Personal Finance - December 2007

I'm trying to save money, as I will be 18 soon. I want to have a back up source of money just in case a paycheck doesn't cut it on any particular month, but the one thing stopping me from saving a respectable amount of money is my impulsive spending. It's not that bad - I don't spend 100's of dollars a month. But even so, I want to break the habit. Does anyone have any tips for me?

Thanks!

2007-12-28 07:10:34 · 7 answers · asked by Anonymous

Since my husband and I own an electrical contracting company, I not only work outside of the home full time, but also do our books, payroll...etc. We know have 8 employees (full time) and around 17 builders. How can I figure if we have enough for me to stay at home? We have just built a new house and are closing on our old one Jan 15th, so we will be able to pay off that mortgage along with a car payment. I think all we will be left with will be my husband's truck payment, our new mortgage and a tractor payment. I know to make a list of bills..etc, but what is the ratio/ debt/income formula they say use?

Oh and I will lose insurance on me and my husband, but I can get it through our business, while I get it on my employees. So what can I do?

2007-12-28 05:52:56 · 6 answers · asked by GreeneyedCowgirl 5

2007-12-28 05:44:33 · 6 answers · asked by lindaarmstrong42 1

she has a job that pays well but i wanna find her a better job that doesn't make her so crabby. she fusses all the time! and it stresses her out. i wanna help. she has been to a business school for 6 months with a high school diploma..

2007-12-28 04:37:42 · 2 answers · asked by Anonymous

I currently have 29.5 years left of my 30 mortgage at a rate of 6.5% and was considering adding about 3k a year extra towards my principle. Some people say its good/bad to add extra? Any thoughts would be appreciated.
Thanks!

2007-12-28 04:27:58 · 16 answers · asked by spector75 1

2007-12-28 03:43:59 · 6 answers · asked by Anonymous

I joined a trail on my debit card and I looke at my balance and my account balance wasn't negative but my available balance was. I figured if my account balance wasnt negative and they didnt take out any fees yet and I plan on canceling the trail how can I be charged an overdraft. Well they charge me an overdraft for 35 bucks. Well I call them up and they said that they would fix the overdraft if its canceled. Well one payment before the overdraft that would go through created another overdraft just because of there first overdraft fee. When I asked to talk to a supervisor or another customer service guy that would be less rude he threatened me with an outermadem that he would reverse a credit that he already authorized. Is any of this legal? can they charge you an overdraft on an available balance thats still pending and not taken from your account balance? and how long can they keep charging you 8 dallors a day overdrsft for?

2007-12-27 23:33:51 · 3 answers · asked by Aintitthetruth 3

Most importantly... should I even stick with college if I am making close to 7 figures a year? And if you want to know I simply got rich of the internet like countless other individuals.

2007-12-27 20:33:57 · 12 answers · asked by Jeremy J 3

OK so currently I have about $10K saved up. I am also expecting a $35K inheritance check within the next year. In addition, I have about $34.5K currently outstanding in student loans which I will be paying at about 6.5%. My question is whether I should use that inheritance money to pay off the student loans all at once immediately or should I keep that money and do something else with it (invest etc..)?

2007-12-27 16:20:31 · 3 answers · asked by Patrick H 3

2007-12-27 16:10:47 · 2 answers · asked by Tamara R 1

If you only had 100 bucks a week to throw into a do-not-touch-account, what is the best thing to do with it?

2007-12-27 16:05:34 · 4 answers · asked by Anonymous

I'd really like your opinion on this question. Thank you.

2007-12-27 15:40:37 · 1 answers · asked by sdn90036 6

I am selling my house and the purchaser must meet coop board requirements financially. I am advised that this person is 50 years old and has three forms of income. One is a pension from being a corrections officer, the second income from a second job he works now, and social security is the third source of income.

How could this be at an age under 65...

2007-12-27 15:38:21 · 16 answers · asked by William H 2

2007-12-27 14:46:58 · 1 answers · asked by wise investment 1

2007-12-27 14:45:34 · 4 answers · asked by ericfaul2003 4

What happens when you turn in fake money to the bank?
I know it wouldn't added to your balance but just carious.
What does the bank do with it? And other info. like that would be nice. Thanks in advance.

2007-12-27 14:36:23 · 4 answers · asked by EPD23 4

2007-12-27 14:35:40 · 2 answers · asked by andrea b 1

2007-12-27 14:29:02 · 2 answers · asked by Ken K 1

My husband and i have done everything we were told to do and our mortgage payment still went up. We can't afford 3400 a month. We have to let our house go. Do we need to file bankruptcy or not. I know if we want to try and save it we do but we just can't keep it. Also we have the option to buy my family home that needs alot of work but it will be a owner finance. Can they come after that home?

2007-12-27 13:57:09 · 5 answers · asked by Kristi F 1

from centrelink. My money is not used to pay bills as my husband takes care of those but I want to make a credit history of my own. Does anyone know of any banks that may approve me or are personal lenders the way to go? Has anyone had any experiences with these types of lenders? I am looking to return to work sometime in 2008 therefore will also be able to repay more once this happens.

2007-12-27 11:54:17 · 2 answers · asked by mum23 1

Is it true that if I work 25 years straight for the same company, I can begin to collect partial social security checks (retirement) until I fully retire?

2007-12-27 11:41:39 · 5 answers · asked by counselor23 2

i need to apply asap.

2007-12-27 11:25:51 · 2 answers · asked by CHUY 1

2007-12-27 11:03:17 · 5 answers · asked by ElmSpike 1

He doesnt have the $3000, what would you suggest he do?

he has bad/fair credit

thanks for any advice!

2007-12-27 10:21:07 · 15 answers · asked by veranoduck 2

2007-12-27 10:17:27 · 3 answers · asked by TK 1

I just opened up a pay pal account. But where would I find the account number?? When I'm purchasing something, how do I pay for it through pay pal?? I know this sounds like a stupid question to everyone who has pay pal. But I'm new at this and it doesn't look anything like a normal bank account.

2007-12-27 10:05:49 · 5 answers · asked by Anonymous

I had registered but i didn't read the privacy policy..

help me please..

thank you..

2007-12-27 10:04:50 · 3 answers · asked by ideasodabsbskla 2

Is routing number the same for different accounts in the same bank?????

For example would the routing number be same for two different accounts under tcf or even chase???

2007-12-27 09:27:16 · 7 answers · asked by John 3

I was wondering if a credit card company could take my condo if I cannot pay the debt? I have not worked in a year but I have been actively looking,but in a years time I have used up all my savings so it appears I wouldn,t be able to pay my credit card and other bills.So what does it mean when a credit card company puts a lein on a piece property like my condo,can the credit card companies take it away?

2007-12-27 09:14:51 · 5 answers · asked by maxcat2005 1

Before christmas i transferred 300 dollars from my paypal account to my checking account thinking i'd have the money right away.

i just logged in today to realize i have negative 703.04 because i got 14 overdraft fees and my paypal balance did not transfer yet!

i do not have this money and i need 500 by tomorrow to pick my car up from the shop (500 dollar deductible).

If i explain my story to someone there will they have any sympathy or am i screwed?

2007-12-27 09:02:43 · 8 answers · asked by Anonymous