During the program you listed several ideas improving your credit ratings.  One being to consolidate your credit card debts with a non-profit credit counciling agency.  Please provide me with a name, address, and telephone number of an agency that you recommend that services Roanoke, Virginia.

My husband and I owe approximately 100K in credit card debt.  We also have a stock account which is down 13% at present. Should we sell the stocks at a loss and pay the credit debt off?  We are About 1700.00 shy in income to make all the payments per month, so I have been drawing down our cma account each month to cover.   Most of our credit card debt is at low rates of 3.9%

Question: I would like to get on a financial budget and need to know which financial budgeting software you recommend?

Question: I was wondering if internet banking is safe for consumers.  I have heard about them before and that some of them offer higher interest checking than most banks.  Is that true?

Okay, you've got a budget going, and you've shopped around for the best deals on your essentials and other purchases. Now you ask me the James Lipton question: “What's my motivation?”

Sites include my favorite calculator site: see how much you'll save (or not) if you refinance, lower your interest rate on your credit cards or increase your savings for retirement.