FC Community
Discussion Boards => Off-Topic => Topic started by: hensleyll on October 17, 2012, 01:09:22 pm
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i work 12 hour days some times 6 days a week ,not a penny in my pocket and 5 in the bank,sure wish my husband would go back to work
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I was curious about that myself so tried to keep a Journal of every single thing I buy and how much I spent every day
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Paying bills and buying things.
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you would all be surprised at how far the lil stuff adds up and then now with the prices of everything but our wages well there you have it
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That is true money kind of flys away i know in the past when i've had extra i bought things i wouldn't normaly buy.You have to watch everything closely.
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I know what you mean: "Life is really hard". All my money is spent just to survive!
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:( I know what you mean. It seems like everything keeps going up and as much as I figure out to save a dollar I still seem to have trouble making ends meet. It stinks to work as much as you are working, been there, done that. Now my husband and I are both on disability and his medicine co-pays alone are bleeding us dry. But I just keep plugging along trying to make some on the internet, shop as wisely as I can and pray the electricity and food bills don't keep going up. Best of luck to you. :wave:
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Lately i feel like its all going into my gas tank at $4.89 a gallon in san diego >:(
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Gas an paying bills
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That sucks. I would not work that many hours unless I absolutely had to. I'm divorced but luckily can work only 40 hrs a week.
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Gas is really hitting me hard. I'm going to start writing everything down for awhile too. I'm sure I'm really pissing away alot on small stuff.
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I couldn't understand where my money went, so started doing a list (like some previous members). It is amazing to see how the money trickles away in little bits - milk and a loaf of bread here, gas there, an ice cream somewhere else....before you know it, you're w-a-y down on the money. The list is tedious, but it has been an eye-opener for me!!
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Right now most of our money is going to medical bill. The doctors have been trying for almost 2 years to find out what wrong with me :(
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Oh Jowbow, I know how that medical stuff can wipe you out. I'm sorry they haven't found what the problem is.
I kept track of how much we were spending on everything a while back. So we have put all of our credit cards in the freezer (By the time you thaw out the ice tray, you often have decided it is not worth it) and are paying cash only. I have found if you find something you think you really need, sometimes if you wait 24 hours and think about it, it is NOT something you really need. The 24 hour cooling off/thinking about it period has saved me a lot of cash. Also if you are paying just cash or ATM it makes the money seem more real, and when it is gone it is gone!
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I divorced both of my ex husbands because I got tired of feeling like I had 5 jobs.. I would work 10 hours a day then come home and have to work doing all the chores because my ex felt he was too good to do them.
Alot of men have the idea that women should work outside of the home then of course do all the domestic work too.
Or half of it, even though most men make more than half the mess. lol
I feel it is easier living alone than being married..I dont need that job anymore. I can easily date or get a boyfriend for companionship then send him home..I dont have to live with one to feel fulfilled.
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sometimes that sounds nice but i do love my husband even though he can be a *bleep*
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well i have been here the last couple of days placing money in bank and like the credit card by time we have to go to atm or pay debit charges we have decided it not worth actually kept 7 in bank all week maybe this week it can be more
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Tell me about it! We are a five income family: My wife has been with the same cosporation for thirty three years and makes great money and also works part time making okay money but good benefits. I am making twice what I did a year ago on my day job, the same amount at my night job and decent money in side pursuits. We just refinanced our mortgage to save even more money and we are still struggling. Our kids are quite expensive with their sports and school activities but they don't consume very red cent that we make.
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It seems like the more you make the more you have to spend everything is so expensive it is even depressing to go to grocery store anymore
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Spending money for bills, stuff that needs replaced, and other things! :sad1:
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geez that sucks. yea I totally believe you no matter how much you make it's never enough.
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Well, with my husband going on complete disability because of a work accident and me getting laid off after 25 years (we were both making great money and had benefits), we have learned how little we really have to spend. I do miss going out to dinner several times a week, now I only go out to dinner when I have a mystery shop at a restaurant. That can fool you sometimes. I had a shop for a fine dining Italian food, I planned to use for my husband's birthday, turns out it was in a food court at the mall. I don't think of the food court as find dining, the food was good and we had a good laugh and good time anyway.
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Stupid bills take all your hard earned money.
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When I read this the first thing came to mind is bills food and kids
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I too sometimes feel overwhelmed just trying to keep up. Our wages over the past few years have actually decreased rather than increased though the cost of living continues to mount.
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Well I`m Really hurting now no work because of the hurricane nothing to fall back on ,get paid by the day! Pray For Me!
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Its crazy because if you don't properly budget your money then by the end of the week your clueless as to where all the money you worked so hard for went. Budgeting and cutting back on unnecessary purchases will save you alot of money at the end of the day. Its all about budgeting and staying disciplined. Good luck.
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I fee the same way as all of you guys!! I don't know where the money goes and I really have no clue where all the time goes!!!
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Bills and other essentials (i.e. gas, groceries) seem to take a huge dent in my paycheck. Unfortunately my poor annual increases are not compensating for the rise in inflation. I'm not sure how well I would fare if my family structure wasn't dual income. I sometimes envy certain past decades where food and housing was so much cheaper in comparison to people's earnings.
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Bills and other essentials (i.e. gas, groceries) seem to take a huge dent in my paycheck. Unfortunately my poor annual increases are not compensating for the rise in inflation. I'm not sure how well I would fare if my family structure wasn't dual income. I sometimes envy certain past decades where food and housing was so much cheaper in comparison to people's earnings.
Agreed. Bills and other bare essentials.
I recently landed another part time job, but had to lay out $50.00 to get the right color clothes. This was before I started working. My boss was surprised, when she tried to call my cell phone (my only telephone) and she couldn't get through. I told her well it was either buy the clothes or pay the cell phone bill. She thought since these were the "in thing" according to the latest fall fashion reports that everyone would have brought at least one set of clothes in these colors. (Apparently she changes the dress code yearly thinking she is doing everyone a favor.) Later she had this discussion in a staff meeting, I found it interesting that I wasn't the only one that made trade-offs to start working for her. She was just shocked. According to my co-workers, her attitude as changed considerably since the meeting.
When things are tight, you have to make sacrifices and trade-offs. Currently, I have no room for medical issues or clothes in my budget. Both are brought on "as need" basis, then only with a trade-off. One positive things about this, is that I have learned to budget very well. I have learned to do without. I do things to save on washing and the wear and tear of clothes. Let's just say I am glad I live alone. :bootyshake: :D
I wish you all the best.
Phx0808.
P.S. Before any one starts harping on the fact I have internet, I want to speak about that. I have it because I tutor via Skype (a free program) and use free resources from the internet to prepare lessons. I am not going to get rich doing this, but it helps with the overall income.
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I vWeow this month to manage my money better. It's true about the little things adding up! My boyfriend and I do not live extravagant lives by any means and it seems like it's getting harder and harder to save anything. The cost of groceries and gasoline seem to be taking more and more of the paychecks. We don't go out to eat hardly ever and never go on vacation. My car is 11 years old. Although my purse looks expensive, I got it at a rummage sale. Things have got to get better!
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Goodness that is awful! Make sure you take some "me time."
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I divorced both of my ex husbands because I got tired of feeling like I had 5 jobs.. I would work 10 hours a day then come home and have to work doing all the chores because my ex felt he was too good to do them.
Alot of men have the idea that women should work outside of the home then of course do all the domestic work too.
Or half of it, even though most men make more than half the mess. lol
I feel it is easier living alone than being married..I dont need that job anymore. I can easily date or get a boyfriend for companionship then send him home..I dont have to live with one to feel fulfilled.
Totally agree with you.
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you sound like myself and husband this week one bill paid that week the other,my cell is usually the easiest sacrifice
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Its because you're not paying yourself first!
You can probably think of thousands of things to spend that money on, and I bet you not one thing at that list included yourself. Why are you giving everyone else your money without even giving some to yourself? Don't you think you deserve at least 10% of your income?
Its very basic, but no one follows it. When you save money you don't save whats afterwords because it doesn't matter what you make at all, it will almost always be 0. There is a lot of variance in what people earn money-wise and yet almost every single one has no money left over even if they are only paying for "necessities". If they where really only paying for "necessities" wouldn't at least some of them have money left over?
Its because most of these necessities are not necessities. People can be surprised at how cheap they can live if they where to save first and then figure out how to survive on the rest. It doesn't matter what the economy is like, you'll find some way when you have too. Necessity is the mother of invention.
So the first law of becoming wealthy is to literally pay yourself first. If you don't have the money to buy something, you'll figure out a way if you have too. Using this method I literally save most of the money I earn from selling things online, all the money I earn from ptcs, and all the money I get from pretty much anywhere and save most of it to be reinvested into business (which is what you do with that saved money, you invest it. And then invest some more.) because I can live very cheaply.
There is a fine line between what people consider needs and what people consider wants. Avoid the trap, and give yourself some of what you earn. You deserve it.
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i have always been told the more you make the more you spend....i think thats true
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I agree with you Pg my hubby and I realized the more we made the more we spent so I cut back to 40 hours only per week and all the money i make online goes to a paypal acount (its like a savings account foe me) and his check pays the bills and most of mine goes to savings to pay the biger things like our property taxes and what not i do a huge amount of thift shopping you may be surprised what nice things you can find we eat out a lot less then we use too but we also know we are eating a bit healthier
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flackle i never looked at it that way before will definitely think this over,thanks for the advice
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I think the problem is gas and food. Both cost so much right now and you have no choice. I try really hard to by all my food with coupons but I still spend almost $100 each time at the store. We are a family of 5 so there is alway a lot to buy
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Its because you're not paying yourself first!
You can probably think of thousands of things to spend that money on, and I bet you not one thing at that list included yourself. Why are you giving everyone else your money without even giving some to yourself? Don't you think you deserve at least 10% of your income?
Its very basic, but no one follows it. When you save money you don't save whats afterwords because it doesn't matter what you make at all, it will almost always be 0. There is a lot of variance in what people earn money-wise and yet almost every single one has no money left over even if they are only paying for "necessities". If they where really only paying for "necessities" wouldn't at least some of them have money left over?
Its because most of these necessities are not necessities. People can be surprised at how cheap they can live if they where to save first and then figure out how to survive on the rest. It doesn't matter what the economy is like, you'll find some way when you have too. Necessity is the mother of invention.
So the first law of becoming wealthy is to literally pay yourself first. If you don't have the money to buy something, you'll figure out a way if you have too. Using this method I literally save most of the money I earn from selling things online, all the money I earn from ptcs, and all the money I get from pretty much anywhere and save most of it to be reinvested into business (which is what you do with that saved money, you invest it. And then invest some more.) because I can live very cheaply.
There is a fine line between what people consider needs and what people consider wants. Avoid the trap, and give yourself some of what you earn. You deserve it.
Good idea to pay yourself first! But there's a lot of people our there who can't do 10%. If anything, start small like 2% then slowly increase it to 10% or more. Most people won't miss it if they gradually increase it. :)
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flackle i never looked at it that way before will definitely think this over,thanks for the advice
I am surprised to hear you say this, most people don't listen to this sort of advice. If you are serious about saving money and being financially secure it will require patience and determination. You cannot dip into your savings for any reason. I would recommend having an emergency fund for things like disasters, disease, or income loss to be separate from your other funds. Have this money in cash and have enough to pay your expenses for at least 3-6 months if not more. I would then have another pool of money you can use to invest. Invest in some form of passive income like dividends or rental property if you don't have the time for business. But if you save enough and can limit your expenses then I would suggest trying out a business idea. Its easy to get started online since there are so many ways to sell your items for free or next to nothing (Amazon, eBay, Craigslist, Etsy, and hundreds of others.) and you don't even have to make a website.
Have about 6 months of your expenses saved first (Even if you have to get rid of something, like cable TV or stop making car payments and get a beater. Saving usually requires some form of sacrifice.) This is important because at this rate if something happens in your life that requires you to spend money (car accident, disease, weather, fire, burglary, death of a loved one) when you are most emotionally vulnerable then the last thing you want to have to worry about is money. Its easy to get trapped in debt this way. Life will always happen, so having an emergency fund is key.
Once you have an emergency fund going and you are paying into it little by little take a small percentage of your income and put it into a business fund. If you want to start on eBay try some household things you no longer use. You'll not only get seed money for your business, but you'll also learn what sells and what doesn't sell.
I'm glad you are taking an interest into your finances, because if you save now you will be ready for the rest of your life.
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Its because you're not paying yourself first!
You can probably think of thousands of things to spend that money on, and I bet you not one thing at that list included yourself. Why are you giving everyone else your money without even giving some to yourself? Don't you think you deserve at least 10% of your income?
Its very basic, but no one follows it. When you save money you don't save whats afterwords because it doesn't matter what you make at all, it will almost always be 0. There is a lot of variance in what people earn money-wise and yet almost every single one has no money left over even if they are only paying for "necessities". If they where really only paying for "necessities" wouldn't at least some of them have money left over?
Its because most of these necessities are not necessities. People can be surprised at how cheap they can live if they where to save first and then figure out how to survive on the rest. It doesn't matter what the economy is like, you'll find some way when you have too. Necessity is the mother of invention.
So the first law of becoming wealthy is to literally pay yourself first. If you don't have the money to buy something, you'll figure out a way if you have too. Using this method I literally save most of the money I earn from selling things online, all the money I earn from ptcs, and all the money I get from pretty much anywhere and save most of it to be reinvested into business (which is what you do with that saved money, you invest it. And then invest some more.) because I can live very cheaply.
There is a fine line between what people consider needs and what people consider wants. Avoid the trap, and give yourself some of what you earn. You deserve it.
Good idea to pay yourself first! But there's a lot of people our there who can't do 10%. If anything, start small like 2% then slowly increase it to 10% or more. Most people won't miss it if they gradually increase it. :)
There is a reason its 10%. In fact, 10% is bear minimum. In order to get 6 months of living expenses you have to save up 10% of your income for 5 years. If you save 10% you'll have a year's worth of your income in 10 years, so to have 6 months of it will take 5 years. The more you save to sooner you'll have that fund. If you can save by getting rid of something that's really not a necessity for most people (Cable, New car, Expensive house, Vacation, eating out, drinking, smoking, brand new clothes, smart phones, and hundreds of other things.) Not only will saving 10% force you to look at your needs but it will also force you to find other means to get your needs that are cheaper or you can even get for free.
If you loose some of your expenses it helps you save by not only giving your more money but you also don't need to save as much since an emergency fund is based off your expenses. I live without a lot of things most people have and I am perfectly happy.
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to my friend/roommate
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Out the window it seems and the $$$ I get from FusionCash is the ONLY play money that I have to buy whatever I want whenever I want. So, FusionCash, Rock ON!
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well craiglists was bust couldnt sell anything
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Geez that sucks, but yea I always wonder where money goes cause i get SSI and my checks finishes right away.
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If you have little to no money leftover after being paid, chances are you are spending it on a lot of things you don't need to.
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true but it figures couldnt sell encyclopedias in high school and couldnt sell avon in my twenties guess dont know how to embellish something
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I've noticed that too. I have been taking money out for specific expenses like $250 for groceries/household items for the month and $100 just for me spending money. It seems to help me think about whether I really need to buy something or if I am just buying more than needed. It also seems I am wasting less food. I also keep a running total with my husband so we can make sure we split expenses since we both have separate bank accounts.
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well craiglists was bust couldnt sell anything
It usually takes a while to sell something on craigslist. It seems a good portion of what I had listed sold months after I made the listing. The only way to make the money faster is to sell way below what others are selling. Did you make sure to see what others are selling so that your price matches or is a bit lower? Did you include pictures, a thorough description, and easy access to contact you via phone and email? Have you considered eBay for smaller items? How long did you even try craigslist before you gave up? The turnover is a lot faster.
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true but it figures couldnt sell encyclopedias in high school and couldnt sell avon in my twenties guess dont know how to embellish something
The reason you never sold anything is because the failure of these products has more to do with simple economics than does your ability to sell. Why would someone buy encyclopedias from you when they could have gotten a set from a used bookstore for possibly half of what you where selling? Why would the average person buy avon from you when they probably already buy drug store makeup that works just as well? Add on to the fact that so many people sold avon that the supply wasn't exactly limited in any sense and anyone who wanted avon could find it pretty much everywhere.
I would recommend looking into finding sources for products on your own instead of just one company handed them too you and tell you to go out and "find someone willing to actually pay 10 dollars for an item that would be difficult to sell for 5". Look for items that are more unique, that doesn't have a huge supply in your area. If you can find a source few people have, that just gives you a bigger advantage. Its easy to get into selling stuff when a company like avon just hands you the products to sell and gives you a bunch of motivational talk and success stories, but its hard to actually be successful in selling this way because a lot of other people was already doing it. Look for demand before you even look for something to buy. You can't sell sand at the beach.
Sourcing is just as, if not more important that actually selling an item. Its easy to sell if you find a good deal.
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I do this too. Once I saw how much I was spending on eating out I cut down tremendously and have been able to save money. It's all about properly categorizing needs and wants.
I was curious about that myself so tried to keep a Journal of every single thing I buy and how much I spent every day
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I have noticed that most of my money goes for food and gas and medical bills. Being a single mom of 2 boys is hard when they eat so much. This year I have vowed to keep more money in the bank than goes out by couponing, cooking more and buying less. I'm tired of being broke all the time. :-[
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It goes toward just living. If you have a job (gas), you have to eat (food), you need clothes to wear to work not only clothes you need shoes, underwear. You need somewhere to lay your head (house or just rent) not to mention (heat, water, etc.) I can go on and on.... so just living.
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THIN AIR... that's the only answer I have, also to food, gas, electricity, housing, and all those pesky necessary things of life...
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I live on my SSDI check and it no sooner gets here and it's gone with paying the bills and buying necessities, can't even pay the medical bills I have left over after medicare pays the 80% it's a crying shame but it is what it is just praying it will get better even when I worked I had no extra money, never was one that could save never had enough. :crybaby2:
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It goes toward just living. If you have a job (gas), you have to eat (food), you need clothes to wear to work not only clothes you need shoes, underwear. You need somewhere to lay your head (house or just rent) not to mention (heat, water, etc.) I can go on and on.... so just living.
All of these things could easily be supplied by a part-time minimum wage job if:
You buy all your clothes from thrift stores. There's nothing wrong with buying used clothes as long as you wash them. A lot of the time when you buy clothes from store they can be returned which means they where already worn once. Also use thrift stores to buy anything you may need or enjoy using (like books).
You ride a bike to work (it helps if you live close)
You eat frugally (Beans, rice, and pasta go a long way and are cheap). Eat vegetables that are abundant and in season. Eat only small amounts of meat. Eat left overs and don't waste any food. Always buy on sale and use coupons only on things you are going to buy anyway. Do not eat out. If you don't want a lot of dishes, don't eat messy foods. If you have the space and a few tools, try starting a small garden.
Try these tips:
For shelter try sharing rent with others. Get a room mate. Not owning a house eliminates a ton of expenses (taxes, repairs and other maintenance like lawn care, and insurance).
Bills can be small if you're careful. Sharing rent can also mean sharing heat. Minimize the time you spend in the shower. Hang clothes when you can instead of using the dryer (which saves a lot of electricity). Sharing the internet with roommates can also mean splitting the internet bill. Use a prepaid phone and use minutes for stuff that's important (or get a headset and try skype, for a few bucks a month you can call anywhere in the US through your internet.)
Be careful with toiletries. Don't buy a lot of cleaning products you never use. For toilets and sinks, bleach and water in a spray bottle usually can do the trick. For tubs, take some used towels and lay them down in a water and bleach mixture you made in your tub. Be sure once you mix the allow it to air out before re-entering to avoid fumes. Use paper towels for wiping your mouth and use regular used dishtowels to wipe off messes.
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I've noticed that too. I have been taking money out for specific expenses like $250 for groceries/household items for the month and $100 just for me spending money. It seems to help me think about whether I really need to buy something or if I am just buying more than needed. It also seems I am wasting less food. I also keep a running total with my husband so we can make sure we split expenses since we both have separate bank accounts.
Are you also making sure you're paying yourself? There no such thing as spending money on yourself since you're actually just giving that money to other people. If you wanna spend money on yourself, actually do it by saving if for yourself.
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THIN AIR... that's the only answer I have, also to food, gas, electricity, housing, and all those pesky necessary things of life...
You will always find something to spend money on, even if you have any left other. Save money first, then figure out how to live on the rest. Someone out there is probably living on less than you do and they're still alive. So I know it wont kill you.
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All forms of money eventually go back to where they come from Eventually the paper currency of the US will return to thin air :wave:
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I know I see plenty of people kinda waste money on random stuff that they don't need. One of my aunts decided to pay her cable bill instead of her electricity cause she didn't want to miss her shows. Apparently she didn't get the fact that she wouldn't have the power to run her TV.
I started looking at my bank account one day to see where all my money was going. It was strange to see that I went out to dinner with a friend once a week and then we'd go get the groceries we needed. The $20 for food and the $100 for shopping really started adding up. The surprising thing is I would spend less when I didn't go shopping with her.
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gas gas gas
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After taxes, paying for medical, dental, insurance, phone-internet-tv, rent, groceries, electric, travel to work expense, credit cards - not only can I not save but I always seem to be in a hole. :BangHead:
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We're doing serious budgeting this year and I think we literally EAT our money! We spend so much on food! Watch that!!
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Sounds like you have two people creating expenses and only one person helping to pay for them! I think it is quite apparent where your money is going and it appears as if you know what needs to happen in order to make it stop. I know where my money goes and I have a spouse who makes as much as I do if not more...but at least we are both contributing to the expense. Our kids are needing for nothing and we are blessed to have them. I wish that I could give them more! I also realize the importance of being at most of their athletic/musical/academic events so I am somewhat limited on time to devote to making more money. I am constantly trying to think of new ways to bring more cash into the homestead.
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For me it's paying bills and buying books.
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Money seems to have a mind of it's own, if you don't train it, it will train you. It is so hard to stretch a dollar these days.
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I agree that it is hard to stretch a dollar sometimes. Other times, a person can catch a sale or buy some gas at a cheaper price. It is not certain that a person can find a sale or buy some gas at a lower price all the time. When I can't find a sale or buy gas at a cheaper price, I go to my local 99c store. Finding some good buys a the 99c store helps me stretch a dollar, when I can't find a sale. My local 99c store also sells food items. This also helps me stretch my money a little more.
When you go to a 99c store make sure that you buy items that you know you will use, buy in the largest size possible, and check expiration dates.
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i work 12 hour days some times 6 days a week ,not a penny in my pocket and 5 in the bank,sure wish my husband would go back to work
Sounds like a serious imbalance; you're working too often and he's not working at all. It's possible that HIS life style is draining you emotionally and financially. If it was me....
I'd seriously consider making a change so you can focus on your priorities.
My priority is to be selective about how I spend so I sold my car. Fortunately, I live in a nice little town where I can walk and use public transportation. That way I'm not sinking a lot of money in the gas tank. I understand that living without a vehicle isn't a realistic option for everyone; however...
it was and is a good choice for me. Good luck with whatever you decide and happy new year! :heart:
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:wave: you just have to learn how to budget and save. if it is not absolutely needed i do not buy it. i save money every month and i only earn $12.00 an hour so it can be done if you are truly determined gppd luck and have a great day!!!
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Money seems like water: it flows in and out. It does seem that it flows out more than in.
I did keep a spending journal to encourage myself to save whatever was left, even a couple dollars.
Credit card use leaves you vulnerable to fraud,nowadays than ever before.
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I sure hope you have more mone than that -- that would be really broke.
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Budgetting is essential ... :thumbsup: :thumbsup:
(http://www.fusioncash.net/sig.php/dab416d73759x2.png) (http://www.fusioncash.net/?ref=didiinvent)
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well do do most of these tips already can usually find more to do,thank you
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It goes back to the goverment
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Oh Jowbow, I know how that medical stuff can wipe you out. I'm sorry they haven't found what the problem is.
I kept track of how much we were spending on everything a while back. So we have put all of our credit cards in the freezer (By the time you thaw out the ice tray, you often have decided it is not worth it) and are paying cash only. I have found if you find something you think you really need, sometimes if you wait 24 hours and think about it, it is NOT something you really need. The 24 hour cooling off/thinking about it period has saved me a lot of cash. Also if you are paying just cash or ATM it makes the money seem more real, and when it is gone it is gone!
Good philosophy - often times waiting is a good idea. I'm very "stingy" and only try to buy what I need, with an occasional splurge. I don't mind spending a little extra on food sometimes, since that's more of a need, but often times other things are more a want than a need.
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I wish my dad would keep better track of money. Sure i still live at home and he pays for all the bills. But he doesn't always think before he acts.
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Who knows..
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We are starting to have to really pinch pennys now compared to a couple of years ago. And now with the paycheck taxes going up 2% it will get tighter. If the working person is going to be taxed more i believe he welfare checks should be cut also. After all they are not contrubiting anything. Although i draw social security it isn't much and the 15 years i lived and worked beside my ex didn't count for you know what. And we paid through the nose. women are always on the bottom of the list.
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It bites! Seems like you can't win money wise. My money runs out before the month no matter how well I try to budget or no matter how well I do at trying to save money at the grocery or whatever. I'm sure things will be better with you when your husband can go back to work, both my sons are out of work so we have to all share a very small income. Best of luck to you!
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Don't wait until its too late. Saving money when you have the income available is a lot easier then when something happens in your life that can cause you to loose it all. Don't wait until you loose your job, or an investment tanks, or a medical emergency emerges and you're forced to use credit and have to pay huge medical bills. Start saving now, when things are looking up because sooner or later you'll need that money when things turn around and stop going your way.
It requires discipline, but once you get into the routine of saving money you'll start to enjoy the fact that you have money saved for when things go bad. It's actually a rather calming feeling. It's difficult to save when all around you there are people telling you that you have to buy this and that. Set a clear goal and stick to it. Not only would it improve your financial security, it can prove to yourself that you have the ability to achieve goals you set out to do
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I Believe That They Got Most Of My Paycheck
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Bills, bills, bills and more bills. >:(
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I had to totally get used to living on a lot less. I used to have the best of everything. My jobs generally paid well. Then my health deteriorated. My last job did not have health insurance and the entire thing wiped me out. I like the suggestion about waiting 24 hours before making a purchase. A lot of times, it isn't something you really need. I use coupons. We do not have cable--just internet, so I have learned to watch sports and other programs I like on free websites. I shop at three different stores to get the best prices on what we need. It is actually becoming interesting to see how much can be saved and what we actually need versus what we don't.
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I had to totally get used to living on a lot less. I used to have the best of everything. My jobs generally paid well. Then my health deteriorated. My last job did not have health insurance and the entire thing wiped me out. I like the suggestion about waiting 24 hours before making a purchase. A lot of times, it isn't something you really need. I use coupons. We do not have cable--just internet, so I have learned to watch sports and other programs I like on free websites. I shop at three different stores to get the best prices on what we need. It is actually becoming interesting to see how much can be saved and what we actually need versus what we don't.
Whenever I buy something (other than food) its usually from a thrift store, flea market, or yard/garage sale. Most of the time I can pickup something that could sell on eBay, amazon, or craigslist for more. I literally get paid to buy things.
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Some time I wonder to because it doesn't go far anymore at least now. We have been living off his SSI since 2008 for three of us and we did better than, than now so I know what you mean.
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yes my mom and dad do now ,they took huge cut in income
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I would say, straight down the drain. :BangHead:
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It is not so important how much money you make, but how it is spent. Keep a diary of the money coming in and how it is spent. You will figure out quickly if you can save money being spent unwisely.
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WISH I KNEW BUT SEEM'S LIKE I NEVER HAVE ANY!
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wouldnt be so bad if you didnt have to work so hard to get it