 I need to borrow money urgently but my credit rating is v.poor - how can i find a loan shark? |
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i have read some of your answers and i have sold everything of value to me and i desperately need the money its not huge amount i'm just very very desperate and ... |
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 Too much money is bad? |
| Is having too much money a bad or good thing?........ |
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 If you are married or living together...? |
| how do you handle your finances? I mean - do you have separate accounts and each pay half for the bills or do you put deposits in one place and pay bills from there? What is working positively ... |
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 Does Money really equal Happiness? |
| People always say Money will make them happy no matter what. What do you think about that?... |
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 Does anyone else forget thier pin number every single month? |
| once again wages in my account, go to draw some money out, bloomin forgot my pin number once more, will have to leave work early so I can go to the bank. Am I unique or is this comon?... |
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 How can I am make $300 dollars in a couple hours? |
| I have to pay my mother 200 for my car note and I need 100 to buy stuff for work. Is there any way I could possibly make a couple hundred without selling drugs or doing anything illegal?... |
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| What is the best bank in the US to use during these hard times? |
| I live in Georgia. I've been banking with Wachovia for about 5 years now. Wachovia recently merged with Wells Fargo. When I first started banking there, it was a SouthTrust. Wachovia bought them ... |
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 How to pay a $4000 phone bill? |
| This guy lied to me about where he lived and when my phone bill came i found out the truth. Now I have a $4000 phone bill and noway to pay it off. Can I get some advice on how to get money?... |
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 I just inherit a large sum of money.....? |
| from my grandfather witch I did not know he had. I have always lived modest so with this much money I don't know what to do. I am thinking about helping people out who are down on their luck . D... |
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 What's it really like to be rich?Don't be shy? |
am 36 now and start1ng to th1nk 1'll never have a lot of mony.1 bet 1t's great not to have to worry about money 1sn't 1t?
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k3yb0a/d 1s b/k3n
s0//... |
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 Do we really need credit cards in our life? |
I think people can get by living without it. credit cards companies are like leeches. they suck your wealth all your life with their interest. easy investment for them.
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 What would you do if you won $3,000,000,000.000? |
| I would give at least $1,000,000,000.000 to charity and give some people some money and use the rest for my family and me (including my friends)... |
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Ms K | How can I support my 4 children as a single mom. I make $18.00 per hour and found out? |
that I do not qualify for assistance. How can I pay rent, daycare, food and medical bills on $18.00 per hour with 4 kids. I feel like quiting my job because then I would be living better than I am now. I am trying hard to work for a living and cant make it. No child support. What do you do when you fall in between the cracks and cant get help?
Additional Details
I have been at my job for 12 years and it is a very stable job and also go to college.. My kids are 1, 9, 13 and 18 (college student at home). I am buried in bills, car insurance, $200.00 medical premium for insurance, over $400.00 in daycare, $300.00 month in credit cards (I consolidated) dental bills, food, rent, electric. I only bring home $2100 per month and my bills exceed my income. |
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Blitzpup
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Not to encourage to seek charity, but a temporary remedy might be found in private food banks. Generally they have less strict requirements. ALSO, seek child support from the father(s) of your kids. If there are deceased father(s) you might be able to apply and get Social Security benefits for the minor children. Review how you are filing your income taxes, you might need to change the number or type of deductions you claim as to dependents. Move into a less expensive domicile, even if it means selling the house you live in, you can lower the monthly amount for rent/house payments, and could realize a bit of cash too. Your income level is over $37,000. Certainly not a huge sum for five to live on, but you are far away from being in poverty. Learn to live within your means, that is hard for some, but you have sufficient income to live comfortably, not with a lot of extras and 'toys' or 'wants', but you are not in all that bad of circumstances. |
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Brandio
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well my mom sure cant and she makes $14.42 an hour with 3 kids. your smokin her! |
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Moxie Crimefighter
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I am so sorry that you are in this crappy situation. Unfortunately, quitting your job would be better for you, as far as getting assistance. I know a lot of women who are on assistance and do childcare in their homes and get paid under the table. Is there something like that you could do if you had to quit your job? Is there anything you can do to get some child support? Good luck to you! |
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jbug
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I was in the same situation with 3 children. We just had to do the best we could. I wish you the very best. |
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petra
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You may not fall between the cracks with everything. Just because you dont qualify for food stamps doesnt mean your kids wont qualify for medicaid-the cut off line is pretty generous on that. As for daycare, check out home daycares of hire a babysitter for all of them, might be cheaper then regular daycare. And for food- have you heard about the Angelfood Ministries? Once a month you can get real good food and plenty of it, for $25.oo, which ought to help your budget. |
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thatsspoiledangel2u
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my mom had 2 do that when i was a kid n she made way less then that she was lucky to even get 500 a month. u can always try a budget class maybe get help there. Also try like churches n things. See if someone can watch the kids while u work. Right there would save u some money. im not sure how old the kids r. But, there are programs around that maybe able 2 help u. Have u tried all the programs around you? some go based on income. if all else fails im sure there r churches n food banks that may help u. As long as u show where all ur money is going. Or try shoppin at a lower price market. Only buy what u need not what u dont, use coupons for discounts n stuff. good luck 2 u. |
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Donna W
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How old are your kids? Maybe if you have older teen agers - they can get a part time job - or help out with the younger kids.
Look into alternative places for assistance? Food Banks, etc. Don't take it on alone -ask for help... maybe at the kids school - someone would know where you can get some help.
Don't quit - they will be older soon and the work experience will help you then! |
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elaeblue
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My husband and I together only make $16 dollars an hour and we take care of our kids and their needs. We have three kids. Dont let yourself believe you would be better off if you quit your job - welfare is hell! Not enough money ever and not enough food stamps to last all month. And everyone looking down on you. Its better to work. |
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Nothingusefullearnedinschool
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At full-time, that is $37,584.00 a year! I would consider that to a very good income. I still "help" my two surviving sons and that exceeds my income! Where do you live that you can not provide with that high an income?
If any of your children have special health concerns, you might be able to get a waiver from the local health department where they will pay all or part of the bills.
Another solution would be to move to where expenses are more reasonable. Believe me, there are a lot of single parents out there with children getting by on a lot less income, so if you can't cut expenses (are you certain?) or increase your income, it is time to re-think, re-group, whatever it takes. |
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billieleann78
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Hello I thought that I would write to you and tell you about a great deal 2 sites that I know of have great offers for you to take surveys from your computer just look under get paid.Also they have a Mystery Shopping forum in which you can do and none of them charge for this so if you run across one that says to pay steer clear of it. Also Work At Home Moms WAHM,she is very honest and lists jobs you can do at home if you are qualified to do them.Wish you luck!P.S. Voltion is the site where the mystery shops and surveys are,)http://www.wahm.com/ |
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Diedre B
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Ummm can you tell me where you work so I can apply??
My dear why would you leave a job to be financially dependent on the State.I know it's hard but hang in there.
Why dont you take a free course.The adult ed in NYC offers free courses to all NYC residents.I'm sure you could make it happen if you try....Remember it's easy to fail but hard to succeed.....By the way I still want that address for the job.Email me @ cairo630@aol.com.... |
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KAT
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Double-check your eligibility for food stamps with your income (which is decent but not when you are trying to support a family of 5) and 4 children you should qualify. You should also qualify for WIC for the baby. If you qualify for food stamps, you will automatically qualify for publicly run food pantries. The private food pantries are much more lenient. Get on the internet and research - you should be able to find a list of food pantries in your area, their hours and requirements. Getting as much help with your food bill alone should make a huge difference in your budget. Lots of places will also help out with clothes and toys for your children.
Also, once you qualify for food stamps you should be able to get other help like fuel assistance which would qualify you for reduced rates on your utility bills.
Go after the father(s) for child support.
Be persistent, you are fighting for a better life for you and your children. There are programs out there - don't be embarrassed. Congratulations on trying to improve your life by going to college. That is a powerful example for your children. |
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goldmoderncoins
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Idea #1:
If your adjusted gross income is less than $36,348 for 2006 - filing as single/head of household (with 2 qualifying children), you may be eligible for an earned income credit from the IRS. If you are, you can get it setup where you have a small portion of the total credit added into your paycheck each month...to give you more disposable income each month.
Idea #2:
Liquidate all of your unnecessary assets (junk in the garage / attic that you haven't touched in over 6 months) - put this money in an "emergency" fund...only for use when you can't pay the mininums on the bills - or unexpected expenses. Then, reduce your monthly bills to the minimum amount possible (no cell phones, only dial-up internet, no cable)...this can make a big difference everything month. Then, apply for an student loan (you can borrow money for tuition and bills)...this will enable you to "covert" your current credit card debt to "student debt" - you can avoid payments on this debt until you graduate - and then you can enjoy a tax advantage while you pay the loans back, with government enforced restrictions on the interest.
Hope this was helpful. |
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brk
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there are many organizations that try to help. ywca, churches, lots of community orgs. try to see if they can help with things. Also, what experience do you have? Its hard to make it out, but you have to be determined. |
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aj
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I'm going to be completely realistic here so if your one who gets affended don't read any further. 1st figure out how in the hell you ended up with 4 kids and single. Try a psychologist, generally people who create these sorts of living situations, grew up in one. Try to correct that problem. 2nd call your lawyer (I'm sure you have one) and ask who he can recommend as a CPA. Have a sitdown meeting with the CPA and tell him/her everything in order to get a financial goal set. Next, join a cheap gym or buy a used running machine and get into peak physical condition. Excercise every morning it will keep your spirits up and give you that extra jolt you are going to need everyday. This is critical for one of the next steps (but will affect each one). Third, if your job is somewhat based on commission stay there and pick up 2 books that explain how to pick up a better tip ( there are 100's, also don't be afraid to glance at the section on how to make your man happy). If you are at an hourly job, quit and find one that pays commission. Once you have a commission based job get into either Mary Kay or Avon as an after hours and weekend thing. Single mothers tend to talk alot and thus perform very well when it comes to selling cosmetics to "the gals." Lastly, go online and enter yourself into as many online dating services as possible. Check your results every 4 days!!!! not sooner, because if one bites you don't want to look desperate. Also don't keep in contact with the guy(s) that interest you. Following your (heart) got you into this situation to begin with. Look for the semi-needy intellegent looser with a solid 60k a year salary, no wages. Expect him to be heavy and settle with that idea knowing you did whats best for your kids. A good angle wood be that you are a single mother that works out everyday who is missing just one last thing in her life, love. Make sure to act busy all the time but every once in a while give the dog a treat to let him know you are still interested. Its a full-proof plan, read it, learn it, live it, love it. In that order |
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Pecan Goddess
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Are living beyond your means?? Because 18 dollars is good money!! |
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bubbas_mama1
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Seriously, you should try being a waitress. you make good money, in a short amount of time, and it is pretty easy work. |
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gayyahoo
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SURE AS LONG AS YOU HAVE A FREE PLACE TO LIVE.. MAYBE HAVE WELFARE SUBSIDIZE YOUR HOME |
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