 Am i getting paid to little? ? |
Im 14 and i babysit ONE kid from 3-6 sometimes later up to 7 and i get 50 a wk what do you think?
Additional Details
5 days a wk monday-... |
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 I am looking for an unsecured personal loan of £5000? |
Hello
Which UK loan brokerage or firm, is most liberal in the provision of unsecured personal loans(i am looking to borrow £5000). I have a good credit rating, but no property or proof of ... |
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| It would be 1,750 Dollars a month....Much more than I get now...so do you think this is good or bad?... |
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 Should I take on his debt? |
| My fiance has about £10,000 debt. This was caused by him basically being a bit stupid with money a couple of years ago. He is paying off a substantial amount of the debt monthly but is really ... |
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 HOW can I start saving? i'm 10 yrs.old? |
| I can't concentrate saving because there are many distractions that I encounter like:Internet, buying loads for my cellphone.I need your best advise!!! THank you & MERRY CHRISTMAS!!!... |
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 I got an email from a guy is S.Africa who needs to send me 10 MILLION$$$! However,he requires 10k$ up front..? |
...for administration purposes.
Now, he is from the oil sector, and that industry does have that kind of money.
Question is...would I be 'covering all my bases' if I ... |
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I would
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 £650 pound just got paid intoo my account by mistake? |
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 I REALLY need to move out of my parents house but im not making enough money. how am i supposed to get out? |
| Im 19 and its clear that both me and my parents want me out of the house. The problem is that the money i make varies week to week from 75 to MAYBE 100 dollars. I absolutely hate the job im at. Im so ... |
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 Should I pay off my car with my income tax return or just save it? |
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 I need to earn some extra money .? |
| Prefferably from home. I have seen many 'work from home' sites online but am wary as I have heard that there are many scams about. Can anyone recomend any legitimate online survey ... |
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 My employer's bank charges me $5 to cash my payroll check? |
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Kris | Someone plz give me tips to get out of debt? |
I have accrued alot of debt through student loans - 10,000- and through credit cards - est 15,000 - what is they best way for me to get started on this? I havent been paying for a while on any so I am now brushed off on collection agencies and i am in default w loan |
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i sexy
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throw away your credit card. get rid of things you dont need
thank you come again |
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Your_Star
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cut up all of your credit cards. and ever paycheck, take out a hundred or how much you can afford and pay off the credit card every week/bi-weekly |
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sarah
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well i think you need some tips on how to save some money. my mom used to be a financial educato, so i know about this stuff.... first of all what are you spending your money on? do you smoke? if you do stop! its a very expensive, and gross unhealthy habit anyway. that right there will save you money. do you have like one of those cool cable boxes for your tv that cost a fortune? if you do, use basic cable at least for a few months, believe me yes you can live without it. get a cheaper cell phone plan. don't eat out as much. i've limited myself to only going out to eat on the days i get my pay check, every other friday. are you a huge shopping spree spender? start just looking and not spending!!! ONLY buy what is absolutley necessary, like groceries. if you MUST go out to the mall to look, or even buy something small, like a birthday gift for someone, bring a trustwothy friend that will not let you spend a lot of money. let her hold onto your credit cards so you can't spend your money. those are all the ideas i have. GOOD LUCK!!!!
just thought of a great idea! have a garage sale and sell what you don't need/want to help pay off your debt. |
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homeschoolmom
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The people who said to stop using your credit cards are right, although it sounds like you can't use them even if you wanted to, if your debts have been turned over to collection agencies.
Contact each of the collection agencies and work out a repayment plan. Don't try to get out of it by settling - you made your bed and now you have to lie in it (Honey, I've been there w/$16k in credit cards debt and $40k in student loans - still working on the student loans). Tell the agencies what you are able to pay each week or paycheck or month even if it's only $10. Don't let them tell you they need a minimum of $X. It's your money and YOU know how much you have (or don't have).
RUN to the library and BORROW (you don't need to be buying anything right now) a copy of Dave Ramsey's book, "Financial Peace" (or "Financial Peace Revisited"). It helped my husband and me get 'gazelle intense' and pay off $20,000 in debt in ONE YEAR - legally!
I know things look pretty dark right now, but this is something you absolutely CAN do. You just need to make the decision to live on less than you earn and get out of debt forever. |
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m3_mY$3Lf_!
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stop using ur credit cards...earn money and pay off ur debt |
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dukefan86
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Sit down this weekend and come up with a budget. Find out what you need to cover basic living expenses, including building an emergency fund. Take a period of 1-2 weeks, starting Sunday, and track your expenses. See where your money is going and where you can cut costs without losing your sanity. (Remember that this is temporary, until you're in the black.) See what money you have to work with to pay of your debts. Then list your debts--maybe scary, but important. Call and talk to them and work out a plan.
You don't mention a job...do you work? If not, then look for a job. Cnsider getting a second job, sell unwanted things on eBay, get rid of unwanted books at a used-book store, and use that money toward your debts.
Make sure you're current on your utilities, rent or mortgage, and car payment, if any, first. It's important to make sure your basic needs are taken care of first.
Then start paying off your loans and credit cards, paying some on everything but putting extra $$ toward the smallest bill first. There is a sense of relief and accomplishment in being able to cross debts off your list. Once one if paid off, use the $$ you were spending on that bill and put it toward the next smallest. Build from there.
Good luck! |
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hotirongirl
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Pay at least some of every bill before you spend your cash on anything else, that will give you a breather from the collections. Continue to pay small amounts to each every month, negotiate interest rates if you can. They'll be happy to get some money instead of no money. |
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DebEgirl
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Ok, cutting up your credit card and cancelling the account, can just make things worse. It'll really jack up your credit score. Here's what you need to do.
1. Stop using the credit card. But don't get rid of it.
2. Get a 2nd job in addition to your full-timer, even if it's just 15 hours a week, it'll make a difference.
3. Stop eating out. Or limit it to once a month. Brown back your lunch always.
4. Turn the AC up a little. Live with a little more heat and save some big bucks. (I put black curtains up and keep the light out, which really can heat the place up, I save big bucks!)
5. Get rid of cable TV. If you get another job, you won't have time for it.
6. Now that you have this surplus money, use it to make the minimum payments on the really large balances. Then put as much as you can towards the bills with the smaller balances. You can get them paid off more quickly and then put all the extra money on the big bills. Make sure that if you can, you pay more than the minimum balance. A lot of credit companies make the minimum payment less than the finance charge.
7. Do not miss a payment or pay late. When you do this, you not only pay extra fees, your APR interest rate, goes up to like 30% or more. Ouch!
8. Call all of the credit card companies and see if they can lower your interest rate. You'll have to speak to the supervisor, so be prepared and be strong.
9. Stop drinking Lattes from the Starbucks. You'd be surprised how much you can save a month. Trust me.
10. Go to Oprah.com and look for some info. I haven't seen the shows, but she has been running specials about getting out of debt.
11. If you don't need it, don't buy it. Wear the clothes you already have, and live without.
I paid off over $5000 of debt in 3 months by working 2 full time jobs and essentially dropping off the face of the earth, but I did it and you can too. |
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aamishboy
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Re your default: Go to your bank and ask can you repay just the interest, usually a positive answer as any money is better that no money!!
Then get a consolidation quote from them.
Putting all your eggs in one basket when the eggs are multiple loans is a VERY good idea.
When you have their quote/ interest rate go online and look for sites that show many offers re consolidation. Contrast and compare!!!
For example: http://www.net-search.uk.net/finance/Loans
(I am in no way connected with this site etc etc) just enter something like Cheap loans into your search engine and check out a few. |
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martinpeters
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DO NOT USE A "GET OUT OF DEBT AGENCY"!!!! THEY ARE A HUGE SCAM AND WILL SCREW YOU EVEN MORE!!!!!!!!!
Can the credit card companies, explain the problem, set up a payment plan and ask for zero interest. If they say no, tell them your alternative is bankruptcy, in which they get nothing. They should want to work with you. |
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Christy
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If you are a home owner, a home equity loan is a great way to go. You can write off the interest on a home equity loan on your taxes and the interest rates tend to be lower than personal loans. Home equity loans are easier to obtain that personal loans and close quicker as well. |
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jachooz
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Only buy things using cash. No credit. It's amazing how many things you'll no longer "need" whjen you have to use cash. |
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jdc4ou
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Get the book by Dave Ramsey called the Total Money Makeover. I promise it will give you all the info you need and it is very easy to understand. I promise if you do the steps in the book it will change your life. |
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Amadeus
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With debts that big, you really should consider bankruptcy. Most cities have lawyer that will file for you, under $200.00 dollars.
You credit is already ruined. So you might as well start over without debt.
Good Luck! |
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jon
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stop spending |
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unaboriquasexy
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start by not using your cards any more. contact each card individually and try setting up some sort of payment plan...it sounds impossible but easier than you think; i did. as to your student loans, do the same. once you have payment plans in place, definitely send the minimum payments due. and when possible send a little more. before you know it the debt will be manageable and soon after that you will be debt free. i can tell you from personal experience that it can be done. i used to be $15k in debt and was able to pay it off within 3 years. all it took was a little determination. |
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InsuranceChick
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Call the companies you owe money to and work out a payment plan. Those debt consolidation plans never work, believe me I've tried it. Most credit card companies are willing to make arrangements. |
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leslie
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I know if you put money into a separate account, and do NOT spend it. You also pay the bill, but then you take the extra money you put into the account, and put it on the bill too, you only take how much you NEED. Dont do extra things till you can afford extra things. You can always do the account thing, even if you get bills payed off, because in a bank, you earn intrest. I'm only a teenager, but i know when i put money away, and save up, i end up with more and more. SO i say to pay extra on your bills, to pay them faster. |
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nicole02
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you should one, not charge anything else or get any new accounts, then think about calling and set up some type of payment plan with the collector. you will be shocked on how they are going to be willing to work with you. also maybe refinance the loans with a lower interest rate which will lower you payment and give you less monthly obligation. but set up some type of repayment you never want to default the government, sallie mae will make you pay big time and you also incur more fees and charges, well good luck and spend wisely and do not have any inquiries on your creidt or open up any thing that you do not need. |
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unknown
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www.debtconsolidationcare.com |
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emma
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earn more
spend less |
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sportznut05
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get a job....
don't buy things you don't need....
get another job....
don't be in debt in the first place is the best suggestion |
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sabastian_erie
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Option - I
1. Cut and throw your credit cards away!
2. Look for a better paying job opportunities.
3. Try to plan yourself with your monthly expenses.
4. See if you can have one huge credit rather having 10 small credits.
5. See if you can make more $$$ in less time (better hourly rate)
6. Work More Hours
Option - II
Let your credit card companies know that you can't pay them!
Option - III
Go to some other country and start your life all over again!
Option -IV
Marry someone whoz rich enough
Option -V
Keep buying lottery and see if you can win a million $$$ |
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Richie Carey
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You need to develop and stick to a budget now and every day moving forward. Spend a bit more money and get yourself to a professional accountant and ask them to help you design a life-long strategy for managing your finances. If they can't or won't help you, ask them to refer you to someone who can. Keep at it until you find a pro that you trust to help you regain control.
If you don't get a grip on your finances right now you will have pain for years and years to come - take charge right now and you'll be on the right road before you know it. |
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Truth-Searcher 1724
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1. Have you consolidated your school loans into one low interest loan? If you are still a student you can defer school loan payments.
2. Destroy credit cards and inform creditors that you have done so. Close the creditcard accounts. You can do this even when you still owe them money.
3. Contact your creditors by phone and in writing. Explain to creditors that you want to meet your obligations, but do not have the resources to make full payments at that this time. Request a payment plan that will allow you to meet these obligations. When this has been done, the creditors will stop late fee charges and over credit limit charges.
4. If they (your creditors) will not work with you, contact a reputable credit counseling firm and let them help you. Be careful ... there are bad firms out there as well as good ones.
5. Pay off your highest interest rate debts first.
6. Very important ... don't buy if you can't pay cash from now on.
7. Final resort is bankruptcy. I don't know what the new bankruptcy laws are, so I can't help you there.
8. Don't wait ... things will only get worse. The credit card companies will just keep adding late fees, etc as well as interest each month. |
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trovanhawk
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Spend less than you earn.
Start out by making just the minumum payments on all of your debs, except one (the one with the highest interest rate). On that one you will pay as much as possible until it is paid off. Once that debt is gone, move all of the money you were paying to that one to the one with the nect highest interest rate. Still only pay the minimum on all others. Continue this until they are all gone. |
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mentat_tir
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Here are some suggestion I have for you...
1. Don't ignore your payments if you're short on money. At the first sign of trouble, contact your creditors to explain your situation.
2. Don't procrastinate. If you let things slide the resulting negative information stays on your credit report for at least seven years, up to ten years for bankruptcy.
3. Consider credit counseling. If you're buried in debt and can't see a way out, get some help. Contact the National Foundation for Credit Counseling, www.nfcc.org or 800-388-2227, for the location of the NFCC member agency office nearest you.
4. Don't borrow your way out of debt. Avoid using so-called payday loans to make car, utility, or other debt payments.
5. Beware of quick fixes. Avoid so-called credit repair clinics that promise to repair your credit reports for a substantial fee.
Best of luck! |
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Kristen B
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Consolidate and stop spending. Cut up the creidt cards and get a job. Move back home. |
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