 Debt worries? |
| Does anyone worry about being in debt anymore? I have several friends/family mambers who spend, spend, spend, they say they are up to the hilt in debt but it does not stop them booking holidays etc. I... |
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 Do you think banks are a bit mean? |
| I have an agreed over draught of £100 which basically translates to a loan which is interest free. What I want to know is, if this is my agreed overdraught limit ie the amount I am allowed to go ... |
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 If you only had 24 hours to spend 10 million dollars,how and where would you spend it all,..,??? |
| lets assume you were sick and dieing of a terminal disease,. but had only 24 hours of life left and also 10 million dollars to spend,.how and where would you spend every cent,.explain in your own ... |
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 I need to find out if this person iswho he says he is.? |
Claims to be a solicitor in London but I can't find him in the book.
Law Office of David S Roth, 72 Fulbourne Road, Suite 12, Walthamstow, London, E174EG
TeleFax: +(44)701-112-1770... |
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 Why is it so common for Americans to "stick money under your mattress"? |
| ...given the amount of quality financial insitutions in the US? Do you think hiding your money in some "unusual" location in your house is much safer than keeping it in your desk drawer?... |
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 Whats a fast way to get some money? |
Besides stripping, selling drugs, or selling my body?
Additional Details
I work full-time and go to school full-time, I need EXTRA INCOME that will not interfer with my job or school.... |
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 Can someone like me work from home? |
| im a new mum my son is 10months old but i cant afford the child care needed for me to go back to work but still need the money from working, any way does any body have any ideas as to what i could do ... |
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 How can i make 15,000$ within 2 years? |
| Im 15 years old, and im trying to save up money, im really good when it comes to saving, i rarely buy things unless its for a special occasion. How could i get more money, i mean what jobs are theyre ... |
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 Should i get a job? |
| Would you work a 9 till 5 shift if by the end of the week you would only be £100 quid better off. I have had a benefit calculation at the jobcentre and this is what they told me.... |
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 How do 13 in england ern sum gd cash not lil mony i men ders a hol hep of stuf i wan buy + takin ma a babe out? |
iv got my name on a paper rnd list but i like my fashion like quality fasion not cheap crap. but since da price crunch ma parents hav got evan more stingey so no hop der
jacob
... |
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 Stimulus check? |
| Who has received their stiumlus check? I have not and my number end with 85 and I had my tax refund direct deposit.... |
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 I Have sold my car but don't want to put the cheque of £3,000 in my bank account? |
| As my bf is a compulsive gambler (anyway that is a different story) Could you recommened any cheque cashing stores, And do you know how much they will charge to cash a cheque for £3,000 Thank you ... |
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 Has anybody here had any dealings with Capital One? |
| I had an arrangement with Capital One to pay the minimum charge whilst I was ill - they added every single charge to my account during this time. I have tried in vain to get some explanation from ... |
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 How can i earn money from internet. without any ivestments and what are is filling forms and get earned? |
| now a days we are geting many adds like earn money from home no investments just register your self but we are not getting any thing from ... |
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swlaughter1971 | What is the best way to get ahead and stop living paycheck to paycheck? |
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Kerry
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Assess your "wants" verses your "needs." You have to have the needs, but the watns can be optional. Cut down on your wants as much as you can; eally cut them down. As you adjust your budget, you committ to trying out the new budget for awhile and stick to it.
Ben Franklin said the success to becoming rich and walthy is to spend one less penny than you earn. And keep doing it consistently over time. |
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emmikenz
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It wouldn't happen right away, but I was always told to take 10% off the top of every paycheck and put it into savings. Pay yourself 1st. Good luck. |
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dragon
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As I am in simular shoes and starting to see the light at the end of the tunnel, not to mention several years older then you, I can only say this: Buy only what you REALLY REALLY need, work very hard including even a second job, eat healthy foods that are not costly, and most of all think positive and I do mean think that at all times. It't true that the energy you put out comes back to you double fold. So think positive. |
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ed
 |
Sit down and list all the "fixed" expenses and any debt payments.
This includes Rent or Mortgage
Utilities
Car payment
Credit payments
Insurance
Any other regular monthly payments
Then list your Discretionary expenditures
Food
Clothing
Entertainment
Auto fuel
Subscriptions
You may find that "high interest" on credit cards is a culprit.
Any others under your control.
If the total exceeds your net take home income, you have some decisions to make. The most likely is under discretionary expenditures. You may find that many of those are "wants" not necessities. |
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Scott
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Check out these 2 websites: daveramsey.com or clarkhoward.com both have radio shows helping people with money things.
Write it down might be something for you to try. Have 2 columns 1 for expenses 1 for income. If you want to do better write down everything that is a necessity in your expense side. Like the roof over your head, Utilities, Car payment, Insurances. Then you'll have a discretionary spending such as clothes you don't really need. Eating out or more expensively than necessary. compare all and cut down on your expenses. |
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Luis
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Set a budget. A budget will organize your paycheck and all your payments that're going out. Then you can also figure out how much you want to save, open a savings account and put that money in there. That means you can't easily get at it, because it won't be right in your bank account for you to spend.
You can just use spreadsheet software(microsoft excel for instance) to set everything up and do it on the computer(the planning, the banking and payments you do separately).
A good budget puts you miles ahead, because you're not scrambling with bills all the time. You'll know exactly how much is going where. |
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grrl
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Plan & stick to a budget, live within your means, payoff & cut up credit cards, lower utilities bills as much as possible, got a gas guzzler? Get a small/midsize car w/good gas mileage, if you eat out...stop. Shop sales & discount stores.
Hope this helps. |
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Simon M
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Cut out the wasteful spending, Don't eat out as often. Then take the money you save, and put it away for bigger purchases |
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NB Violet
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There are a lot of basic steps like separating wants and needs, and finding a budgeting system that works for you. Set realistic goals and enjoy watching yourself reach them.
One of the best web sites I've found to offer encouragement and practical advice is www.stretcher.com. Good luck! |
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INACTIVE
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One of the biggest drains on the budget is credit. It makes no sense to charge for things you don't necessarily need and then pay interest on top of the repayment so carefully monitor what you are charging and why. An item on sale might seem like a "must have" need but to repay $30 for a $20 item makes no sense. If you have access to a 401K plan, set one up because the money you contribute will be tax free and will be worth even more if your employer matches. That's free money and while you won't help you now it will definatley help you in the future. Pay into that fund with every paycheck and forget about it. Now, you should review your expenses and find ways to cut them. Do you need a home phone and a cell phone? Do you shop with coupons now? Are you buying from the best suppliers or do you buy on impulse? Have you shopped around for credit card rates and cable tv plans? Can you work a part time job and put a few bucks into a savings account that you don't have access to? Your local library should have a number of books on ways to cut costs. I just read one called "Frugal Living for Dummies." Only YOU can make the determination between a want and need but if you spend too much on wants, there won't be money left for needs. Do you go out to eat often or buy lunches from your employer's vending machines? That 60 cent can of pop may not seem like alot but in twelve packs is only around 25 cents. That extra 35 cents you are paying comes to $91.00 a year based on five days a week. I am not suggesting that you nickle and dime everything to death but realize there are things you can cut down on and never miss. Only you can determine what's right for you and your family to substitute but when you shop, shop for value. If you have to limit yourself to only spending $50 a week on groceries then set and stick to that limit. You don't have to give up on pleasure in life but be aware of why you get pleasure from certain things that could be substituted. There's no shame in living frugally. |
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senubenu
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Well I am dealing with this too! I talked to girlfriend who told me about ingdirect. They are a bank that is totally on the internet. They do not have branchs. But they do link to your chequeing account and offer higher interest and no banking fees. They also allow multiple accounts.. meaning you can have them automatically move money to different accounts. So you can have 50 bucks go here and 20 there for different things like.. saving for a car.. etc. I am just starting it but it sounds great. If you owe on your credit cards consolidate them all to a lower interest rate like a line of credit. Then you need to look at all your expenses and cut out stuff you can live without. This day and age when more is better we really need to be careful of how we spend our money. Look at your phone.. maybe you just can use your cell instead of having a home line. Barter with your cell phone provider for the best deal. Use calling cards for long distance. Stop buying junk food.. that crap is sooo expensive! And don't look at flyers for specials! I find that if I don't know about it .. I won't go there to shop. Make a shopping list and stick to it. And stay away from malls and such. I transfered from one area to another for work cause there was a mall way to close and I racked up a 4 grand bill there. Not Good! Get rid of all credid cards and just carry one and use your interac card the most to keep track of what you spend. Even better, use cash. You won't spend it if you don't have access. I am not perfect either but with a little will power and awareness I hope I make my goal and I hope you do too! |
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Luvly
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First, try to cut your spending: call your credit card companies and ask for a lower interest rate or try to get a low interest rate transfer balance deal (Chase offers deals with no balance transfer fee). Talk to your landlord about getting a reduction in your rent, sometimes you can offer services (such as painting the walls) to get a rent decrease. If you own your home, see about refinancing for a better interest rate.
Eat out as little as possible and don't go to snack machines or buy sodas at convenient stores. Cut your cable and home phone line, get a cheap cell phone plan instead, do without the cable/movie going until you get financially fit. Shop at thrift stores for clothes and housewares instead of the mall or specialty stores. Look at ways to cut spending by creating a budget and sticking to it.
Ask your boss for a raise, put together a good argument as to why you deserve more money. If you don't get a raise, start looking for another job that will pay you better. If you do all these things, you should begin to have money for savings and eventually stop living from paycheck to paycheck.
The best savings account would be emigrantdirect.com . They're currently paying 5.05% interest with no minimum balance and no fees. Check it out to open up an account. Best wishes! |
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brettbear
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Save ur money. Buy only the things you need. An spare change and you can put it in a jar. Then go to the bank buy some paper rolls and put the coins in the rolls there sapsta and put them in the bank.Or use coupons they can help by taking money off. |
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hannibal_barca
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Lying, cheating and stealing seems to work for most people. |
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Dr Universe
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Put some in the Bank
and only spend on things you really need |
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Always Right
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spend less |
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ParaskeveTuriya
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win the lottery |
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Caroline
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1.Cut corners would be my guess unless someone can't cut any more.
2.Invest one share into Idaho potatoes!?
3.When you find the answer let me know.
Good question. I liked it. |
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