im way way behind on my bills and i need to get caught up. i work 2 jobs and i dont know what to do . it seems like all i do is work and pay bills. its a horrible cicle. i need major money help!!
2007-03-05 09:55:20 · 3 answers · asked by Anonymous in Business & Finance ➔ Personal Finance
you have said too much in too little!
Sounds like you really need to take control.
1st, control your expanse, if you pay by credit card, think b4 you buy that can you be able to pay by next due date?
2nd, always pay full balance of credit card, CC companies loves to have you unpaid balance so you keep paying finance charge.
3rd, shop smart! for example, a pack of gum at gas station cost just 30 cents but same you can by at grocery stores for a buck (normal price is like 1.75 but it often comes on sale, keep your eyes open)
4th, make a list of all monthly dues and bills, especially credit cards .. and pay off the one where you r paying high interest. Look for good credit card offers in junk mails, apply for cards that offers balance transfer at no or low interest for a period of year or longer!
well, this should help
Good luck
2007-03-05 10:12:18 · answer #1 · answered by Ted 4 · 0⤊ 0⤋
I Was in a similar boat, but not as far behind as you. But what I did was went to my local Credit Union and got a loan large enough to pay off all my credit cards (in my case, $6000). The interest rate for the loan from the bank is 12% as opposed to the 23% charged by the credit cards, so I'm saving a lot of money every month on that. And to ensure I didn't fall into the same trap again, I have banned myself from using any credit card until my loan is paid off.
2007-03-05 18:00:26 · answer #2 · answered by Michael L 2 · 0⤊ 0⤋
im sorry about your money problems . dont get a loan because when your done paying your bills your gonna have to pat off that loan. pay your bills one at a time.
2007-03-05 18:01:41 · answer #3 · answered by lilly 2 · 0⤊ 0⤋