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How do I get out of these payday loan scams? They are taking all my money and leaving me with nothing, leaving me to live in the red! Loans suck, and so does credit card debt, but I have to say that I have used payday loans in the past and was just fine. It takes a lot of discipline and planning ahead, but I know that you can do it.

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Do you need to pay off debts? Yup. I have some credit card debt and I owe my parents money for a loan they gave me while I was still in school.

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I have a large credit card debt ($10,000) from when husband was out of work due to an accident. Now that he is back to work we make enough to cover bills with some left over for food, kids' expenses. How can I make a dent in the credit card debt? Pay the minimum payment plus whatever else you can throw at it. Just paying the minimum will get you nowhere fast. I get paid twice a month, so to help chip away at my own credit card debt, I pay the minimum plus a little out of my first check and then whatever I can spare out of my second. That way you get the interest covered and your second payment of the month will be actually paying...

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Do you make enough money to cover all your bills? Thank goodness yes, now. I try to sack away some of each paycheck into an emergency fund just in case.

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Is youth wasted on the young? YES. I'm not even 30 yet and looking back I wish that I could do so many things differently because when you're little you have so much TIME to do whatever you want to. And school is fun! But kids don't appreciate it until they get old and look back and wish that they could do it all over again. Like nap time ... little kids hate nap time. Grown ups? LOVES IT.

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Who would you chose? A friend who accidentally hurt you and apologized or a friend who is not a very good person (totally twofaced) but you have fun with them? The friend that hurt you and apologized. I don't like to waste my time with people who will use me.

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If you had a neighbor that worked in your office, would you car pool to work if your co-worker asked? I would say yes, provided that I knew I wasn't going be tooling around town with an axe-murder or something.

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If you were in management and you came in office later than normal, and another co-worker asked you if you had a doctor's appointment why you came in later, would you be VERY offended by this? Um, no. Unless they started asking me what kind of doctor's appointment it was, because that is none of their business.

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Do you have a co-worker who, when events happen in the office and you are left out of them, do they turn to you and ask you "how you feel?" Would you hate this? Um ... YES. It's like they are going out of their way to point out that you were left out of something, and there is always the chance that you didn't even know it was going on. What a meanie. Although, the office I work in now is small enough that no one gets left out.

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What would you feel if the wives, husbands and other relatives of your co-workers called your office again and again, EVERYDAY, looking for their wives/husbands? Whatever happened to cellphones? I don't mind so much as long as the family members call the extension of the family member they want to talk to. If it got to be excessive, I would probably say something to whomever they are calling. Plus, they're at WORK. Not really the time for chatting on the phone all day anyway.

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If you were sitting in your office kitchen, and you could hear 2 co-workers whispering about you sitting 5 feet away, how would you feel? Like crap. And while I would like to think that I would go over and say something to them, I know that I wouldn't. I probably would just make a huge show of leaving the kitchen so that they realize that I could hear them.

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Would you pay $10 a month to use AB? This is not something that I couldn't live without, so I'm going to say no.

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I think my friend feels its not always convenient to be friends. We could spend a couple weeks of quality time go on dates (as friends only) even cuddle and watch a movie... But then it might be months before I hear from her again. Is this a game? It sounds like you are the guy she runs to when she is feeling lonely. I have some friends like this too ... it sucks. Personally, I would tell you to cut her out of your life. It's not fair that she should expect you to be at her beck and call, when she feels like she has the time. Relationships, including friendships, are a two way street. You deserve someone who will want to...

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Do you think you could go for 1 week without spending any money whatsoever? Not even buying food or gasoline... nothing at all. If I planned for it, yes. I think this would be a fun experiment ...

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Which would be harder to live without, the TV or the radio? Radio!

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I cheated on my boyfriend in the second month of our relationship. Its been a year and he found out about it in month 8. Now he doesn't trust me, and may never again. How can i get him to trust me? I have cheated on my boyfriend, and he in turn has cheated on me. It sucked and was hard, but we knew that it was something that we wanted to work through. I think the best way to deal with this would be to talk to him about it. Explain what happened, why you didn't tell him, etc., tell him how you feel about the whole thing (sad that you cheated, upset and hurt that you think he...