I get up everyday go to work, work hard and earn an average salary for where I live. I don't spend much but I'm always broke! Always living paycheck to paycheck and not enough to even save. Does anybody have any suggestions? I've read things on stocks, investments, etc but know nothing about it. I'm just really sick of being broke all the time. With my weird work hours, a second job is impossible. My immediate family is deceased so no help there. I wouldn't ask anyways. Are there any legitimate work at home jobs with great income? My house payments been late and I was threatened with foreclosure twice. I don't like living like this. There has to be another way. Any suggestions....will be appreciated.
2006-11-25 11:59:32 · 10 answers · asked by Gh Hiller 1 in Business & Finance ➔ Personal Finance
It's not a math problem, it's a "you spend more than you make" problem.
Need to get on a tight budget, pay off debt, and save money for emergencies.
You need to get very angry, and direct the passion to getting on a plan to pay off everyone.
I got very passionate after reading "the total money makeover" by Dave Ramsey
2006-11-25 13:16:03 · answer #1 · answered by happy_to_go 1 · 0⤊ 0⤋
It sounds like you are living outside of your means. Either you bought too much of a house or are wasting money on little things and don't realize it. Make a list of your income and all monthly bills to include groceries and gas. What is left over is your "savings". To make sure you save first, pay yourself first by investing in a IRA or company 401k plan from work. These things are taken out before taxes so you are taxed on less income and working towards some savings at the same time. If you are already doing this, get a second bank account and have a certain amount go to this account via direct deposit when you get paid. Don't touch this account as it is your emergency fund. Good Luck.
2006-11-25 12:10:22 · answer #2 · answered by Michelle 4 · 0⤊ 0⤋
Think I might be missing something here as, - although I have seen ZOZO on here and think I have even answered some of her questions, - I'm not sure why she is the one apparently being judged. This said - nobody has the right to judge anyone else on here full stop, - after all you can't judge someone just because they're opinion differs from your own =]
2016-05-23 02:39:27 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Yep. Here's the answer: EDUCATION. The right kind of education. Who are you learning from these days? If you're not getting ahead as fast as you want, check out the associations you have each day and change them. I threw out my television set twenty years ago and have not missed it. I began associating with people who were millionaires, by listening to their tapes and attending the seminars where they gave from-the-heart advice on how they did it. I began reading the books that they advised me to read. A twenty-dollar investment once a month for a book; what is that? Pretty good investment if it means I am on the road to financial independence. Want to join me? Click on the nickname and e-mail me; leave your phone number. One good book to start with: The Cashflow Quadrant, by Robert Kiyosaki. Try hard not to interpret advice in the light of your existing education. I, like most of us, was subjected to the holocaust of public school education, which was designed about 120 years ago on a Prussian model, to furnish fodder for the rank-and-file needs of bureaucracy and big corporations. I am at age 45 still overcoming the abuse above-referenced, which I suffered as a child, and climbing out of the resultant economic cesspool we know as "being broke."
2006-11-25 13:33:07 · answer #4 · answered by JackN 3 · 0⤊ 1⤋
Education.
2006-11-25 12:02:45 · answer #5 · answered by Anonymous · 0⤊ 0⤋
You need to live like your really poor. Biggest money in can come from a roommate or two. Yeh, it is a pain but endure it for a few years.
No credit balance on cards, small car, no eating out, no CDs, no $3.50 lattes, bag lunches, buy food in quantity and freeze stuff like from Costco.
2006-11-26 04:45:11 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Hi there,
You mentioned You are looking for a stay at home job that pays well? I might have the answer for you.
Refer to this link and take some time to watch the video presentation. http://www.freedom.ws/justiin/show_dvd
It teaches you a method of earning a full-time income for part-time work at home.
You can email me at lauchiamingjustin@yahoo.com.sg for any questions.
All the best!
2006-11-25 13:12:58 · answer #7 · answered by Justin L 1 · 0⤊ 1⤋
There are many people who would laugh at the possibility of altering their destinies. This is because it thinks that nobody gets more that exactly what is put in his fate.
2016-05-18 17:46:52 · answer #8 · answered by ann 2 · 0⤊ 0⤋
If we knew that, Baby, we wouldn't be horsing around on Yahoo! Answers. We'd be off having fun and spending our money that we had a lot of. Don't ask us!
2006-11-25 12:07:32 · answer #9 · answered by Dr. Obvious 4 · 1⤊ 1⤋
Live within your means, no credit cards, no big car payments, etc.
2006-11-25 12:08:12 · answer #10 · answered by Robert E 3 · 1⤊ 0⤋