Recently, I’ve been enjoying Ask MetaFilter, a site that’s much like a more mature version of Yahoo! Answers. Users ask questions and receive sensible, well-written answers from the community. It costs a small fee to ask questions (and also to be able to answer questions), which is how they keep out some of the less desirable community elements.

Anyway, I’ve thoroughly enjoyed many of the money-related questions on Ask MetaFilter. I strongly encourage you to spend a bit of time browsing through these, but I thought I would also share ten of my favorite recent questions (and answers) along with my thoughts on them.Advice on trading credit card debt for other forms of debt If a high interest credit card is eating you alive, there are a lot of options.

Why would I need $80K in credit? The short answer is that you don’t need $80,000 in unsecured credit. Credit companies are willing to provide this much in the hopes of making a lot of money in finance charges.

I’m poor; how can I have an affordable wedding and honeymoon? Lots of good ideas here. For our wedding, we had a lot of family pitch in to help us make a great day.

What’s the best credit option for buying a new computer? Pay cash? That’s what I did; I did pay for it with a credit card, but I paid off the balance the day after the card was charged and racked up a whole lot of bonus points on my card.

How do I spend gift money responsibly? Pay off debts before anything else; if that’s taken care of, invest it in stocks for the future.

My debt is making me depressed. I wrote a bit about money and depression a while back, but in an extreme case like this one, some radical lifestyle changes are in order.

How do I clean up my credit quickly? There’s no quick way to clean up your credit. The best thing you can do is pay down any outstanding credit card debt that you have.

How do I own up to the IRS for a mistake? Admit it and pay the penalty, basically. The nicer you are about it, the easier it will be for you.

What do I do with $1,200 more a month? My advice? Build up an emergency fund, then pay off your debts, then start investing until the gravy runs out.

What’s the best way to start learning about investing? Read The Simple Dollar, of course! Actually, the key is just reading; stop by your local library and start going through the investment books.