how can one earn more money and spend less?

Answer 1

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Answer 2

Get a second job, maybe one you can do from home or in the evening. One motto is "extend, substitute, make do, do without!". Pay your salary into your bank account, carry no more money than what you need(make sandwiches & fruit your lunch), pay off your credit card on time, one year only get your taxes done by a professional and LEARN, go to a library and find books on household tips, including how to make cleaning products from ammonia, borax, washing soda, vinegar and salt, make a game of saving, invest in mostly blue chip stocks, never the futures market. If you drink alcohol, brew or distill your own. Eat generic oatmeal for breakfast. Try to organise bulk buying of food with your neighbours(but make sure they do their share), cook your own meals( a stainless steel pressure cooker is good for cheaper cuts of meat, and making soup), bake your own bread. Car pool, or use public transport or a small car(I ride a 196cc Honda - $50 for the whole of last year! - and I'm faster than anything but supercars at the lights). Don't use hard acceleration or braking and check the pressure once a month. The list is huge!

Answer 3

Budget, budget, and budget... that's what helps you get control of your money.

I too, and a big fan of Dave Ramsey and The Total Money Makeover. For the first time in my life, I know exactly where my money is going. Spend every dollar on paper before you receive it, including savings and investments. It's amazing the power you feel once you have this knowledge.

Answer 4

Budget, and get on on a plan. We use Dave Ramsey's plan (www.daveramsey.com)

He has a plan and you start his plan based on what baby step you are on. If you don't have $1000 in savings for emergencies, you start at baby step 1. If you have no debt (besides the house) you start on baby step 3, etc. He explains all the steps and how to do a budget and how to keep track in The Total Money Makeover and Financial Peace University (read one of them or both).

And congratulations on wanting to act your wage!

Answer 5

get another job that pays better and develop a budget (and stick to it)