Its only my income and its out of hand. how can i get control of this? please don't say to just stop because thats hard when its only my check paying bills. i need advice.
2006-06-20 06:34:53 · 10 answers · asked by pvelas 1 in Business & Finance ➔ Personal Finance
get a different job with a better pay schedule. or just learn to bugget your money
2006-06-20 06:38:05 · answer #1 · answered by emc251978 2 · 0⤊ 0⤋
You are spending your future instead of working toward obtaining one.
Do you really need a cell phone and cable? TV is a waste of time, and again is draining your time from building a future. Read books instead, and maybe you'll get that one idea that will change your life forever.
You don't say if you like your job, if it is fulfilling, if it brings you pleasure or a sense of accomplishment.
Become an entrepreneur. Invest your extra time in finding your place of interest, then find one idea that will make people flock to your door, and you will not only be happy, but good at it. It could either be a service or product, or supplying others with ideas.
I knew a lady who bought a rose for $1 and dipped it into gold paint, then sold it for $10. Once she built a website, she couldn't box them up fast enough around Christmas and Valentines Day.
2006-06-20 08:01:37 · answer #2 · answered by dredude52 6 · 0⤊ 0⤋
Get a second job - cash advance is worse than loan sharking..Work a second job just long enough to build a reserve so that you can take the time to truly budget. Bills are only due once a month, you get paid once a month - you just need a reserve to make sure you have the cash on hand WHEN they are due.
You will bury yourself in debt with cash advances and payday loans....it would be cheaper to pay the late fee on your housing bills than pay the interest charged by cash loan places!!
Really, you just need a cushion so you can time your payments properly.
2006-06-20 06:40:03 · answer #3 · answered by Paula M 5 · 0⤊ 0⤋
You really need to start setting a budget for yourself. Start writing down all that you spend and what you spend it on. Look at your list, decided what is a need or necessary and what is a want. I don't mean it is necessary to go out to eat everyday. Really look at what you are spending money on. Start a savings account, put a little away every paycheck for the once in a while treat yourself kind of thing. It may take you a while to get out of the habit but if you really put a effort into it, you'll succeed.
2006-06-20 06:43:22 · answer #4 · answered by txemt372 2 · 0⤊ 0⤋
Cut down any expenses you can. Try to save some money each month, even if it is a small amount. Cash advances end up costing you way more in finance charges than you should ever have to pay. Try to cut down or eliminate as many expenses as you can and save this money.
2006-06-20 06:40:35 · answer #5 · answered by rockinout 4 · 0⤊ 0⤋
Contact your all your creditors and explain to them your situation.
See if you can change the due dates to be more in alignment with your pay schedule.
Most of the time they will do it.
If they say no, ask to speak to a supervisor.
2006-06-20 06:42:22 · answer #6 · answered by Anonymous · 0⤊ 0⤋
You need a book by Dave Ramsey called Financial Peace. He tells you step by step what to do, and he makes you feel optimistic about the future of your finances. I promise it will give you new hope. It really worked for me.
2006-06-20 06:37:43 · answer #7 · answered by Ilene W 4 · 0⤊ 0⤋
don't use cash advanses they charge you 3% everytime you take out money rather do your purchases with the credit card and try to save some cash for items you can only use cash
2006-06-20 06:41:31 · answer #8 · answered by ysr0123 1 · 0⤊ 0⤋
I dumped my cell service. It cost me another 50-75 bucks a month...for what?
2006-06-20 06:37:21 · answer #9 · answered by LovePinkPuffies 3 · 0⤊ 0⤋
are you able to work a second job. maybe that will help
2006-06-20 06:37:25 · answer #10 · answered by Anonymous · 0⤊ 0⤋