Education Commons^™

Heg83-183 Negotiating With Creditors, Kathleen Prochaska-Cue

University of Nebraska-Lincoln Extension: Historical Materials

At some time, almost everyone gets behind in paying a bill. This publication offers suggestions about how to deal with creditors during those times.

The Problem

Due to some unexpected event, you are behind on your bills and don't expect to be able to catch up in the next month or two. You may have lost your job, or have had large medical bills.

You make promises to pay you can't keep; checks bounce, or you receive threats from creditors (people to whom you owe money) that they will sue or turn the account over to a collection agency.

Your …

Heg83-177 Budgeting Systems When There Are Two Earners In The Household, Kathleen Prochaska-Cue

University of Nebraska-Lincoln Extension: Historical Materials

This publication describes various ways of managing the income of two earners in the same household, including the advantages and disadvantages of each.

Two earners in the household pose additional problems for the money management system. Should each person have money that is not accountable to the other -- money that is one's own? How are the bills to be paid? Should they be divided down the middle with each spouse taking responsibility for separate items (one gets the mortgage, the other the car payment), or is one partner responsible for all the basics and the other for the frills? …