Want advice from Dan!

[Leah613]

Hi All
so between husband and me and his small business(he is sole proprietor) i realise we are making some dumb decisions with credit card usage.  I feel we need to transfer to a no commisison for 12 to 18 months, i feel we need to do one where we get more benefit,
maybe all our credit cards- him 3 and me one, should be combined more/
Can i pay dan for a conversation or an hour of his time to guide me?
Rabbi Dan? can you private message me?
much appreciated, struggling to make ends meet in LA!

[Mordyk]

Hi All
so between husband and me and his small business(he is sole proprietor) i realise we are making some dumb decisions with credit card usage.  I feel we need to transfer to a no commisison for 12 to 18 months, i feel we need to do one where we get more benefit,
maybe all our credit cards- him 3 and me one, should be combined more/
Can i pay dan for a conversation or an hour of his time to guide me?
Rabbi Dan? can you private message me?
much appreciated, struggling to make ends meet in LA!

Please, based off your sign off of struggling to make ends meet, please do not open more credit cards.  That doesn't solve your problem.   If you want help with budgeting, figuring out how to cut spending or increasing income etc. Please PM me and I would be more than happy to help out.

[Dan]

Advice?
Follow the rest of LA out to Atlanta, Cleveland, Dallas, Miami or other city with a significantly lower CoL. Unless you're making mega $$$$$$ you'll never get ahead in LA.

[ExGingi]

Advice?
Follow the rest of LA out to Atlanta, Cleveland, Dallas, Miami or other city with a significantly lower CoL. Unless you're making mega $$$$$$ you'll never get ahead in LA.

+10000

[lcm]

+10000

I thought the same is true in ny?

[drosenberg88429]

Hi All
so between husband and me and his small business(he is sole proprietor) i realise we are making some dumb decisions with credit card usage.  I feel we need to transfer to a no commisison for 12 to 18 months, i feel we need to do one where we get more benefit,
maybe all our credit cards- him 3 and me one, should be combined more/
Can i pay dan for a conversation or an hour of his time to guide me?
Rabbi Dan? can you private message me?
much appreciated, struggling to make ends meet in LA!

Mesila.org

[Kobe Bryant]

Hi All
so between husband and me and his small business(he is sole proprietor) i realise we are making some dumb decisions with credit card usage.  I feel we need to transfer to a no commisison for 12 to 18 months, i feel we need to do one where we get more benefit,
maybe all our credit cards- him 3 and me one, should be combined more/
Can i pay dan for a conversation or an hour of his time to guide me?
Rabbi Dan? can you private message me?
much appreciated, struggling to make ends meet in LA!

Please, based off your sign off of struggling to make ends meet, please do not open more credit cards.  That doesn't solve your problem.   If you want help with budgeting, figuring out how to cut spending or increasing income etc. Please PM me and I would be more than happy to help out.

You can PM me as well. Glad to be of assistance.

[Leah613]

Hi All
my point was not we are totally broke and need mesila which BH we did in the past,. my point is i want some quick advice rather than looking through thousands of posts about credit cards. as I think we are making some dumb decisions based on ignorance. need to find out how to collaborate them in the most efficient and dont have  much time (special needs kid etc)
and to all who say leave LA trust me its not possible with our circumstances and btw this is a makom torah and makom chesed and makom kiruv and i lived in many places in the USA and europe and Israel and and altho theres messed up politics and messed up crime here theres such a beautiful makom torah anyone wanna coem visit, pm me....oh and btw did you know that 70% of the money spent by medicaid nationally gores to programs in california so w a special needs kid CA is tops for benefits (and NY).  meanwhile still wd love soeme simple sadvise on how to minimize oru credit cards and transfer balance to zero interest for a while thanks in advance

[Leah613]

Advice?
Follow the rest of LA out to Atlanta, Cleveland, Dallas, Miami or other city with a significantly lower CoL. Unless you're making mega $$$$$$ you'll never get ahead in LA.

plz see my latest post thanks Dan (above this)

[ExGingi]

I thought the same is true in ny?

....oh and btw did you know that 70% of the money spent by medicaid nationally gores to programs in california so w a special needs kid CA is tops for benefits (and NY).  meanwhile still wd love soeme simple sadvise on how to minimize oru credit cards and transfer balance to zero interest for a while thanks in advance

I had no clue about CA and LA. But I know that the type of government support given in NY is probably unmatched (goes beyond Medicaid and Essential Plan. Just think of how many people are employed by Yeled V'Yalda and similar organizations)

[WonderingYid]

Hi All
so between husband and me and his small business(he is sole proprietor) i realise we are making some dumb decisions with credit card usage.  I feel we need to transfer to a no commisison for 12 to 18 months, i feel we need to do one where we get more benefit,
maybe all our credit cards- him 3 and me one, should be combined more/
Can i pay dan for a conversation or an hour of his time to guide me?
Rabbi Dan? can you private message me?
much appreciated, struggling to make ends meet in LA!

Any update on this?