 I am looking for a geniune online earning websites.can any one refer a geniune one. Need to earn money.thnks? |
i am a student. and i wish to earn money on internet. couldn't find any genine websites.
can any one help ... |
|
 Is $80,000 a year a good salary for a 30 year old? |
| I just turned 30 years old and I make $80K a year. I have a BS in Mechanical Engineering, work 40 hours per week. I have no idea if what I make is low, average or above average.... |
|
 How do i earn money in less than a day? |
| My best friend is having a birthday party on friday since her birthdays on friday, we are going to get our nails done and then go to the mall to shop. I ahve to bring money to shop but i only have $60... |
|
 What would you do with 100 billion dollars? |
| what would you do with 100 billion dollars what would you buy me personally i would buy a few hundred fighter jets and some misile and stuff do build a small army it could come in handy one ... |
|
 Where can I get a personal lone? |
| I just want to get a personal lone I am selfempolat and want about 5 to 7 grand lone my bank not giving to my my ccreditscore is a bit bad but not too much plz if anyone know to I can get a lone or ... |
|
 Can i withdraw money from my the bank at my age? |
| i really need some cash now to pay for a few gifts for my mom besides the fact im broke. but i dont want to ask her to take it out because she will say no. (please dont say dont do what your parent ... |
|
 I am 11 and really want to make a lot of money!? |
| Hi, i am 11 and i really need to know how to make money, because there are a few gadgets i want, i live in an area where this is not many people so i can't walk the dog, neither baby sit,(i ... |
|
 I need to take out a personal loan? |
| I'm a college student that wants to take out a personal loan of $2500 for a 60 month period. I do not want to take out a student loan, because I do not need the $ for college, rather some ... |
|
 I need some help with ideas of making money please help!? |
I would like a macbook for £700 but I have £120 any ideas for good ways of making money? THANKS
Additional Details
I forget to say I'm 13 in the UK... |
|
 What is the average amount of money people keep in their wallet? |
| I was wondering if anybody knew any statistics on how much cash people keep on average in their wallet? If nobody knows any facts on the matter then you could just tell me how much you keep in yours ... |
|
 How much does the average 24 year old have in checking and savings? |
Also in mutual funds, retirement accounts, etc? I can't find any info on the web about it.
I am 24 with 300 in checking, 3100 in savings, 2500 in a savings CD, 3500 in a vanguard ... |
|
 Drive-thru window at bank? |
| ok i went to bank recently to withdrawl some money from my account ,well the teller made mistake gave me to much money back.what should i do ?... |
|
|  |
Cara B | My husband and I are trying to get our finances in order. Where do we start? |
My husband and I have been married for 9 years. We have two small children. We bring in decent money for the 4 of us approx. $45-50,000, but we just dont know how to budget our bills, we are always paying late fees on bills that get behind. We have no savings and are living paycheck to paycheck...I am so frustrated and ready to make a change. Any suggestions? We really need help.
Additional Details
ok, so far that all makes sense, so here is part two of that question...how do I organize the bills that we have? It is mostly living expences (only 1 CC with a $300 limit) and I jsut cant seem to get them paid on time, then I have late fees and not enough money to pay them. I know this sounds so like such a stupid question, but I really dont know how to get it under controll. |
 |
 
charisma
|
I hear too often of the same problem.
Here is what I suggest (ps, some of this may not seem comfy, but you need to make healthy changes)
1. Write down LITERALLY every bill you have Monthly/quarterly/. guess how much they are approx if you do not know already. Do not under estimate ... it will make the problem worse.
2. Write down all of your living expenses that you do not have as set bills, such as gasoline, grocheries, entertainment etc.
3. Calclulate how much you spend per month including bills and living expenses,
4. calculate how much money you bring in monthly.
5. Look at how much you are paying for bills and evaluate if you can live without it: for instance... Cable tv, expensive internet connection (dialup cheeper) fast food, soda's at gas stations, are you paying too much for telephone? Are you living out of your means with house or rental? Are you buying all name brands with food? Is food bill out of control due to last minute meal decisions? Try to answer these questions honestly.
6. VOW to use cash from now on for spending and use checkbook or debit ONLY for bills.
Discuss a weekly spending limit for each of you: This will include your gasoline money, any starbucks etc, renting movies, anything that is not a bill or need.
DO NOT go over your spending limit and use your debit card.
(communication is important)
7. Look at the billing cycle for each of your bills and jot down in the calander for the next several months what day to write out check for each specific bill. (to avoid fees)
8. Total your spending (other) money, bills, etc, and compare it to your income (monthly) If aplicable, decide how much money you can put in a savings account per paycheck. RULE: SAVINGS ACCOUNT IS NOT TO BE TOUCHED!!
be sure to leave extra money in checking account for birthdays, or unexpected bills... do not touch savings!
9. Keep a list on your refrigerator of what items you need to purchace when you go to the store, this will prevent you from buying things that are not on the list.
10. Sit down one day a week and plan out a menue for the following week. Purchace only the items you need for the next week. Clip coupons and be sure you get the best deal.
I hope that helps!! This is what my husband and I do. Also, I work a flexible job that pays well, I can schcedule more appointments when I have time to make extra money. If you are interested in that portion of this, just email me.
Good luck!! :-) |
|
Zeltar
 |
The only way you can figure out a budget that you can live with is to know where the money is going. Two great software packages will do this for you. Quicken and Money.
However, tracking your financial transactions and categorizing them won't force you into a budget. You need to do the next step, which is to analyze your spending habits and make JOINT decisions on what expenses to tighten the belt on. Making the decision isn't nearly as tough as following through on the decision.
Here's the real hard part: When you're about to make a purchase, ask yourself if upon doing such if you'll still be within your budget. You'll only know this if you're tracking the money. If the answer is yes, then make the purchase. If the answer is no, then postpone the purchase. Also, stop all instant gratification puchases. Walk away. If you still want it tomorrow, or the next day, then go back and get it (if within your budget). You'd be surprised at how many items aren't as appealing after you've walked away from it. |
|
mooseles
|
First, you need to figure out exactly where your money is going, and
second, you need to figure out which expenses you can reduce.
When I did this, I kept a small notepad in my purse.
Whenever I took out my wallet, I took out the notepad, too. I made a note of what I bought for how much, or I stuck the receipt in the notepad. My checkbook told me the checks I wrote to whom and for what. At the end of each month I sorted the money I'd spent into specific categories (rent, electric, lunches, transportation, toys, food, etc.) so I could find the money I was wasting! I was amazed to find how much I spent on things like lunches and coffee.
Some money leaks are easy to fix, like brown-bagging your lunch instead of buying it. Other things may be more difficult, and you and your husband may have to negotiate on some items.
This is a hard thing to do, but once you've done it, you'll always know exactly where your money goes, where you can reduce your bills, and [possibly] that you're spending more than you can afford and that's why you're always behind. |
|
jlo77
 |
Find out where your money is going. Gather all your bills and find out how much your spending and how much you can really save.
Check out the budget template below.
That would be a start. Good Luck |
|
ACE
 |
The first thing that I suggest you to do is to list out your needs and wants. Draw a line down the middle of a sheet of paper. Put your 'needs' (honestly) on one side and your 'wants' on the other. This would give you a clear picture of what expenses you can cut.
On a second sheet of paper, list down faithfully your monthly expenses by major items, such as rent/ mortgage, day care, car, insurance, tax, food, education, medicine,etc, and check if you can reasonably trim down expenses.
On a third sheet of paper, list all the bills by types and their monthly deadlines for payment. Make sure that you pay your bills on time to avoid penalties.
If you have the above papers prepared, you should be able to see how much you can save each month. Set a saving target and pay yourself first every time you receive a pay cheque. Over a month, make a written record every time you spend on a major item. That should make you conscious of your spending habit and limits.
If you have trouble controlling your spending, try not to use credit card(s) for a while. Paying by cash should raise your awareness of how much and how well you spend.
Hope this would help you as a start.
Good luck saving.
Ace =)} |
|
short shrimp
|
One simple thing that helps with paying bills on time...
Get a write on -wipe off calendar planner. When the bills come in, write the due date on the calendar, but write it for a couple days ahead of when it is due. And then pay it on that date, not the due date. After a few months, you will be able to pinpoint roughly when the bills are due each month and it will be second nature to pay them on time. You need to be diligent and check on this daily. Try to set up a small space in your home that is away from the hustle and bustle where you can deal with your finances and household bills without distraction. |
|
Ken E
|
Here are a few things I have picked up on the way. If you are paid by electronic transfer to a bank account, open a savings or similar account that you cannot access through an automatic teller or point of sale deductions. Have the bank transfer a worthwhile amount of the pay into this account, say $35 or $50 dollars each pay, more if you get paid monthly. This gives you some savings after a few months. If you don't have the money in your hands, you can't spend it.
Another thing is not to take the children into the supermarket with you. This can be difficult but try to arrange your shopping when one of you can supervise the children away from the shops. They will not then be at you to buy things. Small children have no concept of money and value.
Keep the children out of shopping malls too, they are full of temptations for children like coin in the slot rides, Macdonalds etc. If you have to take them in, pack a bottle of water or fruit juice. If the children become thirsty, and they can be genuinely thirsty, you have a drink to give them, not expensive stuff bought on the spot. You can make a "picnic" of it to distract them from the other stuff.
Make up a list of things you need and stick to it. It is OK to buy one or two things outside it but study the supermarket shelves. Obviously you have favored brands but look along the bottom shelves for some items. These are stocked but the manufacturer has not spent a packet on advertising and has not bribed the supermarkets to put them at eye level. Thus the prices may be lower, while quality is not different.
Many consumer items come in four or more price bands. There are the really cheap items which it is often best to avoid. The next level is somewhat cheaper than median but the quality is much the same. The really high priced items are not necessarily much better than the median priced items.
Personally I have found that the slightly lower priced detergents and soaps are just as good as the high priced ones. In one or two cases I'm sure they are the same product in different packaging.
You can also think about things that you really don't need. A good example is the shampoo and conditioner market which basically did not exist until about 1958. While there is nothing wrong with these products, a lot of people have been convinced by heavy advertising that they are needed on a daily basis. They are not.
Other things you don't need are toilet cleaners (use cheap white vinegar), toilet blues, air fresheners (open a window) anti-bacterial products (ordinary detergents are lethal to most bacteria and viruses) and dozens of other "cleaning" products few of which are much better than ordinary detergents.
You also do not need water filters (those are one of the biggest consumer frauds going) and bottled or canned drinks, water is best for you and the children and it comes out of the tap for a very low price. Fruit juice for the children though is good.
There are multiple sites that can tell you how to save on electricity - here's one thing they might not mention. If ironing clothes, do at least five or six items (preferably more) at a time. This avoids turning an electric iron on every time you need a shirt or blouse. An iron uses the equivalent of ten light bulbs while it is heating up, but when it already hot it's consumption decreases. Obviously, line-dry clothes instead of using a drier.
Most of your electricity bill is spent on heating water, refrigeration and air conditioning if you have it, but there is nothing wrong with turning lights off and unplugging TVs when not in use. Another thing - avoid battery operated devices where possible, batteries are fantastically more expensive than mains power.
Bills getting behind? Some evening soon after payday when there is little worth watching on the box, (most of the time) get the bills out and pay as many of them that you can. After next pay, same evening, do it again. The trick is to be regular about it, like once every two weeks.
Try to keep phone calls short and to the point, this may not matter so much depending on your billing scheme. |
|
Carl P
|
OK what you make and take home are two different things.
First take out the check book and start a PAST 6 month record of all expenses. Including estimates on cash buys.
Fixed bills are fixed, mortgage, some ultities and things like cars.
Write them on the top of the list - these do not change much and do not go away.
List your food - a big varible because it changes and the "cash" expense I was talking about falls here a lot. Pizza, drive thru meals due to time, snacks at work etc.
Look hard at this line.
List other expenses and see who you are giving your money away to because your nice people and they really need your money more then you. Like donations, cable bill (do you need the total cable package?) gifts, work donations, (parties, cards, gifts are work) Learn to say no or say a little less, believe me if "they" find you are willing to foot the bill "they" will take your money.
After you have a 6 month list, sit down verify total money earned for 6 months is total spend on the list. BOTH of you have to figure out if there are unnessacary expenses.
Then you can move to the next step, because a loan officer will ask you to do all this before talking to you - unless they are trying to sell you a package no questions asked, and that is a very dangerous thing to do. You have two kids will new bills every year and inflation build in. Do not fall for the quick resolutions packages. |
|
hoov2davis
|
When me and my wife got married, we had 2 cars with payments of around $1500 total a month, and credit card debt to about $10,000. What my wife did (though we had no kids at the time to have to care for) was refinance both the vehicles, and we got credit cards that had intro APR's of 0% for balance transfers. Due to the vehicle refinance, we pay only about $1200 a month. Also due to the refinanacing we didn't have a car payment for about 45 days, which allowed us to use the paychecks we got to reduce our credit card debt. So after about 45 months we were down to $3000 in CC debt and had lowered our car payments be $300/month. The 0% APR has made it so there is no finance charge, thus paying minimum on one credit card doesn't punish you, allowing you to pay a lot more onto any CC that still has a high interest rate. We also make about $50,000 combined while i'm going to college. |
|
COON DOG
|
First, find a used copy of "Your money or your Life" I see it for $.99 on ebay. Go to the website and read about the program! Oh and if you have time purchase a cheap used copy of MS Money 2006 standard this will help you with the budgeting. (buy used because there cheaper....)
You need to get a handle on what your spending money on. Most people deny themselves nothing, they want a coffee they buy a coffee, new pair of shoes go for it, vacation 'I deserve it' they say, you get the idea.
You have to adjust your thought patern to being frugal, buy cheap, sell dear.
You need to sit down and make a list. Determine all of your bills. Seperate them into utilities, short term (credit cards and charge cards) and long term (house pament, car payment).
Decide what you need to live and what you don't. (You have to find money to pay the bills). Give up the cable, give up the high speed internet, get rid of the cell phone. Consolidate your debits and get rid of credit cards. Keep one but hide it or make it hard to get to so you won't be tempted.
Oh and if you have time purchase a cheap used copy of MS Money 2006 |
|
Barry auh2o
|
Hey, if you have been married for 9 years, believe me, this should be not too difficult.
So,don't get frustrated.
Go to your bank and talk to them. Get some ideas. This is part of their reason for being. They want you as a customer. more important, they want you as a happy customer.
You probably just need some adjustments in your spending patterns.They can help,and, good luck. I want you to post in a year and let us know how well you're doing,and share some of the secrets you will learn. |
|
tel
|
Please pm me , i might beable to help |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
13 | 10 minutes(s) ago
| | | |
12 | 15 minutes(s) ago
| | | |
13 | 46 minutes(s) ago
| | | |
13 | 1 hour(s) ago
| | | |
13 | 4 hour(s) ago
| | | |
13 | 7 hour(s) ago
| | | |
13 | 2 day(s) ago
| | | |
13 | 1 week(s) ago
| | | |
14 | 3 week(s) ago
| | | |
13 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Personal Finance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
