Are your finances under control or do you feel like you're drowning in debt?
Man any more debt and i swear im gunna have a whole ocean lol :(
Debt sucks. I used to always have $5000 in the bank just incase and I would put away $500 every month and I only made about $25,000. I also had a house. Then I got in a relationship with someone who loved to blow money. Every month he'd blow all the money and I would then be forced to use my Visa to pay the bills. He put me in over $7500 worth of debt and I have no money left in the bank. I know that doesn't seem like much but even that amount is hard to pay off. I am no longer with him and even though I used to be very good with money it is extreamly hard to get out of that hole, especially as single mother. But I know that I am smart and one day I will be back to where I was.
I just watched the March 2 episode of "Til Debt Do Us Part". I find these programs quite informative and educational. On this latest episode Gale advised the couple to invest the money they were saving at 7%. This seems like more than a pretty healthy return. It would be truly helpful if Gale told us where we could earn such a nice return safely.
I was laid off my job six weeks after upsizing my home. I didn't really need a bigger house, I wanted my dream home.I was forturnate to have an offer that day. However, my pay has dropped substantially. I find myself every month getting deeper and deeper in debt just trying to stay afloat.In a perfect world, I'd sell my house and payoff all of my debt. This would still give me enough for a downpayment on a smaller home. However, rates are too high and values have dropped. I don't know what to do
It would be great if Gale could do a show for singles to help them out!
Totally agree, Gale should do a show for singles who are so far in debt that they live with their parents again, in their 30's!!!
The hardest lesson to learn is that you do not need to keep up with the "Jones", they may have the fancy house, 3 cars and all the toys...but they are also swimming in debt...if you learn that early enough...youll be so much futher in ahead...trust me...I learned the hard way and still am paying for it
I'm a single parent and a university student.Im not trying to keep up to the Jones' I'm trying to get an education so that I will one day be able to contribute to my son's education. But I am sinking further into debt with student loans (plus I have a car loan, credit card debt and a mortgage)and even month to month I never have enough to pay all my bills. I don't have poor spending habits - in fact I sometimes can't even buy things we need, but living is expensive!!) If I take some time off school it only prolongs my getting a good job. I don't know what to do!!
I am also in my early thirties, single, working two jobs and struggling with debt and because one job is commission based having trouble keeping debt down long enough to get a motgage.. I would love to see a show for singles as well!!
I always here Gail saying you should get a second job to pay down the debt. But when you do you get hit by taxes at the end of the year. What to do? You get the job pay bills but then taxes and your in debt again.
I agree with the above, a show for singles. My son is paid $17/hour and only has $640 expense of rent and car payment, utilities, etc But he is living pay to pay with no savings, and sometimes cannot pay his rent (to us). He does not have anything to show for his lack of money...has two credit cards already, not huge amounts owing but am afraid that it will build. Plus he will never have anything or go anywhere if he cannot figure out how to save. He is only 23, but it is time he figured it out.
Hello, I'm a single Dad trying to give my child a good life.I have a good job, a home and custody of my child. I had to sell my car and get a less expensive one, I sold my motorcycle in order to cut down on my debt so I would not loose my home. I'm good with all that, I just don't know if I am going in the right direction or not. Is there any chance of meeting the host of the show, Till Debt Do Us Part, I don't need to be on tv, I really need HELP with my finances going forward. I will pay for her time with me. Please could you ASK her if she will do it, the future of my child depends on it. Thank you so very much. Dad in need
I don't know why so many people are asking to see a show for singles...she's had a couple of episodes already that showcased single people and the strategy is the same whether you are in a relationship or going it alone. Know what you're making and what your fixed expenses are. Play with the variables. Cut back buying "stuff". Put money into savings. Recommended percentages are 35% for housing, 25% for life, 15% for travel, 15% for debt repayment and 10% for SAVINGS (very important). You can make your budget yourself, put yourself on the jar system, whatever you want to take from the show you can do it alone or with your partner if you have one. The name of the show is "Til Debt do WE Part" and is meant to be a relationship rescuer as well.
my bad..."til debt do US part"...
I just paid off 20K in debt with another 18k to go - not including my mortgage. It certainly was no easy task, but darn it, it sure feels goooood!. I'm also a regular viewer of TDDUP - I just wish the shows could be longer - maybe show more detail about how Gail works out their debt repayment plan. Sometimes I try to run the numbers she says but my calculations never seem to match hers. Has anyone else ever wondered about this?? Just a thought.
I have been living with debt for 3 years now. About 30,000 worth of consumer debt. I have 2 consolidation loans and have affordable payments- I make 18.31/hr and still in debt. The economy is not what it used to be. The more you make, the more gets taken away from you!!
Hey everybody, im a 20 year old pre-service firefighter graduate and im in debt with more than $30,000.00 with 2 credit cards, a personal line of credit, osap, and i was taken to court for $10,000.00 and lost. so i know your all hurting but whenever your hurting just try and think of me and hopefully it will give you a little bit of comfort in knowing you dont have as much as i do.
Sorry justin, but I just wrote that I have 30,000.00 like you............We get ourselves into these messes and I'm trying to get out!! Are you??
Here's a suggestion for a future show.Have Gail re-visit some of the families she has worked with to see how they are managing today.
I just noticed the advertisement banner is for the lotto. Doesn't Gail advise to never buy lotto tickets?Keep working on paying that debt. My husband and I have been working it for four years now and we will be debt-free, RRSP/TFSA maxed within one year. Within two we think we can be mortgage free.We live within our means and never take on new debt. We had to replace his 94 car and paid cash for an 05, unlike our friends who bought a $40,000 truck on their LOC for her, and she doesn't have a job!Work it and you will succeed.
I am a single lady,was living cheque to cheque, a few yrs ago my income changed and i kept going into debt , a yr and 1/2 ago , 3 choises were sell my house but that wouldn't clear my debt,or claim bankrupsy and loose it all, or find another job on top of the one i had, i chose to find a second job, well i dug my way out working 65 hrs a week but am still living cheque to cheque and burned out, so now its tax time i made too much money and i have to pay $4,135.00 back , i will have to get into more debt to pay that , so when does it end?
I feel like I'm drowning in debt. I use to think I was smart with my money, and always had saved up for my dreams of travelling, I was confidence in myself, and never really thought much bout how I look. I thought I looked great at the time. Then one day, I had met my ex-bf who was nice to me at first, and asked me to move in with him, after a few months.. he changed, and constantly told me that i was too fat, and also went behind my back, and took money out of my visa every week until i was $10,000.00 in debt.. when I found out it was too late, and he left me saying that I owed him that money for living at his apartment (which was not true, since I pay half the rent every month not including grocery, hydro, and HIS television bills!!)... leaving me with over $10,000.00 credit card debt which charges me 18% interest each month, broken heart, and I had lost all of my self confidence.
Awwww 1babeegurl, sounds like you got the sh** end of the stick. Sometimes if you try talking to your creditors they can reduce your monthly interest rate. Also, have you tried getting your 10,000.00 into a debt consolidation? You can get a way better and manageable interest rate and payment. You actually are paying more than you should be by keeping the credit debt on your visa. I had my interest rate lowered because they talked me into lowering my visa limit once I consolidated and also lowered my overdraft proctection to $300. I have 20,000 more debt thatn you do.
I,ve been a single parent for 10 years and did everytthing to keep the house I bought from my ex. Both of them graduated from high school and my eldest is graduating from a 4 year accounting program and already has a job lined up with a good income. My other one is still looking for herself but is actually doing well. I married 2 years ago and after buying my kids each a car so they can move on,I,m now working for myself and my husband. \our debt is aroung $25000. But with the kids out of the way I feel that with the jars and the plan on living on cash \I'll see it through.
I watch the show all the time and try to get tips to get myself out of debt. Last night I cried as I watched the show, Im so deep in debt and feel I will never get out even though I work 2 FT jobs and have a family .I compare myself to the shows . I realy wish I could figure out the way gail help figure out the budget oor that there were some tools to do it on her cause I REALLY NEED HELP the numbers scare me !!!!!
I agree with all of you. Gail should do a show for single individuals. I live on my own. Have over 20,000 in OSAP, owe 8,000 in a line of credit and have over 5,000 in credit cards. I can barely afford rent every month working my part time job and going to school full time. Creditors are calling me everyday. Something has got to give. I don't know what to do!
We love the show and would really love to be a part of it. Unfortunately, we live in the Okanagan (British Columbia), where the economy is really bad....it would be nice to be elegible for Gail's help out West!
I would love for Gail to come to NS. We have four children and both work full time and struggle to make ends meet. We had financial disaster middle of last year and are trying to bounce back. Our kids and our relationship has taken a serious strain! I am a huge fan of Tll Debt Do Us Part and watch it as often as I can! Gail - if you are reading this, we need your help!!!
If you're wondering how it all seems to works out for Gail but not on for you. Got to her website. She has a lot of useful info there as well as the spreadsheets to work it all out. It is great! I tried it and I now have a plan that I can live with. Good luck.
Gail's strategies are tough, but they make sense. In fact, I think they're the only way..... I have a great apartment with a very high rent. I chose this location when I had a permanent full time job. Last fall I quit that job for another, but the new company was not at all what I had understood it to be. I ended up quitting on the spot and taking a part time retail position elsewhere while I continued my job search. Needless to say, the recession hit and it sure hasn't been easy.... Because I wasn't making half the money I was at my full time job, I had to resort to credit cards. Obviously, the debt mounted. Currently, I work 3 part time jobs and I still don't make as much money as I did. I've learnt to live a LOT more frugally and have decided to no longer use my credit card. With every pay, I put as much towards it as possible. I wish I could be putting it towards savings, but as Gail says: if you owe money, then it's not yours to invest. It's been a very tough struggle but I do believe with hard work and discipline, we can all get ourselves out of the hole we've dug.
I too have had my share of debt, 40K not including my mortgage. Now that amount is 19K between a small car loan and a line of credit that got maxed out (and eventualy cancelled) after my husband was out of work for a year. I remember having sleepless nights, waking at all hours with my heart racing from worry. My every waking moment was spent trying to figure out ways to pay off debt. I was consumed by it, especially checking out web sites, blogs etc about debt reduction - reading everything I could. I must say that the only thing that has really worked for me is forced savings. I know, 'how can you save when you have no money'? I just did it, atomatic payroll deductions to canada savings bonds which I did not touch for absolutely ANY reason. This forced me to live on a reduced income. While I did this I even ended up having my power shut off and my phone disconnected twice - each time my hubby and I just figured out ways to come up with some money (and some convincing talk) to get the stuff turned back on. All the while I kept saving the money, despite the bills - which helped me feel a bit better. Then when I felt I had a sufficient amount I threw the whole lot on debt at once. It felt good. I paid off over 20K in the past couple of years. I still have debt (even a 1400 overdue power bill- which I worked out with the utility to pay off in small increments so I can continue my saving - which has moved into hoarding now :o ) . This year I am saving even more b/c of reducing my debt. This may not work for everyone - but this has been the ONLY thing that has worked for me - it sort of forces you to live on a tight budget. We will be debt free (excluding mortgage) in about 1 - 1.6 years.
its nice to see other people in debt other than me lol.but with the lot of you in debt of very low amounts(10,000,25,000) and one with a mortgage.how about ppl in debt so big it could buy a small house?and this isnt debt from stuff.its from unpaid bills from previous gas,hydro,water,cable and phone.plus cash advances and child support.i have a plan but it will never work with the money we currently get.(yes my husband and i plus 2 kids) we both get unemployment and no light at the end of the tunnel.we cant go on the show cuz we dont make enough money for everything the great gail does:( we're drowning in 90,000+ debt.in unpaid bills i have described and credit councelling nor bankruptcy will touch any of the most expensive debt.lost and need help or suggestions.
There is a great book that just came out by a Canadian author. It is "Lessons from the Depression, eliminating Debt the Old-fashioned Way" by Darlene Gudrie Butts. Go to lessonsfromthedepression.net. It is a simple story jam-packed full of life-changing solutions. You can beat debt...read the book.
I am so frustrated. My husband and I were both recently laid off, with barely any notice. We have five children and a house with a huge mortgage ($229,000). We can't just sell the house...We built it ourselves and it isn't "completed" - it would cost too much to complete, so as a result we would not get what it is worth. We also have $30,000 in line of credit/credit card debt. I don't know what we are going to do. I can get free part time child care from my parents but I would have to pay $1000 per month for full time child care, and with my university degree, I have yet to find even a full time job that I would qualify for, that would pay more than $12 per hour. My husband would have to go back across the country and live apart from us in order to get another job. It is out of the question for us to move there, unfortunately. Are we doomed?????
I love watching Till Debt due us Part but don't understand how simple it appears on tv to make larger debt repayments and be out of debt in 2 or 3 years, where is this extra money coming from? I barely make ends meet each month and wish I could figure out this magic formula.
I always make sure I watch the show when ever I can and PVR the show whenever I cant be there to watch it. I am a person who always thinks about being in debt. Ive seen too many family members and friends get into trouble with money, to go down that road. I have to admit it is really easy to get into debt, and to not think about where your money goes. I am 27 and have not saved anything really for the future. I am thinking I should start now, even with a RRSP of $25 a pay cheque. Its such a small amount you wont even know its gone. I would think of it as one case of beer a month or one less night of pizza. Heck you could spend $5 on a cup of coffee. Watching this show motivates me to save so I dont get into trouble.Thanks Gale ps you should do a British Columbia Episode every once in a while.
People do not despair! There really are ways of saving money. My family is almost mortgage free, drive 2 new cars and own a cabin at a lake outright. The key is careful planning and the jars. You know how much you have and that's it. It makes you think before you spend and that is the whole purpose of Gails show. She is showing you that you have to put your priorities in order and work with them. If you use a coupon for a 1.00, that is one dollar that you never have to pay back on a credit card. Shop from grocery flyers- my rule is that if it isn't on sale, you just don't buy it. If is is on sale, stock up. If you watch carefully you will start learning the frequencies of a stores sales.Another thing I do is shop at garage sales and online sales. I get kids brand new, name brand clothing and toys for 1.00 or less. People just want to get rid of it, and I will happily take it off their hands for 1/30th of what they paid. online used websites are just the same. One final thing that everyone should do is clean their clutter. It is money just sitting there if you dont use it. Not only that but it is such a good feeling to see it go. Sell it on an online website- you would be shocked at how quickly it adds up. Best of luck- I know you can do it. The more you save, the more you will be hooked!!
Oh- one more thing. Pay with cash. THis way it hurts to pass it over. i guarantee that passing over 80.00 cash is much different than using debit or credit card. It makes you think twice before you spend it. Just think- forking over 60.00 for a family meal out hurts much more when you use cash instead of plastic.Gail- do a show on people that use your principles and are living without the gloom of debt over their heads.
I totally can feel your pain, Single Parent student. Its rough. Student loans collections are relentless - credit cards and consumer debt all total 80K for me, and I just turned 30. I live cheque to cheque and I have a well paying job. Raising a child alone, and school and work can make hair go gray quickly. How does one get out of a hole that gets bigger each month interest accrues.. Gail do a show for single ppl. I'll be the 1st to sign up.
I was a single mother making my way in life just fine. I may not had alot of money but i had money. I meet a man and now married with 2 kids and so far in debt that we are drowning. With 2 kids and a husband that is laid off and won't get off his butt to look for work what am I to do. I try to do the debt planners and all that with him. But he always says money is there to spend not save.
hi i am 22 going on 23 an i am debt . there was one time that i did not have this card that made me in debt but i have a mom who was in debt and i have card and then it turned into six .i lose my job in feb and would like to know what i can do .or if there is some help out there
I am not bad dealing with money, however, I could do better with some professional help.
I LOVE Gail's show, and would love to see her do an episode on budget basics...how to divide up the pie, etc. I never know what category things like diapers or shampoo go in. We are starting to get some debt after years of doing fine and we'd just like to get back to no debt.
I'm a budget consultant for both personal & businesses. If you need help with this matter I could be of some assistance to you. This would be my way of giving back, one person or business at a time. I'll be there for the encouragement and I will till you as it is. I'm very up front and to the point.
Sorry, send me an email @ email@example.com
i watch the show all the time. i was wonder at what percentages goes Gale put in the jars for weekly spending. does it depend what you are making. thank you
Hi Gail, I am a widow.I wrote you on comment.Do you have to be an american citizen in order to qualify.I have been a widow for four years.I dont want to be I on television.I am a canadian citizen.I am in debt 30,000 dollars or maybe more. I am right now going through a battle about my house.I hired a lawyer to help with this case. I am working partime full time.I have no crdit cards and I am making very minimale money.It is very hard.Please write back to me.My e-mail is firstname.lastname@example.org or email@example.comWaiting to hear from you.Thank youLada Doucette
I sent in an application for the show, but received a response that slice is canceling the show. This is very sad because my husband and I are in a serious amount of debt. Between the two of us, we have about 90,000 dollars in debt. We both have student loans and credit cards, and now with the arrival of our 6 month old, we will be in more debt than we can even imagine. I don't know what to do, and it's very scary knowing that we have so much debt, but no idea how to pay it down. I really hope that slice reconsiders canceling the show.
Hi Gail,I wish that you would do a show about real women in trouble financially and not prima donnas! I know that you are trying to make a tv show that has bling or that sells but come on, $300 jeans they deserve the debt but how about us women who from no fault of their own have become laid off and drowning in debt. Seriously I should have such problems!
The economy has been effected across the country, it would be especially nice if Gail did a few shows out west where the good guys who have been working in the oilpatch and are now laid off due to the downturn can figure a way to manage. My husband was single until he was 45, he saved regularly and when he got laid off, we used his savings and had to take out some of th RRSP's he had put away while we waited for EI to kick in (almost 3 months of waiting). If that wasn't enough, we found out that a lot of the savings are locked in and not accessible until he is at least 55 and even then the taxes will be too high to withdraw them...we would love to pay off our debts $35000 consumer and be able to last this out, but it looks more like we will end up loseing the house and declaring bankruptcy, where is the justice in that?
My husband and i are both 23 and have a huge debt issue. My husband went from making $23/hr as a carpenter, in the union, at PTI Travco. To making $16/hr as a mechanic after being layed off only 3wks after our daughter was born. She is now 9mnths old and we're on the verge of loosing our trailer, loosing the car. And his work truck. We have consumer debt over 20K, a mortgage left owning 43K. We have resorted to using our line of credit which is almost maxed out, to pay missed mortgage payments, which by the way happens every month. We were declined for a consalidation loan not once but twice. My husband was out of work for 3mnths. Maybe if the govermentpayed out more money in EI, alot of us wouldnt be as screwed as we are. We really need help, i don't wanna looses everything we worked so hard for.I want Ally to be able to have anything she needs and right now that has become very hard to imagin.
My husband and I make fairly good money. We both have issues with spending! We have taken on a debt consolidation loan not once, but TWICE. Now we owe almost 10k in loans alone, not to mention the two credit cards that are MAXED out again....We are almost 100k in debt in total, and we are only 28. We both feel that if we earn the money, we have the right to buy what we want to "treat" ourselves. We NEED help budgeting...
Im soooo broke its never funny! I owe the government for my OSAP my bf owes the government for his OSAP and i owe phone bills, utilities, etc. and i have no money to pay it with! When i do get paid its like i have a spending problem because in like 3 days they are gone!
I so agree! Gail you should do a show that features single parents. I went from a well paying job in one province to moving across the country to follow my spouse for his job. Then, we split, and I am in debt with 2 kids. I have gone back to school, which has also increased my debt.I love your show and have tried some of your suggestions like cutting up my credit cards, but when your income is low, how do you keep from sinking!?
I watch the show but I have trouble understanding how you come up with the percentage you assess to pay down debt and what to live on,and how you shrink payments to fit the income when it would not be enough to pay the creditors in the first place.What is the formula you use
I am a financial guide that specializes in teaching people about how money actually works. Unfortunately we get absolutely no useful information in school about how to handle money, how debt actually works, or how to set up a real budget.What I do is help people with the reality of life. There are options. There is help. You can get out of debt and start saving so you can have a future.I am licensed and working out west (AB and BC) so if you want help looking over your situation, coming up with solutions, and setting up a real budget you can stick to CONTACT ME.firstname.lastname@example.org(403) 257-6354
I love Gail's show and have structured my budget around her advice. Now I'm advising my fiancee on his budget and helping him see where his money goes. We can learn alot from our parents and grandparents. "If you want it, save for it" I recently bought a classic car that I'm restoring, but it's going to take a few years, as I refuse to go into debt for it. That'll make it all the sweeter when I get it on the road...vroom vroom! Thanks Gail, please stay on the air...we are learning.
I love my Fiance to pieces but I wish that he would just stop picking up new hobbies such as golf, hockey, video games, etc. He tells me to find new hobbies for myself but I find that I have no money to do so. We're planning our wedding but he won't stop his spending habits. He makes double the amount I do so he feels he should be able to spend money. I feel I am always broke because we're always throwing money back into our consumer debt and but theres always something that comes up and we land back into it. I make it sound like it's all his fault but I know I am an enabler otherwise we wouldn't be in this mess!
I have no sympathy for so-called Single Mothers. If you can't afford a good life with the kids, for heaven's sake surrender the kids to an adoption agency, or, if there is an ex husband, send the kiddies to him. Let HIM deal with the hassles, and keep them. Bet his new girlfriend would love that. In the meantime you have your single life back. Ahh the life.
First off, I really hope that the show is not cancelled, I'm just learning to live off of the jars and it's great, watching the show keeps me motivated. For your own budget sheet, go to Gail's website:http://www.gailvazoxlade.com/articles/article31.htmFinally, if you are complaining because you are with a man who is lazy or spends too much and doesn't want to work with you towards a solution, you have two choices.... decide you want to stay with him, and suck it up, stop complaining, you made the decision to be with him, you can't be angry at the consequences... or two, Leave. The resentment it causes will likely ruin your relationship anyways, so if he doesn't want to change and you can't accept it, your best choice, hard as it is, may be to leave before you do drown in your debt... and then it will literally be "til debt do us part"
I been on my own for the last four years. I took out loans figuring I could pay them down in a year with the salary I made. Economy hit and I lost my job. I can barely make ends meet and it is so depressing. I'm currently 12 grand in debt. 7k car loan and 5k personal. I have surgery coming up in Jan and will probably owe 4k on top of my current debt . I went from a stellar credit score and zero debt. to being well over my head. I'm currently looking for a room mate so that I can head back to college. Which will add even more . Sigh is there any end?
well lets see, 24, living on my own, family lives about 3.5 - 4 hrs away, i make below poverty level (after taxes around 20K a year); Debt, it currently amounts to around 18,000. By living within my means and sticking closely to my budget i have money left over to help put towards my debt, AND save whatever i can towards school (heading back come January - it's either stay where i am at for the rest of my life [which is a min. wage job that goes no where] or ... go back to school so i can ADVANCE in life,... I have chose the route to go back to school) Yeah I will take on more debt, but it's what is going to get me out of it in the long run. I'm not only looking at the short term (crazy money crunching and being a starving student) but knowing that i have a goal , and it is to be more established and working with the government, it is the big picture i am looking at - having a real job where i am actually financially stable AND paying off debt. (In these days they both go hand in hand for at least some time during an individuals life. (Unless you're born into the riches - but yet they don't learn the value of things)Also there is the good debt (believe it or not) and the bad. Education I believe is a good one, as it is an investment in your future. So its not something someone should f* around with, do your homework, study, ace the assignments (or close to it), work for what you want, don't expect it to just land in your laps without having to lift a finger. Life is work, work is life! Money may make the world go round, but it certainly does not make people happy, whether having it or not.I just try to enjoy life with the simpler things, and getting back to basics.Yeah I was bad before with credit, but i;ve learned, and i'm working my way out of it.
Til Debt Do Us Part mostly shows the 'couple'. I think Gal should show a 'family' show. There are family with older kids with messed up + retired parents. I am in one of those families where the working children have to pay for the parents' debts (or the result of their debts- say household bills). Why are we born? Because we have to pay for their debts + feed them. We will end up in our 30s, 40s or 50s with nothing (dreams, house or saving) but parents' bills or support their everyday life. Canadian government doesn't help with debt payment to elder retired citizen.
I am 24 years old and 62 grand in debt. I have 2 cosigned loans, osap and credit cards! i think my best option is to claim bankruptcy but i dont think i can because my loans are cosigned and gov't. anyone else in the similar situation?
I just give up, we have remorgaged 3 times and line of credit is maxed and credit card is maxed. When I die it will get paid off and my kids will have nothing. Hubby doesn't care, just keeps playing with the money, He has Muscular Dystrophy and just sits & watches tv when at home. We watch Til Debt do us part but it doesn't sink in.
Shirley, you wrote:"I have no sympathy for so-called Single Mothers. If you can't afford a good life with the kids, for heaven's sake surrender the kids to an adoption agency, or, if there is an ex husband, send the kiddies to him. Let HIM deal with the hassles, and keep them. Bet his new girlfriend would love that. In the meantime you have your single life back. Ahh the life." Are you that F*d up that you honestly think we would surrender our kids???? And what kind of impact do you think dumping the kids on their dad would have on them, and on us? We are mothers - life is permanently changed when you have kids. I think you're quite a cruel person and I'm glad I don't know ANYBODY whose like you. You sound pretty shallow and self-centered. Ah you poor empty soul.
I WOULDLOVE TO HAVE GAIL HELP GUIDE MY WIFE AND I TO FINANCIAL HEALTH. WE MAKE ABOUT 85,000/YR BETWEEN US BUT HAVE NO IDEA WHERE TO START AND HOW TO FINISH THIS PROCESS OF DEBT STRUCTURE. WE WOULD PAY GAIL A FEE TO TEACH US THE RIGHT WAY OF DOING THINGS AND DON'T WANT NO GIFT IN THE END.THE GIFT WOULD BE HER HELP. I AM ADDICTED TO HER SHOW AND TAPE IT ON MY PVR. THERES $25/MNTH I COULD SAVE BUT THERE ARE SO MANY THINGS TO COMPREHEND WE DO NOT KNOW WHERE TO START. PLZ HELP US GAIL
My husband and I have put ourselves through school and have never recovered we went from student loans to credit cards to lines of credits. It never seems to end we now have a house and 2 children. We have been trying to follow advise Gail gives to others on the show but have not got anywhere. We would love to have her work with us on how to fix things so we can get out of debt we do not want our children to end up like we are. I struggle with how to fix this everyday. Please consider taking some time out of your very busy schedule to help us change our foolish ways and help teach our children the right way to do things.
I have lived with debt for so long it's now hereditary
just wondering im making out my budget is there a magic number for a familly of 4 how much should we spend on food a week
Like Gail says, "Money's not rocket science".By the time I graduate with my postgraduate degree, I'll be 60k in student debt, at the age of 26. But it's for education, and I came to have that debt not because I went shopping and blew it all away on clothes, makeup and eating out, but because after 7 years of school and $15k tuition per year for the last 3 years, this is what it's like to have to pay for your whole education yourself.And by the way, as a FT professional student, I'm still bringing in 20k+ per year working student summer jobs and throughout the year and scoring awards. So although school is costing me a total (tuition and living expenses) of 25k per year, I'm only scraping just over 3k in debt per year these last 3 years.If you strip yourself of everything but the necessities, you can dig yourself out of the hole in most instances. You just have to have the discipline. Small amounts add up.If you multiply the amount you owe by the interest rate (e.g. $60,000 at 3% = 60,000x0.03=$1,800), it will give you the amount of interest you are paying on your loan. That is the amount you have to pay every year just to keep the amount of debt you have steady. Anything below that and the debt will grow. The idea is to put as much against the loan above and beyond the interest amount as you possibly can.If you owe $3000, and the interest rate is 18%, you're paying $540 in interest, which breaks down to $45 per month. So, if you're making monthly payments of $46 towards that debt, you'll virtually never see it paid off, because only $1 of it goes towards paying off the debt the first month, only $1.02 goes towards the principal (the original debt) the second month, and so on.So sit down with a piece of paper and a pen, and do the calculations. And if you can't do them yourself or get confused, go to your bank and have a financial advisor work through it with you :)
@Dennis3:You'll probably need to consider whether anyone in your family has any special needs (diabetic, or allergies or sensitivities) as these can sometimes mean having to buy special products which may cost a premium. Also - how much meet, if any, will your family consume (meat tends to be pricier than other sources of protein). In addition, you may want to consider the ages of your children - are any of them still on formula, babyfood, or still young enough that the amount of food the take in is reduced?My personal guess (and I'm no expert) is that a family of 4 can live on about $600 per month comfortably, but that it's possible to reduce it to near $100/week (or $400/month).If it's any help, I buy only for myself (1 person on a student budget) and I buy basics (bread, milk, fruits, meats and veggies - nothing prepackaged or premade) and I can manage on $150 per month for myself alone.If I try really hard, I can maybe get it down near $110. This month, I'm challenging myself to live on only $80 of groceries. You can follow that progress here if interested: www.freedom45plan.blogspot.com.Cheers! :)
I am married with two children. I make less than $25, 000 a year. I have absolutely no savings and I would really like to own a house but don't see myself there anytime soon. Instead I see myself drowning in debts.GAIL I NEED YOUR HELP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
OH no SLICE, don't cancel this show. I have taken Gail's advice. It is so important, people need this info. We now live on cash and write down everything we spend even 3.00$ for parking or a coffee. It is so helpful! I was hoping to buy the new 2010 guide advertized on the show, Written by Gail
I'm not in debt. Not even a mortgage, since my ex bought my half of our former house, and I now live in a rented appartment. I only use my credit card when I have no other way to pay, such as buying online, and pay the full balance each month. My husband, however, has a 12K student loan. He pays around 2 or 3 times the monthly minimum payment, which is the right thing to do. At least this debt was for an education, not "stuff".
My fiancee and I are finally figuring things out. In the process we have to give back our brand new truck of only two years, but it will be worth it. We do not have a huge amount of debt, it was just that I could not stop spending. I am finding out that we do not need all the nice things. For example on Valentines Day we spent a total of $15 for 6 people. It was nice to not have to spend that much and my parents and brother all liked their gifts, so did I and our son and my fiancee. Pay day is coming and the jars have come out. I finally get to stick to something concrete as Gails budget works really good. As a family of three we are able to get by with only $552 a month of groceries and we still have a little one in diapers. We are just stating our journey but thanks to this show, it makes it that much easier.
As has been posted several times, and as I thought once again today whilst watching a couple of episodes today, GAIL .. PLEASE DO SOME SHOWS FOR SINGLE PEOPLE!!! And where do I find the Life Planner that is advertised on the show ... apparently it's on this site but I haven't been able to locate it yet. Have bought your book, but it would be helpful to have some video/audio to go with it - I learn faster that way! Keep up the great lessons!
Wow. There is so many of us on here! Top this guys, try being in $60,000 in debt and only making $30,000 per year. It's all because of student loans, credit cards, and medical bills and I haven't even tried to pay it off, yet. It's my own fault. I just wish I knew where to start. People say to start by paying off the lowest amount of debt that you have and then work your way up to the largest debt. I don't even know how to save! I wish I came from a family that was great with money and appreciated it, and not just spend it every single chance they got on stupid materialistic crap! Dad is a "functioning" alcoholic, so that's where the spending comes from. My life sucks. :*(
Gail I watched your show everyday and loved it. I am a mother of 2 recently unemployed try to get into school for second career but they are giving me a hard time. I only make $602.00 for unemployment every 2 weeks. I paid all the bills including car loan and credit counselling. My common law husband makes almost $6000.00 a month he pays car insurance the mortgage and child support and groceries. I ask him to help me build up a savings but just ignoring me. Please help me how to convinced him to help set aside savings.
I am always in over draft and I just can't get out of credit card debt. total is $5,000 owing and with the am't I make each pay day one would think I could pay this off no problem. I can't, it just sits there even with bi weekly payments on it. Of course I have other bills and a car payment but owing on a credit card is just too stressful. I need some guidance....
Help me! I'm a single mother of 2. I need help learning how to pay my credit card bills.
I really like your show, would love to know how to get out of debt and quick my husband is unemployed, I have 3 wonderful children we live in a 2 bedroom apartment and really would like to buy a house, but with our debt we can't save for a down payment, so very stressed, working at walmart isn't cutting it neither is ei and that runs out soon. thank you signed sincerly stressed out
We invested in an education for me and knew we were going to go in debt for it. My family and I were ready for it and expected it. I finished and am working at my old job again while planning the new business. I am making the same amount of money but the debt is double. Unfortunately my partner is still spending money and making plans for trips knowing full well I am not making any more money to pay these down any faster. I am seeking help from a company cause I see no real light. Interest rates are also starting to increase so that does not bode well for my home LOC. I try and try to get the message across but it does not. I'm almost done.
We have been married 30 years. Over the last 30 years there have been many financial struggles. I just thought that by now we would be done doing that. My husband had his own company for 13 yrs, we sold out, he went to work as a consultant in the oil patch making great cash. We thought this would be easier on him as he got older and we were planning retirement. Today I told he we need to plan for bankruptcy! How do things go so bad???
...up to the eyeballs. Mostly due to taxes... my husband is self employed and in one year went from a $200 refund to having to pay $10,000 in taxes...that was 18 years ago and its done nothing but snowball. We are still digging out from under, but in 3 years we'll be mortgage free and can start taking that money and using it to pay off the credit cards, loans and lines of credit...
does Gail help young adults, my son is done school and currently lives at home can you please talk to him before he ends down a long road of bad situations and bankruptcies
My husband is self-employed and for 6 months of the year its good but in the winter it is really difficult and we just keep getting further and further behind.
Its hard dealing with debt when your stomach is growling because you havn't eaten today (or purchased food in the last 2 weeks). How much should/does the average family of 3 spend on food. (pregnant mom/ dad/ Preschooler). This had been the hardest part for me trying to figure out a monthly budget.
I love how Gail gets the people to create their own budgets. It's like watching a female version of my father. One thing that I have found helpful (thanks to my father) is that I give to a charity 10% of my take home pay. When I get stressed out about my finances, I have to remember that it's not really mine to begin with, and give 10% of my take home pay. It seems like a lot, but when you do it either biweekly or once a month... it really isn't a lot. It's just nice to think outside of yourself.
I am drowning in debt and in lies.I have two credit cards which are to the max 12,800 for one and another 650.00.I about to get married in 5.5 months and my fiance does not know of this. I was in debt before and it ruined out relationship to the fact we almost broke up. I took on a second job to help me get through and it did but my family I never seen them for the year I was working.I am now in more debt then ever. I cant sleep at night I m sad, depressed angry and I hate my self.I dont know where to start. oh and on top of that I have an over draft of 1000.00 too and no savings. I am a wreck
I am desperate, i have not had my period for more than three months all because i found out that i owed close to 8 thousand dollars in debt. I dont know where to start,i am stock and my hair is starting to fall out. I was hoping that Gaile was on Line to help me. How to pay the debt down. I have a full time job making 48k a year and still dont have anymoney in the bank. SOME PLEASE HELP ME
I used my line of credit to support my 12 month shopping habit. First I used my line of credit to buy stuff for moving out. Then my bf and I broke up... so I used it as therpy. I now owe $12,000!!!! :( Help! I need a show for single people who live on their own with a starter job so I can use it as an example to help me get out of my problem!
I've moved to Canada less than 3 years ago and I'm already over my head in debts. I owe $5000+ on my student loan, maxed out 2 credit cards which equals to $3,700 and I'm about to start another course which adds up to $6000+ per year for 4 years. I am not a shopholic. I don't shop what I don't need. But due to school, paying my bills and helping out at home I'm deep in debts. I was helping to pay the mortgage when my dad lost his job, we held on to the house for 1 year but had to let go. BTW I have a part-time on campus job that adds up to $400+ per month. My reason for coming to Canada was for an opportunity for a better life.
Hi.I've been married for 10 years. In 2003 I got a divorce. I was left alone with 3 kids and child support was not paid since 2004. I still have the debt for the student loan, my credit cards and car loan. The total of my debts is over 25,000. I often have problems sleeping. I'm always thinking about my kids, the future, what's going to happen. With a part time job, I don't know how I'm going to be able to keep up with this.
I am just digging a bigger hole as I am trying to get out of debt!! I can't get help I feel alone! I am going to lose everything!! nothing I try ever works in trying to get rid of this burdon. Gets to the point I don't eat for days. This is no fun!!
I feel for single mom ready to give up and a parent in need of help. I'm buried in debt with no positive way out. Divorced with an ex husband who feels he should make decisions to pay his retro or not, or even pay his child support at all. An ex boyfriend who not without any fault of mine buried me deeper and broke the promises he made. I am in so much debt that the amount I owe could have been a nice down payment on a house for me and my child. I would love to just make this all go away, but am afraid of where to start. Creditors are calling and I can't pay. I work part time and having a difficult time finding work in this economy. If anyone has advice, I would love anything.
I have a degree and a diploma and no work!!!! WTF!!!! I'm tired of struggling!!! I'm working on a casual basis at 3 different places and I still can't live the life I want to live... My degree is looking pretty useless right now!!
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I agree with one of the posts abouve - I love the show, but I wish there was more details! I recently watched an episode where the couple had $23 000 to pay off, Gail said to calculate the amount to pay take the principle plus the interest and divide by the number of months you want it paid off in. They came up with paying it off in 18 months with just over $600 payments each months. My calulations tell me without even thinking about interest, they would need to pay more than $1000 per month to get it paid in 18 months. Something is missing.
Im a 46 year old mom of 3, My husband has been in dead end jobs for the past 8 years. im an RN ,and i support my family. 2 of my kids are grown, 27 and 24.the oldest is self sufficent. the middle one moves back home on a reg basis, he is planning to file for bnkruptcy, he cant afford to live out of the house, my youngest is only 4 yrs old. my credit cards are near an 18000 balance . my line of credit is at around 6000 and my mortgage ,which i have redone x 2 is at 182000$ , sad thing is i only paid 126000 fo this house. im not making it paycheck to paycheck, my husband has almost 0$ income at this time. i pay bills on time but live in my overdraft HELP PLEASE
Wow, it is amazing how much people are in the hole these days. Why not get free napkins from mcdonalds and starbucks? Free pens at coast capital savings. Free food at various soup kitchens such as the Sikh Temple? Don't wanna pay rent? Why not work as a night security guard and sleep on the job at a low profile site. The pay is low, but at least you are getting something just for sleeping in addition to mitigating rent. You will be debt free in no time this way.
I used to be afraid of watching Gail's shows..because I didnt want to own up to my debts..I now watch religiously and am learning so much...I am now starting to live on cash...at least learning to but I am still a long way from being debt free, but thanks to the shows, I see that I am not alone..there are people in the same boat or even worse off than I am so I am grateful for what I do have and am grateful to Gail's indirect advice to think about wants and not needs. It's amazing how well that works. THANKS GAIL!!!!!! You will hear from me again...when I am close to my goal :)
need a show for family on a fixed income im on ssi and my income whent down 800. a month my bills are 200 more then i make have to get help form my 20 year old every month.:(
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I was laughing after reading some of the comments about singles in their 30's. Gail should absolutely help people like us who still live at home and need help with budgeting. I have a good job and I am so frustrated that I cannot save my money. I was laughing because it is nice to know I am not alone and there are others like me.
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DEAR GAIL I AM IN NEED TO BE ON UR SHOW I NEED HEIP TO PUT MY SELF ON TRACK AGAIN I LIVE WITH MY MOM AND I WONT TO MOVE OUT I HAVE A SON. PLEASE HELP ME I WONT TO BE ON UR SHOW PLEASE
It's sure hard to wake up in the morning knowing that you have a load of money over your head waiting to be cleared. It was only a year ago that I signed the papers for a 5,000 visa card, and a 20,000 dollar student loan. For a year both the visa card and the line of credit went untouched as I only spent my weekly earnings and OSAP paid for school. Unfortunately things changed and I ended up taking less shifts to cope with school, and other expenses began to soar. A year later, I am 23,000 dollars in debt...and counting. This is a nightmare I soon hope to wake up from.
Gail has a great show.It seems many here still need help.I am a self funded retired woman of 51.My husband and I are frugal, and if you want practical help, I can work with you.I don't need to know your name,phone number,or address.We will correspond via emails only.If you are interested, email me at email@example.comLife does not need to be this difficult.You just need to get into the right mindset, and be willing to make changes. A single person should be able to live quite well on $100 month groceries. I have several months of sample menu/recipes/ingredient lists available.Doesn't matter whether you live in USA,Canada,Australia. We currently live part time in Canada and Australia each year.
Gail should do a show for the newly single or divorced. Going from two incomes and nearly debt free to one income and back at square one, especially in your 40's or 50's can seem unsurmountable, making the right decisions and getting back on track quickly is hard. With being closer to retirement than starting a career, financial advice would be great
I am 20 and I have $4000 in debt. Just credit cards, ive paid for school with cash but things other than that (books, emergencies, food ect) started adding up and I cannot afford to live anymore at my crappy serving job. Trying to barely hang on until summer, but still I can't think of anything else and it's going to continue to ruin my life until I've reached zero. I feel so lost :'(
Hello Gail. Could you please, please, please have a show for single parents that are drowning in debt. I am a single parent of three children. I feel as though I will never get ahead financially, and will always living pay to pay each month. You could call your new show, "How debt pulled us apart".
'I need Gayle to come and give myself and my Husband a good old fashion WAKE UP CALL\x21\x21'
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'i currently have more than \x2430,000 in debt from osap and a mounting \x245,000 in credit card debt that i regret so much. i feel stuck and lost. i was hoping to move out of province my the new year, but my debt is terrifying me. i want to follow my dreams but i wouldn\x27t even have a job when i move. my current job pays well but everything is lost in taxes.. i am so upset and stressed. \x3a\x28'
'there seems to be an error i n my message..\x3cbr \x2f\x3e\x3cbr \x2f\x3e30,000 from osap\x3cbr \x2f\x3e5,000 credit card debt'
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'HeLLO all my viwers.Am amazing testimony on a spell caster who brought my wife back to me.. My name is Andy kenneth,i live in Australia,and I\x27m happily married to a lovely and caring wife,with two kids.A very big problem occurred in my family seven months ago,between me and my wife.so terrible that she took the case to court for a divorce.she said that she never wanted to stay with me again,and that she didn\x27t love me anymore.So she packed out of my house and made me and my children passed through severe pain. I tried all my possible means to get her back,after much begging,but all to no avail.and she confirmed it that she has made her decision,and she never wanted to see me again. So on one evening,as i was coming back from work,i met an old friend of mine who asked of my wife.So i explained every thing to her,so she told me that the only way i can get my wife back,is to visit a spell caster,because it has really worked for her too.So i never believed in spell,but i had no other choice,than to follow her advice. Then she gave me the email address of the spell caster whom she visited.dr okogie So the next morning,i sent a mail to the address she gave to me,and the spell caster assured me that i will get my wife back the next day.What an amazing statement\x21\x21 I never believed,so he spoke with me,and told me everything that i need to do. Then the next morning, So surprisingly, my wife who didn\x27t call me for the past seven \x7b7\x7dmonths,gave me a call to inform me that she was coming back.So Amazing\x21\x21 So that was how she came back that same day,with lots of love and joy,and she apologized for her mistake,and for the pain she caused me and my children. Then from that day,our relationship was now stronger than how it were before,by the help of a spell caster. So, i will advice you out there to kindly visit the same website \x7bhoodoostemplesolution\x40gmailcom\x7d,i f you are in any condition like this,or you have any problem related to \x22bringing your ex back. So thanks to dr okogie for bringing back my wife,and brought great joy to my family once again. i want to thank him onece again fore what he has down for me you can as well to contact him with this email.hoodoostemplesolutione\x40mail.com\x7d'
'I have managed to go thru college for a personal support worker and am in my second year of nursing and have \x2455000.00. Its called working your ass off\x21im 22 years old'
'am a money lender apply for a loan at\x3arobbycahvo03\x40aol.com\x3cbr \x2f\x3e\x3cbr \x2f\x3eamount\x3cbr \x2f\x3e\x3cbr \x2f\x3ecountry\x3cbr \x2f\x3e\x3cbr \x2f\x3ecell phone\x3cbr \x2f\x3e\x3cbr \x2f\x3eage\x3cbr \x2f\x3e\x3cbr \x2f\x3esex'
'HELLO to my friends out there i am testifying about the good work of a man who help me it has been hell from the day my husband left me i am a woman with two kids my problem stated when the father of my kids travel i never help he was living but as at two weeks i did not set my eye on my husband i try calling but he was not taken my call some week he call me telling me that he has found love some where easy at first i never take to be serous but day after he came to the house to pick his things that was the time i notice that things is going bad i help he will come back but things was going bad day by day i needed to talk to someone about it so i went to his friend but there was no help so i give it up on him month later i met on the the internet a spell caster i never believe on this but i needed my men back so i gave the spell caster my problem at first i never trusted him so i was just doing it for doing sake but after three day my husband called me telling me that he his coming home i still do not believe but as at the six day the father to my kids came to the house asking me to for give him the spell work to said to my self from that day i was happy with my family thanks to the esango priest of \x28abamieghe\x29esango priest he his a great man you need to try him you can as well to tell him your problem so that he can be of help to you his content email is this esangopriest\x40gmail.com indeed you are a priest thank you for making my home a happy home again. remember his email is esangopriest\x40gmail.com'
'We help people who are in need of loan such as financial help .\x3cbr \x2f\x3e loan offer any amount required in dollars \x28\x24\x29 on\x3cbr \x2f\x3e Interest rate of 3\x25, complete the form below to get a\x3cbr \x2f\x3e Loan faster than ever think.Applicant over 18 years\x3cbr \x2f\x3e So it should be working class or business-oriented.\x3cbr \x2f\x3e\x3cbr \x2f\x3e \x281\x29 Name .................\x3cbr \x2f\x3e\x3cbr \x2f\x3e \x282\x29 Age .....................\x3cbr \x2f\x3e\x3cbr \x2f\x3e \x283\x29 Occupation .................\x3cbr \x2f\x3e\x3cbr \x2f\x3e \x284\x29 Monthly income ........................\x3cbr \x2f\x3e\x3cbr \x2f\x3e \x285\x29 Sex ...........................................\x3cbr \x2f\x3e\x3cbr \x2f\x3e \x286\x29 required ............................\x3cbr \x2f\x3e\x3cbr \x2f\x3e \x287\x29 the applicant countries ......................\x3cbr \x2f\x3e\x3cbr \x2f\x3e \x288\x29 Telephone ..............................\x3cbr \x2f\x3e\x3cbr \x2f\x3e \x289\x29 E-mail ..........................................\x3cbr \x2f\x3e\x3cbr \x2f\x3e \x2810\x29 Payment time .............................\x3cbr \x2f\x3e\x3cbr \x2f\x3e CONTACT \x3aHead office\x3akreditloancompany\x40gmail.com\x3cbr \x2f\x3e\x3cbr \x2f\x3e\x3cbr \x2f\x3eRegard\x27s\x3cbr \x2f\x3e\x3cbr \x2f\x3eMr Jack Mill'
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'Hi i just want to share my experience with the world on \x3cbr \x2f\x3ehow i got my love back and saved my marriage\u2026 I was married for 4 years \x3cbr \x2f\x3ewith 3 kids and we lived happily until things started getting ugly and we \x3cbr \x2f\x3ehad a fights and arguments almost every time\u2026 it got worse at a point that \x3cbr \x2f\x3ehe filed for divorce\u2026 I tried my best to make him change his mind \x26 stay \x3cbr \x2f\x3ewith me cause i loved him with all my heart and didn\x27t want to loose him \x3cbr \x2f\x3ebut everything just didn\x27t work out\u2026 he moved out of the house and still \x3cbr \x2f\x3ewent ahead to file for divorce\u2026 I pleaded and tried everything but still \x3cbr \x2f\x3enothing worked. The breakthrough came when someone introduced me to this \x3cbr \x2f\x3ewonderful, great spell caster samodaspellhome\x40gmail.com who eventually \x3cbr \x2f\x3ehelped me out\u2026 I have never been a fan of things like this but just decided \x3cbr \x2f\x3eto try reluctantly cause I was desperate and left with no choice\u2026 He did \x3cbr \x2f\x3especial prayers and cast a love spell on him. Within 7 days he called me \x3cbr \x2f\x3eand was sorry for all the emotional trauma he had cost me, moved back to \x3cbr \x2f\x3ethe house and we continue to live happily, the kids are happy too and we \x3cbr \x2f\x3eare expecting our fourth child\u2026 I have introduced him to a lot of couples \x3cbr \x2f\x3ewith problems across the world and they have had good news\u2026 Just thought I \x3cbr \x2f\x3eshould share my experience because I strongly believe someone out there \x3cbr \x2f\x3eneeds it\u2026 You can email him samodaspellhome\x40gmail.com.'
'I CAN HELP YOU GET BACK YOUR EX\x3a\x3cbr \x2f\x3eWelcome to Your Love Spells Your love spells are cast for you with warmth, sensitivity feelings, dedication, and of course love. I have a variety of love spells for you to choose from. All of these white magic spells have proven to be highly successful and very poP\x2a\x2a\x2ar indeed. You have many to choose from. Take a look below to see if you feel that any of them would be suitable for you. Fall in Love. Do you know someone who you quite fancy and would like them to fall in love with you\x3f This may be someone you know at work, or perhaps someone you have only seen briefly. This powerful spell is designed to makeyou more attractive to the person in question and put some magic into your relationship and thus enabling the person to fall in love with you. Become More Attractive. Would you like to become more attractive to members of the opposite is \x2a\x2a\x2a, or even to people of your own \x2a\x2a\x2a\x3f This love spell will make you more attractive to other people and it will raise your confidence in your desirability to people and in all areas of your life. The general outcome will bring about an improvement in both your love lifeand your friendships.\x3cbr \x2f\x3eIf you are having all these problems then do not wait for the things to settle down because things cannot be right unless and until you make an effort. So what are you waiting for, just get a solution to your problems. Contact us and we will help you getting your problems solved.\x3cbr \x2f\x3eGET YOUR LOVE BACK\x3cbr \x2f\x3eIf you have lost your love or you are looking for a spell to Retrieve your lost love. then you are the right place. Get your Boy Friend Back or Get your ex Friend Back.\x28If you have a question in your mind that how to GET MY EX BOYFRIEND BACK. or how to GET MY EX GIRLFRIEND BACK. By the power of love spells this question will be solved.\x29\x3cbr \x2f\x3eCONTACT FOR ANY KIND OF PROBLEM LIKE \x3a\u2013\x3cbr \x2f\x3e\x3a\x3d love marriage\x3cbr \x2f\x3e\x3a\x3d Business problem\x3cbr \x2f\x3e\x3a\x3d Problem in husband wife\x3cbr \x2f\x3e\x3a\x3d Foreign traveling\x3cbr \x2f\x3e\x3a\x3d Problem in study\x3cbr \x2f\x3e\x3a\x3d Problem as childless\x3cbr \x2f\x3e\x3a\x3d Physical problem\x3cbr \x2f\x3e\x3a\x3d Problem in family relations\x3cbr \x2f\x3e\x3a\x3d problem in your love\x3cbr \x2f\x3e\x3a\x3d Willful marriage\x3cbr \x2f\x3e\x3a\x3d Promotions our wised love back\x3cbr \x2f\x3eGet all solutions in your life within 36 hours and with 101\x25 guaranteed.\x3cbr \x2f\x3eCONTACT\x3a\x3cbr \x2f\x3eE-Mail\x3a dr.oriri24hrspelltemple\x40yahoo.com'
'Hello\x3cbr \x2f\x3e my name is jordan abun, i am from USA but i base in Africa i am a \x3cbr \x2f\x3eIlluminati member, and we do help people for richness if you are interest \x3cbr \x2f\x3eto be rich in the rest of your life then you have to be an Illuminati \x3cbr \x2f\x3emember okay, if you are interested to be one of us then email us now on\x3a \x3cbr \x2f\x3ejordanabun.illuminati\x40gmail.com we will help you to be rich'
'My name is Johnson, i leave in the UK, my girlfriend and i have been together for over 6 years now, in the last few weeks i have been having problems with her, I do love this woman a lot and do want to get married to her but at times i did feel a little confused about this and has wondered if she has been true to the relationship...until i found king son, who told me that she was not being true with me..I did later find out that she has been seeing her ex boyfriend I was devastated and did not know what to do, although I still loved her and could not see myself with anyone else, I did not want to lose her and king son assured me that they could help me with this problem, he told me about a spell caster DR.oriri i decided to give it a trier so I contacted\x3a dr.oriri24hrspelltemple\x40yahoo.com once again to let him know that I did want to get help with this. With the powers that they do have my girlfriend and I did work a lot of things out and she has came back to me and we are now back together and engaged I did get over the fact that she has cheated on me but sometimes we do need to forget the past and move on to a better future and without king son\x27 help I don\x27t think it would have ever worked out.he is truly an Angel sent from up above\x21'
'I am Mr Felix from USA recently I base in Canada, I want to testify what Dr oriri did in my life, I fall in love with a girl I love so much I love her with all my heart I am ready to do anything for her, but one day when i was in the office my phone ring as i look at the name i saw that is my friend then i said what is it he said i should come to a hotel close to his boutique now i said what is the problem he said nothing but just come quickly i left the office when i got there he ask me to wait for some seconds then i wait after some time i saw my so call lover coming out of the hotel with a man then fortunately i collapse my friend quickly rush me to hospital latter i found that i am in the hospital i was so disappointed in her then i said to my friend that girl is my life is everything i have why did she do that to me he said that i should not trust any girl then one day after we have the hospital i went to her house i met her mother outside of the house i greeted her then i said were is my wife she said is inside wen i went inside i saw her but she pretend as if she did not see me then i said why did you do that to me, she reply what, then i said i saw you with a boy coming out of hotel room then she said, that is my husband to be i said but i have engage to you she walk inside her room and come out then she trough the ring i engage her with then she said i shall not come near her life again i was surprise wen i hear that coming out of her mount i quickly drive home then i call my friend when he came i told him everything that she said latter he said to me that if i really love her then i said, with all my life i love her even to die for her i will do it for her then he said that he will take me to a powerful man who will help me bring her back then i said were is the man he said i should not worry that he will help me out, then he said that i should come over to his house then we went to his house, he go online with one spell caster and he told him everything about me the man said i should not worry that he will help me out but i should provide the necessary things then i provide it he said i shall wait for the next two days then i was very happy to hear that but the 2days come nothing happen then ,my friend go online with him again and said noting has been don then he said that i shall wait for another 3 days again still yet nothing happen then i was frustrated one morning when i was in the office a message come to my Gmail box i open it it was Dr oriri i sad i did not no this person after i have close from work i went to my friend house and told him about the message then he said we shall try him then we open the message and reply him but we did not see his reply then latter we open the message again then we see his mail then we tell him everything that happen even how we goes to one spell caster nothing has still be don then he said i shall not worry that i will be the one to marry that girl then i was surprise he said i shall do the necessary thing then i did everything that he ask me to do but he did not tell me when she will comes back after 7 days wen i was in the office i hear a knock on my door then i ask the person to come in wen i raise my hear it look like a dream i see my lovely one comes back to me again then i was very happy even i did a party to praise her coming back to me again then my friend said that he is really a great man indeed then we give thanks to him and said that she has finally comes back to me again then i was very very happy this man has done a wonderful thing in my life to the extend i really did a wedding with her i was very happy if you have any type of problem don\u2019t hide it from this man course he is your savior really you need to contact this man this is his email address\x3a \x28dr.oriri24hrspelltemple\x40gmail.com\x29 try and email him he will help you too thanks'
'AM LINDA i was engage to be marriage by a love one, but he suddenly changed his mind just because he found him self a new love, i was heart broken and so devastated to the extend of committing suicide a friend of my introduce me to a powerful doctor called oriri when i first head of him i never believed his powers until i visit the holy temple of the great prophetic man oriri,a man of wisdom and understanding he helped me out after having some conservation with him,and my ex love who promise to marry me later came back to apologize to me,today we are happily married with two lovely kinds. All thanks go to doctor oriri the powerful spell caster,if you need any help from him contact him with this email\x3a dr.oriri24hrspelltemple\x40yahoo.com, he is very powerful beware.'
'Hello viewers, i am fred by name and i want to testify the goodness of \x3cbr \x2f\x3ea great spell caster in my relationship. I have been into a relationship \x3cbr \x2f\x3efor two years. i so much cherish my girl friend to an extent that i \x3cbr \x2f\x3eproposed to her. 3 months after my proposal to her, she saw her old time \x3cbr \x2f\x3eboyfriend and she fall in love with him, a friend of mine told me that she \x3cbr \x2f\x3esaw my girlfriend with her old time boyfriend, son i had to call my \x3cbr \x2f\x3egirlfriend and ask her, she agreed and came to my house to return my ring \x3cbr \x2f\x3eback to me. ever since then i have been begging her to come back to me. i \x3cbr \x2f\x3ehave tried my possible best for her to come back to me. i have visited many \x3cbr \x2f\x3esites and i have contacted 4 spell caster, but they all took my money and \x3cbr \x2f\x3enone of them was able to help until when i met a man called \x3cbr \x2f\x3edreziza it took him 2 weeks to convince me. so some \x3cbr \x2f\x3ething just run through my mind, i said let me just give a trial, so he ask \x3cbr \x2f\x3eto send him the money for the items and i did. he told me that i should \x3cbr \x2f\x3ewait for 7 days. 4 days later an unknown number called me so i found out \x3cbr \x2f\x3ethat it was SANDY my girl friend, i was even shocked because the spell was \x3cbr \x2f\x3eeven faster then i thought. my girl friend is now with me. \x3cbr \x2f\x3edrezizatemple\x40yahoo.com.com, that you. you can as well call him through this \x3cbr \x2f\x3enumber at \x2b2348104933655, i believe he can help you in your situation...'
'am Monica, i was be trade by a man whom i was in love write after seven years in relationship hoping to be my husband he be trade me until a friend of my introduce me to a strong doctor ezizatemple who wipe away my tears and now we are happily married couple thinks to doctor eziza who bring us together as husband and wife you may contact hem drezizatempl\x40yahoo.com'
'I CAN HELP YOU GET BACK YOUR EX\x3a\x3cbr \x2f\x3eWelcome to Your Love Spells Your love spells are cast for you with warmth, sensitivity feelings, dedication, and of course love. I have a variety of love spells for you to choose from. All of these white magic spells have proven to be highly successful and very poP\x2a\x2a\x2ar indeed. You have many to choose from. Take a look below to see if you feel that any of them would be suitable for you. Fall in Love. Do you know someone who you quite fancy and would like them to fall in love with you\x3f This may be someone you know at work, or perhaps someone you have only seen briefly. This powerful spell is designed to makeyou more attractive to the person in question and put some magic into your relationship and thus enabling the person to fall in love with you. Become More Attractive. Would you like to become more attractive to members of the opposite is \x2a\x2a\x2a, or even to people of your own \x2a\x2a\x2a\x3f This love spell will make you more attractive to other people and it will raise your confidence in your desirability to people and in all areas of your life. The general outcome will bring about an improvement in both your love lifeand your friendships.\x3cbr \x2f\x3eIf you are having all these problems then do not wait for the things to settle down because things cannot be right unless and until you make an effort. So what are you waiting for, just get a solution to your problems. Contact us and we will help you getting your problems solved.\x3cbr \x2f\x3eGET YOUR LOVE BACK\x3cbr \x2f\x3eIf you have lost your love or you are looking for a spell to Retrieve your lost love. then you are the right place. Get your Boy Friend Back or Get your ex Friend Back.\x28Ifyou have a question in yourmind that how to GET MY EX BOYFRIEND BACK. or how to GET MYEX GIRLFRIEND BACK. By the power of love spells this question will be solved.\x29\x3cbr \x2f\x3eCONTACT FOR ANY KIND OF PROBLEM LIKE \x3a\u2013\x3cbr \x2f\x3e\x3a\x3d love marriage\x3cbr \x2f\x3e\x3a\x3d Business problem\x3cbr \x2f\x3e\x3a\x3d Problem in husband wife\x3cbr \x2f\x3e\x3a\x3d Foreign traveling\x3cbr \x2f\x3e\x3a\x3d Problem in study\x3cbr \x2f\x3e\x3a\x3d Problem as childless\x3cbr \x2f\x3e\x3a\x3d Physical problem\x3cbr \x2f\x3e\x3a\x3d Problem in family relations\x3cbr \x2f\x3e\x3a\x3d problem in your love\x3cbr \x2f\x3e\x3a\x3d Willful marriage\x3cbr \x2f\x3e\x3a\x3d Promotions our wised love back\x3cbr \x2f\x3eGet all solutions in your life within 36 hours and with 101\x25 guaranteed.\x3cbr \x2f\x3eCONTACT\x3a\x3cbr \x2f\x3eE-Mail\x3a drezizatemple\x40yhoo.com'
'Apply for a quick loan here \x402\x25 with your,\x3cbr \x2f\x3e name,\x3cbr \x2f\x3e Age\x2fSex\x3a\x3cbr \x2f\x3eOccupation\x3a\x3cbr \x2f\x3eMonthly Income\x3a\x3cbr \x2f\x3eCountry\x3a\x3cbr \x2f\x3eState\x2fCity\x3a\x3cbr \x2f\x3eValid Phone Number\x3a\x3cbr \x2f\x3eAmount Needed as Loan\x3a\x3cbr \x2f\x3eDuration\x3a\x3cbr \x2f\x3ePurpose of Loan\x3a\x3cbr \x2f\x3e\x3cbr \x2f\x3eour email address is ultimatelendingloancompany\x40gmail.com\x3cbr \x2f\x3e\x3cbr \x2f\x3eRegards\x3cbr \x2f\x3e\x3cbr \x2f\x3eMr Floozy Duck'
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'I have been in depth for a long time. I started racking debt at the age of 18 and now I am 40 and still have not learn my lesson. I printed my credit score from all three sources and my score is 525 very poor. I live with my sister and have never been on my own because of my credit and bad spending. Just recently I have hit an all time low and feel so horrible. I am so full of stress working two full time jobs and attending college. I am a mess, and all my debt is now derogitory and sent to collections. I do not know what to do and or how I am going to get out of this mountain of a mess. Does anyone have any suggestions\x3f I have racked up 40,000 dollars all by myself and want to stop drowning.'
'frankpaulcompany - unicredit01 \x5bat\x5d yahoo.com\x3cbr \x2f\x3eWelcome to frankpaulcompany - a unique search engine for loans\x3cbr \x2f\x3eall\x21\x3cbr \x2f\x3e\x3cbr \x2f\x3eWe have helped thousands of people achieve financial freedom and\x3cbr \x2f\x3ehave the money\x3cbr \x2f\x3enecessary. We can help you too. Applications are\x3cbr \x2f\x3efree, confidential and easy\x3cbr \x2f\x3edo. Do not let bad credit applicants alienation\x3cbr \x2f\x3efor a loan.\x3cbr \x2f\x3e\x3cbr \x2f\x3ecredit request\x3cbr \x2f\x3e\x3cbr \x2f\x3eName .......\x3cbr \x2f\x3eHome Address ....\x3cbr \x2f\x3ePhone\x3a ..........\x3cbr \x2f\x3eMobile ..........\x3cbr \x2f\x3eCountry ...........\x3cbr \x2f\x3eOccupation\x3a ........\x3cbr \x2f\x3eSex\x3a ...............\x3cbr \x2f\x3eAge\x3a ..............\x3cbr \x2f\x3eThe required amount ......\x3cbr \x2f\x3eLoan Duration\x3a ...........\x3cbr \x2f\x3eYou need a credit application .....\x3cbr \x2f\x3eMr. applied for a loan of up .........\x3cbr \x2f\x3emonthly income .............\x3cbr \x2f\x3e\x3cbr \x2f\x3eHurry for a loan, and all your problems will be\x3cbr \x2f\x3eresolved. you can\x3cbr \x2f\x3eContact us by email Company\x3a\x3cbr \x2f\x3efrankpaulcompany\x40gmail.com\x3cbr \x2f\x3e\x3cbr \x2f\x3eSincerely,\x3cbr \x2f\x3eMr. Frank Paul'
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'I\x27m Jacob Thomas, from Kerala,India.I\x27m graduated and i didnt get a good job. As I\x27m the only son for my parents I have to look after them and my three sisters. I\x27ve not any income but some situations compelled me to lend more moneys from outsides. Now I\x27m in too much debts. I dont know what to do. Is there anybody to help me.. Please help me soon.. I\x27ll pay you back \x3cbr \x2f\x3e\x3cbr \x2f\x3eJacob Thomas\x3cbr \x2f\x3eThakidiyil House Kanchiyar P.O\x3cbr \x2f\x3eKerala 685511\x3cbr \x2f\x3ejacob777thomas\x40gmail.com'
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'Greetings from Mary Wills Loan Inc. We are currently offering a floating loan scheme at 2\x25 Interest rate. We render services such as\x3b Auto-mobile loan, Home loan, capital loan, car purchase loan, company loan, personal loans etc. Our offer ranges between the amount of 2,000.00 euros to \x2420,000.000.00 within 12-months to 25-years. If you are interested in this offer, kindly fill an application details and forward it to our loan processing office via email\x3a marywillsloaninc \x28at \x29 yahoo.com'
'My Dear friends online, my name is RACHAEL , I have to give this miraculous testimony, which is so unbelievable until now. I had a problem with my Ex husband 2years ago, which lead to our break up. when he broke up with me, i was not my self again, i felt so empty inside me, my love and financial situation became worst, until a close friend of mine Lucy told me about a spell caster who helped her in the same problem too his name is Dr OLOKUN.i email priestolokun\x40yahoo.com the spell caster and i told him my problem and i did what he asked of me, to cut the long story short. Before i knew what was happening my husband gave me a call and told me that he was coming back to me in just 2days and was so happy to have him back to me. We have two kids together and we are happy with ourselves. Thanks to Dr OLOKUN for saving my relationship and for also saving others own too. continue your good work, If you are interested to contact him and testify this blessings like me, the great spell caster email address is\x3aDr olokun of the great benin kingdom\x28priestolokun\x40yahoo.com\x29tel.\x2b2348182743275'
'My name is Nancy,I have been through hell and pain,looking for a good and real spell caster who can help me get my boyfriend back.I have been scammed so many times,by some who claimed to be real spell casters.until i found the real and great spell caster \x28DR.OLOKUN\x29 who helped me,and solved all my problems concerning my boyfriend who left me since eight months ago.and after that i also took my friend along,who was also having the same problem concerning her husband,who left her since five months ago,and the problem was also solved by the same DR.OLOKUN. Cant you see\x21 the real and great spell caster is here,all you need to do now is to contact him when ever you are in any problem related to spell casting.It took me a very long period of time,before i could get this real and great spell caster.So right now is here,and the best for you to solve your problems all thanks goes to priestolokun\x40yahoo.com tel.\x2b2348182743275'
'we offer loan to people on bad credit,home improvement loan, personal and business loan, student looking for financial help and to companies etc with a very low interest rate and with or without collateral. any interested one should contact us via email lexingtonloanservicess\x40gmail.com with the following information,please complete and summit the information below\x3b\x3cbr \x2f\x3e\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x3cbr\x2f\x3e\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x3cbr \x2f\x3eBorrower\x3fs Information\x3cbr \x2f\x3efull name\x3a\x3cbr \x2f\x3ecountry\x3a\x3cbr \x2f\x3eaddress\x3a\x3cbr \x2f\x3eage\x3a\x3cbr \x2f\x3e0ccupation\x3a\x3cbr \x2f\x3emarital status\x3a\x3cbr \x2f\x3eplace of work\x3a\x3cbr \x2f\x3esex\x3a\x3cbr \x2f\x3eTelephone\x3a\x3cbr \x2f\x3emobile Phone number\x3a\x3cbr \x2f\x3emonthly Income\x3a\x3cbr \x2f\x3eamount needed\x3a\x3cbr \x2f\x3epurpose of Loan\x3a\x3cbr \x2f\x3eLoan duration\x3a\x3cbr \x2f\x3e\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x2a\x3cbr \x2f\x3eMr John Bills\x3cbr \x2f\x3eEMAIL\x3a lexingtonloanservicess\x40gmail.com'
'we offer loan to people on bad credit,home improvement loan, personal and business loan, student looking for financial help and to companies etc with a very low interest rate and with or without collateral. any interested one should contact us via email lexingtonloanservicess\x40gmail.com'
'Hello Dear\x3cbr \x2f\x3e\x3cbr \x2f\x3e I\x27m Eric Jones A Sincere and certified private money lender approved by the GOVERNMENT. I give out international and local loans to all countries in the world. Amount given out \x242,500 to \x24100,000,000 Dollars, Euro and Pounds, available now are Business, Personal, House, Travel and Student Loans. Apply for a loan today with your loan amount and duration.Its Easy and fast to get. 4\x25 interest rates and monthly installment payments. If you are interested get back to me for more details. On morethanlending\x40gmail.com or Call me on 8033958270\x3cbr \x2f\x3e\x3cbr \x2f\x3eKindest Regards\x3cbr \x2f\x3eEric Jones'
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