Money help: I am a social worker in Ottawa Canada, currently drowning in debt due to the layoff of my husband. - Help.com



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I am a social worker in Ottawa Canada, currently drowning in debt due to the layoff of my husband.

He has just started working, although seriously underemployed and now we are trying to get back on track. We have tried banks, refinancing, have cashed in retirement savings and cannot borrow from family. We have $20 000 in credit card debt and owe $12 000 in taxes due to a screw up on my husbands previous employer. If we could just consolidate our debts to lower interest rates and a manageable payment and find some way to earn extra income on the side…..any ideas?

This open post was written 3 months, 2 weeks ago | V/U/S: 233, 4, 4 | Edit Post | Leave a reply | Report Post


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peterpa offline Unverified User #
An Unknown Location | 2 months, 1 week ago (1 month, 1 week after post)

Have you ever heard of Dave Ramsey ?
I know he’s a little religious in his beliefs but all that aside he has the answers

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hjoyecarso offline Verified User (3 months, 2 weeks) Long Term User Shouts: 0 #
An Unknown Location | 2 months, 1 week ago (1 month, 1 week after post)

No who is Dave Ramsey?

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janice.mcka offline Unverified User #
An Unknown Location | 1 month, 3 weeks ago (1 month, 3 weeks after post)

Seems he’s someone in the business of making himself a lot of money.

Wall Street Journal best-selling author and nationally syndicated columnist Eric Tyson criticizes Ramsey for referring listeners to endorsed, commission-based brokers (who pay fees back to Ramsey) instead of fee-based advisors; and for advocating portfolios containing only stocks instead of portfolios balanced with bonds. Tyson also cites Ramsey’s exaggeration of expected stock market returns, his focus on high-risk growth funds instead of safer index and life-cycle funds, and his failure to state the importance of investment expenses

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