Money coach Lynette Khalfani tells you how to divvy up your income to pay for everything, without breaking the bank!
Posted by The Tyra Banks Show on April 14, 2008 6:39 PM|Permalink
Comments
Tyra, I have to be completely honest with you. I think you are the most beautiful, talented, and quite personal about your personal life, you amaze me! But I can't watch your show very ofter, because I am 55, flabby, no teeth, (do to vomiting) very depressed, a worrier, been in and out of the hospital so many times, I couldn't count! I of course think I am very ugly! My husband of 37 years, tells me I have always felt that way. I don't want sympathy, it wouldn't do any good, it is just hard for me to watch someone so beautiful, not care if they make a mistake, and if you do, you laugh, and we laugh! I have a 33 year old daughter, that has drained us financially, she won't hold a job, and loves hydrocodone. She has a beautiful 10 year old daughter, that was born without a thyroid, and is legally blind in her left eye. Also, she has something called DeWaynes Syndrome. My other two grand-children are wonderful. My son and daughter-in-law are wonderful parents! She and her brothers girlfriend just got back from taking them to Walt Disney World! Oh how I wanted them to ask my other grand-daughter. She couldn't understand. She repeated third grade last year, and they found out she had ADD, not the hyper one. She is also over-weight, doesn't want to go to the parks, because kids make fun of her. But I am telling you the truth, God has kept me alive, to take care of her! When I got a staph infection through my port and it went through my blood stream, and it was so bad, all I could think of, is get better for my grand-daughter. She needs me and her grand-pa. We have spent thousands on them, trying to give them a place to live, we buy groceries every night for supper for them. If my grand-daughter is with us, we don't worry about it. I am so sorry for feeling that way, but if you knew my daughter, you would understand! My son and daughter-in-law works hard everyday, and they will not let their two kids go down there. I don't even want to get out of the hospital bed, and I am only 55!! But my grand-children and my husband are my life! What my grand-daughter has, from school clothes to webkinzs, have came from us! My daughter cannot afford anything. Now I own three tops to my name. (That's enough, because I only go to the doctors!) I give up so much for my grand-daughter. My husband on the other hand has had it. He is ready to try to get custody of my grand-daughter, but with my health problems, it is unlikely. To top it all off, she knew I was going to try and get her, because at one time, she was leaving her in the middle of the night, (a male room mate was there) and she was going to another town to do hard drugs. They showed up at the hospital when she got sick. I am at wits end. I can't let her move back in. My grand-daughter stays alot, but my daughter bribes me. I don't know what to do. My mom when she was alive, always tried to keep peace, but she died at the age of 53, and my sister died at the age of 44, do to breast cancer, that had spread. I have no one to talk to, and I am a mess. I have had several nervous breakdowns, when once I was in for six weeks. Now that has been years ago. So, I have always wanted to see the ocean before I die. Then I thought, I would like to have some teeth and glasses, then I thought some more, I don't want to leave my husband in this financially bind. He knows nothing about paying bills. He would if I was gone, and the lights went out, and he had no TV, ha! Here is another thing. My daughter said she has a document wrote up, that my grand-daughter's dad's sister, gets my grand-daughter if anything happens to my daughter. Her and my grand-daughter's dad were never married. Now her aunt lives two hours away, and has been to our city once in ten years to see her! ONCE! Now she has been up there, but I couldn't take it! When she moved up there, my husband would drive over half way and get her for the week-end, and she wanted to live with us so bad. Now I don't really know, because her mom is bribing her with kids staying all night, so she will stay home. About a month ago, I let a friend come here, and decided to let her spend the night one time to see how it goes. Her mother through a fit, said my grand-daughter had to go home, if I didn't get rid of the little girl. It was the hardest thing ever to tell the little girl she had to go home! I am minding a 33 year old "deamon" that has sucked the life, what's left out of my husband and me. Last time there was a fight two hours away where they were living, we hurried there, it was 2:00am in the morning, when we got there, and all I could do is cry and pray that my grand-daughter was there and not in a foster home! So all of this has really made my husband dis-own our daughter. It cost a $1000.00 cash to get her out of jail, and it isn't over. Now everyone says, don't eat at McDonalds, etc. to save money. Well that is true. But when my mom died in 1983, we paid for the funeral. When my sister died in 1996, we paid for the funeral. When my father died in 1997, we paid for the funeral. We have been very poor, and my father was self-employed, which insurance was so high, and you couldn't afford the best. It has been terrible. After mom died, I took care of dad for thirteen years. Mowing, cleaning, groceries, bill paying, etc. When he found out he had cancer, I took him to all thirty-three radiation treatments. Plus when he went into a nursing home from the hospital, I never left his side, even though he was very mean to my mother (abusise) and me. I don't know why I am writing all this. I was going to pick something I would want. But the way I look, I don't go anywhere. I cry all the time over bills. Over my grand-daughter. And over my husband, who has been with me through everything, including all the surgeries, the one that lasted 10 hours, and took care of me at home. Right now I am doing pretty good, just so depressed. I have tried everything. I am having seizures now, and I can't go swimming, which we had a above ground pool, but had to get rid of it. I haven't drove for years, so that wasn't anything new. I just have to say, Tyra, you are one in a million! I have watched your show. (The breast exam!) You are just so beautiful and talented! I hope I didn't bore you. You would love my grand-daughter. Love, Jaci
Posted by:
Jacqueline | August 17, 2008 6:42 AM
I recently moved to Newport Beach, CA from a small town in Utah, located about 1 and 1/2 hours away from Las Vegas.
My career has been in the Art Industry for almost 10 years now. I have had the opportunity to build beautiful art galleries for company's (desert community development) wanting to incorporate that in their vision. I have lived fine on that income.
Last June I was paid out for my last gallery and promised myself I would take the summer off to enjoy my 2 daughters (9&5). We had spent many hours focusing on building this gallery. I paid off my debt, pre-paid a 6 month lease on a home, and moderately lived for the summer break of the girls school year. Which saved me money in childcare.
I was in the process of evaluating 3 different business proposals, one that would take me to CA. Long story short, I took the one in CA. This one being closer to the girls fathers (my ex-partners). This was a request by the fathers, with them wanting to help with care & support for me & my career. The position in CA, wasn't funded and had internal problems I wasn't willing to commit to.
So my daughters are in school here in Newport Beach, we know nobody (friends or family), fathers defaulted on commitment, and I'm completely consumed with the running back & forth to the school for pick up at kindergarten time and fourth grade time.
How do I financially support myself when I don't have enough me to do the mom part & make the income for the family. The amount of $ it takes to pay for a person to do the driving to take & pick up girls, and care for them, is more than I'm able to make in pay. I have to be with a company for years before I get the money it will take to balance out the A/P-A/R. What do I do?
Posted by:
Sarah | April 25, 2008 12:46 AM
hey tyra omg i love you so much!!!!! My name is vardui lol i know its hard to pronounce!! well my sister is just recently got engaged and she maxed out allllllll her credit cards and shes 10,000 dollars in depth. She recently lost her job and now she has nuthinnnnggg!!im 19 years old and i work for 8 dollars an hour and i can nottt support both of us i have school to pay for and i myslef has depth but im hanging in here somehow!! my parents dont work there to old so basically were having so much trouble is there any advice you can give me tyra i really need some advice especially yours thank you soo muchhhhh
Posted by:
Vardui | April 15, 2008 4:59 PM
Good evening Tyra I just finished watching your show on "How to get the job of your dreams!" It was very encouraging in that I am recently trying to get my business going a little faster. My company is named God's Love, Inc. it is a homemaker service. The services that I provide is cleaning homes (general and thorough cleaning)also provide transportation. The desire for the business developed from the need of someone to cater to individuals living on their on with physical diabilities that are not elderly. In the city of Kokomo, IN which it is difficult for young individuals with physical disabilities to receive the proper transportation or someone to assist in keeping their home clean without sending their money.There are a few companies that offer transportation but is not convenient to individuals living on a fixed income. I have already completed the paperwork needed to assist in this situation. The paperwork includes receiving a license from the state of Indiana and a wavier to bill medicaid/medicare to cover the cost of services provided. The biggest issue is how to generate revenue to purchase the license, insurance and other things needed to make my dream jod reality! Is there any advice that you can give to increase my revenue situation?
Posted by:
LaTasha | April 15, 2008 3:34 PM
Hi Tyra,
I just watched your show on the woman who became millionairs. I have been a very very hard working woman. I have been divorced now for 12 years. I have been successful in taking care of myself and my disabled son. I have had a very difficult time lately financialy and personaly. I am about to loose my home and not because I am not a hard worker. Michigan economy took a terrible turn and I am right in the target zone. I have been working very hard to turn this around with no success. I am having to file bankrupcy and loose all that I have. Recently my dog was killed I am so sadden about her being gone she was the one stable thing in mine and my sons life. My son is 24 not able to work because of his disease. It is very difficult because I care for him and try to take care of myself. I can not find a lasting relationship because of my son's disability. He is very difficult to handle. He has had 2 brain surgeries and might be having another one soon. I am broke and do not even have the money to file bankrupcy. My family brothers and sisters and father do not help me with my son. I feel so alone and now to have the burden of finacial problems to say the least is difficult. I was wondering who the company you had that found the woman job interviews on your show. I have applied to several jobs with seveeeral job interviews and no success. I am a business owner in the sales industry but sales are down and I have lost over 10,000 a month income. With no means to continue on. This company I started from the ground up and was making a 6 figure income. Is there any help out there for me?
Angel
Posted by:
Loreen | April 15, 2008 1:12 PM
I ask for your assistance with if possible l' Mrs Oprah helps to make a surprise with this lady which m' helped much
that god protects you
Posted by:
maf | April 15, 2008 9:23 AM
hello tyra,
how are you doing?iove your show alot.i just want to know how can i be able to get another retail job? i gve birth to my baby girl that is going to be two this year,but because i use to have a retail job but it was in the night for about 4 years but after when my mat leave was over i had to give it up because my daughter father was working night and is making more money than me so that why.but from that time i'm looking fora full time retail job and i cant sinces to find any that i love so i would like to know if you can help me to find one but i'm living in toronto,canada.
so i hope you hear from you
marion.
Posted by:
marion | April 15, 2008 9:22 AM
after several voyages to the United States I note that j' like this country. j' met a formidable lady who m' helped much when j' was hospital and j' would like to live at side d' it especially to do it a surprise in l' announcing this news
Posted by:
mafory | April 15, 2008 9:18 AM
several voyages to the United States only for you meet and especially to make a decision relating to me because I suffer enormously.
I live in Paris/France
Posted by:
mafory | April 15, 2008 9:00 AM
Tyra please help. I am so tired of living from paycheck to paycheck. I am currently a manager for a popular retail corporation and the store is located in ruff neighborhood. I bring home about $1100.00 every 2wks. Which is not bad. However I know I am worth more. I want to live comfortable and I want the best for my children. I have so many ideas and so much that I would like to invest in. But my finances do not match. I was encouraged by your show today and was impressed with the financial advisor's advise.
r
Posted by:
Niyo | April 15, 2008 8:42 AM
Hi ,Tyra! I'm a divorced woman, I have a 10 year old son, and Í'm strugling to pay my debts. The mortgadge of my apartment is (a total of)135.000 euros and have to pay per month 560 euros for it, and other 165 euros per month for another personal credit. My income is about 1190 euros a month, and I still have to pay the extracurricular activities of my son, and half of my budget goes to the gas I need to put in the car to go to work. My ex-husband doesn't help with the education of my son and he ows me about 10.000 euros. I need serious help.
Please can you help me?
I'm a fan of your show, and I would like to ask for your permission to send you an oil painting of you, made by me, and if you like it maybe you can help me getting customers or orders. Thank you for your attention and God bless you.
Posted by:
Fátima | April 15, 2008 7:00 AM
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Posted by:
mona | April 15, 2008 6:37 AM
Hii thaxs for your advice about debts,i have once try your tips and it worked for me,and that is what am using now and i have manage myself so well.Thaxs chaoos
Posted by:
LINA | April 15, 2008 5:42 AM
hey tyra i love your show girl.i hope to meet you one day because you are just so beautiful.i love the fact that you are always so cheerful and happy about life. i am from SouhAfrica and let me tell you something we love here and it would be our pleasure if you came down here.love precious
Posted by:
Precious | April 15, 2008 4:49 AM
hallo tyra just wanted to say hi and i like your shows...am 19 doing my fourth year in kenya and i would really wish meeting you face to face..i do not have much as per the moment but do me a favour and pass my shout outs to your fans around the globe..i would really wish to start a career with you in vidoes and editing but it is just that i can't make it to your show but anyway it is a pleasure sending you this mail much love from all kenyan fans bye.
Posted by:
paul | April 15, 2008 3:33 AM
HOW TO STAY OUT OF DEBT!!!
If everyone knew the answer to that, no one would be having financial problems. The problem is, some of us know what the answers are and don’t follow them, but some of us just don’t know. We’re guilty of not planning and thinking we can do more than what we really can. The sad part is that most of us are just one paycheck away from bankruptcy – if we were to be laid off, we would have no cushion to protect us. With today’s economy and the uncertainty of jobs, everyone should have at least two months’ pay in a savings account.
The original question was how to get out of debt. The first thing to do is get rid of the credit cards – at least until you pay them off. Develop a plan where you pay one off, and then add what you were paying on the other to the second, and so on until you have paid off every bill you have. During this period, you also want to avoid adding any new debt or increasing any other payments in any way, including moving to an expensive house or apartment, or even adding a cell phone if you don’t already have one. Pay off all the old debt before you add anything new.
Once the debt is paid, you have to develop a plan to stay out of debt. If you’re a person that likes to shop, then either stay away from the credit cards, or have their credit limits reduced so they become an “emergency” tool. Get into the habit of not charging anymore than you can pay off when the bill cycles unless it’s an emergency, and that doesn’t mean a new pair of shoes or jeans. We’re talking about a car that doesn’t run, or a sick relative out of town, or maybe an out of town wedding that wasn’t planned early enough for you to save money. You must also start saving money every payday so that if something does come up, like the out of town wedding, you have the money in the savings account to cover it without using any credit cards.
Keep your spending to a minimum. You don’t have to go out to dinner three or four times a week, and even if you find yourself running late and don’t feel like cooking, at least go to the supermarket and buy something to put in the microwave. It’s cheaper than stopping at McDonald’s and better for you as well. Take your lunch instead of eating out to save money. Certainly, you can go out to lunch or dinner occasionally, but limit it to once a week for each. If you tend to be a “stop on the way to work for breakfast” person, break that habit, too, and start buying things at the grocery store that you can take to work and eat.
It sounds like a lot to give up, but if you want to stay out of debt, you have to make some sacrifices. You have come this far, and you don’t want to get back to where you were. Follow the plan, and you will find you have more money for the things that you need.
I think if you read the above you could gradually work your way out of debt.
If anyone has any questions about this or anything else please email me like so many of use already have about your problems!
Comments
Tyra, I have to be completely honest with you. I think you are the most beautiful, talented, and quite personal about your personal life, you amaze me! But I can't watch your show very ofter, because I am 55, flabby, no teeth, (do to vomiting) very depressed, a worrier, been in and out of the hospital so many times, I couldn't count! I of course think I am very ugly! My husband of 37 years, tells me I have always felt that way. I don't want sympathy, it wouldn't do any good, it is just hard for me to watch someone so beautiful, not care if they make a mistake, and if you do, you laugh, and we laugh! I have a 33 year old daughter, that has drained us financially, she won't hold a job, and loves hydrocodone. She has a beautiful 10 year old daughter, that was born without a thyroid, and is legally blind in her left eye. Also, she has something called DeWaynes Syndrome. My other two grand-children are wonderful. My son and daughter-in-law are wonderful parents! She and her brothers girlfriend just got back from taking them to Walt Disney World! Oh how I wanted them to ask my other grand-daughter. She couldn't understand. She repeated third grade last year, and they found out she had ADD, not the hyper one. She is also over-weight, doesn't want to go to the parks, because kids make fun of her. But I am telling you the truth, God has kept me alive, to take care of her! When I got a staph infection through my port and it went through my blood stream, and it was so bad, all I could think of, is get better for my grand-daughter. She needs me and her grand-pa. We have spent thousands on them, trying to give them a place to live, we buy groceries every night for supper for them. If my grand-daughter is with us, we don't worry about it. I am so sorry for feeling that way, but if you knew my daughter, you would understand! My son and daughter-in-law works hard everyday, and they will not let their two kids go down there. I don't even want to get out of the hospital bed, and I am only 55!! But my grand-children and my husband are my life! What my grand-daughter has, from school clothes to webkinzs, have came from us! My daughter cannot afford anything. Now I own three tops to my name. (That's enough, because I only go to the doctors!) I give up so much for my grand-daughter. My husband on the other hand has had it. He is ready to try to get custody of my grand-daughter, but with my health problems, it is unlikely. To top it all off, she knew I was going to try and get her, because at one time, she was leaving her in the middle of the night, (a male room mate was there) and she was going to another town to do hard drugs. They showed up at the hospital when she got sick. I am at wits end. I can't let her move back in. My grand-daughter stays alot, but my daughter bribes me. I don't know what to do. My mom when she was alive, always tried to keep peace, but she died at the age of 53, and my sister died at the age of 44, do to breast cancer, that had spread. I have no one to talk to, and I am a mess. I have had several nervous breakdowns, when once I was in for six weeks. Now that has been years ago. So, I have always wanted to see the ocean before I die. Then I thought, I would like to have some teeth and glasses, then I thought some more, I don't want to leave my husband in this financially bind. He knows nothing about paying bills. He would if I was gone, and the lights went out, and he had no TV, ha! Here is another thing. My daughter said she has a document wrote up, that my grand-daughter's dad's sister, gets my grand-daughter if anything happens to my daughter. Her and my grand-daughter's dad were never married. Now her aunt lives two hours away, and has been to our city once in ten years to see her! ONCE! Now she has been up there, but I couldn't take it! When she moved up there, my husband would drive over half way and get her for the week-end, and she wanted to live with us so bad. Now I don't really know, because her mom is bribing her with kids staying all night, so she will stay home. About a month ago, I let a friend come here, and decided to let her spend the night one time to see how it goes. Her mother through a fit, said my grand-daughter had to go home, if I didn't get rid of the little girl. It was the hardest thing ever to tell the little girl she had to go home! I am minding a 33 year old "deamon" that has sucked the life, what's left out of my husband and me. Last time there was a fight two hours away where they were living, we hurried there, it was 2:00am in the morning, when we got there, and all I could do is cry and pray that my grand-daughter was there and not in a foster home! So all of this has really made my husband dis-own our daughter. It cost a $1000.00 cash to get her out of jail, and it isn't over. Now everyone says, don't eat at McDonalds, etc. to save money. Well that is true. But when my mom died in 1983, we paid for the funeral. When my sister died in 1996, we paid for the funeral. When my father died in 1997, we paid for the funeral. We have been very poor, and my father was self-employed, which insurance was so high, and you couldn't afford the best. It has been terrible. After mom died, I took care of dad for thirteen years. Mowing, cleaning, groceries, bill paying, etc. When he found out he had cancer, I took him to all thirty-three radiation treatments. Plus when he went into a nursing home from the hospital, I never left his side, even though he was very mean to my mother (abusise) and me. I don't know why I am writing all this. I was going to pick something I would want. But the way I look, I don't go anywhere. I cry all the time over bills. Over my grand-daughter. And over my husband, who has been with me through everything, including all the surgeries, the one that lasted 10 hours, and took care of me at home. Right now I am doing pretty good, just so depressed. I have tried everything. I am having seizures now, and I can't go swimming, which we had a above ground pool, but had to get rid of it. I haven't drove for years, so that wasn't anything new. I just have to say, Tyra, you are one in a million! I have watched your show. (The breast exam!) You are just so beautiful and talented! I hope I didn't bore you. You would love my grand-daughter. Love, Jaci
Posted by: Jacqueline | August 17, 2008 6:42 AM
I recently moved to Newport Beach, CA from a small town in Utah, located about 1 and 1/2 hours away from Las Vegas.
My career has been in the Art Industry for almost 10 years now. I have had the opportunity to build beautiful art galleries for company's (desert community development) wanting to incorporate that in their vision. I have lived fine on that income.
Last June I was paid out for my last gallery and promised myself I would take the summer off to enjoy my 2 daughters (9&5). We had spent many hours focusing on building this gallery. I paid off my debt, pre-paid a 6 month lease on a home, and moderately lived for the summer break of the girls school year. Which saved me money in childcare.
I was in the process of evaluating 3 different business proposals, one that would take me to CA. Long story short, I took the one in CA. This one being closer to the girls fathers (my ex-partners). This was a request by the fathers, with them wanting to help with care & support for me & my career. The position in CA, wasn't funded and had internal problems I wasn't willing to commit to.
So my daughters are in school here in Newport Beach, we know nobody (friends or family), fathers defaulted on commitment, and I'm completely consumed with the running back & forth to the school for pick up at kindergarten time and fourth grade time.
How do I financially support myself when I don't have enough me to do the mom part & make the income for the family. The amount of $ it takes to pay for a person to do the driving to take & pick up girls, and care for them, is more than I'm able to make in pay. I have to be with a company for years before I get the money it will take to balance out the A/P-A/R. What do I do?
Posted by: Sarah | April 25, 2008 12:46 AM
hey tyra omg i love you so much!!!!! My name is vardui lol i know its hard to pronounce!! well my sister is just recently got engaged and she maxed out allllllll her credit cards and shes 10,000 dollars in depth. She recently lost her job and now she has nuthinnnnggg!!im 19 years old and i work for 8 dollars an hour and i can nottt support both of us i have school to pay for and i myslef has depth but im hanging in here somehow!! my parents dont work there to old so basically were having so much trouble is there any advice you can give me tyra i really need some advice especially yours thank you soo muchhhhh
Posted by: Vardui | April 15, 2008 4:59 PM
Good evening Tyra I just finished watching your show on "How to get the job of your dreams!" It was very encouraging in that I am recently trying to get my business going a little faster. My company is named God's Love, Inc. it is a homemaker service. The services that I provide is cleaning homes (general and thorough cleaning)also provide transportation. The desire for the business developed from the need of someone to cater to individuals living on their on with physical diabilities that are not elderly. In the city of Kokomo, IN which it is difficult for young individuals with physical disabilities to receive the proper transportation or someone to assist in keeping their home clean without sending their money.There are a few companies that offer transportation but is not convenient to individuals living on a fixed income. I have already completed the paperwork needed to assist in this situation. The paperwork includes receiving a license from the state of Indiana and a wavier to bill medicaid/medicare to cover the cost of services provided. The biggest issue is how to generate revenue to purchase the license, insurance and other things needed to make my dream jod reality! Is there any advice that you can give to increase my revenue situation?
Posted by: LaTasha | April 15, 2008 3:34 PM
Hi Tyra,
I just watched your show on the woman who became millionairs. I have been a very very hard working woman. I have been divorced now for 12 years. I have been successful in taking care of myself and my disabled son. I have had a very difficult time lately financialy and personaly. I am about to loose my home and not because I am not a hard worker. Michigan economy took a terrible turn and I am right in the target zone. I have been working very hard to turn this around with no success. I am having to file bankrupcy and loose all that I have. Recently my dog was killed I am so sadden about her being gone she was the one stable thing in mine and my sons life. My son is 24 not able to work because of his disease. It is very difficult because I care for him and try to take care of myself. I can not find a lasting relationship because of my son's disability. He is very difficult to handle. He has had 2 brain surgeries and might be having another one soon. I am broke and do not even have the money to file bankrupcy. My family brothers and sisters and father do not help me with my son. I feel so alone and now to have the burden of finacial problems to say the least is difficult. I was wondering who the company you had that found the woman job interviews on your show. I have applied to several jobs with seveeeral job interviews and no success. I am a business owner in the sales industry but sales are down and I have lost over 10,000 a month income. With no means to continue on. This company I started from the ground up and was making a 6 figure income. Is there any help out there for me?
Angel
Posted by: Loreen | April 15, 2008 1:12 PM
I ask for your assistance with if possible l' Mrs Oprah helps to make a surprise with this lady which m' helped much
that god protects you
Posted by: maf | April 15, 2008 9:23 AM
hello tyra,
how are you doing?iove your show alot.i just want to know how can i be able to get another retail job? i gve birth to my baby girl that is going to be two this year,but because i use to have a retail job but it was in the night for about 4 years but after when my mat leave was over i had to give it up because my daughter father was working night and is making more money than me so that why.but from that time i'm looking fora full time retail job and i cant sinces to find any that i love so i would like to know if you can help me to find one but i'm living in toronto,canada.
so i hope you hear from you
marion.
Posted by: marion | April 15, 2008 9:22 AM
after several voyages to the United States I note that j' like this country. j' met a formidable lady who m' helped much when j' was hospital and j' would like to live at side d' it especially to do it a surprise in l' announcing this news
Posted by: mafory | April 15, 2008 9:18 AM
several voyages to the United States only for you meet and especially to make a decision relating to me because I suffer enormously.
I live in Paris/France
Posted by: mafory | April 15, 2008 9:00 AM
Tyra please help. I am so tired of living from paycheck to paycheck. I am currently a manager for a popular retail corporation and the store is located in ruff neighborhood. I bring home about $1100.00 every 2wks. Which is not bad. However I know I am worth more. I want to live comfortable and I want the best for my children. I have so many ideas and so much that I would like to invest in. But my finances do not match. I was encouraged by your show today and was impressed with the financial advisor's advise.
r
Posted by: Niyo | April 15, 2008 8:42 AM
Hi ,Tyra! I'm a divorced woman, I have a 10 year old son, and Í'm strugling to pay my debts. The mortgadge of my apartment is (a total of)135.000 euros and have to pay per month 560 euros for it, and other 165 euros per month for another personal credit. My income is about 1190 euros a month, and I still have to pay the extracurricular activities of my son, and half of my budget goes to the gas I need to put in the car to go to work. My ex-husband doesn't help with the education of my son and he ows me about 10.000 euros. I need serious help.
Please can you help me?
I'm a fan of your show, and I would like to ask for your permission to send you an oil painting of you, made by me, and if you like it maybe you can help me getting customers or orders. Thank you for your attention and God bless you.
Posted by: Fátima | April 15, 2008 7:00 AM
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Posted by: mona | April 15, 2008 6:37 AM
Hii thaxs for your advice about debts,i have once try your tips and it worked for me,and that is what am using now and i have manage myself so well.Thaxs chaoos
Posted by: LINA | April 15, 2008 5:42 AM
hey tyra i love your show girl.i hope to meet you one day because you are just so beautiful.i love the fact that you are always so cheerful and happy about life. i am from SouhAfrica and let me tell you something we love here and it would be our pleasure if you came down here.love precious
Posted by: Precious | April 15, 2008 4:49 AM
hallo tyra just wanted to say hi and i like your shows...am 19 doing my fourth year in kenya and i would really wish meeting you face to face..i do not have much as per the moment but do me a favour and pass my shout outs to your fans around the globe..i would really wish to start a career with you in vidoes and editing but it is just that i can't make it to your show but anyway it is a pleasure sending you this mail much love from all kenyan fans bye.
Posted by: paul | April 15, 2008 3:33 AM
HOW TO STAY OUT OF DEBT!!!
If everyone knew the answer to that, no one would be having financial problems. The problem is, some of us know what the answers are and don’t follow them, but some of us just don’t know. We’re guilty of not planning and thinking we can do more than what we really can. The sad part is that most of us are just one paycheck away from bankruptcy – if we were to be laid off, we would have no cushion to protect us. With today’s economy and the uncertainty of jobs, everyone should have at least two months’ pay in a savings account.
The original question was how to get out of debt. The first thing to do is get rid of the credit cards – at least until you pay them off. Develop a plan where you pay one off, and then add what you were paying on the other to the second, and so on until you have paid off every bill you have. During this period, you also want to avoid adding any new debt or increasing any other payments in any way, including moving to an expensive house or apartment, or even adding a cell phone if you don’t already have one. Pay off all the old debt before you add anything new.
Once the debt is paid, you have to develop a plan to stay out of debt. If you’re a person that likes to shop, then either stay away from the credit cards, or have their credit limits reduced so they become an “emergency” tool. Get into the habit of not charging anymore than you can pay off when the bill cycles unless it’s an emergency, and that doesn’t mean a new pair of shoes or jeans. We’re talking about a car that doesn’t run, or a sick relative out of town, or maybe an out of town wedding that wasn’t planned early enough for you to save money. You must also start saving money every payday so that if something does come up, like the out of town wedding, you have the money in the savings account to cover it without using any credit cards.
Keep your spending to a minimum. You don’t have to go out to dinner three or four times a week, and even if you find yourself running late and don’t feel like cooking, at least go to the supermarket and buy something to put in the microwave. It’s cheaper than stopping at McDonald’s and better for you as well. Take your lunch instead of eating out to save money. Certainly, you can go out to lunch or dinner occasionally, but limit it to once a week for each. If you tend to be a “stop on the way to work for breakfast” person, break that habit, too, and start buying things at the grocery store that you can take to work and eat.
It sounds like a lot to give up, but if you want to stay out of debt, you have to make some sacrifices. You have come this far, and you don’t want to get back to where you were. Follow the plan, and you will find you have more money for the things that you need.
I think if you read the above you could gradually work your way out of debt.
If anyone has any questions about this or anything else please email me like so many of use already have about your problems!
My email address is:
becky_parle@hotmail.com
.Rebecca.
Posted by: | April 14, 2008 7:15 PM