 Any ideas on making a budget and sticking to it.? |
| maybe there is a web site or something out there?... |
|
 How can i get money to my daughter without using money gram or western union? |
| I live in South Carolina and my daughter lives in Virginia.I would like to send her some money asap,but i don't want to pay the extra charge that those places charge.I have debit access.How ... |
|
 Is there any way I can cash a cheque made out to 2 people without the 2nd person? |
| the other person is abroad and not able to be here in person. The cheque is also in US dollars.... |
|
 Can Bank Investigate if you put too much money into your own account ? |
Dear All,
I have heard a story that a man was called into the bank's office to answer couple of questions because bank needed to know where is the addictional (addictional to his ... |
|
 Which banks are the best in general? |
| I have Washington Mutal and I kinda want to switch banks. I was wondering which ones were the best.... |
|
 Where can i get a personel loan with bad credit , that is legit .? |
| i was approved for a house loan, but the apparisel came back with no comps, so they could not loan money, but i am offered to still buy the home with owner finance, but i am a little short of the ... |
|
 I need huge favor.I need someone who can help me with $5000 to start a home business.? |
| I have wanted to start a home business since 2006. However, lack of finances has been a major problem, so I need your help. You could contribute or recommend someone or an organization that can help ... |
|
 How does a young teen make some money fast? |
| I need 400 dollars, but I'm only 14 and so there's a limited amount of things I can do. I have about two months to make 400 bucks. Anyone have suggestions as to what I can do to raise some ... |
|
 How can you make money without working? |
| Without lieing, cheating or stealing how can you make money without working..... |
|
 What Are the Part time job can earn money at home without registration free? |
I am a medical student, I have no more time to work outside to earn money, What are the available Online part time which can earn $ 50 per day,
Some surveys and some websites require B... |
|
 Credit card debt elimination? |
| i am a college student living on my own and i have credit card debt that isn't that substantial (one card is $450, the other $285), but because i am paying my own way thru school and have other ... |
|
 How 2 raise 50$ by the end of March??? |
| i need 50$ so i can get my phone by the end of the ... |
|
 Can you live comfortably on $30,000 a year ? |
| I know it depends on where in the U.S. since the cost of living can vary so much but if you're single, can you live comfortably on $30,000 a year ?... |
|
 Looking for ways for a disabled stay at home mom help working husband pay bills.? |
| I am looking for ways help my husband pay bills. I am currently working with my local VR but a job is a ways away. Is there really legit online for someone like me. I thought about click bank but I ... |
|
 How much money should I be making? |
| I work for a neurosurgeon. I take care of all patients during clinic, post op check up, staple and suture removal. Schedule all diagnostic tests, referrals to Other doctors, surgery scheduling, ... |
|
 Would you choose to spend $10,000 on your wedding or use the money to put a down pmt on a house? |
Additional Details
Good to know so many are choosing the house. I've been to three weddings in the past few months that must have cost $20K or more. They were nice, but it just ... |
|
 How to make money on ebay? |
| have been trying but finding it rather difficult any input would be ... |
|
 IS ING DIRECT safe company to deposit my money ? |
| I plan to open a saving account with this company , they don't have branches , i am afraid to loose my money . are they secure and insure about people loose their money.is ING DIRECT safe ... |
|
|  |
china girl | How should I start to manage my finances when everything now seems to be out of control? Can't handle anymore |
Everytime my husband and I receive our salaries, it will never sustain until the nest payday. In a week, we are cashed out, paying all bills. Eventually we resort to loans and pawn. |
 |
 
Zeltar
 |
You're going to hear the experts tell you to make a budget and stick to it. And, that once you start tracking things, you'll know where to cut.
I will assume you've already done that. And, that every month, you find the budget is busted. Gasoline is up. Fuel to heat the home is up. You're paying a larger percentage of the work offered health care plan. The health care plan is covering less medical bills, and so your co-payments are out of control. Food prices are up almost 30% from last year. You have to pay for this stuff, or you can't go on.
A budget is worthless if you can't stay within it's limits. So, if the budget isn't big enough, what do you do? Bring in more income. Ah, but the dollar keeps going down in value. If you and your husband were bringing in 100,000 in year 2000, you need to be bringing in 330,000 today (year 2007). The dollar has fallen that much. Did you guys get that kind of raise over the last 7 years? If not, that's because you're not in Bush's top 1%.
You can vote for fiscally responsible people. That will help all of us. But, it won't help you today. The loans you take out will reduce your monthly disposable income even further (i.e. it's effectively giving you a decrease in salary).
Drastic measures can be taken. You can downsize your living standards. Move from 3000 sq ft to 2000 sq ft. Move from a trailer park to the car. Move from dining out 4 times a month at a full service restaurant to your favorite fast food joint. Buy mac and cheese instead of real food. Watch your health decline with the degradation of food too. Or, try moving in with friends - or renting a room in your home.
As China and India become more skilled, their standard of living is going up. However, this also means that the wealth of one country (e.g. the US and U.K.) is being redistributed to poor nations. Eventually, the working class (i.e. those of us that don't run multi-billion dollar companies) will be on an even economic level as those in places we used to think of as 3rd world nations. This means - you and me are going to the poor house. |
|
SAK
|
Please, if at all possible, stay away from those cash loan places. The interest rates they charge are way too high.
To start with, first:
Sit down and write down all your bills, rent, other expenses, including groceries.
Are there any bills that you could cut back some on the payment amount you send each month, by 5-10 $'s? Or more?
My father taught me that the things that must be paid:
A roof over your head, clothes (needed) on your back, food on the table, bills paid (at least a payment) each month. Anything beyond that-luxury.
One tip I will give to you that I find works for me: I get paid once per month, so, at the beginning of each month, I write out my budget. Rent, electric bill, phone bill, cable bill. And, a couple other small bills.
The money left over, I decide how much to go for groceries, then the remaining cash, put towards laundry and other expenses.
If I have any money left over, I take the number of weeks in the month (usually 4, sometimes 5), and divide that sum by the number of weeks in the month. That shows me how much I can spend per week, beyond the necessities.
Since you get two paychecks per month, per person, there should always be money for the rent by the first of the next month. And the electric, phone bills, and if you have cable (at least basic) that too.
Try to set aside 5-10 $ per paycheck to save. Evena dollar per paycheck would be good.
Try to buy groceries after making a list of items you need. I have a friend who makes a menu for the month, then buys everything she needs for the menu, and as needed buys the milk, etc.
If you have credit cards--please decide on one basic emergency only credit card (visa or mastercard or american express). The rest, chop them up, and throw them away. Or at least put them in a block of ice in the freezer.
Please check in your area at the YWCA/or other organization for budgeting class to take. Mine was free at the y.
Be willing to talk with those who you owe money too. Especially the electric bill-that is needed-winter is coming. Be putting that as a priority bill to pay.
Creditors, they can take what you send to them-explain to them you need to cut back on the amount you send them each month. At least by 5$. Also, ask them if they owuld be willing to freeze the interest for a minimum payment each month (only that you can truly afford-otherwise, just pay what you can).
I hope this helps you Take care. |
|
kktempo
 |
Start tracking every income and expense on paper. If you keep track of every dollar you spend, you will quickly see where everything is going.
The next step is to cut out the unnecessary expenses. Pack your lunch, don't eat out, take the bus, don't buy lottery tickets, the list goes on and on.
If you can cut out those expenses, you will find more money available for the important things. |
|
senior2tor
|
Be safe in a safe place and start small. The marriage thing might survive but when poverty comes in the door love goes out the window. |
|
anwesha08
|
hmm...do the following.
1.Sign up for some insurance policies, mutual funds, recurrent deposits & fixed deposits.
2. Avoid shopping strictly at the 1st week of every month.
3.Buy less, waste less.
4.Curb down ur profile a bit, after setting ur preferences.
5.Use ur gadgets economically. for eg. wait for incoming calls, switch off few lights. |
|
LadyMoonlight!!
|
Are you in the UK? Because we are in the same boat. Partner gets paid on a Friday and by Monday its all gone and we're relying on family to lend us money. Its terrible. |
|
Rita J
|
ATTENTION:
We are ceritified and registered Equitable Loan Investment Company. We lend secured and unsecured loans to honest and reliable individuals and companies globally at 3% interest rate.
We lend out loans from a minimum amount of $3,000USD to a maximum amount of $50,000,000USD or Pounds.
We are legitimate company and we have been lending all kinds of loans to individuals and companies successfully for 14 years.
If you are honest and interested with our offer, you can get back to us with your following information below:
Full Name:
Location:
Total Amount needed:
Duration:
We only welcome serious and honest individuals and companies.
We await your response at equitableloans@yahoo.com.
Mr Blair James.
Managing Director
Tel:+447045736666 |
|
just wondering
|
1st thing to do is consolidate you bills. Then budget your money into separate needs. Use cash only and get rid of the credit cards. Allot yourself so much money for groceries and a small amount for necessities and some for emergencies. Get a couple of jars and label them as such and put the amount of cash allotted in those jars. Keep track of your spending by putting the receipts in the jar. Then find a way to make a little extra cash, have a yard sale to get rid of things that are piling up. Don't spend money you can't afford to spend, eat at home and if you like movies allow yourselves one or two rental movies on the weekend, it is cheaper than paying $40 at the theater. Slowly but surely things will start to get easier. |
|
Lola B
|
Please dont listen to the person above me it is a scam they will ask for money and then change there name and start all over again and you will not get a loan |
|
Quiet.Buck
|
Find Dave Ramsey on the radio and start to listen and pay attention to what he says. He is also coming to TV.
http://www.DaveRamsey.com
He is by far the best guy that deals with these topics of credit, debit, banc., finances, loans, homes, cars, college loans, you name it, he knows it.
I listen to him almost daily when I work. As a biz owner he makes 1000% sense. I don't have credit issues but did in my 20's. And what he says is true. |
|
protege
|
analyze your expenses. make a list of expenses, find things that are necessary and those that are not. as somebody correctly said don't eat out so often. cut down on your needs which eat into your budget.
if you have debts, find which one carry higher cost in the form of interest. retire them fast even at the cost of curtailing needs. and later in that order.
pay credit card bills on time & in full. don't revolve credit. it is very costly.
find bargain deals.
save some money and invest. when you see your money earning itself u'll be happy and motivated to make it grow. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
12 | 15 minutes(s) ago
| | | |
12 | 33 minutes(s) ago
| | | |
12 | 52 minutes(s) ago
| | | |
11 | 3 hour(s) ago
| | | |
11 | 5 hour(s) ago
| | | |
12 | 8 hour(s) ago
| | | |
11 | 2 day(s) ago
| | | |
11 | 3 day(s) ago
| | | |
11 | 4 day(s) ago
| | | |
11 | 6 day(s) ago
| |
|
Homepage 
Financial
Forum 
Personal Finance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
