The cost of running a car is a significant burden on a lot of household budgets: Gas costs are high, not helped by the instability in the Middle East that looks to be a characteristic of the political panorama that is going to be with us for most time.

Current inspections in the press suggest that some groups of friends are picking to burn the car to conserve money. While the price of motoring regularly seems to be rising, there are most other options to cut the price, various than waving goodbye to the wheels. Some of the other options to save money is by getting the right kind of insurance. People should learn to cut back on their expenses than looking into voluntary repo, it will literally destroy your purpose and business in life.

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Where to start?

Well, let me start by saying that I commend you for your effort and diligence. I applaud a man willing to sacrifice for his family, and so sir, I applaud you. In no way are you participating in a Voluntary Repo, rather you fighting tooth and nail. You may still loose your home but not before you put up one hell of a fight. I call that backbone and in no way would I criticize you for your efforts.

There are people – people with far less character than you – that will voluntarily stop making mortgage payments just because their home is worth less than they owe. They will forfeit their home not because they can’t make the payments but because they simply don’t want to make them. I consider that cowardly and a far cry from what you are doing.

I can’t speak for all of Ramsey’s product pricing but most of them are actually priced pretty low and he’s always running sales. Check out his web site. His books are routinely $10 and there are plenty of free articles and resources on his site too. Heck, his radio program is 3 hours everyday and free. He offers tons of great advice everyday for free. The first hour is free for download on iTunes. While I applaud your work ethic, I have to say you’re missing the boat on the pricing and availability of free advice, sorry, I’m just being honest with you.

As for me… I’m not selling anything so every article you’ll see here is free. I have free budget downloads and invite you to give them a look. Ask me questions and I’ll do my best to answer them. Click the ‘contact me’ button and send me an email. If that doesn’t work for you, write it in the comments and I’ll gladly spend time with it. I have your email as a result of commenting… post a comment asking me to email you and I will. In the spirit of free advice… I’d encourage you to revisit your mortgage paperwork. Your lender can not restate the terms of your loan on a whim. Even adjustable rate loans have terms that the bank is bound to follow. I encourage you to recheck the interest rate. If you’re at 11.6%…. mistakes have been made. You’ll want to know which are yours and which are theirs.

Keep fighting the good fight. You sound like a hard working man trying to provide. That’s noble. In the meantime, please reach out to me if you have questions I can attempt to answer. I can’t promise a perfect answer, but I’ll tell you what I’d do in your position.

Thanks for commenting!
Dave

You make some good points and I hope I can clarify my position. In general, I think there are 2 kinds of people who files for bankruptcy or who have their possessions repossessed.

1 – there are good folks who fall on hard times and then backed into a corner after doing all they can and while being as honorable as they can through the process, they simply run out of rope. They have to do something to reset the clock and start over. In these instances giving up a house or car or filing for protection under bankruptcy laws is an acceptable (though unpleasant) path to take. Folks in the group never intented or and never wanted to fail on their commitments but thats how their ball bounced. I do have sympathy for these folks.

2 – there are also some bad and lazy folks who only look out for themselves and are looking for an easy way out. I have a family member like this and this perosn went on a shopping spree not long before filng for bankruptcy. There was no fight and working long hours and extra jobs to save their financial name. Rather it was like a joke to them.. spend all the money, keep all the goods, and wipe clean the debt. If people like this want to be supported on the backs of the masses then I say we put them all in jail or some fenced in encampment so their laziness doesn’t hurt so many other folks.

Now the folks in group 2 are often beyond help… or at least the help that I can give because they first have to want to help themselves. Folks in the first group can help themselves by starting to remove debt from their lives. You are a good example as you don’t use credit cards… that is debt some folks never escape from but you know how it’s done. If more folks in group 1 moved to your example, there would be fewer folks in group 1.

Thanks for returning to comment again, I enjoy it.
Dave