 How long do you have to cash a cheque before it is void? |
| I am in the UK and am wondering how long I hav to cash in my cheque as i am opening a bank account and am wondering when i should pay the cheque in. I heard it is 3 months but i need to know - any ... |
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 I have $60,000, what to do with it? Pay the mortgage or invest? |
I am thinking of paying the mortage with $60,000 so that I am debt free in a few years. I don't have any other loans or credit card bills.
Some people say that it is better to invest ... |
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 Is it prudent to transfer house ownership to your children ? |
| This would be a question for UK citizens....Many people seem to transfer their property to their kids for financial reasons, mainly to escape payment to the Government for elderly care etc.. What are ... |
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 I no longer like the bank I'm with. What bank do you like to use? |
| I'm currently with Washington Mutual. I thought about switching to Chase Banking, but I just heard they might not be that great of a bank. I know I don't want to go with Bank of America, ... |
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 Hi , i need a loan to clear off my debts in india. unfortunately i have bad credit history.? |
| earlier i had bad credit history due to unforseen circumstances in life. but now i wanted to payoff all my loans and wanted to keep one loan for tension free life. can anybody suggest me any bank or ... |
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 Money worries for xmas? |
| with xmas only weeks away im really struggleing to buy presents for my family. i work part time and my partner works full time but most of our money is eaten up by bills etc. theres just not enough ... |
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 I make about $400 every day from my music, is this considered lower or middle class? |
Need to know for tax purposes.
I make money from music from film licenses and sync rights. FYI - I don't have to "work" at all - I have a secretary that handles the ... |
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 If your 25 and have 300k saved in the bank? can you retire? |
Additional Details
i have my own house. it paid off. no mortage.... |
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 Need Cash please help? |
| Im 14 and i need to make 1000 dollars within a month and a half for a new computer so if you can give me any idease that would certaintly help....THANKS... |
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 Can an 11 year old get a debit card? |
| my little sister wants to get a debit card. i want one, too but if an 11 year old can, so can i! oh well, so do you know if you can i mean one that just takes money out of a savings account or ... |
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 Can someone lend me a penny? |
| you need 6 Mil to live the high life and I only have 5, 999,999,999 and 99 pence, need 1 p so I can fund my extravagent lifestyle.... |
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jamie p | What do you find is the best way to live within your means...? |
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webwych2003
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Hi
Unfortunately the answer is to simply make a monthly budget. It's horrible, I hate it, but it has enabled me to control my financies because I simply cannot afford to be in debt.
I was having major financial problems about 10 years ago and I had to get a loan to bail me out and that taught me a huge lesson. However, the "trick" I found to make it work for me is to allow myself money for me, to spend on whatever I want.
When I went to my bank to discuss my problem, I had done my first ever budget and I included £40 per month (yes, it was that harsh!) for me to buy a book or magazine or something for me once a week to make me feel better, because that is the worst problem: it's like being on a diet, the moment to deny yourself certain foods - that's all you want, I'm sure you can put it in a monetary context. I was expecting the bank to say that I was wrong, but the advisor agreed that it was the right thing to do, even though I probably could have paid off the loan a year earlier. It then becomes your choice either to spend or not to.
Ten years on my financial situation has improved (but not by much thanks to my commuting to work), I have 2 credit cards and I don't use them unless I can either pay back a minimum of half the monthly spend amount or just don't use them until there is a zero balance. I have an ISA and an extra monthly saving account and I've gone up to a daily spend of £10 per day for me. There are drawbacks, I know that if I meet with friends, I have to plan ahead and have to save my daily allowance to blow it with them or be mindful of the fact that a last minute meet-up means that I have already spent my allowance for the next so many days. As I said at the beginning: it's tough, I hate it, but equally I don't have any real debts to speak of and those that I do have are managable and, relatively speaking, very small. |
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Gayle
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Create a budget in Microsoft Money or Excel and stick to it. Only pay what needs to be paid and don't buy the extras. |
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jack
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simple....your outgoings cannot exceed your income..... |
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www.hogshead.info
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do go out, do go on holiday, dont drink, dont have fun, read books and dont have a life |
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crispycrump
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- Definitely shop around for the cheapest item
- Buy stuff off e-bay or get it for free on sites like FreeCycle
- Have an ISA and a savings account, as well as a current account
- Transfer your wages to the savings account and then only keep a small amount in the current account for direct debits and a bit extra, this means you cannot go out on the spend up as you can only access a limited amount of money
- Book flights, tickets, hotels etc. well in advance to get the best deals = being very organised
- Keep some money for a rainy day so that if the car / washing machine etc. breaks down, you don't have to put in on credit card
- Sometimes you just have to say no to going out, buying clothes etc. - you can't have everything |
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witchealer
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Use only cash, not credit and never borrow.! Like the man says, don't spend more that you get! |
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steve adams
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make money by listing things you have, and no longer need on free auction sites
like this one http://www.clixgalore.com/Lead.aspx?BID=27379&AfID=124898&AdID=4023
then use the money to go to car boot sales buy things and
then sell those |
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zzzzzzzzzzzzzzzzzzzzz
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I plan ahead and only buy things if I can pay cash. I don't have cable and don't smoke. I don't buy "empty calories" such as soda, beer, and candy. To save money, there is always something you don't need to buy every month, so put that money into a savings account. |
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Donna M
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Don't have any credit cards or overdraft facilities. Get only the most basic bank account.
I only have one credit card, that I use strictly for emergencies. Other than that, everything gets paid for in cash. It's nice to know that everything I have is paid for, and I don't really owe anyone anything. |
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Evie
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To work to a budget taking into account all essential expenses over a 12 month period, mortgage/rent, utility bills, car expenses, etc. All those necessary payments that are applicable to you. Divide by the No. of times each year you get paid. Take that from the amount you get paid and enjoy the rest.
Don't forget to save for birthdays, holidays, Christmas etc., then nothing comes as a complete surprise. Oh, and don't forget to put something away for a rainy day. You can do and it works and gives you peace of mind.
Always "Cut your coat according to your cloth". |
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WestCoastin4Life
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I carry cash and pay by cash, that stops me from buying things I don't need. |
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mesun1408
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earn quickly and spend slowly |
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GreenEnergynetwork.info
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Don't buy expensive "Brands" and unnecessary - Luxury - items
etc.
Take pride in managing, your - personal future savings - etc. |
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Ravaug
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Switch to a bank account paying interest and make sure you are never overdrawn. Paying money to banks is sheer waste.
Save up for things you want and sometimes by the time you have the cash you decide the item you wanted is not worth it. You will become more discerning how you part with your cash.
Keep a record of what you earn and what you spend. If you use your credit card write out the amount spent from your balance immediately and always pay off the total amount of your card when the statement arrives. Use telephone banking and state the date the payment needs to be with the card company and it will not leave your account until it has to so you avoid charges.
You have to take responsibility for your money and enjoy it - don't just throw it away because you can't be bothered keeping a check on what you are spending.
Good luck. |
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Avalon
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no credit cards |
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Harriet
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No-one does. |
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rcwr440
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SSSSSTTTTTEEEEAAAAAAAALLLL FROM SUPERMARKETS |
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