Read previous answers from Gail:

February 2008

• How can we work on a debt repayment plan when we're never working from a positive bank account?
• I've gone from being 'in the red' to actually have a savings account. Now I need to know the next step!
• Do the secured cards actually help [establish a credit history]?
• I was wondering if you had a time frame for when we actually start feeling like we're accomplishing something?
• Should I still consider a [creditor] proposal?
• We would like to know if it would be a better move to have only one bank account with one budget or it will not make a big difference?
• Is it possible to be over-budgeted? I'm just concerned that I may miss my chance for a baby making sure that all my financial ducks are perfectly in a row.
• In an episode of Til Debt Do Us Part - you sent a couple off to a "Supper Club" to assemble prepared dinners. Do you have a link or contact information for the place