Results 1 to 6 of 6
  1. #1
    Tricia
    Guest

    Default New here and need some help

    Hello I am new to the group. I am trying to start a budget. We are way

    behind in bills. We are living pay check to paycheck. There is never

    money for groceries. I have 4 payday loans that are killing me off.

    were do I start? I cant live like this anymore and I need lots of

    advice.

    Thanks

    Tricia








  2. #2
    CeCe Sweet
    Guest

    Default New here and need some help

    This is the best tool that I know of. I use this formula to work my budget out

    and it works for me.



    http://www.crown.org/Tools/Calculato...endingPlan.asp



    If you don't tithe, then put 1 dollar in the tithe area. Get taxes (grand

    total) from your paycheck.



    If you are really strapped several churches offer Crown Financial Counseling and

    budget help. Check that out.



    CeCe


















  3. #3
    Sally Vanwinkle
    Guest

    Default New here and need some help

    Couple of suggestions if suitable,babysit(post at local community centers,craigslist,on-line groups,word of mouth,etc.),sell things on different websites and groups(craigslist/freecycle),yard sale. I have heard of but that's about it, stay at home telemarketing jobs no experience necessary requires training, all done at home.Carpool,take bus,use more coupons anything that will help you save money, these are all just suggestions.

    Sally

    ----- Original Message ----
    From: Tricia <vollmertricia@yahoo.com>
    To:
    Budget101_@yahoogroups.com
    Sent: Thursday, June 19, 2008 12:54:50 PM
    Subject: Budget101.com : New here and need some help



    Hello I am new to the group. I am trying to start a budget. We are way
    behind in bills. We are living pay check to paycheck. There is never
    money for groceries. I have 4 payday loans that are killing me off.
    were do I start? I cant live like this anymore and I need lots of
    advice.
    Thanks
    Tricia






  4. #4
    Val Coulman
    Guest

    Default New here and need some help

    Hi, Tricia,

    When money&#39;s not meeting the demand, you only have two choices - make more or spend less. If there&#39;s work you can do that fits your circumstances, take on a few hours or start a home-based business with skills you have. I have worked as a seamstress, a writer, in childcare...all things that I could do at home and around my kids. Do you have things you use that might have some value to someone else? eBay, craigslist, or a yard sale can turn the storage dilemma into cash.


    For spending less:
    One of the first things that is helpful is to know where you&#39;re actually spending your money. So for a couple weeks, make a list of every cent that you spend and try to group it into categories. Things like rent, insurance, are non-negotiable but there are a surprising number of other places that a lot of money disappears - and they are usually the $5-10 area.


    Once you know where it&#39;s going, identify the areas that you can cut back. It&#39;s easy to know that you don&#39;t need 21 pairs of shoes or a weekly manicure. But other choices are a little more difficult. If push comes to shove, things like cable and coffee are luxuries. You can live without them until some of the bills are paid.


    And the most difficult one to do is STOP USING CREDIT CARDS! They are far too easy to pull out (trust me, I know) and they only make the problems worse.

    Ask around your community and see if anyone offers volunteer budget counseling or visit some of the sites suggested for useful charts, tips, etc. And don&#39;t give up. It is great that you are looking for help and want to turn things around. You really can get ahead of the bills.


    V.

    On Thu, Jun 19, 2008 at 10:54 AM, Tricia <vollmertricia@yahoo.com> wrote:

    Hello I am new to the group. I am trying to start a budget. We are way

    behind in bills. We are living pay check to paycheck. There is never

    money for groceries. I have 4 payday loans that are killing me off.

    were do I start? I cant live like this anymore and I need lots of

    advice.
    [/quote]
    --
    Val Coulman
    vcoulman@gmail.com



  5. #5
    katrina schumann
    Guest

    Default New here and need some help

    Are you making own laundry soaps, fabric softeners, using hydrogen peroxide for household cleaning, & vinegar, etc? DO NOT buy cleaners; look on line 4 them; simple, quick easy; can make own deoderant; 1/2 corn starch, 1/2 baking soda; use hydrogen peroxide 1st, when dry add other; don't spend on anything but food:& learn how to budget; get krustez pancake mix need only add water; make pancakes, get waffle iron; add oil & have waffles for dinner several times a week; don't use paper towels; waste of $; use washrags or towels; use only cold water to wash; make own potato chips, fries; NEVER eat out; make own hamburger patties, & freeze; get bread from thrift store, or make your own; make spagetti without using meat; grandkids love better that way so I stopped using; WATCH where you shop; BIG difference in stores; & not all bargains are
    bargains; have to learn HOW to KNOW if a "sale" is saving you $ or not; CHECK prices: no longer is it true a large can is cheaper than 3 smaller cans; they like to TRICK you; check out site here for recipes; & good luck to you!

    --- On Fri, 6/20/08, Sally Vanwinkle <jaggpegg@yahoo.com> wrote:

    From: Sally Vanwinkle <jaggpegg@yahoo.com>
    Subject: Re: Budget101.com : New here and need some help
    To: Budget101_@yahoogroups.com
    Date: Friday, June 20, 2008, 1:55 PM


    <DIV id="yiv38414956">





    Couple of suggestions if suitable,babysit( post at local community centers,craigslist, on-line groups,word of mouth,etc.), sell things on different websites and groups(craigslist/ freecycle) ,yard sale. I have heard of but that's about it, stay at home telemarketing jobs no experience necessary requires training, all done at home.Carpool, take bus,use more coupons anything that will help you save money, these are all just suggestions.

    Sally


    <DIV style="FONT-SIZE: 12pt;BORDER-LEFT: rgb(16,16,255) 2px solid;FONT-FAMILY: times new roman, new york, times, serif;">----- Original Message ----
    From: Tricia <vollmertricia@ yahoo.com>
    To: Budget101_@yahoogro ups.com
    Sent: Thursday, June 19, 2008 12:54:50 PM
    Subject: Budget101.com : New here and need some help





    Hello I am new to the group. I am trying to start a budget. We are way
    behind in bills. We are living pay check to paycheck. There is never
    money for groceries. I have 4 payday loans that are killing me off.
    were do I start? I cant live like this anymore and I need lots of
    advice.
    Thanks
    Tricia







  6. #6
    supermom Kathy Pogue
    Guest

    Default New here and need some help

    trim all rocery shopping use coupons cook from

    scratch beans and rice rice and beans as many

    meatless dinners as you can come up with

    pancakes for dinner Check local churches for

    food banks and some will help with electricity

    until you can get on your feet some even have

    clothing closets for the kids clothing sell

    anything that you dont need One summer my kids

    cleaned the stalls at the horse barns for a free

    day of picking berries and tomatoes you have to

    be creative can you bake cakes and sell them for

    working Moms one lady I used to work with stays

    home and she sells birthday cakes and cooks meals

    and sells them when people need a quick home

    cooked meal that is better than a bucket of

    chicken and less expensive. Find something you

    are good at and go for it.





    Kathy Pogue














 

 

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