 When I inherit my wealth of several... well lots, will I get new friends? |
How will I know they are genuine?
Additional Details
Can I add that I couldn't give twopence for wealth, and certainly won't be interested in loaning anything to make even ... |
|
 Scared to use money ? |
| I'm 17 years old. I have a job, and I took out some money to go Christmas shopping. I got a 100 dollar bill. I'm scared to use it, because it would feel strange for someone as young as me ... |
|
 How do i get money ? |
| i want to get money for a really good phone but i am only 13 so i can not get a job!... |
|
 Having trouble saving money? |
| I really have trouble saving money does anyone have ideas that have worked for you?... |
|
 How to make money as a kid? |
| I have a mate who is 12 years old and he wants to earn some money because he is saving up for a new games console. But he doesn't have any ideas on how to make money. Can some one give him some ... |
|
 Can anyone tell me what exactly the benefits of decency are? |
I ask this question out of utter contempt with the country (uk).
I have worked solidly for 5 years, paid all my taxes, paid all my child support for my son from a failed relationship and battled ... |
|
 Hi does any one know were I could apply for personal loan with bad credit score? |
| Hi does any one know were to apply for personal loans with bad credit scores? But also being under ssi, also my wife is employed with 15.00 an hour. Thank you for any responce.... |
|
| If your given a million dollars, how would you spend it? |
Buy a fancy new car
Pay off those student loans and credit card debts
Take a long vacation
Give it to charity
Put it all in savings and ... |
|
| What's a quick way to make some cash? (Nothing sexy please)? |
| I have a job that doesn't really pay that well... I have a lot of bills to take care of and need some extra help. Thanks!... |
|
 I am looking out for online survey jobs which can help me earn an income of 10-15 thousand p.m.Please help? |
| I am looking out for online survey jobs without investment, which can give me an earning of 10-15 thousand p.m. Also, if there are any other opportunities, please let me know. I have posted my resume ... |
|
 What income would consider you low income? |
Additional Details
Because in my household we make about 80,000 a year combine more or less, and were still struggling to make it.... |
|
 I need some financial advise.? |
| I am 63 years old. I have $250,000 in a 401k and $100,000 in other cash assets (bonds, savings accounts, cd's, individual stocks, etc). My pension is $100,000 per year and increases ... |
|
 How can we get out of debt? |
my fiance has a freak out every month i cant deal with it anymore. i need advice how to get out of debt quick. should i got two more jobs i dont know what to do?
Additional Details
yeah ... |
|
 What is going on here? I just started trading stocks for about three months and this isn't encouraging. Im 21 |
| What is going on here? I just started trading stocks for about three months and this isn't encouraging. Im 21 years of age and have been doing some research for the past six month before I made ... |
|
 Being Rich? |
Can being rich really make your life better? Why or Why not?
wasn't really sure where to post this..... |
|
 Does he have the right to question my friends about money I let them borrow? |
| My friend (this guy who cares about me) let me borrow money for a car cause mine broke down. It was like $1450 that he let me borrow. This was in December of last year. He told me to pay him ... |
|
|  |
Aiden's Momma | Need tips for budget and/or money saving.? |
Some important things are coming up and we need to start saving some money. Any ideas that ya'll use at home for money saving or how to start a budget.
Additional Details
Wow. Excellent answers. Everyone wrote something that I can use. |
 |
 
crzyaltego
 |
simply use Microsoft Excel or a spreadsheet to make your budget
start with Monthly Net Revenue(amount after taxes that your household earns) if your hours vary and paychecks vary then use a good average based on previous months by looking at past paystubs or deposits
now start listing your fixed expenses- fixed means the expense is the same every month- eg. loan payments like car, home, etc- insurance payments like property, auto, etc.- bills like cable, Internet, etc.
now start a list for your variable expenses- use an average cost based on previous months(estimate on the high side)
utility bills, food and need expenses, entertainment expenses, fuel expenses, etc. make sure you have a column for misc expenses that may come up in the month
Net Revenue-Fixed Expenses- Variable Expenses= savings for the month
- always rounding up to the nearest dollar in your checkbook is also a good way to save |
|
loidfish
|
Hi Best - Definitely save money until U really need it. Dont hoard pennies or any thing - that's not good 4 U or economy. Bi Bonds! |
|
shirubiah
 |
if ur in a family, its best to have an expense list so that u'll know where u spend ur money...and go for the local market instead of the supermarket-the products in 'er are whole lot cheaper than the groceries, and its fresh too! and if ur receiving a daily allowance, make sure you set aside at least 20 % of it for savings...
sorry thats all i know... -_- |
|
julia
 |
OMG same here... we need to save for our Christmas Trip and for My year that I am going to be off in Residency...
It's sticking to the numbers, making sacrafices and projecting the numbers... It's all in the math! |
|
L
|
Plan out your budget by making a list of all of your bills and your income per month. Find out how much you have left over each month. Cut out your spending and dump those extra dollars into a savings account. If you have a debt that is almost paid off, pay it off now so you will have more money to save and you will also save on interest. |
|
Annie
|
Well when you get your pay check they've already taken out the taxes. SO you have to work around that right? SO do the same with yourself. Divide much money you need by how many checks you will get by the time you need it. And see how much to save. Then when you get you pay check, take out the amount needed, Then figure out your bills based on the amount you have left. "Always pay yourself first" |
|
Faye H
|
I have an automatic savings with ingdirect. ing takes a specified amount of money out of my checking account every month and puts it into my ing savings account. You'd be amazed at how fast that grows if you're basically forcing yourself to put away $50 or $100 a month.
Many employers have savings plans where the money is deducted from your paycheck each month. You never see the money so you don't have a chance to even think about spending it. They'll have different options of where that money can be invested, either into a straight savings account or some other investment. Check with your employer.
Mostly, you just have to make yourself do it. Either open an account somewhere and start making regular deposits or do one of the automatic savings plans. The key is discipline.
As far as budgeting goes, sit down and make a list of all of your manditory bills, mortgage payment or rent; utilities; credit card debt; food; clothing; etc. Add in anything else you want to budget for like entertainment. I include savings in my budget because I believe saving is manditory. (If you have credit card debt, you need to be paying MORE than the minimum payment and get that paid off).
That's your budget. Hopefully, it equals your take-home pay. If it doesn't, you'll need to rework your budget. |
|
Gerry
 |
Start a 401k at work or hold out some each paycheck and put it in a savings account, where it will collect interest! |
|
suzieq_64093
|
All these ideas are good. You can go to debtproofliving.com and dollarstretcher.com for more ideas. Debt Proof Living with Mary Hunt can help you set up a program to pay down any debt you might have and help with saving. |
|
☼Flower Power♥
|
Well, one of the easiest ones that work for me is to round everything up to the next dollar amount in your check book. If the cost is 1.23 make it an even $2 when you subtract. I know the penny savings don't sound like much but it will add up. I did that for one year and at the end used the extra money for a vacation.
I don't know if you balance your checkbook with the statement every month but you should in this case. What I have are 2 separate check registers. One keeping track of the amounts with everything rounded up (this is the one I use and tell myself that is all the $ I have and the other are the actual amounts (which I ignore until the end of the year). That way at any given time I know exactly what I have and exactly what I have saved. (it is a little more work but it is well worth it considering the money I save). |
|
mother
|
all my monies go into my account,just draw what you need for the week, bills go on direct debit,( what you not got in your purse you can not spend.) Cut out luxuries like biscuits,cake,take aways,prepare food before hand and freeze---so many ways to save on your budget. good luck. |
|
Sami V
|
Start with a habit of putting aside at least 5% of the disposal income for the rainy day! |
|
MLL
|
I save all my change. If I get back 98 cents I put it in a jar. I save $600 at least a year very easily this way. Also, if you might be a waitress or work somewhere you get tips, turn your bills into change, so you won't want to lug it around and you won't spend it. Good LucK! |
|
Candi H
|
My husband and I take turns balancing the checkbook when writing in deposits. Whoevers turn it is, automatically writes in at least $100 less than what it's supposed to be, but the other doesn't know exactly how much. That way we are not putting the money we want to save in the bank at all. |
|
Lori
|
Pay yourself first, as soon as you cash your paycheck, put some of it in a savings account while you are at the bank. To make a budget, start with the amount of money you are expecting to make each month (this may change from month to month depending on how often you get paid). Then, write down all of your expenses, starting with the most important first (housing, food, utilities, transportation) Then from what is left over, decide how much you want to spend on discretionary items, e.g. eating out, entertainment/recreation, books/magazines, clothing/dry cleaning, gifts, etc. At the end you should have a plan for every dollar you make, so if there is still something leftover, save a little more or pay a little more on credit cards. It takes discipline, but your working toward a goal, so keep reminding yourself of that! Good luck! |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
14 | 31 minutes(s) ago
| | | |
14 | 52 minutes(s) ago
| | | |
14 | 2 hour(s) ago
| | | |
13 | 7 hour(s) ago
| | | |
14 | 11 hour(s) ago
| | | |
1 | 2 day(s) ago
| | | |
14 | 3 day(s) ago
| | | |
14 | 1 week(s) ago
| | | |
13 | 1 month(s) ago
| | | |
14 | 5 month(s) ago
| |
|
Homepage 
Financial
Forum 
Personal Finance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
