I'm tired of paying bills!
2006-07-19 16:07:14 · 18 answers · asked by miho9000 3 in Business & Finance ➔ Personal Finance
Thank you everyone!!! I'm glad most of you guys had meaningful things to say tht will help me! =D
2006-07-19 17:47:20 · update #1
don't buy stuff you can't afford
2006-07-19 16:10:24 · answer #1 · answered by bobby 3 · 0⤊ 0⤋
Two ideas
--Most of what has been said is valuable, however, to pay off your debts quickest use the following formula. Start with the amount owed to each creditor and divide this by the minimum payment required. For ex., owe $500.00 and must pay $50.00. This gives you the result of 10. Do that for each creditor that you owe. Any amount that you pay over the total of minimum payments is sent to the creditor with the lowest number. When you pay off the lowest number creditor, then move on to the next lowest number, etc. The person who told me about this read it somewhere and then did the math by hand to verify it. Disregard the different interest rates. For some reason, this works.
--Read the book "Your Money or Your Life" by Dominguez and Rubin. It is the most natural way that I have come across to change your spending habits and feel good about what you are doing.
Good Luck with changing your ways.
2006-07-20 03:48:23 · answer #2 · answered by FromMyHeart 1 · 0⤊ 0⤋
Adjust your lifestyle so that you can live within your income and have money left over to pay off the bills. Once the bills are paid off, put the money into savings.
Make a list of your bills. Pay the one with the lowest balance off first. When it's done, add that money onto what you have been paying on the next lowest balanced bill and pay that one off next and keep working up the chain.
2006-07-19 23:13:19 · answer #3 · answered by J Somethingorother 6 · 0⤊ 0⤋
Use only one credit card and limit your use of it. Pay off all of your bills. Use cash most of the time. Make up a budget and follow it. Make sure you have a savings account. Even if you only save a few cents a day, it will add up.
2006-07-20 00:31:27 · answer #4 · answered by notyou311 7 · 0⤊ 0⤋
Pay off on all the Bills, then get rid of any Credit Cards,& use Cash instead. If you can't afford something , refuse to buy , until you can. Excuse me,-- ,keep 1 Card for only Emergencies!!!!.
2006-07-19 23:14:25 · answer #5 · answered by sqishieears 4 · 0⤊ 0⤋
Try buying the book from John Bradshaw Layfield.
2006-07-19 23:11:26 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Stop using credit cards and pay for everything in cash or checks. Pay of your debts
2006-07-19 23:10:50 · answer #7 · answered by jenks1545 4 · 0⤊ 0⤋
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2006-07-20 01:46:13 · answer #8 · answered by purpleaura1 6 · 0⤊ 0⤋
Get a book by Dave Ramsay. He is great. I paid off all my credit cards using his methods.
2006-07-19 23:10:39 · answer #9 · answered by bluuezzz 1 · 0⤊ 0⤋
a good plan of action is pay slowly on hosptail bills
hold money back for savings eat lite
spend smart
2006-07-19 23:48:38 · answer #10 · answered by Aaron J 3 · 0⤊ 0⤋
live beneath your means and save 10% off the top
2006-07-19 23:11:46 · answer #11 · answered by Larry l 2 · 0⤊ 0⤋