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 Help- I'm drowning in debt! Need strategies to get out of it!?
I have a mortgage ($973/mo), student loans ($16K), and thousands in credit card debt (approx. $12K). I'm only 22. I feel like the debt is mounting and I don't know how to stop it. Do you ...


 I can't afford a mortgage?
Is there anybody out there who would be prepared to lend me £100,000 over twenty years with repayments of £150 per week. I know that this would only give £56,000 profit back to you, but I can'...


 Im broke. Anyone know any ligit ways to make extra money online or anything?
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 Do banks accept deposits on saturdays?Are they even open?
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 HELP!! How CAN i SAVE $3500 in the NExt Few Months??
I income a little less than $2,000/mo... I know this sucks (and I have 2 jobs!). I pay about $400 for rent and $600 on other bills and other things. But I have a MAJOR spending problem!!! MAJOR! H...


 How can you make money when your only 14???
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 Best loans for unemployed people?
i am looking for a loan of about £10,000. does anyone know any good companies that will not keep on passing you around to other people. i would like to avoid brokers who charge upfront fees as ive ...


 How can a person make money fast?
...


 How do i earn $ fast?
i want a macbook and i cant get 1 cause of $ problems. i get $10.00 a week. the computer cost 1,100 i need 2 earn $ fast b-4 the price goes up. wat r ways i can earn $ wit out using a website?...


 How to make money online?
okay i'm still a minor but i will pay if it's not a scam i need to know how much i will get paid how i will get paid and when also i need to know what i will be doing to make this money ...


 How can i make an easy $20 in less than a day , please help , just give me all your ideas, thank you!!!?
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 Can we make it?
i'm gonna move in with my boyfriend....he makes around $400/wk i make around $200/wk....we're gonna move into a 1 bedroom apartment....with that, a car, phone, etc....could we get all our ...


 What is the best way to make a million dollars ---and by best I suppose I mean somewhat fast and somewhat easy
I am not a total slacker.....but I would like to work less slack more.............


 If you have $600 and want to buy something, what will you buy?
i need to spend like $600 for myself but i dont know what to buy. If you are in my place, what will you buy?...


 How does a single parent with four teenagers get rich?
My mom is a single parent and is struggling with money. We want to find a way to make money and we are willing to take advice. Don't be shy, come on!...


 What's the best way to make money online?
...


 How can me and my friends raise money?
We dont have that long to raise money mabye a couple hours or so, and we dont have enough time to have a yard sale or lemonade stand. Please help!...


 What can I do? Need advice and direction?
Im a 23 yr old male.I live in Cornwall, house share with a friend and have a young son.Im sure im not the only one in this boat but what can i do...i'm skint?

Right,so here's my ...


 What should I do with my money?
Im a 27 year old working male making 35,000 a year as an independent contractor (meaning I don’t work for a company that has any type of retirement program). In the last two years since I've ...


 Im only 18 do you think that i can get a personal loan?
From bank of america....



jpolster2008
Paycheck situation! Has anyone else experienced this?
Wednesday is payday for me. its bi weekly. this past wed. was supposed to be a payday, but there was a problem with the laser printer, and the payroll lady couldnt print the checks. I suggested writing them by hand since there are only 85 employees. she said no, i print them. so they said that we have to wait till next payday and just get one big check. the problem is i CANT do that. I had a cell phone bill due thursday, and how exactly can they expect me to pay for gas to get to work? Comcast is due today, and rent is due tuesday. I spoke with the GM, specifically about how am i suposed to buy gas, and food, he told me "if you are always dependant on your next paycheck, then maybe its you who is living above your means." I resent that statement, because i believe paycheck2paycheck is how you are supposed to live. it wouldnt be a problem if the company would have wrote the checks by hand. anyways... what are your thoughts and do i have a leg to stand on to sue them?
Additional Details
thanks to some of you who gave suggestions... I wish i COULD get direct deposit but My credit is so bad i cannot get a bank account. direct deposit would definately have helped out in this situation. what i have to do is take my check to the bank its drawn on and pay a $3 fee to cash it
                     
 




Payroll Guy
Rating
Get a paycard. Paycards are not like banks accounts so your credit will not matter. Got o ADP total Paycard and see if they will send you one. There are many other paycard companies also. Google and find them. the program is specifically designed for people who cannot get a bank account. When you take it to payroll you just give them the paycard bank number just like you had a checking account and your money will go there each payday. there is a small fee but it is cheaper than check cashing and if you lose it then they send you another one. It really does work. I should know I am a payroll manager.


jezbnme
definately call the district office if there is one. bug the payroll lady daily. they cannot hold your check and the gm had zero business saying what he did. it is not his business how you spend your money or live. remind him you are not there to make friends or provide him a service for free you are there strictly for the money to survive. good luck. your GM is a jerk.


jennifer_affinity
That is wrong, you should contact the organization in your are that deals with workers rights.


LeAndra
First of all, what state do you live in? If you live in California the Labor Board has a law that states that if you are not issued your paycheck on the day that it is due your employer must pay you your hourly wage for every hour longer that you do not have your pay.
Second of all, who does your GM think he is? The way you spend your money is none of his business. The way you work is.
Third of all. It may not be the best advice, but if I was in this situation I would just deposit it in the bank. You won't be doing anything illegal. Besides, it will mroe than likely take 3 days for the check to clear unless the bank you use is the same bank the check is written from.

Good luck. Everything will be fine :)


LLfuzzybunny
Wow. That's crazy that they expect you to wait until the next pay period. I'd speak to a higher up in the company and insist that they write one out by hand or arrange to have your pay directly deposited ASAP.

ETA: Payday advance - eeeeks, very high interest rate/predatory lending (I wouldn't go there)


mdarlene76
I believe in some states it is illegal for employer to hold your check for whatever reason, especially for another week.They should have written them by hand. That tells you how lazy people can be, does it not? I'm afraid that i would have to refuse to work until i got paid or contact a lawyer in your state and see what they have to say about it. It doesn't cost anything to get answers. Good luck!


terribrooke
You need to contact you local labor department and possibly a lawyer.


truttman
Rating
This is a lame company that you should probably leave as soon as you can. Who cancels a payday because their printer broke? It's most likely illegal and you can probably lodge a complaint against them with your state labor board. There will probably be repercussions, though. They'll find some reason to terminate you eventually.

Who told you that living paycheck to paycheck is how you are supposed to live? The same person who told you that Santa Claus is real?


stratoframe
Rating
The Bank will a;ways make a profit on any misery you endure.Even when they spit on your prosthetic leg.You might get reimburst for the credit card use,but seriously you are sunking thumb.


ShouldBeWorking
Rating
I think it depends on the state you live in. More importantly, you could probably sue your GM directly for harassment because how you live is none of his business!


P.Y.T.
no they cant do that you should consult a lawyer, or your union rep if you have one or human resourse. or the employment board or whatever it's called.


Ang
yeah what they said to you was very unprofessional and not needed. The sad things is there isn't much you can do, but i think you can go to one of those places were they will cash your checks in advance. there is a downside to these places i think they will ask for certain percentage not sure.

* i recommend that if your job offers DIRECT DEPOSIT you use it b/c they actually will have your money in the bank the night before payday. in your case it would be on Tuesday night.
my mom has that and her payday is Friday but with direct deposit she will receive on Thursday night

Good Luck ☺


Richie Rich
If I recall federal law correctly, if the company states they pay thier employees every 2 weeks on a specific day, they must pay on that day. Only exception is with prior notice.

The GM was giving you advice. Living paycheck to paycheck is a sure fire way to get into more trouble. You may not be living above your means, but you certainly are not living below them.

Although you may have a leg to sue them, it is best to go through the system first. File a complaint with the workforce commission and have your co-workers do the same.


aabc44
they could have at least written your check by hand.
Their rationale wasn't correct (one big check a month later), because they are using your money anyway even if paid timely (remember your check is for the two work weeks ended a week before the payday).
They have an obligation to pay you timely just as Comcast, cell phone, rent are expecting your money by the due date. It's like you're selling your employer your time and manpower, and in turn you expect to get paid timely for the services rendered.
Or else they should pay late fees like you would to your service providers. That's what I think, it never happened to me, only once, a one-day delay, but I don't live pacheck to paycheck (and by the way, your boss' comment was out of place, how you live your life and spend your earned money i none of his business). At least he could have been understanding of the personal situation his payroll created and offer a payday advance or something (loan), not out of his pocket, but some sort of arrangement for the portion of your salary that would go to pay the upcoming bills.
I have no idea if you can sue them for this. Obviously you can, but don't know how the case would be handled and the outcome.
I would suggest borrow money from friends, parents, not loan sharks. Maybe the rent can wait if you live in a small complex (maybe an IOU would work), cell phone or comcast i don't think so, they want your money when it's due, otherwise prepare to pay late fees (they should then be reimbursed by your employer, it's their fault afterall).
But at any rate, they're explanation (printer) wouldn't fly with me. Is your company in good financial standing? sometimes paycheck payment delays are a sign of a troubled company, cash flow issues., robbing peter to pay paul, isn't that the saying?


B2B 11/08
Rating
go to check n go or someother place like that and get a payday advance!


artistagent116
Rating
Paycheck to paycheck is a very dangerous way to live. With no savings, how do we prepare for emergencies? Oh, you are finding the answer to that right now.

As for suing them, how on earth could you retain an attorney? You're broke.


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