pennysaver or craigslist you can find people that have stoves and other appliances on there that are in great shape but they have just upgrades. This may help just to get you some working ones or better ones cosmetically. Also another great home business if your doing Avon is Melaleuca. I have been involved for a few months and love it. They are a health/wellness company and you only pay for what your actually using for your household each month...there is no business kits or inventory you have to buy to do the business part. If your a customer and love the products and get out there and promote them to people you can make a great income doing in. I love that the products are safe..non toxic and eco friendly and once you help a customer set up their initial order than they do it themselves online month after month. So that is helpful because you are not having to collect money, stock pile stuff that you don't have room for or deliver to people. I have a friend that does Avon and likes it but she did get really burned recently by a customer that placed a big order....it went through and she delivered product but a few months later it was found out it was a fraud charge through the credit card and she is having to pay back the $600 order plus another couple of hundred that she had made on commissions that month at the time of the order. So be careful!! Hope the info is helpful..good luck!!

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peace3
Nov 3, 2009
reply to peace3
Nursec2
Oct 4, 2009

I hope you are doing well and I have hope for you.  This just gets worse and worse when things just snowball.  I wish you all the best and I will keep you in my prayers. Hopefully you did get some good advice and info and I will keep up my hopes that I will too.

reply to Nursec2