 If you won the lottery what charities or organisations would you give money to? |
mine would be:- uncaged campaigns, viva, wwf, wdcs, childs cancer trust fund, british heart foundtion, scbu glan clwyd hospital, sands and nspcc.
Additional Details
oh i'd also give ... |
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 I lost my £5000 few days ago did anyone found it? |
| I still didn,t reported to the police station.What do i have to do next.... |
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 Im 13, and i need $500.00 by 2 weeks. can someone please give me advise? how could i make easy money? |
im 13, and i need $500.00 by 2 weeks. can someone please give me advise? how could i make easy money?
Additional Details
lmao.. i love everyones answer... im not a pot seller. my parents ... |
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 How do you make a lot of money, legally, if you are 12 and owe £115 to your parents? |
| I am 12 and currently owe £115, i have no money yet but i want all answers to be legall and honest. I want about £50 for 2 games.... |
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 If you send cash through the mail, will the mailman take it? |
I am a little skeptical about sending cash through the mail.
If I do send cash through the mail, I will not send change...(kinda obvious).
So, it will just be bills.
Is this safe?... |
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 Can someone loan me £100 till next thursday? |
i need money now but dont get paid till next week i can pay it back first thing on thursday.
Additional Details
wow, you give people an easy 2 points and they go all nasty on you. i ... |
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 What can I do to make money? |
I've tried babysitting, dog stuff, and household chores. I'm not old enough to give blood. I need something creative and fast!!!
Please ... |
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 Whats the best thing to do with £60 000 spare cash (sensibly)? |
I'm not very good with finances, I would like a return and minimal risk.
Additional Details
to red beret: if I didn't have 60k why would i be asking.
I don;t want to ... |
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 I accidentally wrote a check on my closed account. What should I do? |
| This is embarassing but I need some guidance. I just went to Old Navy and I didn't have my debit card so the sales associate told me they can take a check and run it through as a debit. I handed ... |
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 What happens if I bought an item on ebay and I didn't recieve the item? |
| I filed a dispute today...yesterday i tried contacting the seller, then today, I realized that his account no longer exsits. will i get my money back? i'm still kind of new to this paypal ebay ... |
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 What is a good job for 14 year olds? |
Whats a good job for 14 year olds. Please no babysitting or odd jobs around the house, etc.
Additional Details
Whats a good job for 14 year olds. Please no babysitting or odd jobs around ... |
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Jessie | How many of you are really in Debt? |
I've been reading all these articles about people trying to get out of debt because they can never pay off their credit card balance, people living paycheck to paycheck, or those that doesn't have enough savings for their retirement.
Just wondering how many of you out there are really this much in trouble? If you don't gamble and use your money wisely, poeple should be able to save. I'm lucky to say I don't know anyone this much in trouble yet. So, is media just exaggerating? |
 |
 
IIXXACEXXII
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well i am a loan officer so i deal with the finances of many people who are in trouble and need help. And i can attest through personal experience tha it is absolutely true. 95% of the clients i deal with are in a considerable amount of debt! and they are trying to fix it by refinancing but often times cannot because of the way the market is. and just so you know everything that the media is talking about when it comes to losing homes is true as well. i sadly am not able to help and deal with way too many people who are losing there homes. the main reasons why this is happening is people are not being smart about there money. they are not spending it wisely. they either get more than they can afford not allowing themselves enough money to go beyond getting by so as soon as bad times hit they are in the whole. and some people are just irresponsible. i worked with one person who made 7 thousand a month and only had four thousand in bills but still would be missing payments. and i actually was going to be able to signigicantly decrease his debt and get him on the right track. all he had to do is send me one sheet of paper and the deal was done. yet he didnt i kept calling for two weeks and he would not answer. Three months! later he calls me and tells me hes ready to do it and he really needs the money i was going to give him because his daughter is going to school. so i said ok i was ready three months ago but no problem lets do it now. i reran his credit and it turned out that he was 3 months late on a payment and was going to lose his house! i remember the very last conversation we had before those three months i told him dont forget to make your payment otherwise this loan is dead. and his words were "c'mon man im not stupid ive learned from this mistake before i alredy made my payment". yet that was the payment that put him in foreclosure. Why simply because he procrastinated on things that should have been a priority. sadly this is only one of so many stories i have. people are just irresponsible. i mean seriously you should never take on a large debt if you cannot easily be able to properly afford it. i hate seeing people lose their homes! |
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Marion K
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Life must be really simple for you, Skippy. Congratulations.
But for many of us, it doesn't take much to go from having a nice little "cushion", to shutting off your cable and internet so you can feed your kids. All it takes is a few months of being unemployed, which in many states isn't that unusual. The home equity loan or credit card balance that seemed so manageable while you were employed suddenly becomes this monster that you are struggling to feed.
Divorce has similar effects to unemployment. (Addictions, including gambling, are a whole different topic.)
Life happens. Your checkbook sometimes suffers. Don't know what to tell ya. |
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Deb W
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You are very, very lucky - right now. We just finished paying off a huge credit card debt, and now have no outstanding bills. However, not only do we live in a consumer culture - look at the National Debt, for instance - but there are things that come up that can't be paid for immediately - like medical expenses.
Our debt was a combination of medical expenses that were not covered by our medical plan, dental bills (no coverage there), car repair expenses...and credit card fees.
Sometimes ones' income is just not enough to pay for the necessities of life, and credit is used just to get by. |
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rollins_freak_21361
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Lets just say that I am 23 years old and have over $20,000 worth of debt and can barely live paycheck to paycheck with my husbands paycheck coming in as well and try to support a 19 month old daughter... My credit score is less than 300 I am sure....Last I checked it was 320....so yes, people really can be in that much debt.... |
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Heather S
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Yes, actually, I am in debt and I am living paycheck to paycheck. The reason for me seems to be something comes up that I have to pay for. Like something with my car, health insurance rate are going up ect or higher gas prices for my home or the car. So, it's hard to get out of debt and save when you money when you money, when your check HAS to be spend on things that are an everyday need and not really be able to put some aside. |
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Elizabeth J
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I'm a college student, and I'm going to graduate debt-free. My secret is very complex and magical in nature. It's called "DON'T SPEND MONEY YOU DON'T HAVE." |
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Eileen J
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I am in debt ,,but not really,,,My husband has the money to pay off the bills but he doesn't ...he said if he does I will ring them up again,,,,He is probably right...sooo in dept but NOT broke here. I don't ring them up this way as much ,,I only pay over the minimum and do not pay interest ....or else I change credit cards ...I have better credit than he does...GO FIGURE!!! |
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nineinchnailsnate
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not me |
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Eraserhead
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The media is not exaggerating.
I became disabled due to a brain condition, and now i'm on social security. I'm also a divorced single mother who doesn't get child support (he's never followed the order). So, imagine raising a child alone on $1000 a month, when rent alone is $700. Do the math.
A lot of people are thisclose to being on the streets. |
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kay l
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i'm in debt but i only have 2 credit cards with low amounts, not 5-6.
i'm living check-check to cause i'm a student. there are many people out there that don't gamble but they have children and their incomes are very low.
if you are able to save then your are fortunate. the people that you are referring too are living in poverty making 10-12 dollars an hour with little to no education and no idea of how to get out of the deadly cycle, meanwhile the price of EVERYTHING is going up, while pay stays the same. |
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CrackBerry Addict
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I do have debt, but don't live paycheck to paycheck. We (me wife and I) started our Total Money Makeover in August of this year. We started with about $90,000 in debt. (she has student loans from her Master's Degree, and I have student loans and a car.) Following this Total Money Makeover by Dave Ramsey we should be debt free within 3 years. Focused intensity will get it done. We already have all the credit cards done. (It was only about $2,500 but we paid it off in like 2 months.) So no matter how much debt you have, it CAN be paid off. Life does happen, I will agree. But life, I believe, is probably 90% how you react to situations. |
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A.Mercer
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Check out the questions on here. Every day, you will see people asking for loans to help them pay off their credit cards or help them get out of debt (I guess they do not realize that getting a loan to pay off a loan is not getting out of debt).
I know one couple who have $80,000 in automobile and credit card debt.
I know a few people who got out of college with a pile of student loans and credit card bills.
I myself got lucky. I got into a little bit of debt and did not like it and worked my way out of it. However, there are many of people who are not that lucky. |
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Crys*
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I think the statistic is somewhere around half of all Americans live paycheck to paycheck. It's a vicious cycle. One is born into poverty, lives in poverty, can't get a job that pays enough to get out of the cycle. Some do luck out, or are smart enough to figure it out, but others get stuck in the frame of mind that such is life and don't realize they can do better. And usually the longer it goes on, the more limited choices become. For example: say a person grows up without dental insurance and their teeth start rotting out from an early age, as an adult they get a typical under $10/hr job that doesn't supply dental insurance. They can't get a better job with rotted teeth, but they can't get the problem taken care of. I can go on forever about how the cycle feeds itself. |
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ilovemymercedes
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i have things that i have credit for but i am paying off. like my gym membership. they financed me for my 3 year gym membership and then they take the monthly fee out of my bank. actually that has helped my credit because i am making steady monthly payments for this financed thing. and then i have 1 credit card with about $800 balance on it (wedding dress and accesories) but it is 6 months no interest/payments so i am paying it off, but thats about it!
my current debt is about $1400, but i am paying it down slowly but surely. usually i dont have debt, i am getting married in 2 months so i just have the $800 for the dress on the credit card. usually i dont use credit cards! oh and i paid cash fr my old but ODDLY reliable car (its a 78 mercedes diesel 240D) so that helped out. low low insurance and no car payments. only the occasional oil change or tune up
oh yeah i forgot to mention that i have started a retirement fund (roth IRA) so when i retire i will have 1.6 millin dollars to retire with which isnt alot, but its something! and i can retire at 60 instead of 65 or 70! |
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me
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I live paycheck to paycheck, have a little in savings, no retirement plan yet, I have some debt maybe around 4,000 (school, credit cards, not including my mortgage). But my sister is a different story, she probably has 5 or 6 credit cards with more than 3,000 on them and is only making minimum payments on all of them. |
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Kaptain Krakatoa
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I have no debt except for my mortgage, which is considered good debt, as it is leverage against an appreciating asset.
With that said, no, the media is not exaggerating, there is a boundless supply of stupid poor people who get themselves into debt, don't read the fine print on credit card statements, and work forever to get out of debt. |
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baserunner316
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not me, thank God. my credit is PERFECT come this january. woo,hoo! 0 debt baby!:-) |
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mJc
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I've got a credit card that seems impossible for me to pay off. Whenver I get close some out-of-the-budget-plan event happens. Car needs repair, kid needs some school thing paid, dentist/doctor bill... |
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♥Denise♥
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i am unfortunately! im only about 3 g's in debt because of student loans and credit cards. |
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Steve R
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live 30% below my means. Actually, the credit card companies put out statistics that 60% of CC holders carry an outstanding balance on their card. What fools they are! |
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voluntarheel
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The only debt I have is $118k on my home and I'm going to pay that off in about 6-8 years.. My husband and I are 34 -we've managed to stay out of debt by going to public universities - he has an MD, I have 2 master's degrees. We've used credit cards sparingly and we've paid cash for our cars. But techinically we aren't out of debt because of the mortgage, but our net worth is more than the debt because of 401k and other retirement savings we have. So I really don't consider myself to be in the red.
But I know plenty of people who operate in the red and some of them are doctor's. They went to expensive schools, drive expensive cars (usually leased) and live in expensive homes with new furniture and have kids in private schools. I don't care how much you make - something has to give in those circumstances.
I'm always surprised at the number of families with household incomes over $100k who still can't make ends meet. I know life is not always cheap, but too many people buy more house and car than they can afford. Those really are the two culprits in overspending.
If you are one of those folks please read Dave Ramsey's Totoal Money Makeover - it'll change your life. |
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Justin T
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I'm not, but I know a few friends that just had to have a new house, new car, and all the fixin's... And the bank said they could afford it. The bank was right, as long as nothing changed they could, but that is about all they can afford to do. No vacations, no braces, no out-of-work situations, and definately no kids. So, when one of those things comes up, trouble steps in.
The other problem now is that many houses were valued way too high. Now, to get out of the house, they will most likely have to sell for whatever they owe, even though according to the initial appraisal, they should have at least 20% equity.
All of this spend whatever you want is going to catch up. |
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JIM Tahoe
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i am 24 years old, I am in 30k debt and i haven't graduated college. I have 3 judgements against me and my credit score is quite possibly in the negative....i was in a car accident 5 months ago and now i find out my car insurance doesnt want to pay my hospital bills so now i have an extra 10k in debt. On top of that I just got a DUI and i'm in debt to my lawyer 5k. On top of that I am in 6k debt with the school. I did i forget to mention that i'm 24 years old? I'm worried yes, but i realize that after i graduate and land a 30 k job i'll be debt free in 3 years. |
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BulldogBlitz
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$6k IRS
$11.6k credit cards (down from $40k)
$9k car
i live paycheck to paycheck (engineering salary even)
of course, there are mitigating circumstances for me - like an ex-wife who seriously abused the situation and hid her "ability to pay" |
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The Professor
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The last statistic I saw on the US National Savings rate is that the rate is NEGATIVE 1.7%....which means Americans are spending more than they are saving. No, the media is not exaggerating. There are plenty of people with way too much debt in the US.
And despite what some other foks imply here, they aren't all unsophistated, uneducated hicks from the backwoods. I have helped many professional, college-educated couples construct plans to dig themselves out of massive debt from living beyond their means. Debt can be a problem for anyone. |
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Nodor
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I live paycheck to paycheck, but I am still in the black. But not by much. |
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Kel
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Hahaha! I have a mortgage and my son is in college...plus al the usual bills.....and even though I don't have any credit cards (no, I really don't), I'm still up to my eyeballs in debt! |
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neenziname@sbcglobal.net
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I am |
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myFEARisALIEN!
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im straight outta college, my debt is more than buying about 2 brand new houses in manhattan |
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Reptilia
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I have about $5000.
$1000 for hitting a gaurd rail, $4000 on credit cards. I'm not really in any trouble. I could easily pay everything off in about 3-4 months. It's just nice to take my time, even though I know I'm paying interest. Doesn't bother me though.
I'm 20 years old.
And may I ask, what is the point of giving a thumbs down on something like this? Wtf? |
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Hall + Oates
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i'm about 6 grand in debt because of a truck i bought. |
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