My wife and I have been having money trouble I think that I am making ok money but we keep getting behind on our bills. We cant get a mortgage because our credit isnt good enough. What are some ways to get back on track, we have gotten to the point that we would be loosing our car and the rent that we have. We really dont spend money on things that we dont need so what are the main reasons that people get in these circumstances
2007-07-23 15:17:09 · 9 answers · asked by Anonymous in Business & Finance ➔ Personal Finance
well making stupid decisions.
2007-07-23 15:29:20 · answer #1 · answered by Anonymous · 0⤊ 0⤋
One thing I've realised in my study of Accounting and also through personal situations, is that many times when a person states that they don't REALLY spend money on things that they don't really need... they are.
Perhaps you should look at your expenses and look at your income and see how much money is "missing" each month. This is the amount of money that is being spent on things that aren't really needed.
More times then not, it is atleast 5times (if not more) then you thought.
2007-07-23 22:34:58 · answer #2 · answered by prprincess 4 · 0⤊ 0⤋
People get into problems when what goes out is more than what comes in.
Sit down and add up what you both bring in.....then make a list of what goes out each month.
Most likely you spend more than you make. You'll either have to find a job where you make more money.....or cut back on your spending somehow.
2007-07-23 22:21:30 · answer #3 · answered by daljack -a girl 7 · 2⤊ 0⤋
There are places in the community that can help ie: budgeting advise. I am a community worker and I send many of my families to this service and they have all found it to be beneficial. They are usually hooked up with family support or you can access through WINZ. You do not need to be recieving the benefit to access this. Hope this helps :)
2007-07-23 22:23:25 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Well, the reason can be too much going out, or not enough coming in. Not trying to be a smart-a$$, but those are the only basic reasons.
Good luck in getting dug out.
2007-07-23 22:21:18 · answer #5 · answered by Judy 7 · 0⤊ 0⤋
Please visit Dave Ramsey's website or go buy (or check out) his book "The Total Maney Makeover". If you will read it and follow his advice, you will get through it.
He will teach you how to tackle your debt and bring up your income. He will stress that if you live like no one else today, you'll be able to live like no one else in retirement!
www.daveramsey.com
DON'T get "The Secret". You can't wish your way out of debt.
2007-07-23 22:21:28 · answer #6 · answered by Anonymous · 1⤊ 0⤋
Think positive. I reccomend reading "The Secret," Its changed my life. Don't be too skeptical it really can change your whole world
2007-07-23 22:20:51 · answer #7 · answered by Anonymous · 0⤊ 2⤋
Examine your priorities.
2007-07-24 00:23:28 · answer #8 · answered by ted j 7 · 0⤊ 0⤋
Go here,
> http://affiliatestag.blogspot.com
> http://paidforwritedown.blogspot.com
> http://professionallab.blogspot.com
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2007-07-25 05:33:03 · answer #9 · answered by Anonymous · 0⤊ 0⤋