 PLEASE HELP!!! how do you budget? |
i bring home $1000.00ish CDN every two weeks, and i am broke all the time, how do i budget?
i would like to save about 5k by jan 07. for a down payment on a house, but i am having a hard time to ... |
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 I won an auction on ebay, but i decided i didn't want it because i didn't read it carefully, what should i do? |
I know it was my fault for not reading the description carefully.
I won an auction on ebay and i would like to cancel my bid, is this possible? I would like to cancel my bid and avoid ... |
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 Do I make good money for my age? |
I am a sales engineer for a robotics company. I am 27 (almost 28 years old).... Associates degree and 8 years work experience. I make around 45k a year. (23/hr)
Is this a good wage?
... |
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 Am I overreacting - should I cosign loan for sister? |
Hello,
My sister who is 10 years old than me, I'm in my 20's wants me to cosign a loan for her for a car. The car is only going to be $100-$200 per month in payments. She says ... |
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 Make money online? |
websites where i can take qizzes or questionairres to make mney?
Additional Details
calfritch- thanks 4 the advice! i amhaving a friend who knows more about this stuff then i do look at ... |
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 What kind of credit card is the best to get when I don't have 2 much credit and I don't own any credit cards?? |
| Obviously I don't want it to have 2 many fees, but I've never gotten a credit card before and I want to make the best decision possible.... |
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 I've received an email offer to be beneficiary to 15 million. Anyone have a clue to the validity of such?? |
| a guy is asking for my name, adrress, occupation,gender and phone number- has given me an email address for a "bank" and application form letter to submit. Has anyone any reality on this?... |
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 Where can I get a $15,000.00 loan with bad credit.? |
| I have bad credit and want to get a loan to consolidate all my bills into one. I do not own a home and my car isen't worth a thing!... |
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 Too much money...? |
| I have a lot of money and we have everything. I feel guilty when I think about needy people. I need to do something. Can you give me some ideas of how to give to charity? we only attend church ( C... |
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 (UK) Where is the safest place to deposit any savings I have? |
Let's face it, the banking system is up s**t creek without a paddle, heading for the Victoria Falls.
Word on the street is that HBOS is on that very canoe at this moment in time.
... |
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 I took out four payday loans,HELP !!!!!!? |
| I took out four payday loans, and now they are all due. SInce I am noiw out of work due to my broken ankle, I have no money or no money coming in.Im out of work for the time being.....they ... |
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 I need a loan? Any suggestions where I can get an unsecured loan? I have poor credit history. |
| I have tried bank, black horse and welcome finance but not been successful. Please help with any suggestions and not the ones where you pay admin fee as they are cons. Its in UK i need. Thanks ... |
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 Moving out ?????????????????????????... |
| Hi i will be moving out after christmas and im just wondering how much to expect to pay on bills. Its a terraced house their are only two people living there. How much is gas and Electric? water? etc<... |
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 How would you describe a person who is paying off bills & doing well financially? |
| I am looking for words to describe myself...I want to pay off bills, pay down debt but I do not want to use certain words...I do not want to use the words debt, bills or anything else that describes ... |
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justlove20052005 | How can you save money when you barely make enough money to cover bills without getting another job.? |
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Honey W
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I know many people who claim to be hard up and yet they earn more money than me. They borrow from me because they run out of money!! How can it be when they have a smaller family, less bills, no car to run, ect ect?
Well, I figure that the facts are they buy DVD's, CD's, eat out regularly, go cinema play bowls, go drinking and clubbing weekly. I don't do these things except very rarely as a treat. Maybe to some that means not much of a life, but to me it is the difference between having enough money to last the month and not having it. Simple! |
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rooney
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You're right, it's hard to save money when there isn't much in the first place. If you can get a second joba nd save all your money from that. But just to get into the habit of managing money well for when you do make enuogh money to save one day just watch your money for example:
-don't eat out, even if it means eating pb&j and bologna sandwiches the result is worth it
-don't spend money on designer clothing, only buy from clearance racks and only rarely visit clothing stores at all because even though you may buy sale items that still can get expensive
-get minimum cable, nowadays the major networks that come with basic cable are entertaining enough you don't need those cable channels
-don't buy bottled water or snacks and drinks everyday, bring drinks and snacks from home
-rent movies instead of going to the movies (and try not to do that too much either renting is pretty exoensive now)
-when you go out with friends, don't go hungry, eat a big dinner first at home and don't get too many drink. Get what's for happy hour and get only a few.
-when you buy people gifts for the holidays or any occassion, put a limit to how much you spend for everyone, like $20 a person, and that's it no matter what. |
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st3f
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Very tricky. I'd recommend budgeting. Make sure that every penny in and every penny out is accounted for. Knowing what you spend is the easiest way to start controlling it.
Once you can do that, you can see if there's anywhere you're wasting money, or if there are any things you're willing to give up to have a little more money. |
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BonesofaTeacher
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change your bills.
move someplace with lower rent.
stop the cable service.
use less electricity.
drive & use less gas.
you are in control of your bills.
reduce your lifestyle so you will have something to save.
get a cheaper car (cheaper car payment)
don't eat out
don't buy alcohol.
you are totally the one who incurs your bills.
so change how much your bills are. |
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bettyswestbrook
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(1) brown bag your lunch each day, take the money you would have spent for lunches out and put in the bank. (2) cut eating out down to 1-2 times per month instead of weekly. take that money and put it in the bank. (3) when you go on trips fix snacks (apples, oranges, carrot sticks, nuts etc and eat them for lunch instead of stopping on the road for a meal. (4) when you go to the movies, do not use the snack bar, eat at home before you go. (5) everytime you break a dollar, put the change in a jar and take the jar to the bank say once a month. (6) on grocery shopping, if you like to eat something the grocery store has on sale buy it instead of something that is not on sale. (7) use coupons. (8) when you do eat out, take advantage of early bird and 2 for 1 at resturants. (9) keep your use of paper (plates, towels, etc down) None of these things hurt your standards of living, but it can add up to 1,000.00 or more dollars per year. |
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pinoy_ako
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savings is affected by two things: expenses and income. so, if you want additional savings without getting another job try to MINIMIZE your expenses. if you dont want to minimize your expenses, and still want to have additional savings, you have to increase your income (find another job). |
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ZepOne
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If I were in that situation, I'd first ask myself if I have unnecessary bills. In other words, did I get myself into this position by not spending wisely? Do I have the most expensive Internet service? Do I need HBO? Do I need a land line phone and a cell phone?
If I've cut all fat out of my spending and I'm still having trouble saving money after paying all of the bills (btw...I should be paying the bills after I save money - pay yourself first), then it sounds like I have an income issue rather than a spending issue.
In that case I'd evaluate how I could go about getting a better job to make more money. I could go back to school. I know that's expensive, but I know that the payoff of higher income and upward mobility would more than offset the loans that I might have to take out. Investing in yourself to improve your job skill is the best investment you can make.
If you already have a promising career ahead of you, then I'd try to figure out real quick what it takes to advance and do it. |
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Inquisitive125
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You need to look closely at just what you're spending money on. Get yourself a small notebook and write down each purchase you make daily. You'll be shocked at how much you spend on everyday items like a soda and chips from the vending machine. Purchase items like these on sale at the grocery store and take them to work with you. Instead of purchasing the name brand item for everything you use try the generic brand. A lot of items are produced by the same manufacturer but packaged specifically for the "store". Always calculate the cost per item of each purchase (package price divided by number of items or servings per package.) As fuel prices are rising be sure to plan your daily commute to include stops you need to make along the way. Running back and forth from home to work, back home again, then to the store, then home and out to another establishment wastes a lot of gasoline. I know this sounds like a lot of work but once you get into the swing of things you'll be surprised at how much you can save. For more ideas you can check out Clark Howard's website. I find that he has a lot of good ideas (and no, I'm not affiliated with him in any manner!) You can also visit (or call) your local Consumer Credit Counseling Service office. Make sure it is a non-profit organization. They have some on-line tools too - www.cccsstl.org. Good Luck! |
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Txlady
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I know people have to get out and enjoy life a little. In the situation you describe, that may have to be only once or twice per month. |
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AlwaysWondering
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plus, you can save your coins. never spend them! bring them home each day and put into a jar. you might be surprised at the result. then when you have enough, deposit them into your savings account and leave them there! just keep doing that. that is one "easy" way to make a bit of a difference. good luck |
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elizabeth_davis28
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with the new year coming in promise yourself to do better, it could he changing jobs, or getting rid of some thing you don"t really need or can do without.Tax time is coming take some of that money and save it if you can.If you are able to work, pay all your bills and are not going hungry be thankful,HAPPY HOLIDAYS |
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sista!
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Life insurance is an ideal solution to cover the possibility of financial problems because it not only gives you life insurance protection but provides a regular savings scheme as well. It is a systematic way of accumulating money that is then managed by professionals to be used for your specific financial purposes, and at the same time providing protection in the event of a calamity which may jeopardise that plan.
Financial planning is made so much easier with life insurance, because it can help grow the amount of money that you have saved. You will then be able to proceed with getting the good things you've always wanted out of life such as: good education for your children, setting aside funds for their wedding or retiring in comfort. |
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