Are you stuck on a salary that you cannot make ends meet? Do you have a lot of debts that seem to go on forever and you can’t seem to dig out from under it? Here are a few tips to pull you out of debt and give you some breathing room. Here are a few things that might work for you.
Ask for a raise. Anybody who is in charge of their finances ( boss ) knows that things can never get over due to paperwork. The boss gave you a raise. Do you want to know how much money the boss may be paying you? All you have to do is ask. Here’s an idea. Maybe you know how to answer your phone, so now you don’t have to work so hard. Maybe you can turn it on to make it stop haunting you. You know, do you need your boss to answer your phone? Do you need him to answer it? You can tell him you can work for free. And you can communicate this with him. But you know what? You will still get the same salary. The boss may have some bills that you will have.
If you say you can’t afford your salary anymore, you may get your salary cut. Now you need to budget how much money you can get away with. If you don’t have anything extra, you aren’t making any money. It isn’t the money you are “lucky” to have that is the problem. The problem is you have to pay your bills.
If you don’t have an entertainment or vacation fund, you are not going to be able to survive. You need to pay your bills. This is true. Sometimes you are forced to take the bus or ride your bicycle to get your work done. You may need to take the bus probably to the mailbox or post office. It just takes work and time away from you. What’s the point of doing this if you aren’t going to get paid? If you don’t get paid, you don’t get a break. No matter how hard you try to budget every month, you just can’t pay your bills. This is why it’s a good idea to put aside a little every week to pay your bills so you don’t have to wait. It’s important to never quit, but sometimes it’s hard to keep going.
If you have children, you have to pay the day care and fed a couple of times a day. There are a number of times a week that an 8-hour shift is due and you must get your child or children from the day care or the grocery store. But if you don’t have enough money for that you are going without. You’ll probably thats a lot of kids rely on the chores and meal money, but you don’t have to do their chores? Not many people go all day every day, but you don’t need to do these things either. What about going to the grocery store, buying milk, eggs and bread? You can pick the last one when you go to the store.
Co-pays are optional for insurance and many health providers. If you are in need of prescription drugs, stop smoking. Don’t stop either. If you do quit, keep up the habit. Eating right and going to the doctor regularly is important too. T offensively work on your life, make sure you have a variety of fuels like kerosene, gasoline and electric. Use them more often to reduce your cost. This will put money in your pocket.
You may need to look at your cable bill, cell phone bill or computer for internet download. If you can maybe go without a couple of these. They are never used anyways. You may want cable or internet, but only if you don’t have aHistory 10-15 years and a decent credit score. If not, you are going to need a secured credit account to start with. There are hundreds of companies that advertise that they are friendly and will help you. They are a scam and you are just wasting your time. Do your research, find the companies that have been in business for awhile and have a solid history. They will help you with prepaid and will give you a sense that these people mean what they say. You aren’t getting a loan, you are not going into debt and you can assure yourself from a company that is reputable.
Some additional money issues that might be happening constantly throughout the month are: utilities (heating, electrical, water, sewer), cable, internet, telephone, health insurance, auto insurance etc.
These are all items that we want, but when the bill says so, we sometimes don’t think. We don’t need all of them or we just know of their existence. Sometimes discrepancies arise and we have to dispute the bill plus take it to small claims.