How can i save $2000 when my parents charge me $500 per month rent out of my paycheck? 10 points!!!!?
359923
I would say at $500 a month you're getting off pretty cheap.  You don't say how old you are or if you work full time or go to school.  If you went out on your own you'd have to pay rent, utilities, food, etc.  My advice would be to find a higher paying job.
70541
Get a sheet of paper.  Wright down your income for the month.  Then make a list of all your expenses; light bill, car payment, cell phone, credit cards, beer etc...  Make sure you have more coming in then going out.  If you have creditors calling, answer, or call them.  Ask for a lower intrest rate tell them about the hard time your having and you want to set up a payment plan.  Don't be rude (you attact bees with honey, not vinager) but don't let them be rude to you.  If they are speak with someone else.  Getting back to the more coming in then going out.  You may have to make cut backs.  It's not fun.  Less nights out, hot dogs insted of just about any thing else. Make piorities.  The rent has has to be paid or your under the bridge.  If the Visa don't get paid on time you get another letter in the mail.  Set realalistic goals, write them down, put them on the fridge or some where you will see them often.  Then at the end of the month evaluate how you did and adjust as needed.  Best of luck!!
118797
Buy some furniture and pay it off on their 30/60/90 day no interst plan.\n Be sure to pay off the balance on the third payment.\n\nReally, you are young and have a lifetime to pay their pockets.  You won't have any problem getting a credit card. Ask me later how you can get out from under 20k debt.
298229
Frank!  Go away!\n\nI agree with the other people's advice...if all you owe is $2000 then it's worth trying to work it out with the credit card company.  Even if it involves making minimum payments.  That would work out to around $60-80 a month.  \n\nBy doing that, you avoid additional fees and penalties, until you can get your feet under you financially.  \n\nThe worst thing?  First they will place a report on your credit, making it hard for you go get loans in the future.  \n\nFor $2000 they may sue you.  If you have an income, or property such as a home or car, they may decide it's worth the effort.  If they do, tack on court costs and lawyer fees to what you owe.\n\nOnce they get a judgement, they can either garnish your wages, attach a lien to your bank accounts, take your car or put a judgement lien on your home (then you can't sell it).  \n\nThey don't go after your furniture or other posessions as nitwit says above.\n\nSo, my opinion, call the CC company and work it out.  If they don't budge, send them a letter to cease and desist so they stop calling you.
275612
Learn how to save money and you'll be ok. Take a deep breath ... and let it out - you're free!
938189
Figure out how much you make each month - take home, not gross. Figure out how much you owe each month. How much is left over? That is what you live on and/or SAVE and/or use to pay off high interest loans, credit cards, etc. If there is no money left over then you need to get better paying job or a second job.\n \nDon't spend more than you earn. Don't use credit cards unless you can pay off the balance each month. Clip and use food coupons. Ask yourself if you will be terribly inconvenienced if you don't buy *whatever*. Keep your car tires inflated so you don't waste gas. Carpool. No impulse buying. Go to the library and read books on bugeting and saving money.
545721
holy crap!!..I make over twice that amount a month and I don't make ends meet...good luck!!!
963779
5,000 dollars from my parents!..........:)
1018869
Try to find a rent to own. My husband and I had bad credit and wanted our own home. \nWe looked in our daily local newspaper and found a 3 bedroom -2 bathroom ,2+ acres and all we had to do was sign the lease and give a 1000.00 down and we were in.\nA lot of rent to owns don't do a credit check. \nWe pay 640.00 a month and that includes insurance and water.\nWe pay 200.00 a yr in taxes. We have now been in our home 1 yr and loving it!
905511
do lots of car washes, ask ur parents if u could do anything for money, save up ur money
1120907
That arrangement is entirely up to you and your parents. What ever makes all of you comfortable. Some leave, some don't. If you do stay though, you should help contribute to the household income or at least do a decent amount of work around the house to help pay for your keep.
468366
I've heard several tips for this from Clark Howard, I'll share some with you:\n\n1. No matter what, you pay yourself first.  Put SOMETHING away before you pay your bills, EVERYTIME you get paid.\n2. Never use change when you spend.  If something costs 11.49, pay the 12.00 and throw the change into some type of "bank" at home.  If something is 1.19, don't look in your purse for the change, spend the $2.00 and throw the .81 in the "bank."  People who did this were on his show telling how, at the end of the year they managed to save $2500, and went on vacation with the money!\n\n3. Something I used to do when I needed a little cash quickly, was pay two bills with the same money.  How?  you might ask.  Well easy, if you have a credit card.  What I used to do is, add up all my utilities, my cable bill, phone bill, electricity bill, and even my car insurance and sometimes car note... and pay my credit card with that amount.  It's great if you can pay your credit card OFF like this each month - then I would take the credit card and actually PAY the bills with it.  This way, your credit card is getting paid (maybe in full - resulting in even greater savings since you won't have to pay finance charges) AND all your utilities and bills are getting paid... with the same money. =)\n\n4. Find out your "latte factor" basically Clark says that we all have a "latte factor," something frivolous that we spend our money on everyday - like starbucks coffee, or whatever... he says when you find it, eliminate that expense and take the money you spend on it everyday and save it.  He computed that $5 a day every day for 5 years, could yield a savings of $12,000!\n\nHope that helps!!!
655841
You should write out a budget. Budget for everything. Bills, car payments, entertainment etc. And try to save a little every paycheck.
1169764
Strange how costly it can be to not want to live by a few little rules, isn't it.\n\nHeck, you want to move out and you can't even prepare a budget for your self.\n\nWhat do you want a roommate for? To get sick of rules again, or to mother him by making rules for him?\n\nBTW! $1000.00/month is sufficient if you wish to reside in a poor house.
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.
1047615
WOW,\n What an opportunity. You have the answer right there. You have 330 units already rented with people who would love to save on their space. Make flyers, self or have kinkos or someone else do it. Say something like, Bring me a person who signs a contract for a place and receive a week or month free. depends how you normally charge. If  you charge 100 a month x1200 a year , and let's say 100 units take you up on this offer you loose $10,000 in free months or week  of rent. The up- side, the lost is only once(one month of free rent.). and of course you now have 100 more units rented. 100 times $100 a month = you guessed it $10,000. You really lost nothing and gained 100 more units rented. Suppose only 50 units remained after the month 50 x $100 a month =$5,000, additional  money than your current situation and very little expense from you. I would sweeten the deal and offer those that are referred a free week or free month,but of course only if the sign a longer lease. Your  customers are always looking for ways to save, they are motivated. Business cards, cheap and cheap to print on the back , 10% discount off of 1st month rent etc, with this card. Give them out to everybody,everybody. Leave them when you pay for dinner or at the cashier at the gas station, post them in apt buildings laundry mats, etc
1151295
Anywhere between NONE and all that you can afford..how favorite are they?  What other obligations do you have? I'd say 50%...I'm sure there are things you can do without and still places that you can save in your monthly budget on things for you (and others in your family, if applicable).