i cant controll my expenses? any tips ?
148177
Develop a mind set that you have no money. No credit cards, only leave the bare minimum in your bank account and lock up your money (maybe in a bank account that is to difficult to withdraw from)\nI do this through ING direct, then i think i only have $20 bucks left for 3 days, then i don't spend anything. Works a treat.
535571
Hello,\nThis is not a direct answer to your immediate problem but I am writing to help you get out of this situation altogether.\n- Find expenses that you can eliminate (if you look really hard, i am sure you can eliminate at least 25%)\n- Change the way you think about money.  It's too long to explain here, but you might be trying to get your hands on the money first, and then trying to see what that money can do for you...Think about your needs. Your needs are not what you want.  They are what you need to survive.  You are fortunate to have a job. So make sure you are not always running after money.  I hope I make sense.\nGoogle financial planning sites that might help you take baby steps and help you have bigger ideas about your financial future.\nCheers.
749494
Spend $100 on something you want/need.\nSpend another $100 on something stupid (go crazy with this one...once in a lifetime thing)\n\nSave the rest.  Put it up somewhere like you didn't even have it until some time comes along when you really really need money.
1045985
Whatever is in your budget. Figure out how much you spend on food eating out. clothes you don't need but want. You can save money by figuring out who much you spend on this you really don't need, then the following month instead of spending it save it. Save it in a place you know you will not have easy access to it. That way you will be able to save even more. Good luck!
683610
You have to estimate all your monthly expenses, add them together, and subtract that from your total monthly income after taxes. You should remember some emergency funds and some "fun funds" as well as the basic necessities like food and rent, car insurance, etc.
1028643
Take out Overdraft protection on the account. It weill allow you to go over your limit but at a cost.
193873
Start by making a budget and stick to it you can not save money by accident you must do it on purpose. I think the best way to start is in a book written by Dave Ramsey called Financial Peace. He has written several books but that is the first and very good "More than enough" is his second book and very good also if you like the first. His books are available in any book store and many library's. Good luck to you.
1111900
YES....make a list of everything that you spend money on during a week or a month.......\nBE TRUTHFUL!!! list everything, and how much it costs......\nThen look at the list, and decide what things you can do without, you will easily find a few dollars here and there....\nA long time ago, i realized i was spending a lot of money (not to mention getting fat) going out to lunch at work...now i pack a lunch, which saves some $$$ and also is healthier.
1051842
First, when I compare my expenditures to those of my friends, the obvious savings is the fact I do not own a vehicle.  Even with monthly bus passes and the occasional taxi, I spend hundreds less monthly.  Second, I look over my budget almost weekly to see how things might work better.  Once, I worked in a set amount of retirement/savings into my budget so it became a "necessity" like any other bill.  Suddenly, my cable and cell phone stood out as nice-to-haves, not need-to-haves, so I cut them out entirely.  Third, though I'm always on top of my bills, I started using auto-pay functions to ensure I would never get behind.  Fourth, I started eating in and brown-bagging far more, which decimated the amount I was spending eating out.  My next step is to have my bank automatically send money monthly to my investor, like a bill, so it gets done despite how busy I get.
2713
this is not normal as far as i know. you need to build a budget that takes into account your lifestyle. it also has to take into account things like clothing and car maintenance down the road. if you have a compulsion to spend you may think about setting a limit on it such as under 2.00 so that you can do it more often but its just like any addiction cold turkey is best but its also the hardest. seek therapy if this is a constant thing and if you feel forced to do it.
323699
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.
945724
Hei! I so totally understand what you are going through!\n\nI just can't stop spending even though I kept telling myself to save up!\n\nBut then one fine day I decided to 'freeze' my money. Get advise and assistance from the bank. You get to decide how long you want to 'freeze' this money. In this way, you know you have the money but you can't touch them! Eventually, you will get used to saving up and once you see the fruit of your labour (the amount of money you have saved up), you might even be motivated to save some more.\n\nTo me, it feels good to know I have that much money and that I can spend them in the future. The more money I saved, the more I can spend in the future. It motivate me greatly!\n\n'Procrastination to spending' is the key answer! Try to delay spending!
163045
best way to settle them is to sit down and go over your monthly budget together, pay bills together.  do it the same time every month, have one household account that you both put in the amount you need to keep the account open and pay for all the household expenses.  Do it in equal amounts.  what's left at the end of the month from you individual paychecks is spending money and you can do with it what you want to.  ie save it, spend it, put it in your individual checking accounts or saving accounts.  (btw, household expenses includes food and clothing for the house ie yourselves and the kids.  gas for your cars needs to come out of your individual spending amounts.)  NOW KISS AND MAKE UP.
939765
I guess I might start by both of us setting down and take a look at what is going out in bill's 1st for the month.\n Then look at what is left over after bill's food gas for work --Then add up your pay coming into the home each week then add that up to see what you have now deducted the over all bill's from that ---That is what you have left to play with or save.Now this is where each of you need to see what each of you may spend with whats left over.And if there is not enough to shop that week or every 2 weeks just don't do it !\nIt takes a lot of disciplined as you know since you are the Strict Budget one.\nBut yes I would set down in a loving way and talk it out.\nYou sound like a sweet husband.trying to fix something before it gets out of hand.
169312
Advertise, try to find little local papers that are looking to fill pages. Try to keep your costs down.  Pass out your business card everywhere you go.  Hope this helps GOOD LUCK
1098836
work and dont spend.\nlive with a lot of freinds and split the bills.\nlive in a box. stay a way from things like phones and tv and the intenet. ac and heat. and ride your bike. go to the libary for fun.\nbe cheap. or get another job like mow grass deliver papers. if you know pepole who dont like to clean charge them.
134172
Write down a budget.  Figure out the things you can do without (can't afford) and do without them.  Does your cell phone give you more enjoyment than the stress the bill causes?  Unless you know, dollar by dollar, what your spending you money on, the opportunities to cut back may pass you by (do you eat out? A 99 cent burrito is cheaper than 6 bucks at McD's).  Empower yourself with information and have the discipline to make cuts where needed.  If all else fails, consider bankruptcy – alleviating the stress your suffering from is sufficient justification for such a decision.