 Why are pennies copper and all the other coins silver? |
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If the whole face value thing made sense, then why are a nickel, dime and quarter not the same value? Is this where size comes into play?... |
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 Is 170,000 a year alot? |
| Lets say there are three people in the family and we live in ... |
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 Should i spend my money or not? |
Ok, im 15 and i have been saving up for a long time and i have £600 in the bank. There is this new phone i want, that costs £40 per month for 18 months. So all of my money gone.
In ... |
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 How do you get out of debt when you are $2,000 in the hole? |
| My husband and I have had a rough patch and went almost a month with little to no work which put us in the hole by $2,000. Now, he has a good paying job but it pays enough to take care of our present ... |
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 If i earn 20k how much will my monthly salary be? |
I am absolutley clueless when it comes to salaries, tax etc
I really just want to know roughly how much would i earn per month after tax
I know the tax bit will be difficult as ... |
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 How can I turn $30 in $300 quickly? |
| I need to turn $30USD into $300USD. Any Ideas on how that might be done as quickly as possible. Scams need not apply, I already know who you are.... |
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 Does antone know of Bank Accounts that have 5% or more Interest? |
| The ISA's I'v seen all drop to 4.75% after a year. I dont want those.... |
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 Can you raise a family and live off of $20,000/year? |
a family of three mother a father and one child
Rent/mortgage $700/month
student loan payments $300/month
monthly baby expenses $100/month
emergancy account $100/month
... |
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 £ 1 million? |
What would you do for a £1million. Details plz the most bizarre gets 10 points.
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NOT what would you do with a million
WHAT would you do FOR a ... |
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 Is $24,000 - $35,000 a bad salary? |
I found out that my dream job's salary is between $24,000 - $35,000 and I'm not sure if that's a bad salary. By bad I mean should I find a better paying job?
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 How can I learn to live more frugally? |
What tips can you give me on how to cut costs and live more cheaply? as I'm fed up spending WAY too much money on stuff that I don't need?
Cheers.... |
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 Need car loan/refi advice??? Can I get a lower rate? |
| When I bought my 2006 corolla about a year ago, my credit score was 700+ with no major purchases on my record (other than a few $2k limit each credit crds), and my financing rate on the car was at 12.... |
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| How to earn money online? |
have u seen on the tyra show where she said there was a website u can go on to earn money online....i forgot the name of it...i am pretty sure it was the tyra show...
what are some other ... |
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centipede | Any tips on getting out of debt? how can i save money on day-to-day expenses? |
i need to pay of a debt of about 2,500 pounds |
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Number 6
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Check out the money saving websites
eg> http://www.moneysavingexpert.com/
but in the end its all about:
spend less, reduce your household bills, optimise costs re insurance , gas / electric provider etc
Reduce your supermarket bill re buying own brand products etc
Minimise your other bills, use less electric etc
Maximise income, Different job / extra job etc
Minimise cost of any debt, switch to 0% intrest, if you have savings, use that to pay debt
Sell any bits around the house on ebay
Be tight with cash, use any spare cash to pay more of the debt at every available oppertunity.
You can do it ! |
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bud68
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Pay cash only. Leave the credit cards home. |
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andrew 69
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write all your outgoings down then your income for the month.see what you can lose in the outgoings and how much you can afford to pay off your debt in one month at a time.i always find adding a little more too the outgoings to keep ahead,things like petrol,shopping,clothes because these items are what you could save more on than things like the mortgage/rent.you can do it,good luck. |
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KEVIN C 208
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only buy what you realy need. most non brand products are good. discipline with money is a must |
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garstard
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Proper budgeting and good financial discipline. Set yourself a limit on what you need, pay off the important things first, ditch the take away, only buy what you need. |
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xs.essex
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I wish I could tell you there is an easy way but that would just be misleading you. It is much harder to get out of debt than to get into it. It is unwise to borrow your way out of debt - It's a kind of a con as you end up paying more.
You don't say what kind of debt it is. If it is on a credit card, then you CAN borrow cheaper elsewhere to pay off the card, but please take proper advice as it is easy to go wrong.
There is no trick to getting out of debt. It's a slog, doing the bleedin' obvious like never spending more than your income and not buying anything until it becomes absolute top of your priority list. You have to prioritise everything. Like I said, boring as hell but effective. You have to budget for everything you need to buy, including something towards paying off your debt.
If you really cannot pay off the debt in the time scale you agreed, you need to talk to whoever you owe to agree some sort of payment scheme you CAN stick to. It could affect your credit rating and, of course, they don't have to agree to let you pay it off over a longer period. It might be worth getting in touch with a debt counsellor through the Citizens Advice Bureau. Good luck. |
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Goonhilda
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Here are a list of things I do. I'm paying off a mortgage and I'm on minimum wage.
I make my own lunch and take it to work. I make sandwiches and freeze them. I make curries, pasta, and stews and freeze them in plastic microwaveable containers. This alone saves me hundreds of dollars a year. When we cook a stew or fried rice or stirfry for tea, we just freeze any leftovers. This is perfect for when we come home and we're too tired to cook tea. We just microwave leftovers and have an instant meal. It's far cheaper than convenience foods.
I wait til the department stores have their "15% off storewide" sales and I go in and buy washing powder, energy saving lightglobes, and toilet paper. This saves me heaps on what I'd pay at the supermarket.
We don't eat much meat in our house. I'm semivegetarian but my partner eats meat. By cutting down on meat, and replacing it with legumes and eggs, we save quite a bit on our grocery bills.
I have a vegie garden. I can because I have a backyard, but if you're in a flat, you can still grow silverbeet, lettuce, and zucchinis in pots. They don't take too much water and they produce plenty of food for almost free, especially silverbeet.
We're pretty conservative with the heating and cooling. We only put the heater on when it's really cold, and we put up blankets over the windows to keep the heat in. If you only heat or cool the living areas and the bedrooms, and keep the other doors shut, you save quite a lot of energy.
All this stuff works, and it's easy to do. Even if you just take your own lunch to work, that'll save you at least $700 a year (I'm an Aussie, I don't know what prices are like where you are). Just do a couple of things, stay away from the shops so you aren't tempted, and pay the highest interest rate debt first, while making minimum payments on the others. If you're really keen, you'll have it done in no time.
Best wishes. |
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banjet15
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Keep away from credit cards and budget on your incomings. |
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Lynn
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A great way to save is to eat your meals at home, and to make big economical batches of soups, pasta etc. that will last you the week. Saves money, saves energy. Walk anywhere that you can, saves gas plus it is good for your health, which will save on doctor bills. Instead of throwing out coffee grounds save them for you summer garden instead of buying organic matter. Grow your own veggies in the summer and freeze what you don't use. Turn your thermostat down 2 degrees. Insulate any drafty areas like around your windows or doors. There are so many tips out there on the www. You will find many that will be suitable for you.
Take a part time temporary job.
Learn to spend much less than you earn.
Good Luck! |
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honey
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Use the comparsion sites to see if can reduce your electric/gas/insurances/phone bills.
Take a homemade packed lunch to work
Plan your meals, and make a shopping list and stick to it.
Share car journeys with a friend,or walk !
Entertain at home,rather than going out.A dvd and wine from the supermarket is cheaper than the cinema and pub !
Increase your income ,overtime a second job,sell unwanted stuff
good luck |
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?
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buy things when they are on sale (stock up on them if they are shelf stable). printout online coupons. instead of going to the closest branch of a major retailer go to the outlet store (they usually cut the prices by quite a bit). instead of renting movies check out the selection at the library. if you are thinking about a major purchase wait until a major holiday (most stores hold huge sales). shop at thrift/second hand stores. instead of buying a book that you find interesting try to find it at a used book store or get it from the library (most libraries have a policy that lets them borrow from other library systems). to save on gas try taking public transportation if you have the time. instead of buying name brand foods try the no name brands (i cant taste the difference), the no names are usually cheaper. buy in bulk when buying shelf stable foods (normally you save money if you buy the larger size)
i hope these tips help. |
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