i'm starting with spliting the bills, any other suggestions?
198929
don't request anything expensive.  go to cheap places.
303285
I have had the same situation. BUDGET BUDGET BUDGET.. You will need to bring in more money from somewhere, part time job. cutting back..something.The best way to watch your money is to write down every penney you spend in a two week period, then go back and eliminate all unnessary expenditures. This method really shows how your money was spent Concentrate on paying off one debt at a time.. put as much money on one bill as you can and make minumum payments to the others until its there turn to be paid off. But remember to try and save a little all along..Even $5.00 bucks a week can start you off.
659550
You have to first estimate how much all of that is going to cost. \n\nThen you break up that cost per month. (eg., rent/month = ?, car payment/month = ?)\n\nThen you try to get a job that covers all your expenses.\nYou will probably need to make around 2000/month.\n\nAt your age, I would suggest college or a roommate to split the cost of rent.
577038
Very interesting!  Start taking the dimes.  Then give them to a charity.  Maybe one day you'll have the same thing happen with 10 dollar bills.
217089
Everyone has to be part of the solution - kids included.\nPost your budget on the fridge to remind everyone they have a stake in this. Pain that it is, writing down EVERYTHING for a couple of months will cure the problem.\n\nFirst, add up all your income per pay period - month, week, biweekly, whatever.\n\nThen add up all your "fixed" expenses to match the pay period (multiply rent x 12 then divide by 52 to get weekly, etc.)(estimate using highest electricity bill, telephone bill, etc.) and ADD A NEW ITEM CALLED "BANK" THAT IS 10% OF YOUR INCOME.\n\nSubtract the expenses from your income. Now you know what you have to spend on groceries, gas, clothes, etc. etc.\n\nWhen your paycheck comes in, put it directly into your bank, and put 10% directly into your savings account - this matches your budget. Some banks will automatically do this for you if you ask them to.\n\nWhenever anyone spends anything, have them subtract it from the remaining money and WRITE DOWN WHAT IT IS FOR. Everyone can see where the $$ are going, and you'll see exactly what is happening and so will everyone else. Having the whole family seeing and supporting a reasonable budget is the best way to go - and a great lesson for your children.
340219
considering you are not at home asking this question and at work...take this time to look for part time jobs in the evening.  If you are cleaning an apartment every few weeks, why not try to do your own little side gig and do more houses or apartments.  If you have family that is willing to help watch the children while you earn extra $$ that is your answer.  If you are unable to pay your bills off you can consider filing for bankruptcy - it screws your credit for 7 years, but if you're not getting anywhere on the bills, then it's an option.  My mom raised 3 children, went without eating and things for herself so that we could have clothes and such.  We shopped at good will and i didn't know any better, i thought it was the greatest thing goin.  As much hoopla as people put on presents, it's about being with your family and making the most of the time together.  I would consider asking family to help watch the kids while you work a second part time job to earn more money, when you work hard for your family and prove that, people are more willing to help out.  Good luck and god bless!
454780
The best tip is to stop spending. Once you get on top of your debt you will be much better off.
45808
If it is not due yet, it should go under "Accounts Payable", even though it IS an expense. Otherwise you put it aside until you finally pay the bill, THEN you can journalize it as an expense, debit expense, credit bank, in whatever month you pay the bill.
639007
Suck it up and pay them off.  You'll have to do without some luxuries for a little while but the only way to get around them is to pay them and not go back for another.
44082
1. Charge no more.\n2. Get on a tight budget--only necessities.\n3. Put every extra spare penny towards your highest interest debt.\n4. Unload your car or pay it off so that you can get cheaper car insurance.\n5. Get rid of things you don't need.  I got rid of my phone because I wasn't even making one call a month, and I don't want anybody bothering me at home.  I just tell them to email me.\n6. Stop going out to eat or ordering food out.  Stop buying frozen dinners.  Buy large sacks of leg quarters, potatoes, pasta, and other cheap but nutritious food and cook, freeze, etc., and you can save a lot on food to go towards the debt.\n7. Don't drive when you can walk or bicycle, and save gas money to put towards debt.\n8. Get rid of your cable TV, or reduce it to basic cable, and put that money towards debt.\n9. Adjust your thermostat so that air/heat comes on less often.  Turn off lights/TV, etc., when not in use.\n10. Stop drinking alcohol and soft drinks.  Drink water instead.  You will become healthier while saving money to put towards your debts.\n11. I bought clippers and learned to cut my own hair.\n\nAre you starting to get the idea yet?  Be thrifty and pour your money into paying down the most expensive debts.  You will be uncomfortable for a while, but boy, it feels good in the end when you don't owe anybody.
43925
I provided a link for the free credit report from the government. As for your medical bills. Call the doctors and explain to them your situtation. Some doctors are known to reduce their bill and sometime even write them off. If your bills are with a hospital, call them and try to work off a payment plan. The best way to do this is to sit down and write a budget for the month. Make sure you list your home, food, and utilities first. Next, car and gas payments. Then other bills, like daycare. Make sure you have all the money going towards something. Just be honest with them and tell them you want to do the right thing and pay them. They should be able to work something out with you.
158859
The way to avoid this is to set the rules first. Tell the person that you are willing to pay for gas, food, etc. and you only have enough money  to buy your clothes and the rest is for bills. Also, I would take out the money before hand for my clothes and for the favor and put it in separate wallets to appear like I don't have that much money.
585349
You want to investigate www.daveramsey.com and get Dave Ramsey's books from the library. Debt consolidation is NOT the answer. Not trying to be preachy here but the answer is the debt snowball and careful budgeting. I know it sounds insane but it works. Get his book from the library and give it a try.
137138
Have you consider taking some kind of public transit system that would reduce your stress and expenses.\nWhen doing budget you need to ask yourself if you really need this or want it.\nNeed is something you must have.  Want is something you can cut off.  For example do you need to have cable T.V. or should you spend time with the kids instead of watching T.V.
648889
Let's see, I have a wife and 2 kids......\n\nHow do you split $19 three ways?
316934
You should write out a budget. Budget for everything. Bills, car payments, entertainment etc. And try to save a little every paycheck.
586494
Time for getting past what caused the split and figure out how between the 2 of you to get the best value from the situation.\n\nFirst if you can, you need to lower your price.  \n\nNow use the kids ballpark divvy system.  Remember when you were a kid and had to share a candy bar with a friend.  One of you would break the candy bar in half and offer the choice to the other person as to which half they wanted.  Simple but fair and very effective.\n\nWhat I'm suggesting is that you agree between yourselves that one of you will make an offer to move into the house until it sells and makes some sort of payment as rent.  Now that might be the whole payment or a partial payment, either way it should be better off than each of you paying half of the payment on a vacant house.  So the agreement is made and the offer is made, now the other person (not making the offer) has the choice of either moving back in or letting the offeror move back in.\n\nIf moving back in isn't an option for one or both of you get creative and work out some other sort of arrangement.\n\nGood luck