Today I had to file my own police report for this couple because they stole my father's cell phone as he was helping me paint the 2nd floor apartment.

We had an individual click on the ad, and provide us with their name, email and cell phone number along with the notation that by submitting this information you agree to receive emails and text messages etc.Well, I guess this person does not remember this (thankfully this is information we easily keep and have readily available), and had an attorney send us a letter noting their client never signed up to receive notices from us.

Note: it should be easier now than when I started, there were no computers, no internet, no pagers and no cell phones.

Technology is at play in the palm of our hands using our cell phones.

With that, I have a lot to either pay off, consolidate, or a combination of the two.I'm going to break down debt amounts in total and by monthly payment with scenarios of what my DTI may be when paying off certain amounts of debt/accounts.Of course, we wanted to avoid private mortgage insurance, but the primary goal is to get debt paid off so I'm at a good DTI and so I can get my credit score higher for a lower interest rate.We are planning on moving to KC from the Twin Cities area in the early spring, so we're allocating about $3k to moving.So, we have about $40k in savings, including the money we made from the house sale.Income=$24/hr, $3840/moHere's how the debt breaks down.1) Credit card 1: 4021 bal, 183/mo2) Credit card 2: 8032 bal, 218/mo3) Credit card 3: 11084.30 bal, 133.49/mo4) Credit card 4: chase 401.60 bal, 5.04/mo6) Line of credit: 762.36 bal, 0/mo7) Insurance (renter's & auto) 232/mo8) Cell phone 33.14/mo9) Student loan 1: 96.55/mo10) Student loan 2: 126/mo11) Personal loan: 250/mo, about $9k balance13) Line of credit 2: 1900bal, 25.20/mo14) Credit card 5: 463.09 bal, 16/mo =1429.4215) Rent 1100/mo=$2418.42 debt payments per monthSo, $2418.42/$3840=.62979 DTI, or 63%.

Sure, I have a cell phone. but my salaried job will not allow me to use my cell phone while working.

We currently have a google voice account which forwards calls to our private cellphones but that's it, any advise or product recommendations would be appreciated, thanks.

I have no idea if it was MLS or not.My agent texted me to see if I was available, viewed it that afternoon, he talked me down by $20k, made an offer at his suggested price point on the spot using the cell phone docusign app, offer accepted within 3 hours, boom bam done.Now I actually wonder if it was or not... the listing agent worked in the same office as my agent at the time.

There is a way to do this and a simple strategy is to pay bills you currently pay such as your auto insurance, cell phone bill, Netflix or Spotify account via credit card and then set your credit card to auto pay. 

Although you have this as a monthly expense, similar to car insurance, or cell phone bills, items like that, that do not appear on your credit report (with some exceptions), will not be included.