 How can a 13 year old from New Jersey earn $3000 dollars in 1 month? |
| I want to go on a trip to Spain and my mom says I have to make the money myself. ( I Know its evil, She doesn't want to pay any money.... |
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 If i repo my car and pay all fees will it still be on my credit? |
| so if i was to get my car repoed and i pay all these fees will it still go on my credit report and affect it negatively? Also, is there anyway that I can turn it back into the dealership and work ... |
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 Help!! We are in a financial downfwall, what should we do?? |
| AHHHH!!! We have just been married, purchased a house and have moved in. However, when planning my budget I underestimated the cost of additional furniture and amenities to furnish the house. I do ... |
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 Debit Cards? |
I use RBC bank if that makes a difference in the question im asking....
but, you know how you have limits on your debit cards, like $20.00 or $100.00....
does that only apply to you ... |
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 Am I still responsible for 15 yr. old personal loan not paid and charged off? |
| I took out a personal loan 15 yrs. ago for about a $1000 that I blew off and never paid. Now I'm getting a notice from a collection agency that wants the money back plus another grand in ... |
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 Is there any way out of our financial nightmare?!? |
This is a long one so bare with me!
About 3 years ago now my partner and I bought a flat. We were first time buyers and had no savings but were desperate to get on the property ladder so ... |
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 Is it ok to throw away your bank statements from a previous bank? |
| I just switched my banks, and I was cleaning out my stuff and I have ALOT of old bank statements (it just shows the transactions Ive made and stuff) but I wasnt sure if I should keep them or is it ... |
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 Ok, so I'. 13 (almost 14) and I'm trying to find away to earn some extra cash...? |
| So I'm really into fashion (high fashion, not stupid trashy teenager fashion.) and I've been designing, cutting, sewing for ages. Lately I've really been low on cash. (since it was C... |
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 Why do banks get away with ripping off their customers? |
| We all have to have a bank account these days. The days of getting your wages in cash are long gone. So we are all at the mercy of the banks. I changed jobs recently and when asked for my bank ... |
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 Kids make money fast?? |
My daughter( 12 years old) needs to raise £300 before april begins.Help!
Additional Details
For Christina,my daughter wants to hire a limo for er thirteenth ;)... |
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 What happens to my mortgage if Countrywide goes into bankruptcy? |
I read in the news that shares fell, and company could declare bankrupcy..would my mortgage(s) be affected as far as terms/rates?
Additional Details
I read this on latimes/cnn/thestreet.... |
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 I have an opportunity to pay off my mortgage- $280,000 left on it.? |
| I feel like I would feel more secure with no debt. My husband would like to invest it - so it will grow. I think we should take the money we usually use for the mortgage payments and invest that. (A... |
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 I need help saving money? |
This is a rundown of what we spend each month, our income and what we have left over:
Rent - 850
Debt Consolidation - 260
Credit Cards - 40
Electric/Gas - 35
Netflix - 1... |
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 How do I get out of debt? |
| I am in debt over my head, my boyfriend helped me rack it up but doesn't think we need to pay it back, It is all in my name and my credit is very high but because I am paying late it is going ... |
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 Can you believe the nerve of the Dept of Social Security, they asked me to get a job? |
| and they tried to insinuate that i was a leech on the country.....i and my wife have never worked but this is how we like it, we like to spend our time at home with our kids, something these so ... |
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coffie | Do anyone have any advise on starting a budget and how? |
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Angela D
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A budget is the way to go, but it isn't neccessary to do so many steps. I personally have followed a budge for 16 years and we own nothing and have everything we want. What I suggest is pay yourself first. Take a specific savings amount out of your check every single pay day. Put it aside... in a no touch account. When it reaches a certain level, divide it in half and pay off a bill. In a few yours, your bills will be gone, you will have a savings and you can attain more goals. NEVER forget to take your specific savings out of each check. Work with what you have left. |
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Danielle K
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Go to http://www.crown.org for information about budgeting.
Or you can go to B&N and ask for books about personal finances. |
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Mindi Bunch
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Get the Dave Ramsey "Financial University" budget program. We started the program less than a year ago and have already eliminated more than HALF of our debt! I swear by his teachings and recommend it to everyone. It is pricey, but it pays for itself in the first month. You'd be amazed at how well it works. Good luck! |
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Lori A
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Start by keeping a diary of everything you spend for a week or two.
Then use that information, along with your bills to figure out how much you spend, and where you can make changes to improve your situation.
Then you can assign dollar amounts to the different categories such as:
rent, utilities, food, car payment, insurance, medical, gas, credit cards, misc stuff, spending money and savings
Software like quicken or microsoft money can make it easier. |
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rokmon
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I have followed this format very effectively:
To start a budget you need to know how much you are currently spending and making.
The simplest way to do this is to itemize all recurring "non - miscellaneous" bills (mortagage / rent, utilities, college fund, insurances, phone, credit card, etc.). Using a spreadsheet program list these per payment due date. Total this figure which = "non miscellaneous liabilities".
Take your monthly income and subtract your non miscellaneous liabilities to come up with a figure. Hopefully your figure is a positive number to which you can subract any savings income and divide by 4.3. This new figure is what your family can spend on what I call miscellaneous purchases which include food, fuel, entertainment, etc. expenses incurred through the month.
The difference between miscellaneous purchases and non-miscellaneous purchases is that I have more say in the miscellaneous purchases by choosing what and when to buy. The non-misellaneous purchases are more rigid and occur every month with little fluctation as to what is spent.
Once all the data is recorded, you can use a spreadsheet program to "plug" in the data (i usually have a gross miscellaneous number at the beginning of the month) to predict what the coming months have in store for the family from a financial perspective.
Once I can identify financial trends I can make adjustments by how I spend money under the miscellaneous category. |
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homeschoolmom
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Dave Ramsey's website has two different budget forms you can print and fill out - the quickie budget is one page, the monthly cash flow planning is 3 or 4 pages long and quite detailed. |
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older woman
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Write down your total net income.
deduct from that:
rent
hydro
phone
insurance
taxes
food
groceries and basic essentials
credit card bills etc.
What you have after you paid all your bills and put a fixed amount in the bank for a rainy day is free spending. |
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kllr.queen
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List everything you need to spend money on.
Then a list of what you would like to spend money on
You can also list what you would like to save for.
Then make an income list and write down all your different income streams.
Allocate money to the essentials first.
Then some for saving. Even if it is only $1 or $2. The point is to increase the amount of savings you have
Prioritise the things in the wants list last.
Splash money or petty cash is important. Don't forget to leave yourself a bit a $$ for emergencies like running out of milk or something
And don't shut your self up in the house. Make sure you have an outing in the budget.
Once you have done this a few weeks in a row you will get used to it and won't need to work it out all the time |
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Brandysmom
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Keep track of everything you spend for at least 2 weeks.
Count cash on hand, write it down and then keep a notebook of where the money went during the day. Do the same for your credit cards and bank/checking account.
Keep these records up for at least two weeks then do it forever. You will see where the money goes. And how much more you need to make.
Good Luck!
Knowledge/truth is everything. |
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woundshurtless
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io will give you my personal soulutions to every money issue you have ever had, just send me 40 dollars now, and when my adivse gets o you, you will recieve a bill for 40 dollars shipping and handling
but wait theres more, we will send you a free booklet of our famous"get out of debt" flashcards with over 1000 bits of information on how to get of of debt fast and forever |
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lsenn
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First: List on a piece of paper everything you spend, each and every day. Do this to the penny. That way you will see where all your money is going. Take out another sheet of paper and list all of your fixed expenses. These are things that never change, like car payments, rent, etc. Then list all of your variable expenses. This is like groceries, clothes, etc. Your list of daily expenses will help with this list. It is important to write things down. Good luck. |
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LoveMy2J's
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www.daveramsey.com |
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