Budget HELP and advice

Budget HELP and advice

Okay I need help.... First off, I am a spender in many ways. I have gotten our family in trouble. Let me back up by saying I don't shop much...but when I go to the store, I seem to always "have to have something" usually its

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  1. #1
    giney_smith
    Guest

    Default Budget HELP and advice

    Okay I need help....



    First off, I am a spender in many ways. I have gotten our family in

    trouble. Let me back up by saying I don't shop much...but when I go

    to the store, I seem to always "have to have something" usually its

    little stuff that adds up. The other is "convience" foods....



    We are going down hill fast, everything is late including our house

    by a few months.....



    I need to start selling/saving where do I begin???



    The selling department, I have a lot of stuff laying around here,

    that could be sold for some extra cash. I have tried garage sales,

    and they don't go over well. (we are in the middle of no where) plus

    time never permits. So does anyone know any good websites where to

    sell items, beside ebay? Sites that don't charge an arm and a leg,

    that go over well?



    Now I have realized I/we have money issues...where do I begin, how do


    I start getting out of debt? PLEASE any suggestions or advice would

    be greatly appriciated!!



    Thanks, Giney








  2. #2
    mswatson
    Guest

    Default Budget HELP and advice

    There are many, many tips in the book Live your Life for Half the Price by Mary Hunt. It is available in library's.

    giney_smith <GineySmith@hotmail.com> wrote: Okay I need help....

    First off, I am a spender in many ways. I have gotten our family in
    trouble. Let me back up by saying I don't shop much...but when I go
    to the store, I seem to always "have to have something" usually its
    little stuff that adds up. The other is "convience" foods....

    We are going down hill fast, everything is late including our
    house
    by a few months.....

    I need to start selling/saving where do I begin???

    The selling department, I have a lot of stuff laying around here,
    that could be sold for some extra cash. I have tried garage sales,
    and they don't go over well. (we are in the middle of no where) plus
    time never permits. So does anyone know any good websites where to
    sell items, beside ebay? Sites that don't charge an arm and a leg,
    that go over well?

    Now I have realized I/we have money issues...where do I begin, how do
    I start getting out of debt? PLEASE any suggestions or advice would
    be greatly appriciated!!

    Thanks, Giney




    &#32;_____________________________________________ _____





  3. #3
    Jennifer Smith
    Guest

    Default Budget HELP and advice


    <SPAN class="234131215-30102007">Dave Ramsey's Total Money Makeover is an excellent book for helping you to set up a plan to minimize your spending. I started his "plan" a few months ago and it has been an incredible help to me.Check your library- if they don't have it maybe they can get it from another library for you.
    <SPAN class="234131215-30102007">
    <SPAN class="234131215-30102007">Jennifer
    <SPAN class="234131215-30102007">
    <SPAN class="234131215-30102007">
    <SPAN class="234131215-30102007">

    <DIV class="OutlookMessageHeader" dir="ltr" align="left">-----Original Message-----
    From: Budget101_@yahoogroups.com [mailto:Budget101_@yahoogroups.com]On Behalf Of mswatson
    Sent: Tuesday, October 30, 2007 10:52 AM
    To: Budget101_@yahoogroups.com
    Subject: Re: Budget101.com : Budget HELP and advice






    There are many, many tips in the book Live your Life for Half the Price by Mary Hunt. It is available in library's.

    giney_smith <GineySmith@hotmail.com> wrote:


    Okay I need help....

    First off, I am a spender in many ways. I have gotten our family in
    trouble. Let me back up by saying I don't shop much...but when I go
    to the store, I seem to always "have to have something" usually its
    little stuff that adds up. The other is "convience" foods....

    We are going down hill fast, everything is late including our house
    by a few months.....

    I need to start selling/saving where do I begin???

    The selling department, I have a lot of stuff laying around here,
    that could be sold for some extra cash. I have tried garage sales,
    and they don't go over well. (we are in the middle of no where) plus
    time never permits. So does anyone know any good websites where to
    sell items, beside ebay? Sites that don't charge an arm and a leg,
    that go over well?

    Now I have realized I/we have money issues...where do I begin, how do
    I start getting out of debt? PLEASE any suggestions or advice would
    be greatly appriciated!!

    Thanks, Giney





    __________________________________________________


    http://mail.yahoo.com



  4. #4
    Wendy
    Guest

    Default Budget HELP and advice

    Ok, I have for one, been caught in this predicament many a times and

    thank god I have a loving husband who hasn't left me for my bad

    bugeting skills, although he's threatened many times.....



    He's the hoarder and I'm the spender, I just yesterday, spent the $50

    I didn't have to spend at the doctor for stuff we "had to have" but

    I'm sure that we could have gone a week or so without.



    We moved to a VERY rural area about 2 years ago. And even though you'd

    think that the cost of living here is lower since we don't have a

    mortgage or a rent payment, the pay here is so bad that you can make

    $8/hr and still qualify for food stamps. I swear, if it wasn't for

    that, we'd really be up the creek. And I worked at Walmart for a while

    and they say that it's the pays their workers well, HA!! I beg to

    differ!! I was going in the hole just working there and spending my

    money there. It gave a new meaning to being owned by the company store!!



    One good thing about being down south is that they have Discount

    Grocery Stores. It saves me almost 1/2 of my grocery bill. When we

    lived in the midwest, it was cheaper to go to Walmart to go grocery

    shopping, but now, where my normal grocery bill for 6 people would bee

    $120/wk, I can spend about $65 for the same amount of food. All it is

    is store brand overstock and it's not out of date, although you really

    have to look sometimes. And they have a Meat Cutter there on site!!

    not like the packaged meat from Austrailia like Walmart. Now don't get

    me wrong, I still shop at Walmart, (we don't have a target) but I am

    VERY selective on what I can get, And I also go to Sam's club once a

    month for all the big stuff and do my comparison shopping online.

    Since sam's club is in the bulk business, you have to go by unit.

    Like, toilet paper- I get the pom tp, a box of 45 rolls for $17 after

    taxes, that's 37 cents a roll compared to $7/12 rolls = 58 cents a

    roll. And its the same tp that they have a church and at most hospitals.



    My other suggestion, although I know that it's going to get some neg

    reviews, How many credit cards do you pay on??? Sue Orman (sp) has

    said it too, so I know I'm not wrong. Stop paying them for a while.

    They can't put you in jail. If you take the 3 months that you DON'T

    pay them, you might get caught up on the house and you don't want a

    forclosure. Your kids will resent you and your husband will dispise

    you. put your money on a priority. House, utilites, car, extra. if

    it's one thing my penny pinching husband has taught me--pay in cash or

    pay it off. we don't have credit cards, they are the 1 thing that has

    this country going down hill. We sold the land that we had and paid

    for the house we are in now. Rent and mortgage free. The cars are paid

    for, granted they are older than 10 years old (a 89 suburban that

    still gets 15 mpg and a 98 olds minivan that gets 25mpg), but no car

    payment and the upkeep on them is still minimal. And it's cheaper to

    have liability insurance on them, If I get hit it's not me who's going

    to the hospital, but the other guy. I upped the medical coverage on my

    auto insurance though just incase. Shop for cheaper insurance, call

    your agent. Do you drive less than 12000 miles per year? there is a

    discount for that. Tell her that you want her to save you money or

    you'll shop somewhere else. They will help!!



    I hope these suggestions can help a little. I have 6 people in my house and I

    have to make it work

    with less than $1000 a month (I'm not kidding) so if you want more

    suggestions, just email me.



    Wendy



    --- In Budget101_@yahoogroups.com, "giney_smith" <GineySmith@...> wrote:

    >

    > Okay I need help....

    >

    > First off, I am a spender in many ways. I have gotten our family in

    > trouble. Let me back up by saying I don't shop much...but when I go

    > to the store, I seem to always "have to have something" usually its

    > little stuff that adds up. The other is "convience" foods....

    >

    > We are going down hill fast, everything is late including our house

    > by a few months.....

    >

    > I need to start selling/saving where do I begin???

    >

    > The selling department, I have a lot of stuff laying around here,

    > that could be sold for some extra cash. I have tried garage sales,

    > and they don't go over well. (we are in the middle of no where) plus

    > time never permits. So does anyone know any good websites where to

    > sell items, beside ebay? Sites that don't charge an arm and a leg,

    > that go over well?

    >

    > Now I have realized I/we have money issues...where do I begin, how do

    > I start getting out of debt? PLEASE any suggestions or advice would

    > be greatly appriciated!!

    >

    > Thanks, Giney

    >










  5. #5
    noellenj
    Guest

    Default Budget HELP and advice

    First step is do you have a budget? Write everything down, what it

    is, the monthly payment, the principle balance, the due date, and

    what is past due. Next, write down the "incidental monies"-

    groceries, gas, medical co-pays, activities, etc. (anything that is

    not an actual bill).



    Totaling everything up, do you make enough to pay what goes out each

    month? If not, the first step is to either lower your expenses or

    raise your monthly income- selling off your stuff may help to dig out

    of a one-time debt, but if you don't find out how it happened in the

    first place, you'll be back in the same boat next month.



    My suggestion to get out of your jam now would be look at your

    location- do you have consigment stores/pawn shops nearby? Depending

    on what you have to get rid of, some places you can get the money

    that day:



    Clothes- some consignment stores make you wait 'til they actually

    sell, some will pay you that day (but less than what the others will;

    big one in my area is "Once Upon a Child"-Check their guidelines:

    some places require ironed and on hangers, some require off hangers

    but brought in containers, not in bags. Pull out everything that is

    stained, ripped, etc- not only will it not sell, but they won't look

    through the good stuff if they already have a bad impression of what

    you are offering. Start w/the ones that pay that day- whatever they

    don't take, go to the ones that pay when it sells. Whatever they

    don't take you can sell online (see below)



    Books/Movies/Music- there are several resale places that you can sell

    items to. For instance- where I live "Half-Price Books" will take

    all of these, plus magazines, video games, etc and it takes maybe

    30mins from the time you get there 'til you leave.



    Pawnshops- Depending on the shop they will take jewelry, electronics,

    tools, etc. Do not sell something you don't want to go w/o. If

    you "sell" it, but go in making payments to try to hold onto it,

    you'll lose money and it isn't worth it.



    Three websites that I use are "Freecycle", "Cheapcycle"

    and "Craigslist". You can sell/trade items on Cheapcycle and

    Craigslist and Freecycle is a great way to get rid of stuff that you

    no longer want/need and to be able to get stuff w/o having to buy.

    This comes in handy for kids things that you may be spending a lot of

    money on, but not able to get your money's worth out of it before

    they are past that stage.



    Depending how financially strapped you are there are resources

    available to get through rough times- some churches/organizations

    will help w/utilities and groceries for one month (so you can use all

    available money towards mortgage/rent). Call your landlord/mortgage

    company and see if they will work an arrangement w/you to be able to

    pay just the interest or a portion to get caught up and they can tack

    on the principle at the end of the loan or spread it out over several

    months to make it easier to get back on track. You can also try

    donating blood/plasma- a lot of places will pay you between $20-$50 a

    time to donate a couple of times a month, plus you are helping a

    worthwhile cause.



    Let me know if you have any questions- trust me, you aren't alone;

    I'm sure most of us have been there a time or two.



    Stac.





    --- In Budget101_@yahoogroups.com, "giney_smith" <GineySmith@...>

    wrote:

    >

    > Okay I need help....

    >

    > First off, I am a spender in many ways. I have gotten our family in

    > trouble. Let me back up by saying I don't shop much...but when I go

    > to the store, I seem to always "have to have something" usually its

    > little stuff that adds up. The other is "convience" foods....

    >

    > We are going down hill fast, everything is late including our house

    > by a few months.....

    >

    > I need to start selling/saving where do I begin???

    >

    > The selling department, I have a lot of stuff laying around here,

    > that could be sold for some extra cash. I have tried garage sales,

    > and they don't go over well. (we are in the middle of no where)

    plus

    > time never permits. So does anyone know any good websites where to

    > sell items, beside ebay? Sites that don't charge an arm and a leg,

    > that go over well?

    >

    > Now I have realized I/we have money issues...where do I begin, how

    do

    > I start getting out of debt? PLEASE any suggestions or advice would

    > be greatly appriciated!!

    >

    > Thanks, Giney

    >










  6. #6
    sbjmom2002
    Guest

    Default Budget HELP and advice

    I would start by sitting down and writing down everything that is

    owed. This will be hard and depressing. Just remember that this is

    the beginning of a whole new wonderful debt free life.



    Next plan your budget

    Cover most important first



    housing

    gas/electric

    water

    food

    car insurance

    car payment

    credit card



    Talk to your mortage company and let them know what is going on and

    that they are top on your list. Then make sure you pay it every

    month.



    See if your gas/electric company has even billing. This averages your

    yearly usage then spreads it out over the year evenly. This way you

    can plan on the same amount each month. But you have to make sure

    that you pay that amount every month because some places will make

    you go back to regular payment plan if you don't.



    Food is the one place you can really control what you spend. Along

    with planning your budget plan a menu. It might be good for you to

    plan for two weeks or even a month. (so you are not in the store as

    much spending what you don't have)

    Start your planning with what you already have at home and add what

    you need.



    This will all take time and energy. Just don't give up. Think of

    this as your job - to save your family as much money as possible.

    It can be done.



    Michele








  7. #7
    Herlean
    Guest

    Default Budget HELP and advice

    The very first thing I would suggest would be is to get out a pen, paper and all of the bills (statements, envelopes, etc.) and write down every dime that you have coming in and every thing that is owed. That way, you will know EXACTLY what the situation is. Then, prioritize. You say your home is behind a few months. Have you spoken to anyone about this so you don't lose the roof over your head? For shopping, make a list - every single time - before you leave the house. Before grocery shopping - eat! Do not shop hungry! If you are going to do the grocery shopping, plus clothes shopping during the same outing, pack a snack in a lunchbox (put one of those little freezer packs inside to keep you food chilled), so you are less tempted for a quick (EXPENSIVE) fast food stop. Put bottles of water, a thermos of Crystal Light (mix it up at home), granola bars (there
    are recipes on line to make your own), PB&J sandwiches, etc. in your car and go out WITH YOUR LIST to do your errands. If you get medications on a regular basis, have your doctor write your scripps for 90 day supply and get them through the mail order pharmacy. It saves a lot of money. You basically pay for one month, but get three months worth of meds. For grocery shopping - on top of making a list, plan your menu. Get a calendar with large boxes for the dates and plan out what you are making. Check your cabinets first and plan around what is already there. Share a warehouse club trip with a friend. (It is way too much food and/or wasteful for a small family). For clothes - trade with someone else, go to thrift stores, sew them, ask on Freecycle (and post things you don't need as well). Make a list - what are you looking
    for? Don't go and "wing it" - you will spend too much.
    Shop with cash. Figure out how much money you need, round up $20 and get just that much cash to go out shopping with. Do not use your debit card or credit card or even a check. When the clerk says, "That will be $179.98." You open your wallet and count out the green dollar bills and pay for it. You will instantly see what you have spent, and how much is left in there. If you only took out $200 for the whole trip, it is instantly apparent. When the dollar bills are gone - you go home. It has been proven that when you pay with any other method besides cash, you will spend more. The instant knowing of pulling dollar bills out of your wallet is not there. For selling, even with the fees, eBay has a very large audience and that is part of the draw. I have heard people use
    Craigslist with some success too. Herlean

    giney_smith <GineySmith@hotmail.com> wrote: Okay I need help....

    First off, I am a spender in many ways. I have gotten our family in
    trouble. Let me back up by saying I don't shop much...but when I go
    to the store, I seem to always "have to have something" usually its
    little stuff that adds up. The other is "convience" foods....

    We are going down hill fast, everything is late including our house
    by a few months.....

    I need to start selling/saving where do I begin???

    The selling department, I have a lot of stuff laying around here,
    that could be sold for some extra cash. I have tried garage sales,
    and they don't go over well. (we are in the middle of no where) plus
    time never permits. So does anyone know any
    good websites where to
    sell items, beside ebay? Sites that don't charge an arm and a leg,
    that go over well?

    Now I have realized I/we have money issues...where do I begin, how do
    I start getting out of debt? PLEASE any suggestions or advice would
    be greatly appriciated!!

    Thanks, Giney



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