I am working as hard as i can, and as many hours as i can. It still doesn't seem like it's enough. If anyone knows of a good debt consolidation company, please let me know.
2007-10-05 04:34:35 · 4 answers · asked by Jess 3 in Business & Finance ➔ Personal Finance
Find out what you're spending! Do you know how much you need for groceries per month? Or gas?
Find paper, and write down what you spend for at least three months. Then average everthing out so you know how much you need for gas, groceries, entertainment, gifts, clothes, utilities, housing, ect, per month. Don't wait until the end of the week, or even the end of the day. When you get back in the car from a trip in a store, have the notebook handy and write it down.
Your spending has to balance with the money you earn. If you figure out how much you earn, and know how much you spend, then you can do something about the problem.
Do you earn 500. a week and spend 600. ? Oops. :)
2007-10-05 04:50:52 · answer #1 · answered by pansyblue 6 · 20⤊ 3⤋
What you need to do is start with a written budget. Nobody wants to do it but it does work.
cut back on the things you dont need.
Like eating out.
We really need more info.
how much do you make?
how much and what kinda of debt do you have?
I would stay away from debt consolidation companies. Most if not all are a scam. The charge fees for something you can and should do yourself. What they actually do is not pay your creditors for months and then try and settle for less.
Remember, if you go with one of these rip off companies and they dont pay your debt. You, and you alone are still responsible for the debt. Your creditors will sue you and not the company that you hired to settle it.
2007-10-05 06:21:02 · answer #2 · answered by heybulldog 5 · 10⤊ 2⤋
Hmmmm, that's too undesirable! i assume you could desire to seek for suggestion from to a expert debt settlement employer ASAP. There, they'd make it easier to and supply you some sturdy suggestion. you could attempt PayingPaul, they're debt alleviation specialists.
2016-12-17 17:58:24 · answer #3 · answered by keeven 4 · 0⤊ 0⤋
Sacrifices, be light on the gas pedal, only use AC if you have to, Ramen noodles and Macaroni dinners, and if you have to eat on the go... Mcdonalds.
2007-10-05 04:42:42 · answer #4 · answered by Anonymous · 1⤊ 9⤋