Dear tyra.
My name is ashli wilkinson.
and im 14 years younge.haha.
umm i had a couple of quiestions like if someone was acepted to be a model. but they charged a couple thousand of dollars. would that be scammy. because i heard you say on one of your shows that if any model people want money it just aint reel. so can you tell me what i should do. Because i really love to model and everything but mmhhh i dont know were to go or anything...

please write back.
Ashli Wilkinson

Dear tyra.
My name is ashli wilkinson.
and im 14 years younge.haha.
umm i had a couple of quiestions like if someone was acepted to be a model. but they charged a couple thousand of dollars. would that be scammy. because i heard you say on one of your shows that if any model people want money it just aint reel. so can you tell me what i should do. Because i really love to model and everything but mmhhh i dont know were to go or anything...

please write back.
Ashli Wilkinson

Hi Tyra i am writing because i am a single mother i recently lost my job and i found out im pregnant. I have no money to pay rent,i am so scared we are going to be on the street. I know you get alot of people asking for your help, but ive never ask anyone for anything before. Things have always been a struggle for me and i just pray you can help me so that i can stay in school and my girls have a home. thank you, Tyra

Hello,
I am Mr Cobbs James, the owner of Cobbs Loan Investment and Estate. I am a lender who gives out loans to those business and private people with low rates of 5%. I give Collateral and Non Collateral loans with a range amount of $5,000USD to $5,000,000USD. If you want a loan and you have a bad credit, no problem contact me on scobbs_loanlenders@hotmail.com for more informations about my loan and also filling the loan application form below.
Your names ................................
Your country................................
Your address ..............................
Your occupation ..........................
Your marital status ......................
Current Status at place of work.........
Phone number..............................
Monthly Income...............................
Amount Needed.............................
Next Of Kin................................
Purpose of Loan..........................
Pay Back Duration.....................
Await your response
James Cobbs

dear tyra,
my name is shawky, i am a 21, i wase born in algeria and i love your show , but i don't know my needs ,,,,, tyra help me

I'm a mother of 4children for years a was a single mother and had to learn to live on a budget for the sake of my children. I can say though that all the advice and things taught to my children are paying off now because my 2 older children who are ages 19 and 18 share an apartment and are doing very well for themselves because I taught them early the truth about being on your own.And to this day neither has ever own a credit card!!! I'm not a professional but if you need someone to give just great tips for those in need call me... I would love to help.Now that I'm married because i'm use to not having alot when I was single when my husband married me he didn't incure debt(other than the kids..lol) Even now we have no care note,credit card debt,just the bills that it takes to have a running household. This also thanks to my parents that taught me early how less stressed you would be with less debt. And it is true. I'm a survivor of domestic violence,being homeless,and not earning alot of money but you can make it. It is all up to your choices... thanks for letting me post a comment!! Cheryl
P.S. This is a great topic to have for the younger generation to have... awesome!

I have been following your show on Tv.
Become dept free and how to control Budget were the most interesting show i have ever heard and interested. I wish to share more in you interesting and teaching show. Thanks all

Hello Tyra I am in so much debt I can't image I have to file bankruptcy don't have any other way out I am haveing serious Medical Problems in my body and I have to fix that they are all normal conditions people get in there bodies I have too many and need a way out then I can go back to school and get a better job and deal with my finances my income is not enough to budget so I am trying though it is neccessary to try and do all I can for myself my conditions is Highblood Pressure, Type2 Diabetic, Sleep Apgena, Lymphedema in my legs it a lot of Swelling, need to loose weight I am trying because I watch all of your shows and they make me cry and some of them hit home for me I can only wear gymshoes all of my shoes is in my closet because of that problem I have cryied so much Please help me!

Hello Tyra,

My name is Ms. Anita Burton, I am 36 yrs of age, and I have read your posting on how to become Debt Free. My question is I work at a hospital and I get paid $12.00/hour, and I love shopping to I am broke because I* love the finest of clothes, and jewerly, shoes.However, I have never had the best of these things so by me having a good job, as well as I am going to school to become a Radiologist Technician I tend too splurge a lot until I am broke Please help me.

I AM 21 YEARS OLD AND I AM EXTREMELY IN DEPT, BUT I DONT KNOW HOW TO MANAGE MY MONEY! I READ THE WAYS TO DO SO IN THE ARTICLE BUT I DONT KNOW HOW TO LOWER MY SHOPPING TO 5%! I TRY I JUST NEED SOMEONE TO HELP ME! I MUST ADMIT I AM GETTING BETTER BUT ITS STILL HARD! I SOMETIMES LOOK AT MY DEPT AND GET DISCORAGED. I REALLY AM TRYING AND I THINK ILL BE OK! I JUST NEED A LITTLE MORE ADVICE AND HELP.

hey tyra, my name is barbara im 16.i know this is off topic but i post my wish in where because the other topic is full(what you always wanted to do) .my wish is to be a actress thats want i wanted to be since i came to america.im not in to the whole hollywood thing i just wanna be a actress thats all.it some thing that love soo much.i want to take acting class but my parents dont have that much money because i have other brother and sisters who want to be actors and actress.im orginally from africa.ive been to throught much.i use to live in a refuge camp.use was hard.and i love you so much because you do so much for people and i pray that god bless you with all good things in life.and i look up to you so much.and thing is i thing that im not a pretty girl because i have a big nose which i hate to much i wish i could get a nose job.i kinda have low selfesteem.i dont feel combertable around pretty girls because they get lots of looks from guys and i dont i just wanna be pretty for once in my life i wanna feel good about myself.i remeber when one two my friend use to call me ugly in front of my face and i use to guy a lots but im tryin to be stronger.

Tyra I just love you so much

*whut up tyra*!!!!!
how u doin. well i b watchin yo show the other day b 4 yesterday and it was great. i know many peolpe do tell white lies even i.u r a beautiful gurl and u keep doin yo show!!
hala bac tyra

hey, tyra i b watchin ya show and dey b great and i b watchin ya show and it b great.and do u cheack ya myspace cuz i b writin u and u dont reply so write me ok and i will cherich it alot

Hey tyra, its your biggest fan :-) im 16 years old & im dying to know what it feels like to have a house i can finally call my own. My parents & i have lived in town houses or apts all our lives & its very hard too buy a house, theres just so much involved. All my friends have houses & i feel like i can't do the things everyone else does. how do people do it, because i surely would like to know.

ily Tyra

Jennice

I've read the article for become debt free. It's funny that it's so easy to say a step by step plan how to become debt free. But the reality of that it is not easy as you think. I got into debt because I was scammed. It's so frustrating to think that there are people out there living just to screw other people who work hard to live good. Anyways, I was looking for the link where to write tyra but I couldnt find it too. I just want to share that don't be a victim of online scammers. Before deciding on things consult your friends and families. Here's the info of the scammer..so beware of this:

He'll send you an email like this:

Our company selling laptops from Europe.
We can't use paypal and we are looking for money
exchange manager. Our buyers will send you money
through Paypal and you will resend us our part.
We will pay you $200 for each transfer + all fees.
Do you want to work with us?

P.S. You can withdraw money from your paypal account
and after send us.

He's email is : eurolapsal64@yahoo.com

He's real name : Western Union info is:
Full name: Sergei Smaelov
City: Cambridge
Country: United Kingdom

thank you i will check out the website..

Hello Tyra,

Though I did not watch this segment of your show, I know that it helped people in many ways.

I am planning on investing in the stcok market in the future and maybe you might contact me or anybody here might give me some tips on how to invest in the stock market so that I might make as many returns as possible and that my principal remain intact and not be wiped out. I have heard of people making fortunes in the stock market, but I have also heard of people losing out. So, I need some guidance and help.

Onto, another issue, I also need help in budgeting my money and my time, especially my time. Sometimes I tend to forget what I should be doing and at what time, so I need help to get a system where I can budget my time and use it correctly.

I have not watched your show for a while and I must say, I miss seeing your radiant personality light up my TV screen. It's the weekend here and I do not get to watch the show until Monday. I can't watch the videos online, because internet access is a little bit slow, but I am hopeful that it is going to improve in the future, since Africa needs to get on the information technology bandwagon if it is to keep pace with the world. But I digrace, this is about you, about money, and about the show. And I must say again that I can't wait to watch your show again. Please ensure that you cater to those of us who are on the male side of the Homo sapien species.

What else is there for me to say.Here is a small poem I composed for you.

Your smile radiates warmth like the shiny rays radiating sunlight in the morning.

Your eyes are like, a tome that someone has to read to get the messages that are hidden in the sepluchres of your skull.

You speak like you are singing, and even the birds of the air have to stop and do a dance when your show is on.

The laughter that comes from your mouth is like a lullaby to a child who is sleeping. It feels so good it puts me to rest.

Your spirit, is so forceful one has to be well girded to come close to your presence.

Be good and keep up the good work.

Yours,

Paul

Chao, and lot of love.

Paul

Hello,
I have never written a comment to any show before but felt so strongly compelled to write now. I watched the Tyra show regarding living on the cheap. I was mortified to see the pie chart and the percentages we should live by while budgeting our money. I couldn't believe the amount allocated to utilities. I live in Northern New York. I am on the budget with National Grid. They provide my heat/electricity. I get my gas in my car at the local gas stations. Together this expense is as much as my housing allowance should I say mortgage payment. If Tyra or anyone really reads this for feedback I have something very important to say. People are in foreclosure on their homes in record numbers. Why do you ask. Because they are paying so much for energy. We have the choice of putting gas in our cars and keeping our homes warm or paying the bank for our monthly mortgage payment. Since the prices have skyrocketed I have gotten behind enough mortgage payments for the bank to foreclose on my home. This is only a few thousand dollars. My annual income is around $40,000 a year and that you think should be sufficient. I do not qualify for any programs to help and my family can't help. While all the charity money is being raised to help people the big problem in America is being overlooked. That is home foreclosure. People that have worked hard and honestly are losing their homes. I hope this draws attention from Tyra herself. America is in trouble, not just the minumum wage workers are suffering. Please check the statistics on foreclosures. So many people could benefit from just a little help to stop this. Thank you for reading this. The pie chart is a horrible reflection of reality.

Hello, I know this is not on topic but I am trying to find the link to send an email to Tyra. My little sister is really trying to get started in the modeling business and I am not sure where to get good information from; meaning training for runway and such. I would also love to contact this Financial Advisor on identity theft I am in the National Guard and having a hard time coping in civilian life after Active Duty. Can someone please email me with some advice?
Thanks!

Tyra,

I just wanted to know if you knew how Lynnette Khalfani became a money coach. I just graduated college and I always wanted to be the next
Suze Orman :) I've seen Lynnette around (her books and appearances on television, Oprah and your show). I've been searching for a few years for the right direction... so i figured i'd ask you and you can ask her or OOO! maybe this is a show idea. Have young woman like myself who are starting their careers shadow someone they admire or want to be like (like an internship)... so (who wants to be a model/actess/singer/t.v. host/camp owner/ect.) someone could follow you around for the day and get the feel of it and if they are still interested... anyway i've gone a bit off track. so if you know how she got to where she is today please fill me in. I really want to help people with their finances

Coming from someone who went bankrupt and started over again with a mere $75 to my name and now runs 2 businesses and have a lot of $$ in the stock market.

My advice is to invest in yourself first. I buy cheap cars and if they break down I leave them and buy another one. Easy to walk away from a $1000 car that breaks down and buy another one. Medical Saving Accts are a good idea, go with a prepaid cell phone plan. Those are some ideas.

Hi Tyra and Lynnette!!!

Thanks for the Money tips and for bring this money issue up, lots of people can learn from it.

Regards from Philippines! :)

Cynch

Hello Tyra,

I think that what you are doing for the women in your Tzone foundation is really good. You are a really good role model and women who come from disadvantaged environments need a role model like you who they can look up to. I am really proud of what you are doing for yourself and for women all over the world for I know that your show reaches out to many women.

As a thought, you might want to focus part of your attention on African women, for I believe that Africa would be in a worse place if it were not for the women in it. So, in your endeavourse do not forget to educate and to reach to African women.

Especially in my small town of Mombasa in Kenya. The women here are really hard working and they are the ones who keep life going by the hard work that they do. So, you might one day in the future want to have an outreach program for the women in my small town of Mombasa.

Lot's of love.

Paul

Hello Tyra,

It's me again, Paul. As I said before you are going to put me in debt, you might have to pay me for writing so much in these message boards. I am just kidding by the way, because I love to write and this gives me an excercise so that I can improve my talent.

Yeah, as I said before I loved you journal section and your other section on the Tyra's World section of the website. I also checked out the Tyrabanks.com website and I have to say that your photos are banging. You look pretty hot. I am not sure if I should say this as a fan, I do not want to to turn into a groupie you know.

I have been to three cyber cafes in a span of one hour, just because I had to write to you. I do not mind though, I kind of enjoy penning this tid bits.

Lots of love.

Paul

Hello Tyra,

It's me again, Paul. As I said before you are going to put me in debt, you might have to pay me for writing so much in these message boards. I am just kidding by the way, because I love to write and this gives me an excercise so that I can improve my talent.

Yeah, as I said before I loved you journal section and your other section on the Tyra's World section of the website. I also checked out the Tyrabanks.com website and I have to say that your photos are banging. You look pretty hot. I am not sure if I should say this as a fan, I do not want to to turn into a groupie you know.

I have been to three cyber cafes in a span of one hour, just because I had to write to you. I do not mind though, I kind of enjoy penning this tid bits.

See you later, love.

Paul

What can I say, I am in thehabit of writing to you all the time nowadays. It is a habit that I relish yet it is bad because it is going to put me in debt. You are too much, you know you should pay me for writing these things all the time.

By the way, I checked out the "Tyra's World" section of your website and I realize that you are someone that is really serious and someone that has accomplished a lot in your life time. I have no clue how I am going to handle myself when we eventually meet, because something tells me that we are going to meet one day.

It was cool see that your put a photograph of yourself in your journal, that is very personal and with no make up on. That shows that you are comfortable with yourself and you really want the world to see you for what you really are instead for what people want you to be. I will write more next time.

Love you lots,

Keep up the good work.

Hello Ms. "T"
Just wanted to say that you're doing an EXCELLANT job. Please continue to provide Love, Education and, Knowledge to all...
Much Love to you my sister.
Marvin (chicago)

Hello Tyra,

Firstly, Hope you are having a wonderful day. I am doing good. I am also very much in debt since I have some college loans that I have to pay for. Also, I have cash flow problems since I am still living with my parents and I am jobless. So, I sometimes have to swallow my pride and just ask my parents for money.

Debt aside, sometimes I feel like we as humans owe ourselves so much. We owe it to ourselves to make sure that we love the people around us. We owe it to ourselves to enjoy the sunrise in the morning. We owe it to ourselves to look each other in the eye and hug one another when we meet as lovers do, or as the birds do when ther are fyling high in the morning breeze.

I believe that we are always in debt for the important things in life, the most important of all being that we do not love enough, so we owe each other love.

I hope I get to meet you in person one day because you radiate so much warmth and love, and I for one think that you are one of the person that puts the balances the account of love, because you compensate for the people who do not love. I would love to meet a person such as you and reward you for you need to be rewarded for all the work that you do.

I need information on how to become debt free I am about 17,000 in debt and just started new job been unemployed over one year help! need information on support group in my home town.

I am about 40k in debt including student loans. I am a young mother age 25 and have one 11yr old little girl. I am at home with my dad because my life took a very bad turn. I need help with figuring out how to get out of debt. Can you please help me?

I am about 40k in debt including student loans. I am a young mother age 25 and have one 11yr old little girl. I am at home with my dad because my life took a very bad turn. I need help with figuring out how to get out of debt. Can you please help me?

I absolutely enjoyed this show to the fullest. Usually I am not home to watch but during the summer months I get work until 1230 on fridays. I enjoyed this show because I can see myself in Tiffany's position if I don't get my act together (which I am in the process of doing). My mom and I immigrated from Guyana. She felt that in order for me to have a chance at a good life we had to leave. She worked 2-3 jobs at a time to make ends meet for us and to be able to send me to private school, because where we lived the public school it was nothing but trouble. So when it was time for me to go to college I knew I would have to do it on my own. Now I'm a college graduate $90,000 in debt with Sallie Mae loans that I just consolidated with Education Finance Partners. I am married with a little girl an only making $35,000 a year. I also use shopping to heal wounds that were left by being sexually abused by a close member of my family (only my husband knows and some of my friends). I have so much to live for but sometimes I get overwhelmed with all the debt and bills and I feel that I can't take life anymore. And when I get that feeling I have to shop, it seems to take away all the self doubt, the anger, the low self-esteem and other feelings I can't explain. I really don't want to shop but I also don't want to feel like ending my life. I love my daughter and my husband and I don't want to hurt them by putting us further in debt but as soon as I think I'm making progress here comes the feelings of self hate again. I really want my life to be more enjoyable without having to always apologize for spending what we don't have because I can't get my feelings under control. Please if anyone out there has some tips on how to clear my feelings and control them so I can control my spendings please email me. I need help before I lose my husband, he has been my rock through everything and I'm scared if I don't get it together I'll be the next "tiffany". Thank you in advance.

Hey Ty,
Getting off of debt is the worst and hardest things in life! How can a 15 year old make $$$? i need to move ASAP, before i'm dead! please help.!!!

After watching the show I kept saying to myself that I recognized "Tiffany". Then I realized I had seen her on Dr. Phil. I'm sure she is in debt but why does she feel the need to continue to go on national TV to brocast her business? I think she is fake and phony sitting up there on that stage asking for attention. Dr. Phil offered her and her husband help, by puttin gthem on a budget, and making her get rid of things. I think the show I saw her on aired last year and her story has remained the same. She does not want help she wants attention.

Hello,
you know how everyone is saying how they are in debt. well I am too, don't get me wrong, but no one talks about how hard it is to get a loan when you have little to no credit, and you don't go to school. Or you don't have anything you could use as collateral, because you can't afford full coverage on your vehicle. I have tried to get a loan for only 3000.00 with a co-signer and still nothing. I wish SOMEONE could help people with this. I am only in debt by 4000.00, and its because of hospital bills from having my beautiful baby girl. I am 22 and eight months later I still can't catch up on my bills. My boyfriend/Fiance lost his job and now has two jobs and we are playing catch up with the morgage. It sucks!! I was taught young that its better to own a house than to rent and move all the time like we did when we were young, and I would hate to lose our home and put my daughter through that. Maybe you could talk on that subject the next time you talk about debt free, talk about credit and what that really intales. Thanx DR

Dear,
Tyra

I'am a Loving mother with finacial troubles I'am losing my home. I need help ,my husband got sick A long time ago and we got in debt . My kids are going to school in a month and we have to move. I need there school clothes,and to keep are home .A heavy heart pleasehelp me tyra

Love,
YOUR FRIEND
Denise Madrid

i can help you with a loan, how serious and trusted are you.i am hilton the loan lender from co_operative soceity, we offer loan to business men and women, we also offer loan to company and individauls.cotact us via email address hilton_steveeasyloan@yahoo.com

i can help you with a loan, how serious and trusted are you.i am hilton the loan lender from co_operative soceity, we offer loan to business men and women, we also offer loan to company and individauls.cotact us via email address hilton_steveeasyloan@yahoo.com

gofv xomfz vklhg cgqarejud aboertc pqzgskl idshgzek

gofv xomfz vklhg cgqarejud aboertc pqzgskl idshgzek

gofv xomfz vklhg cgqarejud aboertc pqzgskl idshgzek

I think Lynnette's information is vital,but for my personal situation, I don't have studen loans, I have one credit card that I owe less than $3000. on. I have an auto loan that I owe on the car was reprosessed, I have medical bills, utility billes, judgements from an apartment I rented, A furniture rental company (which they said was done in error, but have no way of canceling the judgement. My credit reprot is not great, my score is very poor. I am 30 years old, I have an 11 year old som. I am working making $2200.00 per month after taxes. I am interested in following Lynnette, but it seems like there may be some missing steps that I need to take before I start with her plans. My financial woes go deeper than what is tped in this message. I want to discuss them with Lynnett directly. I have ssen so moany companies who promise results in cleaning up your credit report and score, But Lynette is the one of two financial expert that can teach you where you went wrong with your relationship with money, how to repair your relationship with money, and also how to maintain a healthy relationship with money. The item & max% chart looks to be a great thing, but as I have said, I think if Lynnette knew all that was going on with me, there may be another first step. Please contact me, I am drowning, I can't find any where to rent to live due to my credit score, and now I am told employers are now checking your credit score as a determination for hiring you in all fields of work.

I,walter L HARRISON,JR. a disable vet with only with 20,000 DOLLAR WITH BILLS AND CAN`t find anyone to help,ILIVE ON 1275 A MONTH ON SSI

i wanted to thank tyras show for posting the personal bugdet % chart im a new mom and im in sum debt because i have never had anyone show me how to save money or go by a fixed budget leaveing me broke and literally outta food sumtimes my spending was being spent on the wrong thing or too much on certain bills for my income and that percent chart helped me alot!!thanx guys

Dear Tyra,
I watched your show and I was impressed. I was married for 23 years. I paid my bills on time for the last 30 years. My credit score was as high as you can get. I purchased my last car in 2003 without a down payment and 0% financing. What happened? Divorce! My credit has gone straight to hell! I have credit card accounts that I owe because I opened them on the request of my exhusband. He couldnt open them, his credit was already too high in ratio to his pay. I will pay them he said. Well I know no one can predict the future. But now, like a lot of other women in this country, I am over my head in debt and I dont want to file bankrupcy. If you do a show on debt and divorce - call me! In the meantime I will be purchasing your girl Lynnette Khalfani's book. She was on point. I am under ratio in most of the areas she talked about. But because of the amount of bills there is no way I can pay them and eat. But I will write you again after I read the book and tell you what happened. Tyra I have to do this. I have a 10 year old, I am 47 and time is running out. Tyra, there are many women out there in the same boat that I am. I know because I work with them. Dead beat husbands and dead beat men. Thanks for doing the show. It gives me some hope.

Hi Tyra my name is ashley and I wanted to thank you.You bye watching your show you have inspireded me to keep going with my dreams and never let no one tell you that you can't become what you want to become watchin your show has made relationship better between me and boyfriend you are really a role model in my life.

I just turned 21... I recently had a surgery and I didnt have insurance they reduced my medical bills from 35,000 to 10,000 but I still can not pay them because I dont make enough money. I have to pay my bills at home and I rarely have any money left over to do anything with. I have credit card debt and medical bills to pay I am always getting phone calls from creditors and collections. I want to pay them but I just dont make enough money too...and it looks as if I am ignoring them. I need some advice????

Hey Tyra,
My husband had a really good job and was the only one working. But he reverted back to an old habit walked off the job and ran his credit card up $8000 in one month alone.(He pretended to go to work everyday for months). I have 2 babies and the cost of a sitter is more than I am able to make. I own a condo that I am barely able to keep and my mortgage payment is the same price as apartments in bad neighborhoods. I hate to say it but I missed the show! Well husband is back in the picture and working but now we can't afford a thing due to the high credit card bills. Where do I start? Thanks for keeping it real Tyra. Much Love.

Hey Tyra, I am a 20 year old single parent who's gotten herself into a huge amount of debt. Living in my own apartment with my son I slacked on my utilities and have 4,000.00 in school debt. i couldn't continue my sytudies because i could not afford the books so now i am looking for a job to help pay off my bills because welfare is not cuttin' it.
I am going to use the tips from your show to become debt free and be the best I can be! thank you so much for bein' real!

Wassup Tyra,
I'm a 24 year old black college student. I just moved out into an apartment and I found this show to be interesting. I'm a shopaholic(dey know by name)and I feel like the lady that's in the middle of gettin a divorce ,.it's an addiction..it's like everytime i get a dollar...i spent it..please HELP ;0)..thanks!!!!

I think if your on a budget and you want something nice, try buying gift cards that don't expire and save them up for that favorite thing you want. I'm still working on my coach bag. I can't spend that kind of money up fron I have 2 kids!!!!

I'm glad your skin has cleared up from that expensive "poop" as i like to call it.I personally use noxema products and love the aftermath. Anyways i know i'm one of a million that write but here goes nothing. I have to say you are probably the most down to earth realistic and honest talk show person ever!!and trust me i've seen it all...maybe too much. well, gotta run and play with the little one. God Bless you and take care of yourself. Love Lydia
(Desperatley Lonely)
From Moose, Canada

First off, I think this was a really great show. I know I can use this as a stepping stone to get back on track. I actually wrote down all my expenses and put them into this pie chart and surprisingly everything was right on point, except my rent that was a tad higher than 35%. I even worked in money that should be allocated to savings and to prior debts I owe and you can imagine my surprise, when I noticed I still had money leftover for the month. Honestly I think most people have more money than we actually think, we just dont know it because we may have never really sat down and tried to budget. I have decided to whole heartedly give this a try. Pray for me though, I am a recovering shopaholic!!!

Remember when shopping for deals use cash. What is the point of getting 50% off when you are paying interest on credit cards. Some department store credit cards charge 23%. If you must use a credit card get an American Express Card (the one that requires you to pay the balance in full each month)this will help curb the "need" to shop.

Hi Tyra, I love your show. It is like having a friend over. Yesterday's show on budgeting made me look at my finances and a realistic monthly spending plan. I have worked for 18 years and now looking for a job. I have spent my savings and now in serious debt. The tips will have special meaning once I try to overcome my present situation. Thanks for keeping it real with all of your guests.

I loved this show! I am usually working when the show is airing, so this was a treat! I am a "financial fitness" faciltator in our town. We use this to prepare people for homewonership. This is a wonderful book, and I will add it as a resource for our clients! As a single mom of two, I know how difficult it is personally to make it on one income, let alone plan ahead for those "extras". I NEVER buy things that are not on sale. We go to thrift shops, and hey, looking for a finding a great bargain makes it fun! I feel like a millionaire when I can find a used coach bag for 30 bucks at goodwill. Talk about savings!

Hi, Tyra i really enjoyed the show. I am 30 married with 2 children. Between me and my husband we gross around $5000.00 a month. Here are a few of our bills. Rent$450.00, Car Payment$425.00, Insurance$97.00, Cell Phones$280.00-350.00, Utilities$400.00. I aso have three bothers incarcerated that I take care of that runs me about $300.00 a month. I just recently lost me mom and everything concerning my siblings is left up to me. I am asking for some advice not to live pay check to pay check. I also love to gamble. HELP ME!!!!!!!!

Heyy Tyra,

Well I know how much young teenagers just love to spent their money whether it is on clothes, or shoes.Alot of my friends like to spend money on expensive clothing. Then they realize that they have no more money left in their bank. Some teenagers have jobs these days but still seem to spent alot of money. Some tips that me and my friends use it is not always go to the clearance racks or the stuff that is on sales. Also with shoes. One of my friends has to have a differnt shoes each time she wears a new outfit. Thanks for the tips Tyra!! Much love..xox

Brittany(Canada)

In the show, How to live large. i am curious to know what percentage should be covered on education?

For Stephanie,
I know my mother in law just recently had a heart attack and is a very low income family. She didnt have insurance at the time and racked up about $30g's in ER bills,helicopter bills, ... there was a program called catholic charities that the hospital provided for families in her situation that would cover some if not all of her debt. You could also look into getting a state funded medical card (public aid) which hospitals and some dr's accept it just a matter of looking into dr's to see who does and who doesnt. Best of luck to you!

I dont necessarily think that Lynette was trying to come across saying that no one knows how to budget there money, but was saying to those that spend there money un-wisely and end up in situations where they could have avoided per say.

omg this show was supper good cuz im only 19 yet i have a student loan to pay back from college, (almost $2000), i owe $200 in cell phones,$500 to my parents, and $500 on my credit card !!plz Tyra if u read this find me some more help!!
Kalleen

Im a single mother with a five month baby Im also in the military and i live pay check to pay check i make roughly about 3000.00 a month and the baby's father gives me 425.00 childs support a month and i still manage to live pay check to pay check what can i do to save money.heres my monthy expenses rent 620.00;car payment 440.00;insurance 130.00;daycare 340.00 and formula about 140.00 cell phone 130.00;electic bill 100.00 and cable 100.00 that leaves me with 140.00 a month for food. so i have some left over but where does it go and how can i save help me

This show was great! I dont get to watch much because one- i work 2 jobs and go to college full time and 2 i just got cable for the first time in years. It is nice :) That is why i enjoyed this show so much. People need to realize how hard it is to manage their time and money. Thanks for doing such a great show!

Money Saving Tips/Life-long Lessons:

Avoid puchasing items at regular price at all costs! When shopping, go straight to the clearance rack. If there is nothing there that is of interest to you, proceed to the sale (or percentage off rack). Now, if you still didn't find anything,"spot" something that you want that is regular price and "watch it" until it arrives in the "ideal price range" for you to make the purpose.

Better yet, "get a buddy" in the store. Buddies are valuable assets. They can alert you to upcoming sale promotions, possibly set something aside, give you a "warning call" when there is a "must see-----must buy opportunity," they set aside money saving coupons for you, and even reduce the price for any reason such as "damaging out---final sale items."

Get on mailing lists (e-mail and USPS)because there are many "perks" attached to mailing lists especially for birthdays, hoildays, anniversaries, and frequent customers.

Use and search for coupons in the store, newspapers, on-line, from a friend, and etc.

Get rid of all of your credit cards and only keep a Visa Check Card. That way, you can't over spend unless you are a "bounced check fan."

Carry a minimal amount of cash on your person. This is great for overspenders. Once you realize that you ran out of money, "something will click in" and signal that you need to get back into control of your spending.

Never ever purchase a brand new car! In the year and month of 9-11, I took a "big hit!" I bought a Chrysler 300M. I wanted this car for a very long time. I traded my new Nissan Pathfinder in for this car. Can you believe this? Basically, it was my loss and someone else's gain. I was given such a great deal on the truck and I was blessed to get it before the year even was here. It's embarrassing to admit that as soon as I drove the $32,xxx plus (that's back when it was a "hot commodity")300M off of the lot, it depreciated from that amount to $19,xxx. This was one of the worst mistakes of my life. So, please never buy new. After studying, hanging with some rich people, and "taking a hit" myself, I know better. Buy gently used. Vehicles decrease in value. Let someone else "take the hit." You will reap the benefit guaranteed especially when there is still a warranty. Also, invest only in the vehicles that will hold their value! Cady, BMW, Benzo, Jag, and etc. If you have the patience to wait, like I did, you can wait approximately 3 years and save over $30,xxx off of the price of a Cady (Escalade). I actually bought an '00 Escalade for over $30,xxx off of the price of a new one. I get compliments all of the time! Waiting 3 years was a smart move....I made the purchase in '03. My ole' school is still going strong. I change the oil often and have only had to replace the fuel pump (which I have learned that all Cady vehicles need that at about 90,xxx miles and a battery (which that is to be expected when I have 135,xxx miles plus on the truck.

I could go on and on. I could even write a book...don't you think? There are plenty of stories to share and facts to give.

If you follow my advice, you will save a bundle of dough!

Michelle
East Saint Louis, IL

well sorry to say but i dont think that what Lynnette says is all that. most ppl know how to pay there bills! but what do you do when you have medical bills that are way out of control? you cant control medical problems! we dont have criedit cards and we have junk cars so we dont have that payment. but we still cant make payments on each bill each month for medical. and we cant skip medicine. or dr. app. so if someone has a answer for that let me know. tyra has my e-mail.