 Welfare Question? |
what would all of you people on welfare do if all of a sudden there was no more welfare?
would you and your family die on the street?
would you actually go get a job?
would you go ... |
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 Can anyone please tell me some genine ways to earn money from internet? |
| Anyone please help me in finding some free and legitimate work from home job.Also give some sites which provide the details of the jobs.... |
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 How do you make sure you dont go into debt when you turn 18 and get a credit card? |
| I hear so much about people getting into debt, but when i turn 18 i wanna know how i can manage my money and make it work for me...any tips would be greatly appreciated...... |
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 I have 10,000 in credit card debt? |
| im 23 and have got myself in a hole that i cant get out of im selfemployed so evey month i make a different amount,i have use my credit cards to live off of,and now im haveing a really hard time ... |
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 How much of your salary do you spend? |
How much of your salary do u spend?
Lets supposed that salary is 100%, out of this 100%, how many % is spend on stuff? and what r the stuff u spend on?... |
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 Bankrupcy - what will happen to my house? |
I have a joint morgauge with my wife and am considering declairing myself bankrupt. What will happen to my house/morgauge?
I owe £32,000 on credit cards and £22,000 on a personal loan, ... |
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 When you purchase something off of eBay can you pay directly from your PayPal account? |
| I want to know if you can pay the seller directly from the money that you have stored in your PayPal account instead of having to pull it from your bank account.... |
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 Can a parent/guardian create a bank account for their child? |
I need a bank account, but due to a fire a year ago, my birth cert. was lost. I need a bank account immediatly, and was wondering if a parent/guardian could create one in my name.
T... |
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 How easy is it to survive in the UK without a bank account? |
I'm self-employed and get paid in cash
I have no mortgage
I only have 3 direct debits
And I absolutely hate banks and everything they stand for.
Before I close my ... |
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 I am 14 . i ahve 3 questions.. plz plz plz answer? |
1.what banks can i join and get debit card accounts with.
2.also what type of card will it b (eg solo or cirrus etc etc)
3. will i b able to order stuff online wiv this (if i am 14)
THI... |
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Krishna S | How can couples save money during a financial crunch? |
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ramaswamy r
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why to save money especially during financial crunch?? Saving habit has to be there during all parts of our life not a one particular moment.
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PNVENKATARAMAN P
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After serving for over 28 yrs in Public Sector I have opted out of service. I am not a Pension op tee and got only my PF and Gratuity. I worked in the financial Institution and by virtue of my limited wants I did not avail any loan from start to end of service. I used to save every year in PPF and now I am leading a comfortable life with my interest income. I am not lavish and get only what is abolutely necessary. I am not stingy, I spend with care and I write my accounts of expenditure for more than 30 yrs. If you plan from the start and avoid loans for extravagence you can have comfortable life even in financial crunch |
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NEETHIPUDI
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Planning with mutual understanding.
Cook one time for both lunch &dinner and avoid wastage.
Share transportation facility.
Link up children school droping with either or.
Avoid ironong and washing of clothes by laundry.
Give rest to servents.
Reduse current & telephone bills.
Give holiday for week end out side programmes.
Avoid visiting hotels &restaurents |
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theosharatos
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I think food is a major expense and can be cut drastically just by reducing eating out. You can also evaluate your budget and save money on household and cleaning products by getting better quality products. These 2 things alone can save you hundreds a month. |
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Amish K
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To save a money you need to follow the simple yet powerful mathematics.
Expense = Income - Savings
Put X amount as savings from regular Income & then plan your expense accordingly. This will surely going to help you to save fix amount with planing & at the end of the year, you will have a good amount of savings with you.
AVOID CREDIT CARDS / BANK LOANS as far as possible as this will going to eat all your income & make you stressful. |
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Menu
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the best means to reduce expenses is to avoid or lessen comforts of lifestyle..like we can prefer middle class restaurants then star hotels when it is very essential. reduce travelling week out's and other unwanted spendout's.... |
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emily.winkle
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The best way to manage your money is to know exactly how much income you have and how many expenses you have.
Fold a paper into two columns. On the left hand side write all your income. This is money coming to you like wages, child support, Social Security Income, interest, etc. On the right hand side, write all of your expenses. This is money you pay to others and ranges from monthly fixed expenses to daily/monthly variable expenses. Fixed expenses are rent/mortgage, any insurance, car payments, loans, day care, etc. Daily/monthly variable expenses are gasoline, utilities, telephone/cell phone, education, groceries, personal, home, etc. |
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doms
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cut all your lavish expenses. |
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sunil j
 |
They should avoid expenditures which are not necessary in the mean time.
One if regularly goes to restuarant then it should be restricted to once.
The plans of going to multiplex should be avoided and rather DVD to be brought in the home.
The expenses on four wheeler should be avoided by either conveying by 2 wheeler or local transportation.
The use of credit cards should be avoided.
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Rajaji
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My simple mantra is :
"Be judicious in your savings & careful on spendings".
Savings:
Depending upon income and age, decide on the ideal saving options between debt & equity. Any good financial planner could guide you in this. Of-late, even some banks are helping their clientele in this regard.
Spendings:
1) At the beginning of the month, plan expenditure by earmarking amounts for various purposes (in accounting terminology "various heads"), after carefully considering your earning & the spending involved. It always helps when both the spouses sit together and arrive at a mutually acceptable plan. If attempted sincerely, it is an interesting exercise and ensures commitment from all concerned.
2) Carry out the plan as closely as possible. There could also be unexpected / unplanned expenses propping up, which you can not ignore. Note to maintain a diary of all the expenses, however small it may be, on a daily basis.
3) Analyse the plan vs actual expenditure made at the end of the month under various heads like food, entertainment, education, medical etc.
4) Please incorporate the learnings from the analysis in the next month's expenditure plan.
5) follow above 1) to 4) for the next month as well and so on.
6) The above steps would help you to identify the expenses that are must, as also the ones where you could exercise more control. Acting on this learning would result in a better understanding of your spending pattern as also could provide you some surplus to improve savings.
The above steps would yield fruits all through the year, irrespective of financial crunch season or otherwise.
Enjoy !
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newbe
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you'll have to cut back, don't go out to eat, stay home more. give up your cell phone. i know not much fun but the only way to save is to cut back |
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Vandy
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No specific guidelines, but every rupee saved will add to your savings. Do not shop unless necessary, do not waste food & water. Watch out electricity used, all small things will help one save. |
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rajesh k
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just stop eating outside
use two wheeler instaed of 4, if possible share it,
save money in govt banks, ppf or pf accounts
stop going outstations if not urgent
change your telephone plans if not reimbursed by your office
use radio instead of TV
use perfumes ocassionally
adopt family planning
avoid giving parties outside home |
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Trade X
 |
Additionally, you have to invest your savings judiciously over the period. For example, If you would have put money in some good Gilt Fund a year ago, it would have given you 20%+ in return. An equity mutual fund will make you poorer by 50% in the same period.
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Vinod U
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curtile lavish expenses |
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Tarun M
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avoid unnecessary expences &save |
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krishnamoorthynagarajan
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Proper budgeting of monthly income and buying only absolute necessities and living within the available means, any one can save during a financial crunch. Always put some amount in regular savings like RD etc. Taking useful insurance polities, that offer scope for regular savings etc. as a long term investment. |
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