 What should i buy with my £1000 bonus ? |
| Not for saving. I want to spend it on one item for me me me .... |
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 Let all banks go bankrupt? |
| I would like to see all banks go bankrupt, especially the Halifax be there so greedy with their charges, dont you ... |
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 Have Debts with my Bank can i make myself Bankrupt? |
I dont run any company i am just a simple working citizen. Have big debts because of not being able to pay for my loan. Can i make myself bankrupt to loose my debt problems?
Also other creditors ... |
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 Should I apply for welfare? |
| I am unemployed currently. I have about $15,000 credit card debt and a $15,000 car loan. I have alot of credit and could live on that for a while, but it seems silly to be running up my credit card ... |
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 Someone with a yahoo address scammed me out of $3000.do you have personal info ,can you help me? |
please help me the police cant do anything without her home addressand i made the payment through western union so i really need your help
Additional Details
i have a severly burned 11yr ... |
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 Average monthly gas/water/electric bills? |
| I have just taken over tenancy for a three bedroomed house in the midlands. I have never had to pay bills before so all a bit new. Trying to work out on average my Water, Gas and Electric will be ... |
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 I'm a 12 year old child who wants to make, well, some money to save. Please help me. Thank you.? |
| Please do not say mow lawns, do laundry, or any of that sort because my family does not believe in paying me to help around the house. Thank you very much.... |
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Jessibell | How do I budget and save my money? |
I am living paycheck to paycheck and I make enough money to not do that. I don't even know what I spend my money on, as I have nothing to show for it. Please help! |
 |
 
mJc
 |
Time to sit down and make a budget - one that you can stick to. List as follows:
Monthly Budget ($40,000/annual income)
Take home pay: $2233
Less:
Savings 10% of take home: $300
Rent/Mortgage: $800
All utilities: $200
Car: $200
Gas: $100
Food: $500
Clothes: $100
Remaining Balance: $100
Other ways to save:
Bring a bag lunch to work, shop for clothes at places like Kohl's or Target or second hand shops, car pool, etc. etc.
Good luck! |
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Kristina
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go to http://www.daveramsey.com/ he is the best l Financial Counselor out there. Just go to the website, you can even listen to him on the radio, his website will have the radio stations |
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ssi1111
|
Well... you need to track your expenses to see what you are spending on. If you have credit card debts, my guess is you are spending a lot on "Finance Charges". It is funny how you don't even realize that unless you see it!
Check out http://www.expenseregister.com , it is a free web based expense tracking application. It has some neat reporting features, might help you figure out where your money is going. |
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swanjarvi
 |
Here's a great philosophy learnt from some wise person, worth sharing with you: "Plan to spend some portion of your earning, don't ever save a penny from that portion, spend all that money, and enjoy spending that! And, plan to save a portion of your earning, don't ever spend a penny from that portion, save all that! Plan well!" so, get organised, plan well -- good luck, have a good time! |
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Gary
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Go and visit your local library. They will have some easy to read books regarding budgeting your money. These books will give you some good ideas where to start and will have some sample worksheets that you can make for yourself. Also, check out the Internet for some free information. From reading your question, you can start today, writing down your daily expenses and for what reasons. You have to track your expenses and bills. Then you sit down and write yourself a budget plan. After a week make adjustments and so on. You have to start somewhere and it will take some work on your part. |
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texas nanna
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make you alist ,pay your bills first then use the rest for things you need.keep your receipts on what you by . |
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dukefan86
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You have some great advice here already. In addition, I suggest you pick a time frame, preferably a month, but even a week, and write down everything you spend. Don't judge yourself over what you write down, just remember that you're going to be the only one to see the information, and that you're going to use the information to make your finances better! Once you've made a list of your expenditures, you'll be able to see where your money is going, and how you can cut back!
One of the things Dave Ramsey recommends is a cash system where you budget money for different categories and put that money in envelopes marked for each category. In today's world of debit cards, that can be challenging to do, but might be worth a try, even for a month.
Good luck! |
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nicole h
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1. pay bill
2. stop eat out
3. put money save
4eat home |
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ranger
|
You've got to get a workable budget established. There are lots of resources on the web and in books to do this, some mentioned in other answers. I think Dave Ramsey is a good place to start. They all have similar advice that you'll end up tweaking for your own situation.
But a great budget is worthless, though, unless you have a practical way to actually implement it in real life. Here's a way to do it - after you do your budget and figure out how much you can spend each month after bills are paid, here's a thought on how to control your variable expense spending (dinners, entertainment, coffees, groceries, gas, etc...) - get a prepaid debit card account separate from your checking account, load your budgeted amount for these categories at the beginning of the month, and then use the card. Don't touch your checking account.
At the end of the month, do you have money left on your prepaid card? If not, why not? Keep this up for a few months and you'll really start to see a difference in how you manage your spending - you'll know where your money is going. The benefits of this way over the cash method: 1) you've got an electronic record of your spending that you can use to figure out your spending habits, 2) you have the convenience of plastic, without the temptation of overspending with credit cards.
I heard about this system from a neighbor of mine and have been doing it myself. I've also heard of using more than one card to manage your spending in a more segregated way if that helps. I got a Visa prepaid card from Readydebit.com and it works for me. It was also mentioned in Laura Rowley's column on Yahoo! Finance recently for doing this kind of thing. Hope this helps. |
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lost
 |
i would write down everything you spend on a piece of paper and then you would know where it is going and wouldn't hurt for you to start saving some money every week It sounds like you need to set up a budget for every month. Try to think of do i really need this or can i afford to do this And pay your most important expenses first |
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Rico Goldstar
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Many people have had this problem for years. Google feed the pig, it's a campaign about saving and investing for your future retirement.
1. Save - even if it's a 5 dollars a month, find a good bank, and start saving, and do not touch the money, ever.
2. Invest - There are opportunities for small investors, and the returns in the long run will be worth it.
3. Cut back - This is gonna hurt but, you are just going to have to cut back on many things until you can get a foot hold on your financial situation. Don't buy anything unless it is absolutely necessary, I mean nothing but the bare bones. You may have to stay home while others go out to play or on vacation or whatever, you are less likeley to be tempted to spend money you don't have if you are in the house. Do not use your credit or debit cards for a while and pay off any debt you have as soon as possible.
4.Rent - If you can't afford to live where you do, move. This may put a cramp in your style but staying at home with mom or dad just till you can catch up is something you may have to endure, if they let you stay that is.
5.Employment - Try seeking a higher paying job, and you may have to work two maybe even 3 jobs for a while. You will be dead tired and your social life will be a bust, but it is only temporary.
6. Taxes - Make sure you get every penny you have coming to you back from good ol' Uncle Sam. Find a financial counselor and a good tax guy that can help give you advice on how to invest your money, save on expenses and taxes, and make the most of the money you do have. |
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