 What if i signed a contract when i was underage? |
When i was 16 i signed a mobile phone contract (stupidly) but the minimum age was 18, i put in a different date of bith and the contract was allowed.
After some time i ceased to pay the bill(... |
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 Can Chase Bank steal my money like this? |
| my business account went negative so Chase took money out of my personal savings, they actually took everything out! $0.00 balance. I think this has to be illegal. Any insight? thanks!... |
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 Whats the fastest way to get rich.? |
| I'm tired of people saying to get a job & go to school, but thats BS! most those people hadn't worked a day in their life. Whats the secret, i want to live awesome, don't you?... |
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 I know someone who is wrongly claiming benefits and is working full time, what should I do? |
someone I know is claiming benefits and is working full time for cash in hand.
I can't help thinking that I have to work full time and have to pay for everything such as my rent and stuff ... |
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 What kind of money do you make? |
What is your job and how much money do you make?
Additional Details
I am an administrator at a clinic with 20 doctors and make 82,000 us per year. I think by sharing what your job is ... |
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 How to get money back? |
| I lent one of my friend nearly 3000$ ,right now he is in another state, I am sending him lot of reminders in email , He promised me to give my money back. He is not picking up my phone and replying ... |
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 How much do you have in your current account right now? |
In pounds sterling please!
Just curious to know what a "working balance" is for other people, and why I keep getting quizzed by staff whenever I go to the bank.... |
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 I have a £1200 overdraft. Whats the easiest way to make some fast money to pay it off? |
| I have a student account with Abbey National and was off sick recently due to a broken ankle which happened at work. During this time I used my overdraft. On the 2nd of September I'd got my bank ... |
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 Does anyone know what the benefits of a cashiers check is vs. a personal check? |
| The reason I ask is because I have agreed to lend a good friend a substantial amount of money and they have requested that I give it to them in the form of a cashiers check instead of a personal ... |
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 What would you say if an unknown person sends you a cheque and want you to take a commission, send the rest? |
| You were approached by a third party through email and asked if you are ready to collect money send by his client, which will be as a cheque to you, and send it to the address he gives later. The ... |
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 Is filing bankruptcy REALLY that bad?? |
| Im 23 and made alot of stupid financial decisions. Im struggling now to make ends meet. I can live w/o filing, but getting a clean slate sure would help. What do you guys think and people that have ... |
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Misti J | Do you have any frugal living tips? |
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fuufingf
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sleep |
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daddy "d"
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Buy generic non-food products like pain reliever, detergent, light bulbs, diswashing liquid, etc. Also, don't go into debt for "toys" like electronics. Save up the money first. No use paying interest on a depreciating asset if you don't have to. |
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barracudasounds
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Prepare all of your food from scratch. Not only is it healthier, it also costs a lot less than buying pre-made, pre-packaged food. Also you can make your own "TV dinners" by making large quantities of food and storing the leftovers in seperate containers in the freezer. When you're in a rush, you can pull out one of your frozen meals and microwave them. This is much cheaper than, and much better than fast food. |
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mergemanry
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simple... divide your purchasing into need and want. And don't lie to yourself about the differences between the two. |
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Northville
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thrift stores, lower temp down at night if you live in the north, buy food on sale, downsize your home, share housing, PB&J for lunch, no coffee shops, water, not juice and pop....Balance your budget. Pay yourself 10% first, donate 10% to charity, save 10%. Use the remaining income to live off of. Remember- God cares about you in this time of struggling. |
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wurldsurf
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Buy a pressure cooker and use it to cook dried beans, and lower priced cuts of meat. Pressure cookers cut fuel costs by reducing cooking times. Buy one that is appropriate to the size of meal you expect to cook. Heavy weight, stainless steel ones are expensive but will last 50 years with proper handling. Boaters have been using them for eons!
Other suggestions: Keep you pantry organized and throw out stuff you can't use or don't like. Keeping organized is the path to economy in this information age. |
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mnkyflip
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simply, just watch what you spend, buy in bulk.... |
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Big R
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There's tons of ways to save money. You're two biggest expenses are you house and car. I live in a nice studio apartment in a nice area for a low price. And I've never made a car payment. I always get a nice clean well used economical sporty car. Take a look at what you spend on and I'm sure you'll find ways you can save. I look for the same thing only for less money. Not cheaper, but less expensive. Cheap is bad. Thrifty is good. Look for value. It's actually fun and results in a better life. |
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Makakio
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LOTS of great ideas here -especially Lassiez-F's. I'll also post about trimming unecessary stuff (like having only basic cable and Netlfix for $40/month rather than premium cable with recording etc etc for $110/month). And owning an optimized cell phone plan versus an unused home phone line (at $40/month). Getting cheaper car insurance. Getting rid of that car payment and buying a car cash (or if need be getting alower car payment). Paying off credit cards to avoid the interest payment. Coupons, eating less, limiting eating out to 1x per week, bulk-buy clubs for generic stuff, avoiding ATM and bank fees at all costs (by using your ATM Visa as a Visa and not an ATM - duh), doing your own nails, going less costly on hair, shopping at Loehmann's, Nordstrom Rack and other non-retail places, not buying name-brand just because you're familiar with the advertising, limiting yourself to online purchases and only IF you can find what you want for less than retail with no tax AND free shipping, etc. There are a ton of ways to lower your fixed and variable costs - it's just a matter of how much you really want to do it (or want that Starbucks or a trip to the mall). |
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DaMan
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I have 101 ways to live frugally.
Click below and give me 10 pts please.
Thanks. Good luck. |
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Brite Tiger
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Try getting a generic brand next time. Every generic medicine I have ever used is just as good as the nationally known brand, but costs much less. For those that need a lot of different medications on a regular basis, the cost can run into a hefty amount.
Don't shop for groceries when you're hungry. You end up buying more than you intended. Make a grocery list before leaving the house. Then stick to it!
Turn off the heat dry cycle of your dishwasher. After the wash cycle, open the door of the dishwasher and let the dishes air dry overnight. This saves money on your power bill, and the dishes dry just as nicely as using the heat function.
Pet accidents can be taken care of with baking soda. If the pet has an accident, sprinkle with baking soda and let dry, then vacuum. The baking soda will take care of the stain and the odor. This is much cheaper than the store pet cleaner, and does just as well.
Heal marks on floors from shoes can easily be removed by using baking soda. Using a wet mop or towel, sprinkle baking soda on the marked area and clean as usual. |
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kj
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Take care of the things you have, no matter if they are expensive or inexpensive. If something becomes ruined, you may not be able to replace it. A favorite loved tee shirt for example. It may have only cost you $10, but if it gets trashed in the dryer you may not be able to find another like it. Hang it up to dry to prolong its life.
I may be slightly compulsive, but I save all sorts of stuff. I'm into arts and crafts and I like to make gifts for family and friends. There have been "broke" times in my life that I was able to pull out all the stuff I needed to make Christmas gifts for everyone. |
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Blicka
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Volunteer at the Salvation Army for free dinner twice a week.
Stop drinking coffee that you don't make at home.
Carry a granola bar in your purse/pocket so you don't pay for a $3.25 muffin at starbucks.
Drink lots of water, keeps you full and if you are doing it right, is free.
Last but not least, become a homeless person...they have almost no costs...but I'm guessing you weren't talking about being that frugal.
Also, stop drinking soda...PERIOD. Is healthy, a lot cheaper (free) and water tastes better anyhow. |
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Lorene
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many on this site.
http://frugalliving.about.com/cs/tips/a/tipfiles.htm |
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TC
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As a farmer, I would say, try to grow some of your own food. Even in an apartment you can plant tomatoes and such in buckets on a patio. If you have a yard, well plant a whole garden and learn to freeze and can. It will save you tons. |
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COCHYN
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Fisrt step is to make sure you are paying the least for the following:
Search for cheapest utility companies (phone, gas, electric)
Find the cheapest mortgage (go to an independent broker)
Get a 0% interest credit card
Other tips:
Buy in bulk, and own brand names if possible
Shop around for larger purchases
Make your own food instead of buying ready meals
Cut down on alcohol- what a waste of money
Buy clothes in the sale, and check out the supermarket ranges for simple items. |
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Laissez-Faire Guy
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Yes.
Look at all your monthly recurring expenses like cable, insurance, membership dues, etc.
As you are paying each one, ask yourself if you really need that service, at that level. Can you get it cheaper from a competitor. Last year I saved in the neighborhood of $1,500 by trimming services I no longer needed, or finding cheaper competitors.
I saved $600 by finding a cheaper auto insurance. If you are a warehouse club member like Costco or Sam's Club, check their web site, as they offer fantastic deals on auto insurance and other services.
I saved $300 a year by switching from Comcast Cable internet to AT&T DSL internet service.
I saved about $225 last year by ditching my cell phone plan and signing up for T-Mobile prepaid cellular. Since I've always been a light user, I end up spending about $6 a month for cellular instead of $25 on a competitors monthly plan.
I also trimmed to a cheaper cable TV plan and some other small stuff too. There's big money to be made by staying on top of all this stuff! |
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AMEWzing
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1. Don't do fast food- besides the health issues, it's a waste of money. Look at how much it costs to buy fast food 3 days in a row, and consider what groceries you could buy for the same money- it's disturbing. Buy groceries!!!
2. Get rid of bills- obvious, sure- but you may be paying for things that you could just as easily go without. Have a premium package for cable or a phone? Downgrade or quit the service altogether. (Just an example.) Many shows can be watched straight off the internet FOR FREE, and a prepaid phone card may be cheaper than using your cell depending on how much you need to talk.
3. Simplify your life- get rid of things that require maintainance like an extra car, learn to live within your means. Check out dollar stretcher, frugal living, cheap meals, etc. through your preferred search engine. |
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spamneggzzz
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Coupons! oh, and use them where you can double! Good luck, :) |
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danielleb
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Two words: Mr. Noodles |
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Neil B
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Save money. Save as much as you can. Put as much as you can into a retirement fund. |
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Kelly Bundy
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dont use the word frugal |
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Geoff W
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don't use crazy words like frugal |
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