I quit a day before payday, a year ago. How do I get my check? |
| Let me make this short. I worked at Old Navy for about three months until two weeks before Christmas of this last year... when I walked out of the store, quitting on the spot. One of the managers in ... |
|
What is a good amont of money to be left with? |
| After all bills and expenses, what is a comfortable amount of money to be left with each month for the average person?... |
|
Am I too frugal!? |
| I am a stay home mom, I have 2 kids with and married for 7 years. We have 150k in cash, 200k in investment, 500k for retirement so far and 400k of equity on the house. I feel that i should save more ... |
|
I'm £30000 in debt with credit cards how can i get my bills reduced monthly? |
I don't want anything that'll risk my home Additional Details I'm a pensioner and i'm looking after my grandkids so cutting down on food isn't an ... |
|
IF you had one million Dollars? |
IF you where given one million dollars and had buy one thing what would it be and it could not be a thing of financial gain Additional Details Remember I said BUY and not give ... |
|
If you lost a cashiers check from the bank and you never gave it to the person, is there a way to trace it? |
even if you don't know the check number? reminder,.. this is not a personal check. This is a bank check. Also, if someone cashed it, can you find out Additional Details HOW? if you ... |
|
I have $10K I can leave in a CD earning 5% or pay off 2 high interest credit cards. What would you do? |
This morning The Husband reads the current news about Yahoo's Panama program and now wants to take $2800 and invest in Yahoo stock, and leave the rest in CD.
From Nenaclose1... |
|
Make a good $4000 quickly? |
| im 17 years old and i work a job that pays 7 bucks an hour, 4 hours a day, 4 days a week. i need 4000 by the end of the summer and only have about 400 now, i wont be able to make it with this job ... |
|
If my parents are in debt...? |
Will I have to pay it off when they pass away? Just found out they are in the hole like $200,000. >:I Additional Details Im a teenager at the moment... if that makes a difference...... |
|
Bank Overdrafting? |
Hey,
I have an account with Washington Mutual, and recently, I have overdrafted, but cause of my carelessness, but because when I logged in, it showed I had certain amount of funds, and ... |
|
What constitutes a "utility bill"? |
Don't worry - I'm not so stupid to realise what a utility bill is!
I've been asked by my credit card company to provide them with a recent utility bill. I live with my ... |
|
Do creditors have the right to take money from your checkings account without your permission? |
| My boyfriend says he won't open up a checkings account because creditors will find his account, and just start taking money out that he owes them without his knowledge or permission. Now, I ... |
|
I need help? |
| I am so behind on my bills. This happenes every month. I have tried to refiance my home but I have only been there for a year and I dont have equity. I have a huge expedition which is killing me on ... |
|
Do u think i can pay off $45000 in loans and debit, i am 29 years old. i make about 85k a year? |
Additional Details i paid my brothers schools expenses i also had to py a big hospital bill for a family member. my apr is about 6.99%. I live in california i only pay $700 rent and $300... |
|
|  |

Kayla C | Easy ways to save money!?!?!? |
I work full time and average about $600 a paycheck. Right now I am looking at getting an apartment for around $300-$400 a month and I am also trying to save at least $7,000-$10,000 by next June for a backpacking trip. Any tips on how to do that? Additional Details The $600 is every other week and I also am a Pampered Chef consultant and make about $400 a month doing that. |
|


devyn
 |
whenever you get any spare change, or 1 dollar bills, stick them in a jar, and dont touch them, leave it and keep adding you change and dollars to it everytime you have them, this worked for me because i worked in a restaraunt and made tips, and each day i would put at least 3 dollars in plus some change, i let it go for like 2 years, and bam! 2500 bucks just sitting there, plus good luck finding an appartment for less than 600 and why do you need 10 thousand for a backpacking trip? i took 1 thousand to vegas!!! just cut back |
|

tennessee
 |
cut corners. dollars add up! |
|

Daisy P
 |
For anything you do think NO-FRILLS. June 2008 ? That should be easy. If you put aside $250. a week you"d have over $10,000 by then. You didn"t mention any necessary expenses besides rent and food.... |
|

zeekandthefam
 |
Buy no-name brands of things, don't eat out, take your lunch to work. Cut back on spending in areas where you can, no new clothes for a bit, don't go out with friends for dinner or the show, maybe rent a movie, invite them over, things like that. |
|

alan22
|
is this 600$ paycheck weekly or monthly then i will edit back an answer? |
|

Richard F
 |
The easiest way, bar none, is to have it out of your paycheck, and you never see it.
Monthly investments are great.
Live within your paycheck. That is also the secret to happiness.
Make a budget? Only do this once, and do not change it unless your circumstances change a lot.
Good luck. |
|

Steve P
|
Create a budget. Stay on budget. Allocate dollars towards every single expenditure.
If you are wanting to save for something for June 08, figure you'll need to save $583 per month for 12 months to reach $7K and $833 per month to reach $10K. |
|

timsdca2003
 |
invest in a coffee maker and stop going to Starbucks. $5 a day $30 a week $180 a month $2,160 a year |
|

ptstrobl
 |
I like the second response--a second job is the way to go. That's what I did. There are also cheap ways to eat, and still get all the nutrition you need. Lots of rice (brown is much better than white) and plenty of veggies. Humans actually need very little animal protein (some would argue none, but there are some essential vitamins and better sources of amino acids in meat).
DO NOT put your savings in a mutual fund. Short term investing should not be risky. A lot of companies are competing in high yield savings accounts--typically around 5%. That would be best--I use Orange from ING. You can transfer funds online to whichever checking account you have registered. Pretty easy to stop in an internet cafe and do this just about anywhere.
If you want to extend your backpacking trip, you can ask around at hostels if there is any day work, or even cleaning up around the hostel. You could also teach English in many countries since you're a native speaker. |
|

want2bhomewithfamily
|
Cut back on some unnecessary expenses. save gas money anytime you can (do your errands before/after work while you are already out). track your spending for a wk or 2, maybe even a month to see where/if you are "wasting $". figure out what you have left after bills and necessities are paid for each pay. (know when & what comes out of each pay) figure out your average left over from pay to pay. put back a % of the "extra" cash each pay or a certain amt. Or figure out how much $ you need per pay to reach your goal & set it aside. w/o knowing details of your situation - consider a roomate if possible to share expenses for apt. make sure you know what you're getting into ie. utilities etc. if you're able to now - start setting the "rent" aside now to get in the habit of not having it to spend. a mental tip - put a picture of your goal/dream on your mirror or fridge to remind you what you are working for...it'll help keep you on the track to save the money and not spend it. good luck and have fun on your trip |
|

*~PiXiEdUsT~*
 |
Get a second job. You won't have any free time to spend the money you are making and it will add up really quick. I saved $5000 in 2 months once doing that. It's hard work but you will be ready for your trip in no time. |
|

That 70's girl
 |
Stop eatting out. No fast food either. Make your own meals. Don't but Starbucks. Conserve utilities. Wash your clothes but hang them to dry. Don't get your nails or hair done. No new clothes. Cut the cable. Get basic internet service. Get a second or part time job. Use public transportation. Car pool if you have to take a car. Hope this helps. |
|

sanbox69
 |
put the money in a mutual fund |
|

Laelia
|
All right, first, let's look at your income as of right now. I'm going to assume your figures are after taxes. If not, this probably won't work for you.
$600 paycheck every 2 weeks = $15,600 per year
Add $400 per month = extra $4800 per year
Total: $20,400 Annual earnings
If you're salaried, you don't have to worry about losing money from sick time and/or vacation. If not, you'll have to be very careful about taking time off. Nothing cuts into a budget like missing a day and consequently being out $75. It adds up FAST.
Now, let's look at expenses. There are five basic living expenses for your situation: Rent, utilities, Car, groceries, and entertainment. These figures are a little rough, and can be adjusted for your budget.
Rent: Unless you go for a horrible ghetto slum, you probably won't find anything for $300, even a studio apartment (equivilent of a hotel room). $400 is pushing it, unless you get a studio. I'll go with the $400 figure to be more realistic. Living alone is very expensive. If you get a roommate, the $300 is more realistic ($600 for a 2 bedroom). I'd recommend moving in with a roommate to save expenses, if you have someone you know and trust enough to live with.
$400 a month = $4800 per year. With tax and misc. expenses (like security deposit) it'll probably be about $5,000 to $5,200 per year.
Then there is electric, phone, water, internet/cable, laundry, and misc. utilities like sewer, gas, and trash. Sometimes these are included in rent, but usually they aren't, and definitely won't be at the $400 figure. If you live alone, being VERY VERY conservative with using your utilities, it'll cost you about $150 per month to cover all these. $200 is much more realistic. This figure can also be cut down if you get a roommate.
Then there are car expenses. Insurance, figure about $100 a month (conservative figure). Gas, about $75 a month (that'll get you two fillups for a 15 gallon car). Maintenance (Oil change, car washes, etc) is extra, so is car payments if you're making those. For your budget, I'd put about $200 per month for car stuff.
Then there's groceries. Unless you eat raman every single meal, you'll want to budget at least $5 per day, which is $35 per week (7 days) toward groceries. That adds up to $1820 per year, so I'd make $2000 your yearly food budget (that's $167 per month). This may seem like a lot until you actually get into a grocery store. Then it will seem woefully inadequate, espeically when you factor in things like toilet paper, shampoo, dishwashing soap, and so on. Coupons can help bring this cost down quite a bit, so can sales and buying in bulk.
Entertainment: When I lived on my own, I budgeted $50 per month for entertainment. This can be any number of things. Partying, going to the movies once or twice, a nice dinner, and so on. The important thing is to stop spending when the $50 is gone. If you don't budget your entertainment, you'll end up spending more than you would if you just accounted for it in the first place (think diet slipping).
With this budget:
Income: $20,400
Outcome: $5,000 (rent)+$2400 (utilities)+$2,400 (car)+$2000 (groceries)+$600(entertainment) = $12,000 annual
Difference: $8000 in annual surplus
You have 13 months to save, which will give you about another $700 for the extra month. That adds up to $8700, which is fairly close to your goal. You can probably bump that figure up the extra thousand if you cut into each of your budgets, particularly food. The key is not to go over it. A roommate can also help cut expenses immensely. If you can stay where you are for another two months, you'll be well over your goal. |
|

| |
|
| |  |
| Questions List |
Answers | Last Post
| | | |
13 | 14 minutes(s) ago
| | | |
13 | 16 minutes(s) ago
| | | |
13 | 27 minutes(s) ago
| | | |
13 | 52 minutes(s) ago
| | | |
11 | 1 hour(s) ago
| | | |
13 | 2 hour(s) ago
| | | |
13 | 3 hour(s) ago
| | | |
13 | 5 hour(s) ago
| | | |
11 | 9 hour(s) ago
| | | |
13 | 11 hour(s) ago
| |
|