The Vine: March 25, 2011
I have debt. Large amounts — enough that I get offers in the mail for debt-reduction services — and I need to do something about it. I have a good job, that pays well, but I still live from paycheck to paycheck and have barely anything in savings. As a single woman in my late thirties, I'd like to set myself up so that I'm not living in brother's spare room in my old age.
Anyway, I have looked into some debt-counseling services before, but I tend to mistrust anyone who approaches me as trying to sell me something. I don't want to just walk into a situation where someone is pushing their solution on me because they are trying to sell a product, I want to find the best solution for my situation.
Can the readers recommend good resources or the type of service that I should be looking for?
Wish I'd never opened that first credit card in college
I have a question about mattress-buying. Not about the type of mattress, but about the haggling process. I've never bought anything that involved haggling outside of a flea market, so I'm not sure where to start or how to go about it successfully.
I think I found a mattress/boxspring set I like, and the store has two prices on it, "List Price" and "Our Price." I've read you can usually negotiate close to 50% off, but I don't know if that's off "Our Price" or "List Price." For reference, the store claims list price is $2100, but their price is $999 ($899 on sale). All I can find on Consumer Reports is basically "mattress prices are very inflated, buy on sale and do some haggling." Also, no two stores sell the exact same mattresses, making comparison-shopping very challenging.
So, I thought I'd ask you, and the readers because The Nation is awesome and usually full of wisdom. I know you can sometimes get the extras "thrown in" for free, but the only extra I need is delivery and haul-away of the old set.
If it matters, I live in Arlington, TX and will be dealing with a chain mattress store.
Thoughts? Words of wisdom? All are appreciated!
Sleeping on the floor is starting to sound appealing!
Tags: Ask The Readers budget 'n' finance retail