month and then something happens? Either the car breaks down or you have to buy Christmas or birthday presents, someone gets sick and you have to pay Dr and perscirption bills..
Seems like every time I think we are going to get ahead, someone always has their hand stuck out waiting for my money!
Does this happen to everyone else too? Or am I just unlucky that way?
2006-10-05 08:06:24 · 10 answers · asked by helpme1 5 in Business & Finance ➔ Personal Finance
Same poop,different day. Happens to me ALL THE TIME!!! I hope that makes you feel at least a little bit better!
2006-10-05 08:09:07 · answer #1 · answered by Terri R 6 · 0⤊ 1⤋
It happens that is why having an emergency fund so you don't get into debt.
I have several sinking funds that I put extra money into. For example, I put in $40 a month into car repair fund-you would put more if you have an older car.
Also for doctor's bills, consider a flexible spending account which you can put a certain amount directly from your pay before taxes to spend at the dr's and prescriptions.
2006-10-05 11:44:43 · answer #2 · answered by T O 3 · 0⤊ 0⤋
It's not luck. It's poor planning. Make a budget for yourself and stick to it! Sure, things like car repairs are beyond your control, but you should always know when Christmas and birthdays are coming.
Figure out your take-home pay for the month. If you get paid weekly or every-other week, count on four pays in a month. Subtract out your known bills (rent/mortgage, credit card bills, gas, electric, car payment, car insurance, etc.). Look at your checkbook to make sure that you don't forget anything. Look back over the entire year because some payments aren't monthly. What you have left is what you need to divide among food, entertainment, clothing, toiletries, and such - and SAVINGS.
Put 5 - 10% of your take-home pay into a savings account. If you can not afford to put at least 5% into a savings account, adjust your other spending. Get rid of cable, stop going out to dinner, don't go to the movies, buy generic brand foods, and cut back on other luxuries. If you can't afford to put 5% into your savings account, you can not afford luxuries!
Then, when you have a car repair or something unexpected, instead of charging it and paying 25% interest, you'll have cash to cover yourself.
The best way to stay out of debt is to pay off the credit cards. They should only be used for convenience, not credit. If you carry a balance, you need to stop using it. You will never get ahead with credit card debt.
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2006-10-05 08:07:43 · answer #3 · answered by FozzieBear 7 · 0⤊ 1⤋
Its everyone, no matter how hard we try to get ahead sometimes 'Murphy's Law' is out to get us. Try to cut back a few expenses and put $100 aside a month so when bad things happen the money is there...
2006-10-05 08:25:04 · answer #4 · answered by Anonymous · 0⤊ 0⤋
The better question is who does this NOT happen to? Yeah, some of it may be poor planning, but I account and budget for every cent I spent, I make a good salary, but something ALWAYS comes up just when I"m pulling ahead.
2006-10-05 08:11:20 · answer #5 · answered by teel2624 4 · 1⤊ 1⤋
A conservative vs a loose spender. i think the your pains. i became there, am suffering yet issues are searching better suited now. i recognize you adore her. yet you ought to be a guy and face as a lot as safeguard your pastime truly than letting her drain you. Love sometime take difficult selection. truly one of them is having your own account. take care of you funds on my own besides the actual shown reality that she will be required to allow you to recognize what's choose at living house. in case you do not have it, you do not have it. Secondly budgeting is a mission right here highly her. She would not no longer plan a head of time. She might want to do not ignore that leisure come after worry. If she placed leisure earlier worry, guy think about far to bypass and ultimately it might want to convey about separation. i became there. My entire kin expenses were only $1400.00/month and that i earned better than $3500.00/month. at the same time as am obtainable suffering to met my objectives, she became busy with quick foodstuff, proper classification mistress etc and after I come, no longer some thing became there to eat. I had to prepare dinner. gas became killing my pocket. each day a minimum of $30.00 and the better I complained the better she did it. I although I had pretty a lot $8000.00 in saving only to be taken aback that its $800.00 left. We talked and at the same time as i theory I had $6000.00, only to be suprised its became below $600.00. I closed the account. yet nonetheless that became no longer adequate. i purchased foodstuff at living house to very last us a month, she would supply it out to her kin and withing week, i finished up doing grocery. The better I complained, the better she took revenge in a unmarried way or yet another and keep on threatening me to divorce. guy I gave it up and instructed her its became O V E R. She began turning the table round asking for forgiveness, H E L L no and that i meant it. Now I do what i opt for understanding that she is my ex besides the actual shown reality that still she is staying with me claiming she has no the position to bypass. often times you could make difficult selection and follow them
2016-11-26 19:20:20 · answer #6 · answered by latia 4 · 0⤊ 0⤋
It happens to everyone. This is why it's a good idea to keep a little in reserve.
2006-10-05 08:19:13 · answer #7 · answered by cawillms 3 · 0⤊ 0⤋
Happens all the time. My car died last week. It needed a new battery.
2006-10-05 19:44:55 · answer #8 · answered by Steve R 6 · 0⤊ 0⤋
Yes I"m with you. I get so mad too. I guess that's the way of life. I hope it gets better for us both! May the money fairy hit us up side the head!!
2006-10-05 08:09:22 · answer #9 · answered by aimstir31 5 · 1⤊ 1⤋
i think it happens to everybody well at least to me anyway.
2006-10-05 08:09:53 · answer #10 · answered by Anonymous · 1⤊ 1⤋