i am working in googd comapny.entire month i am doing expenceses. with out thnik. some time i feel its not nessesary, still i go for that. when i get my salary i always try to save some thing.mean while some expence will come in my life. please suggest me how i can make my budget for entire month. especially i would like to tell you that i have two credit cards, i hope this is reson...
135896
Saving money is hard to do, but it can be done. Make you a budget with all your monthly expenses on it and than add a small amount for something extra that might come up that week or month which ever budget you are going to go by. After you have made it stick to it. It really is something you have to make up your mind to. Say you make a 500.00 weekly and your bills that week come to 398.00, what you would want to do after all the total is paid out is put at least 50.00 of that into saving or some other savings and don't touch it. Good luck...K
603363
First thing u need to do is to add up all your bills in a monthly category with the amount due and the time they are do. Average out how much you get paid and when u get paid. Example\nRent $400.00 Due 1st of month, Electric/Gas $150.00 Due 3rd of month so on so forth. Get paid $450.00 Weekly making in month $1800.00. After you get all your bills down (include a average for food, gas, cig. money if u smoke, etc.) subtract the difference and see what u have remaining then use just a small portion or what ever u want to have for enjoyment (movies, dinners, etc.) and put the remaining up in a savings or whatever. Hope this helps. Just stay to the budget you set.
384358
Well the first thing you need to do is figure out a budget for your income and expenses.  Set a reasonable goal in mind for saving and start there.  You will need to adjust things as often as the income or expenses change.  Good luck.
174990
device a budget for yourself and make it something you can stick to.  make a commitment to save at least 10-15% of you paycheck each pay period and make sure you do it.  if you can manage to stick to that it'll get easier to not spend all of your money unwisely.
13820
OK first of all, calm down.  It's sad, but many Americans are in the same position as you are.  \n\nNow, one thing you need to learn is that you never, ever take a cash advance!  The interest is way, way too high!  I dont know all of your expenses, so it's a little hard to answer your question.  You need to put yourself on a budget.  No extravagent items - just the necessities.  Yea, maybe it isn't all that much fun but do you want to get out of debt?  \n\nYou mentioned that you know how to save, so I'm wondering if you have any money saved now.  If you do, put it toward the payment with the highest interest (probably one of your cash advances).  Do some investigating with your two credit card companies.  If you haven't been late on making payments, call them and simply ask if they will give you a lower interest rate (this does actually work - besides you have nothing to lose by trying - you can only come out better).  Also ask about balance transfers.  They may be able to give you a low rate (be sure to ask about & factor in the "transfer fees" - sometimes they will charge a %age of the amount you are transferring).  Basically, you want to try consolidating as much of this as possible and getting the lowest rates you can.  I'm not sure, but you may be able to get your cash advances transferred - be sure to ask lots of questions on this first though - you need to know how much interest you will be paying!  \n\nIf this is a possibility, ask your parents for some help.  I don't know what kind of situation or relationship you have, but I'm sure they don't want you to suffer.  I would have to think that if you approach them with a plan they would be willing to help.  Ask them to pay off something and come to them with a plan to show how you will repay them.  maybe they wouldn't even want repaid, but you need to bring it to the table and fully intend to pay them!  \n\nAnother alternative may be to go to a bank (witha co-signer) and get a loan to consolidate everything.\n\nOne final alternative, check the internet to find a credit card that offers zero percent for the first 6, 12, 18 months, whatever.  open that and transfer as much as you can.  then cut up the other cards.  \n\nBasically, make a budget & stick to it.  I can help you if you need it.  You have $1800 coming in each month, now list what you have going out.  \n\nGood luck, email me if you need help
672648
pay month to month\nthe finance charge is already figured into your monthly payments...it would be silly to pay it all off with savings
357896
Until very recently I worked 50-60 hours/week at what was considered a decent hourly rate, yet barely managed to get all of my monthly bills paid.  Let me assure you I am not one of those people who buys the latest anything.  I don't eat out, get my hair/nails done, have expensive hobbies or vices.  It was the mortgage, utility bills (no cell phone), car insurance, health insurance, etc.  The only time my credit cards came out was for emergencies (car repairs, animal to the vet, etc.)  There was just simply nothing left at the end of the month to save.  I was literally one paycheck away from going under.  Finally, I couldn't take the stress anymore.  I sold my house for more than twice what I owed on it and moved to another state where things are not as expensive.  Paid cash for a house.  Paid off my credit cards and burned them in the fireplace.  Started my own business.  I am now, for the first time in my life at age 40, in a position to start saving.  If I had stayed in my old situation the rising cost of fuel and groceries alone would have buried me by now.
472758
why don't you share an apartment in the beginning[share the costs]get a job first!!!a credit card can get you into debt!!you have to pay monthly payments and a credit card only gives you so much money!!
266330
Could you provide a little more detail please? The approximate amount that you are short by?\n\n\n\nOne good way to start is to start saving. That sounds very obvious, but please hold on. In the US there is not much emphasis placed on saving, no one teaches you how to save. Small things go a long way, for example a coffee everyday costs you $100 a month depending on where you live: so dropping that habit saves $100! And its good for your health and heart. Smoking is another example, but unfortunately its harder to let go. \n\nSaving on fuel: try using the bus for medium distance commutes. Its not bad, trust me! I take the bus to work everyday. I get my commute done in $40 per month.\n\nYou pitched in to help your family, so its time for them to help you back. Don't hesitate to ask them to babysit your kid once in a while. That I believe saves a lot. If they don't, or if you think they are neglecting your kid, its time to break that parasitic relationship.\n\nTry looking for a job that permit you to work from home, so that you don't need a babysitter. Anything that involves typing for example. But beware of internet job sites, a majority of them are hoaxes. For example, the secret-shopping thing is a hoax 99% of the time. If an offer sounds too good to be true, it is probably not true. \n\nIf you have a kid old enough to do math, it is good idea for you and him/her to let him/her calculate your credit vs. debit everyday. Initially it may be cumbersome and more tiring than doing the darn thing yourself, but it pays off in the long run. Maybe you can ask him/her to sit down while you are cooking, and you recall today's expenses and earnings. He can enter them in two columns, add entries in each column and subtract to give nett daily savings. My mom did that to me :-)\n\nhttp://answers.yahoo.com/question/;_ylt=AtScV0GM2DTZVRGW1tmxxuYezKIX?qid=1006050319925\nlooks to be a professional answer.
511395
you are working full time you should be getting paid more than 400 per month.  \n\nman, i work only part time, 4 hours a day, 7 days a week. and i make gross: $1456 per month.\n\n.....................................\n\nbefore this job. i worked at a movie theater. i was paid $8 per hour. i only worked 4 days a week. my paycheck bi-weekly was about $495. and that was only part time. so that's net: $990 per month!\n\nyou should be getting paid more!
642020
enough money.  I am always strapped for cash,  I want to be able to get grocries and pay bills each month and maybe have a little left over for savings.  I cant even come close to doing that now.
606381
if you can afford it i would pay 2 car notes a month or send extra money on each bill everymonth. you can consoladate, or get a loan to pay off small bills. take the money you would spend on those small ones and put toward the large bills.
370301
Yeah, you have a lot of credit available to you.  If you were to max em all in one month you might find it hard to make all the payments.
410117
Start tracking EVERYTHING you spend now. And have your boyfriend do the same. THen compare notes and see where you would be saving money. It's hard to say that you should expect to spend XYZ amount per month on groceries. Depends on what you like to eat and whether you shop for top brands, whether you use coupons, and so on. You can get a newspaper or check online for housing costs in the area you plan to move so that will help you figure out rent costs. But by tracking your budgets now and then comparing you should get a good idea of what you both spend your money on, wher eyou can trim costs and save money and so on.
110422
As a nurse - you should be making good money. Maybe you need to re-evaluate how you spend money instead of making more. Learn to budget.
322108
First off, don't give up. Cut up the credit cards immediately. You do not need them to live. Use only cash.\n\nNext figure out your budget, how much is coming in vs how much is going out. Figure out where you can cut costs - are you eating out, going to the movies, going out to bars and niteclubs? Are you bringing your lunch from home or are you buying lunch at work? \n\nAre there things that you enjoy doing that are free when you aren't working? Do those things. Is there something that you enjoy doing that you can earn extra income? Do you work weekends? Maybe with another job you should work those weekends. Then work on your resume and look for a job that either pays more or has less hours. \n\nYou need to stay busy so that you do not get stressed out and depressed. Do NOT sleep over 7 hours each day, get plenty of fiber and veggies - they usually cost less than meat. If you do these things, your picture will look rosier by the end of the summer.
172046
Budgets have never worked for me, but I find if I put money in a hard-to-reach savings account the first day I get paid, I automatically spend less that way.\n\n...and then you can spend the rest as you like, it just has to get you to the end of the month.  DVD players aren't that expensive nowadays...I don't know much about facials, but as I said, once you have put money aside, the remaining funds just have to get you to your next paycheck...if you make a mistake, the savings account is still there in that hard-to-get-at-but-reachable location.