How to pay bills when you don't have don't have enough money. Is there any help that you can get? Is there any place that will give you a personal loan if you have poor credit?
Thanks for your help in advance!
2007-11-12 03:19:03 · 10 answers · asked by Anonymous in Business & Finance ➔ Personal Finance
I have a full time job. The reason that I'm so far behind is the guy that I lived with used to pay all the bills and now I have to pay for everything. I have cut back everything. But it is still not enough I have picked up a part-time job I just don'tknow that to do!
2007-11-12 03:37:12 · update #1
im used to working on a really tight budget.. so what i do, is when i know i have bills coming up that are due, i call the company and set up a payment plan that will allow me to make smaller payments.. and even sometimes it will go past the due date.. as long as you call them and set it up, it will not affect your credit...
2007-11-12 03:28:04 · answer #1 · answered by cherrybomb 4 · 1⤊ 1⤋
I've been in a similar situation. What I did was this. First stop ordering and buying stuff now and I mean now. Those sexy shoes or great pair of pants that are calling your name will have to wait. What I say is "if it's yours, it will be there when you can afford it". Yes I know it's easier said than done but with determination you can do it.
Then you pay a little bit on one or two of those bills so the persons will know that you actually want to pay those bills. Things like utilities must be paid promptly even if it's half or three quarters of them even if you have to eat like a bird for a few days. You will feel less stressed at the end of the month.
And if you ever get a lump some of money from wherever don't pay off your bills with it. Just pay your installments like you would usually and still keep the spending at a minimum.
Hope this helps!
2007-11-12 03:36:57 · answer #2 · answered by Rhyder 2 · 0⤊ 0⤋
You need to start by re-examining your budget. Obviously you are living above your means. You can't get a loan, and if you could- you couldn't afford to pay it back. You need to reign in any extra spending, look at ways to cut expenses and ways to increase income.
Pick up another job, sell extra stuff you aren't using at a garage sale, use the cheapest car you can- or take pubic transportation if available. No more eating out. Keep lights turned off whenever you can and keep your air conditioner/heater on a higher/lower temperature than you have been. Reduce the services you use. Despite what people think, internet access isn't neccessary. Neither is a cell phone with alot of minutes or text messaging. Take a hard look at what you need versus what you can afford.
If you are looking for a loan to pay bills, you need serious financial help. Look more long term than just short and find ways to make quick cash, such as selling the extra TV or other unused items in your home.
2007-11-12 03:27:04 · answer #3 · answered by Meghan 7 · 2⤊ 0⤋
It is a lot easier to pay your bills when the Unemployment rate is under 7%. Job #1 for the Government is to move the Economy forward toward fuller employment. The best way to do that is to give the middle class money in the forms of unemployment extensions, food stamps and to improve the work force with better educational opportunities. Collecting taxes now on a part-time retail worker is not as economically powerful as collecting taxes in 4 years from a college graduate.
2016-05-29 08:25:20 · answer #4 · answered by cathy 3 · 0⤊ 0⤋
The best course of action is to increase your income or cut your spending. are you working full time? if so, are your expenses appropriate to your income or only covering basic needs? then consider a second job, many of us have them.
try to negotiate more time to pay your bills rather than borrowing more money, loans to people with poor credit are usually very very expensive.
2007-11-12 03:26:35 · answer #5 · answered by John M 7 · 1⤊ 0⤋
You need to work out all your bills and what you owe and see how much you can afford. Then see if you can get all your loans consolidated so its one person you have to pay back per month with what you could afford
2007-11-12 03:22:09 · answer #6 · answered by Anonymous · 1⤊ 0⤋
Check out labor or domestic gigs in your area on craigslist. Pick up some odd jobs and make more money. Borrowing will only put you further in the hole.
2007-11-12 03:26:46 · answer #7 · answered by Muley Bob 4 · 1⤊ 0⤋
cncfinancial.com
They loaned us 200 dollars for a small fee of 25 dollars so that we could pay our bills. No credit checks!
2007-11-12 03:23:06 · answer #8 · answered by Anonymous · 0⤊ 1⤋
Try going through Consumer Credit Couseling or something like that. They will work with you creditors and you so you can afford monthly payments.
2007-11-12 03:22:17 · answer #9 · answered by Anonymous · 1⤊ 0⤋
The worst mistake you can make is to borrow new money to pay off old debts. You will wind up further in debt.
2007-11-12 03:21:36 · answer #10 · answered by Anonymous · 1⤊ 0⤋