You see, there are many people who spend thousands of dollars trying to figure out how to make money online. Not to mention the countless hours of time wasted banging your head against the keyboard.
You can buy other products that range between $20 and $997, but still end up frustrated in the end.
I know, I’ve been there. It seems like I’ve bought EVERY product out there.. which isn’t good considering I need a second part time job in order to make ends meet.
Though before every single time I bought something I asked myself..
“Will this really work for me? Is this a scam? How do I know this is legit?”
I know you’re probably asking yourself these exact questions..
Some Informations about Emergency Christmas Cash:
- Product: Emergency Christmas Cash
- Creator: Kristie Chiles
- Launch Date: 2013-11-23 at 11:00 EST
- Price: $7-$9
- Niche: Affiliate Marketing
- Bonus Page: Yes – Clicking here to receive huge bonus worth over $4500
- Special Offer: Yes – Clicking here to get it with 70% Discount OFF 7 Days
- 100% money back guarantee
- Website: http://emergencychristmascash.com
Emergency Christmas Cash Includes:
How to make silly little review videos that bring in affiliate commissions FAST.. (you don’t need to be in front of a camera, and you only use FREE easy-to-use software) page 3
A sneaky way to have BOTH YouTube & Google HELP force you to rank #1 on those videos.. (it really is easier than you think..) page 19
How to effortlessly position yourself in front of RABID buyers who are ready to buy NOW.. (this was a secret I discovered after reading a Gary Halbert quote..) page 6
Screenshots and step-by-step directions on EXACTLY what to click and where to go in order to get started NOW.. (I leave nothing to chance and literally hold your hand the entire way..) pages 4, 5, 7-10, 13, 20-22
The not-so-secret ‘source’ which I personally use to GUARANTEE this method NEVER becomes saturated no matter how many people buy this.. (there’s literally a list of hundreds..) page 4
A BONUS 11 minute video which I made to help DEMONSTRATE the tips and secrets which I’m revealing.. (so you know EXACTLY how I do thing..) page 20
The #1 factor which separates YOU from the hordes of marketers that have NO CLUE what they’re doing.. (simply following this tip will increase the results of ALL of your marketing by at least 100% for LIFE..)page 17
The ‘Internet Marketing DISEASE’ which GUARANTEES failure unless you know what it is.. (follow this dead-simple rule and finally be cured from not being able to make a single dime online..) page 18
The RIGHT way to ‘Seal The Deal’ and ensure the BUYERS who are watching your silly little videos will buy NOW.. (I even tell you how to deliver on your promises..) pages 17, 18
Exactly HOW MUCH and WHAT KIND of content that should be included in your dead-simple videos in order to pull in sale after sale.. (there’s absolutely 0% of actual ‘thinking’ involved..) pages 16, 17
The KEY to making this ENTIRE System work to make you 100% passive income for days, weeks, months and YEARS to come.. (once you get the momentum going you’ll be STUNNED to see how much money you’re pulling in..) page 12
A way to literally force product owners to let YOU promote THEIR products, even if you’ve NEVER promoted anything before, or have FAILED time and time again.. (I used this exact tip to get started myself, even though I was a complete newbie..) page 11
An EASY way to make sure you’re getting 100% commissions on EVERY product you promote.. (it’s as simple as checking a ‘secret’ website not intended for the general public..) page 10
The secret millionaire mindset shift which takes you from being broke and poor.. to rolling around in endless streams of cash.. (I wasn’t able to start making ANYTHING until I finally learned this lesson..)page 15
The 100% FREE software which I used myself in order to make these silly little videos.. (I myself am NOT tech savvy, so if I can do it – you can do it..) page 13
How being a ‘Social Butterfly’ will have YouTube and Google LOVING your videos.. (it’s as simple as cut & paste..) pages 23, 24
A NINJA way to protect yourself from OTHER marketers who try to STEAL your content.. (this makes it so others marketers HELP you whenever they steal from you..) page 24
A template for you to follow which INCREASES the rank of your video without doing much at all.. (not everybody does this, and it’s how I’ve been able to get RESULTS..) pages 19, 23, 25
The reason why THIS technique works so well for selling ANYTHING.. (you don’t need to be a salesman.. you’re not ACTUALLY selling..) page 16
INFUSE Curiosity using these specific words/phrases which I’m handing to you on a silver platter.. (get more clicks, views and SALES)page 19
The EASIEST way to KICKSTART your video and ranking #1 for less than a starbucks cup of coffee.. (plus, I also give you a ninja tip on how to get the MOST out of that boost, which no one else does..) pages 25, 26, 27…
>>>Check It Out<<<
The Story about Emergency Christmas Cash:
If you want to effortlessly generate emergency cash WITHOUT paying for those presents under the tree this year then this will be the most impactful message you’ll ever read…
Because I’m going to show you how to quickly get rabid buyers clicking on YOUR affiliate links so that can start making FAST passive income.
But before I do that, let me tell you a story of how I was able to overcome being a frustrated online newbie and not making a SINGLE dime.
I’ve been trying to make money for a LONG time (almost forever it feels like)…
After not being able to make ends meet for myself, I took on a job as a substitute teacher..
But it’s really not that great..
In fact, it’s NOTHING like being able to generate thousands of dollars every single day like all of these other internet marketers you and I see do all the time.
That really is my dream…
So I’ve spent countless hours buying and researching different products, failing every time I tried to do anything.
I would go through each product
and ask myself this question:
“Can I do THIS method?”
And I would always answer..
“No, because I’m not computer savvy..”
“No, because it’s way too confusing..”
“No, because I don’t have ANY money to spend..”
“No, because there’s way too many steps..”
“No, because it’ll take TOO LONG to make any money this way..”
“No, because I’ve ALREADY tried this is another product and failed..”
“No, because I have absolutely no idea what I’m doing”
No matter what I tried to do..
Whether it was building a list, making simple websites, writing a ton of articles, endlessly calling prospects on the phone, using facebook, direct linking, CPA marketing, etc, etc, etc…
It NEVER worked for me.
I began to worry that maybe I would struggle to make a ‘normal’ living and ALWAYS have to live paycheck to paycheck..
I would always read about other people who were going through the same struggles as I was on the forums. Other people were losing their jobs, losing their homes, and losing their livelihood.
I would always think to myself – Will this ever happen to ME? Let me tell you..
I was scared.
And now, to make matters worse..
Christmas is right around the corner, and I’m afraid that I won’t be able to put presents under the tree this year. So you can imagine how nerve wracking this can all be.
So please trust me when I say this.. It’s been a HUGE learning process for me.
Maybe you’re going through this same ‘learning process’ that I went through?
Maybe you’re like I was, and constantly FAILING to make any kind of cash?
Either way, I can tell you one thing:
There’s really only 1 difference between you and me…
What is it?
Well, I’ve FINALLY been able to find a way to make some decent cash online by using a formula which I’ve proven for myself.
I’ve personally used it to make the $124.57 so I can buy some presents for my sons and daughters.
Now I’m not so scared..
Because now I know how to make some quick Emergency Cash whenever I want.
Emergency cash for Christmas, ALL of my bills, and any other emergency I may EVER find myself in.
The best part?
ALL of the income is 100% PASSIVE.
Alright I think I’ve kept you waiting long enough…
You probably have one question in mind:
“WHAT Formula Let’s You Make Quick And Passive Emergency Cash?”
I thought you’d never ask..
Get The both of Vip Bonus $4500. The Bonus only here
3 simple steps to claim this bonuses
- Get Emergency Christmas Cash by Clicking here to download it now
- After completing the transaction, forward the receipt to my email at: [email protected]
- You will receive all the bonuses within 24 hours
- Call me: +84935852325 you’ll accept Bonus within 15′
Please Check My Bonus. Bonus Update Regularly
Please see more Another Products:
IM Profit Monster – The Internet Marketing Profit Monster was designed to put CASH MONEY in your pockets – short term and long term. I want you to see results immediately once you dive into the top secret content and methods on the other side of this page.
Thanks for visit my page Emergency Christmas Cash Review. Hope you could find useful information here. Wish you all the best. Cheers! and good luck to you! and have beautiful day and more!
Emergency Christmas Cash Review,
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
I’m working on getting my finances BACK together. Is it better to pay all of my bills on time with the minimum amount due or should I let one or two bills slide while I pay off others? The goal of course is to get rid of debt, but it will not happen as quickly if I pay everything at the minimum due monthly. Any suggestions…advice?
1 pay a lump sum a month to decrease term of it.
2 increase monthly payments or are these the same thing???????????
I am trying to create a monthly budget on Rent, Utilities, Food, Clothes, Makeup, Savings, cell phone,
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I am taking out a (new used) auto loan, no choice to wait, emergency situation. It’s a high interest now, but in about 3 months I will be able to pay off half of the purchase price. Does anyone know if this will lower my monthly payment when I send in this large payment? Or will I still have the same payment until the balance is paid off? I don’t know how these loans work. Thanks,
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
It’s so nice to hear of what other people give of themselves this time of year (and all year actually). Maybe someone who wants to give something back to society will read your answer and be be inspired to give to your charity.
I pick a child’s name from the “gift tree”, invite people who are alone to share our holiday meal, volunteer at our local shelter and give cash to the Salvation Army and others. I ALWAYS have the feeling that it just isn’t enough, so I hope to find other ways to give through your answers.
PLEASE, only serious answers from the truly honest & amazing people on Answers who really care. This really isn’t a subject to make fun of. Thanks for understanding.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
It’s so nice to hear of what other people give of themselves this time of year (and all year actually). Maybe someone who wants to give something back to society will read your answer and be be inspired to give to your charity.
I pick a child’s name from the “gift tree”, invite people who are alone to share our holiday meal, volunteer at our local shelter and give cash to the Salvation Army and others. I ALWAYS have the feeling that it just isn’t enough, so I hope to find other ways to give through your answers.
PLEASE, only serious answers from the truly honest & amazing people on Answers who really care. This really isn’t a subject to make fun of. Thanks for understanding.
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
heard ads on the radio… is it just a gimmic?
Do you have any tips that could for those financially-challenged young people today?
I know the basics. Don’t eat out, shop in bulk, use coupons. How can I save cash? What is a christmas account? What kind of accounts can I open that will accumulate interest over a certain time, but I wouldn’t lose my cash. Any tips and ideas would greatly be appreciated.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I know the basics. Don’t eat out, shop in bulk, use coupons. How can I save cash? What is a christmas account? What kind of accounts can I open that will accumulate interest over a certain time, but I wouldn’t lose my cash. Any tips and ideas would greatly be appreciated.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
It’s so nice to hear of what other people give of themselves this time of year (and all year actually). Maybe someone who wants to give something back to society will read your answer and be be inspired to give to your charity.
I pick a child’s name from the “gift tree”, invite people who are alone to share our holiday meal, volunteer at our local shelter and give cash to the Salvation Army and others. I ALWAYS have the feeling that it just isn’t enough, so I hope to find other ways to give through your answers.
PLEASE, only serious answers from the truly honest & amazing people on Answers who really care. This really isn’t a subject to make fun of. Thanks for understanding.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
It’s so nice to hear of what other people give of themselves this time of year (and all year actually). Maybe someone who wants to give something back to society will read your answer and be be inspired to give to your charity.
I pick a child’s name from the “gift tree”, invite people who are alone to share our holiday meal, volunteer at our local shelter and give cash to the Salvation Army and others. I ALWAYS have the feeling that it just isn’t enough, so I hope to find other ways to give through your answers.
PLEASE, only serious answers from the truly honest & amazing people on Answers who really care. This really isn’t a subject to make fun of. Thanks for understanding.
I currently have 2 major credit cards, one is a Visa and the other is a MasterCard. I’m planning a road trip and have some Christmas shopping to do. I have a checking account with a local bank but they kinda suck when it comes to features. I ordered an American Express prepaid card, not because I really wanted Amex, but because it’s prepaid with no monthly fees and I don’t use it with an ATM so I’m not paying any fees. Why I really want to hang onto the prepaid is because I just like the feeling, when I buy something it’s paid for and not have to worry about paying the bill later. My idea was to keep a few hundred on it for some extra money for the holidays and the like, plus the funds aren’t connected to my main checking account so if there’s a problem it won’t effect the money I need to pay bills. Later I got talked into going with Bank of America and signed up for a checking account via eBanking. I can keep funds in the account to use with a debit card and they are also separate from my “emergency funds” at my local bank. Local bank is nice for when I want to use the window or need to get some quick cash.
Right now I don’t need anyone telling me I need a credit card because I have 2 and I don’t want to overuse them because I’m trying to improve my credit and if I put everything on them they’ll be maxed out. My plan is to wait for the bill, I think it comes Dec 8, so they both report to the credit bureaus then pay both in full. When possible I was wanted to use the prepaid Amex and BofA debit card to buy gas and pay for motel rooms on my trip. I’m also taking some cash but I could also use the BofA card to get cash if necessary. My credit cards will just kind of be the “back up” in case they refuse to rent me a room or something with my other 2 cards. There are tricks to getting around the holds put on debit cards like checking into a motel with a credit card and paying the final bill with a debit card or paying inside the station for gas.
My mom says this is all a stupid idea and I need to get it down to one credit card and one only. She also says I should just have one bank account at a local bank and drop the prepaid Amex like a bad habit. I realize the nearest BofA location is hundreds of miles from here, but I love the fact that I can use my phones camera to get a picture of checks and deposit them from wherever I am. I can be on the road and deposit checks as soon as I get them, not something I can do with my local bank, I have to go to the window when the bank is open to cash my checks.
What my mom said is if people agree with me that it’s perfectly fine to hold onto prepaid cards when you have 2 major credit cards, I can keep them, but if several people agree that I need to dump something, then I have to dump it. Does anyone see that it makes sense to hang onto 2 bank accounts (one distant eBanking) 2 credit cards and one prepaid card? My mom says there is a problem with my thinking and I need professional help, I really need to know who agrees and disagrees.
I (with my wife) will be making about $100k a year. I plan on tithing 10% and then taxes will take another 30%. But that still leaves $60k. What is a reasonable budget for a year’s living expenses for a married couple with no kids in a townhouse? And witht the rest, should I pay off loans, start a savings account, buy a house, start an IRA, etc? And how much should I put in each one?
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
I think he has gone senile as he is buying a lot of expensive things. He went Christmas shopping today and bought some shoes and shirts for our son in law. He buys shoes for him EVERY christmas as a present! Dont laugh he is driving me crazy because everyday there is something new that we dont need.
He knows my reaction and walks away from me and stays away for a couple of days Stays on the computer!
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I am taking out a (new used) auto loan, no choice to wait, emergency situation. It’s a high interest now, but in about 3 months I will be able to pay off half of the purchase price. Does anyone know if this will lower my monthly payment when I send in this large payment? Or will I still have the same payment until the balance is paid off? I don’t know how these loans work. Thanks,
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
I’m working on getting my finances BACK together. Is it better to pay all of my bills on time with the minimum amount due or should I let one or two bills slide while I pay off others? The goal of course is to get rid of debt, but it will not happen as quickly if I pay everything at the minimum due monthly. Any suggestions…advice?
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
It’s so nice to hear of what other people give of themselves this time of year (and all year actually). Maybe someone who wants to give something back to society will read your answer and be be inspired to give to your charity.
I pick a child’s name from the “gift tree”, invite people who are alone to share our holiday meal, volunteer at our local shelter and give cash to the Salvation Army and others. I ALWAYS have the feeling that it just isn’t enough, so I hope to find other ways to give through your answers.
PLEASE, only serious answers from the truly honest & amazing people on Answers who really care. This really isn’t a subject to make fun of. Thanks for understanding.
I know the basics. Don’t eat out, shop in bulk, use coupons. How can I save cash? What is a christmas account? What kind of accounts can I open that will accumulate interest over a certain time, but I wouldn’t lose my cash. Any tips and ideas would greatly be appreciated.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I am all about immediate gratification. I love spending money on myself, my daughter or any loved ones (mainly my daughter). How do I make a budget for myself and actually keep it. I’m horrible with money so just telling myself to Stick To It is not an option. It won’t work…please, help?
Thank u. That was extremely helpful!
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
I am all about immediate gratification. I love spending money on myself, my daughter or any loved ones (mainly my daughter). How do I make a budget for myself and actually keep it. I’m horrible with money so just telling myself to Stick To It is not an option. It won’t work…please, help?
Thank u. That was extremely helpful!
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
I’m working on getting my finances BACK together. Is it better to pay all of my bills on time with the minimum amount due or should I let one or two bills slide while I pay off others? The goal of course is to get rid of debt, but it will not happen as quickly if I pay everything at the minimum due monthly. Any suggestions…advice?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I’m working on getting my finances BACK together. Is it better to pay all of my bills on time with the minimum amount due or should I let one or two bills slide while I pay off others? The goal of course is to get rid of debt, but it will not happen as quickly if I pay everything at the minimum due monthly. Any suggestions…advice?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
It’s so nice to hear of what other people give of themselves this time of year (and all year actually). Maybe someone who wants to give something back to society will read your answer and be be inspired to give to your charity.
I pick a child’s name from the “gift tree”, invite people who are alone to share our holiday meal, volunteer at our local shelter and give cash to the Salvation Army and others. I ALWAYS have the feeling that it just isn’t enough, so I hope to find other ways to give through your answers.
PLEASE, only serious answers from the truly honest & amazing people on Answers who really care. This really isn’t a subject to make fun of. Thanks for understanding.
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
Help, I need to change from Vodafone who won’t renew my current good deal. Currently I pay £7 including VAT a month for 75 mins of calls and about 50 texts but I never use them – I really only the phone for emergencies but don’t want to go on Pay as you Go since it doesn’t have international access. So, can anyone tell me which is the best contract deal for me, partiucularly as I don’t need an upgraded phone and am happy to keep my current one – I am relying on you guys to tell me what’s best. Many thanks.
Don’t want Pay as you go since it doesn’t give me the international access that I need – so I have to look for a contract deal.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
It’s so nice to hear of what other people give of themselves this time of year (and all year actually). Maybe someone who wants to give something back to society will read your answer and be be inspired to give to your charity.
I pick a child’s name from the “gift tree”, invite people who are alone to share our holiday meal, volunteer at our local shelter and give cash to the Salvation Army and others. I ALWAYS have the feeling that it just isn’t enough, so I hope to find other ways to give through your answers.
PLEASE, only serious answers from the truly honest & amazing people on Answers who really care. This really isn’t a subject to make fun of. Thanks for understanding.
Help, I need to change from Vodafone who won’t renew my current good deal. Currently I pay £7 including VAT a month for 75 mins of calls and about 50 texts but I never use them – I really only the phone for emergencies but don’t want to go on Pay as you Go since it doesn’t have international access. So, can anyone tell me which is the best contract deal for me, partiucularly as I don’t need an upgraded phone and am happy to keep my current one – I am relying on you guys to tell me what’s best. Many thanks.
Don’t want Pay as you go since it doesn’t give me the international access that I need – so I have to look for a contract deal.
I currently have 2 major credit cards, one is a Visa and the other is a MasterCard. I’m planning a road trip and have some Christmas shopping to do. I have a checking account with a local bank but they kinda suck when it comes to features. I ordered an American Express prepaid card, not because I really wanted Amex, but because it’s prepaid with no monthly fees and I don’t use it with an ATM so I’m not paying any fees. Why I really want to hang onto the prepaid is because I just like the feeling, when I buy something it’s paid for and not have to worry about paying the bill later. My idea was to keep a few hundred on it for some extra money for the holidays and the like, plus the funds aren’t connected to my main checking account so if there’s a problem it won’t effect the money I need to pay bills. Later I got talked into going with Bank of America and signed up for a checking account via eBanking. I can keep funds in the account to use with a debit card and they are also separate from my “emergency funds” at my local bank. Local bank is nice for when I want to use the window or need to get some quick cash.
Right now I don’t need anyone telling me I need a credit card because I have 2 and I don’t want to overuse them because I’m trying to improve my credit and if I put everything on them they’ll be maxed out. My plan is to wait for the bill, I think it comes Dec 8, so they both report to the credit bureaus then pay both in full. When possible I was wanted to use the prepaid Amex and BofA debit card to buy gas and pay for motel rooms on my trip. I’m also taking some cash but I could also use the BofA card to get cash if necessary. My credit cards will just kind of be the “back up” in case they refuse to rent me a room or something with my other 2 cards. There are tricks to getting around the holds put on debit cards like checking into a motel with a credit card and paying the final bill with a debit card or paying inside the station for gas.
My mom says this is all a stupid idea and I need to get it down to one credit card and one only. She also says I should just have one bank account at a local bank and drop the prepaid Amex like a bad habit. I realize the nearest BofA location is hundreds of miles from here, but I love the fact that I can use my phones camera to get a picture of checks and deposit them from wherever I am. I can be on the road and deposit checks as soon as I get them, not something I can do with my local bank, I have to go to the window when the bank is open to cash my checks.
What my mom said is if people agree with me that it’s perfectly fine to hold onto prepaid cards when you have 2 major credit cards, I can keep them, but if several people agree that I need to dump something, then I have to dump it. Does anyone see that it makes sense to hang onto 2 bank accounts (one distant eBanking) 2 credit cards and one prepaid card? My mom says there is a problem with my thinking and I need professional help, I really need to know who agrees and disagrees.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I am taking out a (new used) auto loan, no choice to wait, emergency situation. It’s a high interest now, but in about 3 months I will be able to pay off half of the purchase price. Does anyone know if this will lower my monthly payment when I send in this large payment? Or will I still have the same payment until the balance is paid off? I don’t know how these loans work. Thanks,
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I currently have 2 major credit cards, one is a Visa and the other is a MasterCard. I’m planning a road trip and have some Christmas shopping to do. I have a checking account with a local bank but they kinda suck when it comes to features. I ordered an American Express prepaid card, not because I really wanted Amex, but because it’s prepaid with no monthly fees and I don’t use it with an ATM so I’m not paying any fees. Why I really want to hang onto the prepaid is because I just like the feeling, when I buy something it’s paid for and not have to worry about paying the bill later. My idea was to keep a few hundred on it for some extra money for the holidays and the like, plus the funds aren’t connected to my main checking account so if there’s a problem it won’t effect the money I need to pay bills. Later I got talked into going with Bank of America and signed up for a checking account via eBanking. I can keep funds in the account to use with a debit card and they are also separate from my “emergency funds” at my local bank. Local bank is nice for when I want to use the window or need to get some quick cash.
Right now I don’t need anyone telling me I need a credit card because I have 2 and I don’t want to overuse them because I’m trying to improve my credit and if I put everything on them they’ll be maxed out. My plan is to wait for the bill, I think it comes Dec 8, so they both report to the credit bureaus then pay both in full. When possible I was wanted to use the prepaid Amex and BofA debit card to buy gas and pay for motel rooms on my trip. I’m also taking some cash but I could also use the BofA card to get cash if necessary. My credit cards will just kind of be the “back up” in case they refuse to rent me a room or something with my other 2 cards. There are tricks to getting around the holds put on debit cards like checking into a motel with a credit card and paying the final bill with a debit card or paying inside the station for gas.
My mom says this is all a stupid idea and I need to get it down to one credit card and one only. She also says I should just have one bank account at a local bank and drop the prepaid Amex like a bad habit. I realize the nearest BofA location is hundreds of miles from here, but I love the fact that I can use my phones camera to get a picture of checks and deposit them from wherever I am. I can be on the road and deposit checks as soon as I get them, not something I can do with my local bank, I have to go to the window when the bank is open to cash my checks.
What my mom said is if people agree with me that it’s perfectly fine to hold onto prepaid cards when you have 2 major credit cards, I can keep them, but if several people agree that I need to dump something, then I have to dump it. Does anyone see that it makes sense to hang onto 2 bank accounts (one distant eBanking) 2 credit cards and one prepaid card? My mom says there is a problem with my thinking and I need professional help, I really need to know who agrees and disagrees.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
I (with my wife) will be making about $100k a year. I plan on tithing 10% and then taxes will take another 30%. But that still leaves $60k. What is a reasonable budget for a year’s living expenses for a married couple with no kids in a townhouse? And witht the rest, should I pay off loans, start a savings account, buy a house, start an IRA, etc? And how much should I put in each one?
I currently have 2 major credit cards, one is a Visa and the other is a MasterCard. I’m planning a road trip and have some Christmas shopping to do. I have a checking account with a local bank but they kinda suck when it comes to features. I ordered an American Express prepaid card, not because I really wanted Amex, but because it’s prepaid with no monthly fees and I don’t use it with an ATM so I’m not paying any fees. Why I really want to hang onto the prepaid is because I just like the feeling, when I buy something it’s paid for and not have to worry about paying the bill later. My idea was to keep a few hundred on it for some extra money for the holidays and the like, plus the funds aren’t connected to my main checking account so if there’s a problem it won’t effect the money I need to pay bills. Later I got talked into going with Bank of America and signed up for a checking account via eBanking. I can keep funds in the account to use with a debit card and they are also separate from my “emergency funds” at my local bank. Local bank is nice for when I want to use the window or need to get some quick cash.
Right now I don’t need anyone telling me I need a credit card because I have 2 and I don’t want to overuse them because I’m trying to improve my credit and if I put everything on them they’ll be maxed out. My plan is to wait for the bill, I think it comes Dec 8, so they both report to the credit bureaus then pay both in full. When possible I was wanted to use the prepaid Amex and BofA debit card to buy gas and pay for motel rooms on my trip. I’m also taking some cash but I could also use the BofA card to get cash if necessary. My credit cards will just kind of be the “back up” in case they refuse to rent me a room or something with my other 2 cards. There are tricks to getting around the holds put on debit cards like checking into a motel with a credit card and paying the final bill with a debit card or paying inside the station for gas.
My mom says this is all a stupid idea and I need to get it down to one credit card and one only. She also says I should just have one bank account at a local bank and drop the prepaid Amex like a bad habit. I realize the nearest BofA location is hundreds of miles from here, but I love the fact that I can use my phones camera to get a picture of checks and deposit them from wherever I am. I can be on the road and deposit checks as soon as I get them, not something I can do with my local bank, I have to go to the window when the bank is open to cash my checks.
What my mom said is if people agree with me that it’s perfectly fine to hold onto prepaid cards when you have 2 major credit cards, I can keep them, but if several people agree that I need to dump something, then I have to dump it. Does anyone see that it makes sense to hang onto 2 bank accounts (one distant eBanking) 2 credit cards and one prepaid card? My mom says there is a problem with my thinking and I need professional help, I really need to know who agrees and disagrees.
It’s so nice to hear of what other people give of themselves this time of year (and all year actually). Maybe someone who wants to give something back to society will read your answer and be be inspired to give to your charity.
I pick a child’s name from the “gift tree”, invite people who are alone to share our holiday meal, volunteer at our local shelter and give cash to the Salvation Army and others. I ALWAYS have the feeling that it just isn’t enough, so I hope to find other ways to give through your answers.
PLEASE, only serious answers from the truly honest & amazing people on Answers who really care. This really isn’t a subject to make fun of. Thanks for understanding.
I currently have 2 major credit cards, one is a Visa and the other is a MasterCard. I’m planning a road trip and have some Christmas shopping to do. I have a checking account with a local bank but they kinda suck when it comes to features. I ordered an American Express prepaid card, not because I really wanted Amex, but because it’s prepaid with no monthly fees and I don’t use it with an ATM so I’m not paying any fees. Why I really want to hang onto the prepaid is because I just like the feeling, when I buy something it’s paid for and not have to worry about paying the bill later. My idea was to keep a few hundred on it for some extra money for the holidays and the like, plus the funds aren’t connected to my main checking account so if there’s a problem it won’t effect the money I need to pay bills. Later I got talked into going with Bank of America and signed up for a checking account via eBanking. I can keep funds in the account to use with a debit card and they are also separate from my “emergency funds” at my local bank. Local bank is nice for when I want to use the window or need to get some quick cash.
Right now I don’t need anyone telling me I need a credit card because I have 2 and I don’t want to overuse them because I’m trying to improve my credit and if I put everything on them they’ll be maxed out. My plan is to wait for the bill, I think it comes Dec 8, so they both report to the credit bureaus then pay both in full. When possible I was wanted to use the prepaid Amex and BofA debit card to buy gas and pay for motel rooms on my trip. I’m also taking some cash but I could also use the BofA card to get cash if necessary. My credit cards will just kind of be the “back up” in case they refuse to rent me a room or something with my other 2 cards. There are tricks to getting around the holds put on debit cards like checking into a motel with a credit card and paying the final bill with a debit card or paying inside the station for gas.
My mom says this is all a stupid idea and I need to get it down to one credit card and one only. She also says I should just have one bank account at a local bank and drop the prepaid Amex like a bad habit. I realize the nearest BofA location is hundreds of miles from here, but I love the fact that I can use my phones camera to get a picture of checks and deposit them from wherever I am. I can be on the road and deposit checks as soon as I get them, not something I can do with my local bank, I have to go to the window when the bank is open to cash my checks.
What my mom said is if people agree with me that it’s perfectly fine to hold onto prepaid cards when you have 2 major credit cards, I can keep them, but if several people agree that I need to dump something, then I have to dump it. Does anyone see that it makes sense to hang onto 2 bank accounts (one distant eBanking) 2 credit cards and one prepaid card? My mom says there is a problem with my thinking and I need professional help, I really need to know who agrees and disagrees.
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
I am taking out a (new used) auto loan, no choice to wait, emergency situation. It’s a high interest now, but in about 3 months I will be able to pay off half of the purchase price. Does anyone know if this will lower my monthly payment when I send in this large payment? Or will I still have the same payment until the balance is paid off? I don’t know how these loans work. Thanks,
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
Help, I need to change from Vodafone who won’t renew my current good deal. Currently I pay £7 including VAT a month for 75 mins of calls and about 50 texts but I never use them – I really only the phone for emergencies but don’t want to go on Pay as you Go since it doesn’t have international access. So, can anyone tell me which is the best contract deal for me, partiucularly as I don’t need an upgraded phone and am happy to keep my current one – I am relying on you guys to tell me what’s best. Many thanks.
Don’t want Pay as you go since it doesn’t give me the international access that I need – so I have to look for a contract deal.
It’s so nice to hear of what other people give of themselves this time of year (and all year actually). Maybe someone who wants to give something back to society will read your answer and be be inspired to give to your charity.
I pick a child’s name from the “gift tree”, invite people who are alone to share our holiday meal, volunteer at our local shelter and give cash to the Salvation Army and others. I ALWAYS have the feeling that it just isn’t enough, so I hope to find other ways to give through your answers.
PLEASE, only serious answers from the truly honest & amazing people on Answers who really care. This really isn’t a subject to make fun of. Thanks for understanding.
I (with my wife) will be making about $100k a year. I plan on tithing 10% and then taxes will take another 30%. But that still leaves $60k. What is a reasonable budget for a year’s living expenses for a married couple with no kids in a townhouse? And witht the rest, should I pay off loans, start a savings account, buy a house, start an IRA, etc? And how much should I put in each one?
I currently have 2 major credit cards, one is a Visa and the other is a MasterCard. I’m planning a road trip and have some Christmas shopping to do. I have a checking account with a local bank but they kinda suck when it comes to features. I ordered an American Express prepaid card, not because I really wanted Amex, but because it’s prepaid with no monthly fees and I don’t use it with an ATM so I’m not paying any fees. Why I really want to hang onto the prepaid is because I just like the feeling, when I buy something it’s paid for and not have to worry about paying the bill later. My idea was to keep a few hundred on it for some extra money for the holidays and the like, plus the funds aren’t connected to my main checking account so if there’s a problem it won’t effect the money I need to pay bills. Later I got talked into going with Bank of America and signed up for a checking account via eBanking. I can keep funds in the account to use with a debit card and they are also separate from my “emergency funds” at my local bank. Local bank is nice for when I want to use the window or need to get some quick cash.
Right now I don’t need anyone telling me I need a credit card because I have 2 and I don’t want to overuse them because I’m trying to improve my credit and if I put everything on them they’ll be maxed out. My plan is to wait for the bill, I think it comes Dec 8, so they both report to the credit bureaus then pay both in full. When possible I was wanted to use the prepaid Amex and BofA debit card to buy gas and pay for motel rooms on my trip. I’m also taking some cash but I could also use the BofA card to get cash if necessary. My credit cards will just kind of be the “back up” in case they refuse to rent me a room or something with my other 2 cards. There are tricks to getting around the holds put on debit cards like checking into a motel with a credit card and paying the final bill with a debit card or paying inside the station for gas.
My mom says this is all a stupid idea and I need to get it down to one credit card and one only. She also says I should just have one bank account at a local bank and drop the prepaid Amex like a bad habit. I realize the nearest BofA location is hundreds of miles from here, but I love the fact that I can use my phones camera to get a picture of checks and deposit them from wherever I am. I can be on the road and deposit checks as soon as I get them, not something I can do with my local bank, I have to go to the window when the bank is open to cash my checks.
What my mom said is if people agree with me that it’s perfectly fine to hold onto prepaid cards when you have 2 major credit cards, I can keep them, but if several people agree that I need to dump something, then I have to dump it. Does anyone see that it makes sense to hang onto 2 bank accounts (one distant eBanking) 2 credit cards and one prepaid card? My mom says there is a problem with my thinking and I need professional help, I really need to know who agrees and disagrees.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I am taking out a (new used) auto loan, no choice to wait, emergency situation. It’s a high interest now, but in about 3 months I will be able to pay off half of the purchase price. Does anyone know if this will lower my monthly payment when I send in this large payment? Or will I still have the same payment until the balance is paid off? I don’t know how these loans work. Thanks,
I’m working on getting my finances BACK together. Is it better to pay all of my bills on time with the minimum amount due or should I let one or two bills slide while I pay off others? The goal of course is to get rid of debt, but it will not happen as quickly if I pay everything at the minimum due monthly. Any suggestions…advice?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
Help, I need to change from Vodafone who won’t renew my current good deal. Currently I pay £7 including VAT a month for 75 mins of calls and about 50 texts but I never use them – I really only the phone for emergencies but don’t want to go on Pay as you Go since it doesn’t have international access. So, can anyone tell me which is the best contract deal for me, partiucularly as I don’t need an upgraded phone and am happy to keep my current one – I am relying on you guys to tell me what’s best. Many thanks.
Don’t want Pay as you go since it doesn’t give me the international access that I need – so I have to look for a contract deal.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I know the basics. Don’t eat out, shop in bulk, use coupons. How can I save cash? What is a christmas account? What kind of accounts can I open that will accumulate interest over a certain time, but I wouldn’t lose my cash. Any tips and ideas would greatly be appreciated.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
I currently have 2 major credit cards, one is a Visa and the other is a MasterCard. I’m planning a road trip and have some Christmas shopping to do. I have a checking account with a local bank but they kinda suck when it comes to features. I ordered an American Express prepaid card, not because I really wanted Amex, but because it’s prepaid with no monthly fees and I don’t use it with an ATM so I’m not paying any fees. Why I really want to hang onto the prepaid is because I just like the feeling, when I buy something it’s paid for and not have to worry about paying the bill later. My idea was to keep a few hundred on it for some extra money for the holidays and the like, plus the funds aren’t connected to my main checking account so if there’s a problem it won’t effect the money I need to pay bills. Later I got talked into going with Bank of America and signed up for a checking account via eBanking. I can keep funds in the account to use with a debit card and they are also separate from my “emergency funds” at my local bank. Local bank is nice for when I want to use the window or need to get some quick cash.
Right now I don’t need anyone telling me I need a credit card because I have 2 and I don’t want to overuse them because I’m trying to improve my credit and if I put everything on them they’ll be maxed out. My plan is to wait for the bill, I think it comes Dec 8, so they both report to the credit bureaus then pay both in full. When possible I was wanted to use the prepaid Amex and BofA debit card to buy gas and pay for motel rooms on my trip. I’m also taking some cash but I could also use the BofA card to get cash if necessary. My credit cards will just kind of be the “back up” in case they refuse to rent me a room or something with my other 2 cards. There are tricks to getting around the holds put on debit cards like checking into a motel with a credit card and paying the final bill with a debit card or paying inside the station for gas.
My mom says this is all a stupid idea and I need to get it down to one credit card and one only. She also says I should just have one bank account at a local bank and drop the prepaid Amex like a bad habit. I realize the nearest BofA location is hundreds of miles from here, but I love the fact that I can use my phones camera to get a picture of checks and deposit them from wherever I am. I can be on the road and deposit checks as soon as I get them, not something I can do with my local bank, I have to go to the window when the bank is open to cash my checks.
What my mom said is if people agree with me that it’s perfectly fine to hold onto prepaid cards when you have 2 major credit cards, I can keep them, but if several people agree that I need to dump something, then I have to dump it. Does anyone see that it makes sense to hang onto 2 bank accounts (one distant eBanking) 2 credit cards and one prepaid card? My mom says there is a problem with my thinking and I need professional help, I really need to know who agrees and disagrees.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
Help, I need to change from Vodafone who won’t renew my current good deal. Currently I pay £7 including VAT a month for 75 mins of calls and about 50 texts but I never use them – I really only the phone for emergencies but don’t want to go on Pay as you Go since it doesn’t have international access. So, can anyone tell me which is the best contract deal for me, partiucularly as I don’t need an upgraded phone and am happy to keep my current one – I am relying on you guys to tell me what’s best. Many thanks.
Don’t want Pay as you go since it doesn’t give me the international access that I need – so I have to look for a contract deal.
I know the basics. Don’t eat out, shop in bulk, use coupons. How can I save cash? What is a christmas account? What kind of accounts can I open that will accumulate interest over a certain time, but I wouldn’t lose my cash. Any tips and ideas would greatly be appreciated.
I currently have 2 major credit cards, one is a Visa and the other is a MasterCard. I’m planning a road trip and have some Christmas shopping to do. I have a checking account with a local bank but they kinda suck when it comes to features. I ordered an American Express prepaid card, not because I really wanted Amex, but because it’s prepaid with no monthly fees and I don’t use it with an ATM so I’m not paying any fees. Why I really want to hang onto the prepaid is because I just like the feeling, when I buy something it’s paid for and not have to worry about paying the bill later. My idea was to keep a few hundred on it for some extra money for the holidays and the like, plus the funds aren’t connected to my main checking account so if there’s a problem it won’t effect the money I need to pay bills. Later I got talked into going with Bank of America and signed up for a checking account via eBanking. I can keep funds in the account to use with a debit card and they are also separate from my “emergency funds” at my local bank. Local bank is nice for when I want to use the window or need to get some quick cash.
Right now I don’t need anyone telling me I need a credit card because I have 2 and I don’t want to overuse them because I’m trying to improve my credit and if I put everything on them they’ll be maxed out. My plan is to wait for the bill, I think it comes Dec 8, so they both report to the credit bureaus then pay both in full. When possible I was wanted to use the prepaid Amex and BofA debit card to buy gas and pay for motel rooms on my trip. I’m also taking some cash but I could also use the BofA card to get cash if necessary. My credit cards will just kind of be the “back up” in case they refuse to rent me a room or something with my other 2 cards. There are tricks to getting around the holds put on debit cards like checking into a motel with a credit card and paying the final bill with a debit card or paying inside the station for gas.
My mom says this is all a stupid idea and I need to get it down to one credit card and one only. She also says I should just have one bank account at a local bank and drop the prepaid Amex like a bad habit. I realize the nearest BofA location is hundreds of miles from here, but I love the fact that I can use my phones camera to get a picture of checks and deposit them from wherever I am. I can be on the road and deposit checks as soon as I get them, not something I can do with my local bank, I have to go to the window when the bank is open to cash my checks.
What my mom said is if people agree with me that it’s perfectly fine to hold onto prepaid cards when you have 2 major credit cards, I can keep them, but if several people agree that I need to dump something, then I have to dump it. Does anyone see that it makes sense to hang onto 2 bank accounts (one distant eBanking) 2 credit cards and one prepaid card? My mom says there is a problem with my thinking and I need professional help, I really need to know who agrees and disagrees.
I know the basics. Don’t eat out, shop in bulk, use coupons. How can I save cash? What is a christmas account? What kind of accounts can I open that will accumulate interest over a certain time, but I wouldn’t lose my cash. Any tips and ideas would greatly be appreciated.
I (with my wife) will be making about $100k a year. I plan on tithing 10% and then taxes will take another 30%. But that still leaves $60k. What is a reasonable budget for a year’s living expenses for a married couple with no kids in a townhouse? And witht the rest, should I pay off loans, start a savings account, buy a house, start an IRA, etc? And how much should I put in each one?
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I know the basics. Don’t eat out, shop in bulk, use coupons. How can I save cash? What is a christmas account? What kind of accounts can I open that will accumulate interest over a certain time, but I wouldn’t lose my cash. Any tips and ideas would greatly be appreciated.
I know the basics. Don’t eat out, shop in bulk, use coupons. How can I save cash? What is a christmas account? What kind of accounts can I open that will accumulate interest over a certain time, but I wouldn’t lose my cash. Any tips and ideas would greatly be appreciated.
It’s so nice to hear of what other people give of themselves this time of year (and all year actually). Maybe someone who wants to give something back to society will read your answer and be be inspired to give to your charity.
I pick a child’s name from the “gift tree”, invite people who are alone to share our holiday meal, volunteer at our local shelter and give cash to the Salvation Army and others. I ALWAYS have the feeling that it just isn’t enough, so I hope to find other ways to give through your answers.
PLEASE, only serious answers from the truly honest & amazing people on Answers who really care. This really isn’t a subject to make fun of. Thanks for understanding.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
It’s so nice to hear of what other people give of themselves this time of year (and all year actually). Maybe someone who wants to give something back to society will read your answer and be be inspired to give to your charity.
I pick a child’s name from the “gift tree”, invite people who are alone to share our holiday meal, volunteer at our local shelter and give cash to the Salvation Army and others. I ALWAYS have the feeling that it just isn’t enough, so I hope to find other ways to give through your answers.
PLEASE, only serious answers from the truly honest & amazing people on Answers who really care. This really isn’t a subject to make fun of. Thanks for understanding.
Help, I need to change from Vodafone who won’t renew my current good deal. Currently I pay £7 including VAT a month for 75 mins of calls and about 50 texts but I never use them – I really only the phone for emergencies but don’t want to go on Pay as you Go since it doesn’t have international access. So, can anyone tell me which is the best contract deal for me, partiucularly as I don’t need an upgraded phone and am happy to keep my current one – I am relying on you guys to tell me what’s best. Many thanks.
Don’t want Pay as you go since it doesn’t give me the international access that I need – so I have to look for a contract deal.
I am taking out a (new used) auto loan, no choice to wait, emergency situation. It’s a high interest now, but in about 3 months I will be able to pay off half of the purchase price. Does anyone know if this will lower my monthly payment when I send in this large payment? Or will I still have the same payment until the balance is paid off? I don’t know how these loans work. Thanks,
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I’m working on getting my finances BACK together. Is it better to pay all of my bills on time with the minimum amount due or should I let one or two bills slide while I pay off others? The goal of course is to get rid of debt, but it will not happen as quickly if I pay everything at the minimum due monthly. Any suggestions…advice?
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
I am all about immediate gratification. I love spending money on myself, my daughter or any loved ones (mainly my daughter). How do I make a budget for myself and actually keep it. I’m horrible with money so just telling myself to Stick To It is not an option. It won’t work…please, help?
Thank u. That was extremely helpful!
I (with my wife) will be making about $100k a year. I plan on tithing 10% and then taxes will take another 30%. But that still leaves $60k. What is a reasonable budget for a year’s living expenses for a married couple with no kids in a townhouse? And witht the rest, should I pay off loans, start a savings account, buy a house, start an IRA, etc? And how much should I put in each one?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I am taking out a (new used) auto loan, no choice to wait, emergency situation. It’s a high interest now, but in about 3 months I will be able to pay off half of the purchase price. Does anyone know if this will lower my monthly payment when I send in this large payment? Or will I still have the same payment until the balance is paid off? I don’t know how these loans work. Thanks,
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
I’m working on getting my finances BACK together. Is it better to pay all of my bills on time with the minimum amount due or should I let one or two bills slide while I pay off others? The goal of course is to get rid of debt, but it will not happen as quickly if I pay everything at the minimum due monthly. Any suggestions…advice?
I am all about immediate gratification. I love spending money on myself, my daughter or any loved ones (mainly my daughter). How do I make a budget for myself and actually keep it. I’m horrible with money so just telling myself to Stick To It is not an option. It won’t work…please, help?
Thank u. That was extremely helpful!
I am taking out a (new used) auto loan, no choice to wait, emergency situation. It’s a high interest now, but in about 3 months I will be able to pay off half of the purchase price. Does anyone know if this will lower my monthly payment when I send in this large payment? Or will I still have the same payment until the balance is paid off? I don’t know how these loans work. Thanks,
I am taking out a (new used) auto loan, no choice to wait, emergency situation. It’s a high interest now, but in about 3 months I will be able to pay off half of the purchase price. Does anyone know if this will lower my monthly payment when I send in this large payment? Or will I still have the same payment until the balance is paid off? I don’t know how these loans work. Thanks,
I’m working on getting my finances BACK together. Is it better to pay all of my bills on time with the minimum amount due or should I let one or two bills slide while I pay off others? The goal of course is to get rid of debt, but it will not happen as quickly if I pay everything at the minimum due monthly. Any suggestions…advice?
I know the basics. Don’t eat out, shop in bulk, use coupons. How can I save cash? What is a christmas account? What kind of accounts can I open that will accumulate interest over a certain time, but I wouldn’t lose my cash. Any tips and ideas would greatly be appreciated.
I am taking out a (new used) auto loan, no choice to wait, emergency situation. It’s a high interest now, but in about 3 months I will be able to pay off half of the purchase price. Does anyone know if this will lower my monthly payment when I send in this large payment? Or will I still have the same payment until the balance is paid off? I don’t know how these loans work. Thanks,
Help, I need to change from Vodafone who won’t renew my current good deal. Currently I pay £7 including VAT a month for 75 mins of calls and about 50 texts but I never use them – I really only the phone for emergencies but don’t want to go on Pay as you Go since it doesn’t have international access. So, can anyone tell me which is the best contract deal for me, partiucularly as I don’t need an upgraded phone and am happy to keep my current one – I am relying on you guys to tell me what’s best. Many thanks.
Don’t want Pay as you go since it doesn’t give me the international access that I need – so I have to look for a contract deal.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I am taking out a (new used) auto loan, no choice to wait, emergency situation. It’s a high interest now, but in about 3 months I will be able to pay off half of the purchase price. Does anyone know if this will lower my monthly payment when I send in this large payment? Or will I still have the same payment until the balance is paid off? I don’t know how these loans work. Thanks,
I (with my wife) will be making about $100k a year. I plan on tithing 10% and then taxes will take another 30%. But that still leaves $60k. What is a reasonable budget for a year’s living expenses for a married couple with no kids in a townhouse? And witht the rest, should I pay off loans, start a savings account, buy a house, start an IRA, etc? And how much should I put in each one?
I currently have 2 major credit cards, one is a Visa and the other is a MasterCard. I’m planning a road trip and have some Christmas shopping to do. I have a checking account with a local bank but they kinda suck when it comes to features. I ordered an American Express prepaid card, not because I really wanted Amex, but because it’s prepaid with no monthly fees and I don’t use it with an ATM so I’m not paying any fees. Why I really want to hang onto the prepaid is because I just like the feeling, when I buy something it’s paid for and not have to worry about paying the bill later. My idea was to keep a few hundred on it for some extra money for the holidays and the like, plus the funds aren’t connected to my main checking account so if there’s a problem it won’t effect the money I need to pay bills. Later I got talked into going with Bank of America and signed up for a checking account via eBanking. I can keep funds in the account to use with a debit card and they are also separate from my “emergency funds” at my local bank. Local bank is nice for when I want to use the window or need to get some quick cash.
Right now I don’t need anyone telling me I need a credit card because I have 2 and I don’t want to overuse them because I’m trying to improve my credit and if I put everything on them they’ll be maxed out. My plan is to wait for the bill, I think it comes Dec 8, so they both report to the credit bureaus then pay both in full. When possible I was wanted to use the prepaid Amex and BofA debit card to buy gas and pay for motel rooms on my trip. I’m also taking some cash but I could also use the BofA card to get cash if necessary. My credit cards will just kind of be the “back up” in case they refuse to rent me a room or something with my other 2 cards. There are tricks to getting around the holds put on debit cards like checking into a motel with a credit card and paying the final bill with a debit card or paying inside the station for gas.
My mom says this is all a stupid idea and I need to get it down to one credit card and one only. She also says I should just have one bank account at a local bank and drop the prepaid Amex like a bad habit. I realize the nearest BofA location is hundreds of miles from here, but I love the fact that I can use my phones camera to get a picture of checks and deposit them from wherever I am. I can be on the road and deposit checks as soon as I get them, not something I can do with my local bank, I have to go to the window when the bank is open to cash my checks.
What my mom said is if people agree with me that it’s perfectly fine to hold onto prepaid cards when you have 2 major credit cards, I can keep them, but if several people agree that I need to dump something, then I have to dump it. Does anyone see that it makes sense to hang onto 2 bank accounts (one distant eBanking) 2 credit cards and one prepaid card? My mom says there is a problem with my thinking and I need professional help, I really need to know who agrees and disagrees.
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I am taking out a (new used) auto loan, no choice to wait, emergency situation. It’s a high interest now, but in about 3 months I will be able to pay off half of the purchase price. Does anyone know if this will lower my monthly payment when I send in this large payment? Or will I still have the same payment until the balance is paid off? I don’t know how these loans work. Thanks,
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I currently have 2 major credit cards, one is a Visa and the other is a MasterCard. I’m planning a road trip and have some Christmas shopping to do. I have a checking account with a local bank but they kinda suck when it comes to features. I ordered an American Express prepaid card, not because I really wanted Amex, but because it’s prepaid with no monthly fees and I don’t use it with an ATM so I’m not paying any fees. Why I really want to hang onto the prepaid is because I just like the feeling, when I buy something it’s paid for and not have to worry about paying the bill later. My idea was to keep a few hundred on it for some extra money for the holidays and the like, plus the funds aren’t connected to my main checking account so if there’s a problem it won’t effect the money I need to pay bills. Later I got talked into going with Bank of America and signed up for a checking account via eBanking. I can keep funds in the account to use with a debit card and they are also separate from my “emergency funds” at my local bank. Local bank is nice for when I want to use the window or need to get some quick cash.
Right now I don’t need anyone telling me I need a credit card because I have 2 and I don’t want to overuse them because I’m trying to improve my credit and if I put everything on them they’ll be maxed out. My plan is to wait for the bill, I think it comes Dec 8, so they both report to the credit bureaus then pay both in full. When possible I was wanted to use the prepaid Amex and BofA debit card to buy gas and pay for motel rooms on my trip. I’m also taking some cash but I could also use the BofA card to get cash if necessary. My credit cards will just kind of be the “back up” in case they refuse to rent me a room or something with my other 2 cards. There are tricks to getting around the holds put on debit cards like checking into a motel with a credit card and paying the final bill with a debit card or paying inside the station for gas.
My mom says this is all a stupid idea and I need to get it down to one credit card and one only. She also says I should just have one bank account at a local bank and drop the prepaid Amex like a bad habit. I realize the nearest BofA location is hundreds of miles from here, but I love the fact that I can use my phones camera to get a picture of checks and deposit them from wherever I am. I can be on the road and deposit checks as soon as I get them, not something I can do with my local bank, I have to go to the window when the bank is open to cash my checks.
What my mom said is if people agree with me that it’s perfectly fine to hold onto prepaid cards when you have 2 major credit cards, I can keep them, but if several people agree that I need to dump something, then I have to dump it. Does anyone see that it makes sense to hang onto 2 bank accounts (one distant eBanking) 2 credit cards and one prepaid card? My mom says there is a problem with my thinking and I need professional help, I really need to know who agrees and disagrees.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
Help, I need to change from Vodafone who won’t renew my current good deal. Currently I pay £7 including VAT a month for 75 mins of calls and about 50 texts but I never use them – I really only the phone for emergencies but don’t want to go on Pay as you Go since it doesn’t have international access. So, can anyone tell me which is the best contract deal for me, partiucularly as I don’t need an upgraded phone and am happy to keep my current one – I am relying on you guys to tell me what’s best. Many thanks.
Don’t want Pay as you go since it doesn’t give me the international access that I need – so I have to look for a contract deal.
I currently have 2 major credit cards, one is a Visa and the other is a MasterCard. I’m planning a road trip and have some Christmas shopping to do. I have a checking account with a local bank but they kinda suck when it comes to features. I ordered an American Express prepaid card, not because I really wanted Amex, but because it’s prepaid with no monthly fees and I don’t use it with an ATM so I’m not paying any fees. Why I really want to hang onto the prepaid is because I just like the feeling, when I buy something it’s paid for and not have to worry about paying the bill later. My idea was to keep a few hundred on it for some extra money for the holidays and the like, plus the funds aren’t connected to my main checking account so if there’s a problem it won’t effect the money I need to pay bills. Later I got talked into going with Bank of America and signed up for a checking account via eBanking. I can keep funds in the account to use with a debit card and they are also separate from my “emergency funds” at my local bank. Local bank is nice for when I want to use the window or need to get some quick cash.
Right now I don’t need anyone telling me I need a credit card because I have 2 and I don’t want to overuse them because I’m trying to improve my credit and if I put everything on them they’ll be maxed out. My plan is to wait for the bill, I think it comes Dec 8, so they both report to the credit bureaus then pay both in full. When possible I was wanted to use the prepaid Amex and BofA debit card to buy gas and pay for motel rooms on my trip. I’m also taking some cash but I could also use the BofA card to get cash if necessary. My credit cards will just kind of be the “back up” in case they refuse to rent me a room or something with my other 2 cards. There are tricks to getting around the holds put on debit cards like checking into a motel with a credit card and paying the final bill with a debit card or paying inside the station for gas.
My mom says this is all a stupid idea and I need to get it down to one credit card and one only. She also says I should just have one bank account at a local bank and drop the prepaid Amex like a bad habit. I realize the nearest BofA location is hundreds of miles from here, but I love the fact that I can use my phones camera to get a picture of checks and deposit them from wherever I am. I can be on the road and deposit checks as soon as I get them, not something I can do with my local bank, I have to go to the window when the bank is open to cash my checks.
What my mom said is if people agree with me that it’s perfectly fine to hold onto prepaid cards when you have 2 major credit cards, I can keep them, but if several people agree that I need to dump something, then I have to dump it. Does anyone see that it makes sense to hang onto 2 bank accounts (one distant eBanking) 2 credit cards and one prepaid card? My mom says there is a problem with my thinking and I need professional help, I really need to know who agrees and disagrees.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
I know the basics. Don’t eat out, shop in bulk, use coupons. How can I save cash? What is a christmas account? What kind of accounts can I open that will accumulate interest over a certain time, but I wouldn’t lose my cash. Any tips and ideas would greatly be appreciated.
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I’m working on getting my finances BACK together. Is it better to pay all of my bills on time with the minimum amount due or should I let one or two bills slide while I pay off others? The goal of course is to get rid of debt, but it will not happen as quickly if I pay everything at the minimum due monthly. Any suggestions…advice?
I’m working on getting my finances BACK together. Is it better to pay all of my bills on time with the minimum amount due or should I let one or two bills slide while I pay off others? The goal of course is to get rid of debt, but it will not happen as quickly if I pay everything at the minimum due monthly. Any suggestions…advice?
I am taking out a (new used) auto loan, no choice to wait, emergency situation. It’s a high interest now, but in about 3 months I will be able to pay off half of the purchase price. Does anyone know if this will lower my monthly payment when I send in this large payment? Or will I still have the same payment until the balance is paid off? I don’t know how these loans work. Thanks,
I know the basics. Don’t eat out, shop in bulk, use coupons. How can I save cash? What is a christmas account? What kind of accounts can I open that will accumulate interest over a certain time, but I wouldn’t lose my cash. Any tips and ideas would greatly be appreciated.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I am taking out a (new used) auto loan, no choice to wait, emergency situation. It’s a high interest now, but in about 3 months I will be able to pay off half of the purchase price. Does anyone know if this will lower my monthly payment when I send in this large payment? Or will I still have the same payment until the balance is paid off? I don’t know how these loans work. Thanks,
I currently have 2 major credit cards, one is a Visa and the other is a MasterCard. I’m planning a road trip and have some Christmas shopping to do. I have a checking account with a local bank but they kinda suck when it comes to features. I ordered an American Express prepaid card, not because I really wanted Amex, but because it’s prepaid with no monthly fees and I don’t use it with an ATM so I’m not paying any fees. Why I really want to hang onto the prepaid is because I just like the feeling, when I buy something it’s paid for and not have to worry about paying the bill later. My idea was to keep a few hundred on it for some extra money for the holidays and the like, plus the funds aren’t connected to my main checking account so if there’s a problem it won’t effect the money I need to pay bills. Later I got talked into going with Bank of America and signed up for a checking account via eBanking. I can keep funds in the account to use with a debit card and they are also separate from my “emergency funds” at my local bank. Local bank is nice for when I want to use the window or need to get some quick cash.
Right now I don’t need anyone telling me I need a credit card because I have 2 and I don’t want to overuse them because I’m trying to improve my credit and if I put everything on them they’ll be maxed out. My plan is to wait for the bill, I think it comes Dec 8, so they both report to the credit bureaus then pay both in full. When possible I was wanted to use the prepaid Amex and BofA debit card to buy gas and pay for motel rooms on my trip. I’m also taking some cash but I could also use the BofA card to get cash if necessary. My credit cards will just kind of be the “back up” in case they refuse to rent me a room or something with my other 2 cards. There are tricks to getting around the holds put on debit cards like checking into a motel with a credit card and paying the final bill with a debit card or paying inside the station for gas.
My mom says this is all a stupid idea and I need to get it down to one credit card and one only. She also says I should just have one bank account at a local bank and drop the prepaid Amex like a bad habit. I realize the nearest BofA location is hundreds of miles from here, but I love the fact that I can use my phones camera to get a picture of checks and deposit them from wherever I am. I can be on the road and deposit checks as soon as I get them, not something I can do with my local bank, I have to go to the window when the bank is open to cash my checks.
What my mom said is if people agree with me that it’s perfectly fine to hold onto prepaid cards when you have 2 major credit cards, I can keep them, but if several people agree that I need to dump something, then I have to dump it. Does anyone see that it makes sense to hang onto 2 bank accounts (one distant eBanking) 2 credit cards and one prepaid card? My mom says there is a problem with my thinking and I need professional help, I really need to know who agrees and disagrees.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I’m working on getting my finances BACK together. Is it better to pay all of my bills on time with the minimum amount due or should I let one or two bills slide while I pay off others? The goal of course is to get rid of debt, but it will not happen as quickly if I pay everything at the minimum due monthly. Any suggestions…advice?
It’s so nice to hear of what other people give of themselves this time of year (and all year actually). Maybe someone who wants to give something back to society will read your answer and be be inspired to give to your charity.
I pick a child’s name from the “gift tree”, invite people who are alone to share our holiday meal, volunteer at our local shelter and give cash to the Salvation Army and others. I ALWAYS have the feeling that it just isn’t enough, so I hope to find other ways to give through your answers.
PLEASE, only serious answers from the truly honest & amazing people on Answers who really care. This really isn’t a subject to make fun of. Thanks for understanding.
I know the basics. Don’t eat out, shop in bulk, use coupons. How can I save cash? What is a christmas account? What kind of accounts can I open that will accumulate interest over a certain time, but I wouldn’t lose my cash. Any tips and ideas would greatly be appreciated.
I know the basics. Don’t eat out, shop in bulk, use coupons. How can I save cash? What is a christmas account? What kind of accounts can I open that will accumulate interest over a certain time, but I wouldn’t lose my cash. Any tips and ideas would greatly be appreciated.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
It’s so nice to hear of what other people give of themselves this time of year (and all year actually). Maybe someone who wants to give something back to society will read your answer and be be inspired to give to your charity.
I pick a child’s name from the “gift tree”, invite people who are alone to share our holiday meal, volunteer at our local shelter and give cash to the Salvation Army and others. I ALWAYS have the feeling that it just isn’t enough, so I hope to find other ways to give through your answers.
PLEASE, only serious answers from the truly honest & amazing people on Answers who really care. This really isn’t a subject to make fun of. Thanks for understanding.
It’s so nice to hear of what other people give of themselves this time of year (and all year actually). Maybe someone who wants to give something back to society will read your answer and be be inspired to give to your charity.
I pick a child’s name from the “gift tree”, invite people who are alone to share our holiday meal, volunteer at our local shelter and give cash to the Salvation Army and others. I ALWAYS have the feeling that it just isn’t enough, so I hope to find other ways to give through your answers.
PLEASE, only serious answers from the truly honest & amazing people on Answers who really care. This really isn’t a subject to make fun of. Thanks for understanding.
I know the basics. Don’t eat out, shop in bulk, use coupons. How can I save cash? What is a christmas account? What kind of accounts can I open that will accumulate interest over a certain time, but I wouldn’t lose my cash. Any tips and ideas would greatly be appreciated.
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I currently have 2 major credit cards, one is a Visa and the other is a MasterCard. I’m planning a road trip and have some Christmas shopping to do. I have a checking account with a local bank but they kinda suck when it comes to features. I ordered an American Express prepaid card, not because I really wanted Amex, but because it’s prepaid with no monthly fees and I don’t use it with an ATM so I’m not paying any fees. Why I really want to hang onto the prepaid is because I just like the feeling, when I buy something it’s paid for and not have to worry about paying the bill later. My idea was to keep a few hundred on it for some extra money for the holidays and the like, plus the funds aren’t connected to my main checking account so if there’s a problem it won’t effect the money I need to pay bills. Later I got talked into going with Bank of America and signed up for a checking account via eBanking. I can keep funds in the account to use with a debit card and they are also separate from my “emergency funds” at my local bank. Local bank is nice for when I want to use the window or need to get some quick cash.
Right now I don’t need anyone telling me I need a credit card because I have 2 and I don’t want to overuse them because I’m trying to improve my credit and if I put everything on them they’ll be maxed out. My plan is to wait for the bill, I think it comes Dec 8, so they both report to the credit bureaus then pay both in full. When possible I was wanted to use the prepaid Amex and BofA debit card to buy gas and pay for motel rooms on my trip. I’m also taking some cash but I could also use the BofA card to get cash if necessary. My credit cards will just kind of be the “back up” in case they refuse to rent me a room or something with my other 2 cards. There are tricks to getting around the holds put on debit cards like checking into a motel with a credit card and paying the final bill with a debit card or paying inside the station for gas.
My mom says this is all a stupid idea and I need to get it down to one credit card and one only. She also says I should just have one bank account at a local bank and drop the prepaid Amex like a bad habit. I realize the nearest BofA location is hundreds of miles from here, but I love the fact that I can use my phones camera to get a picture of checks and deposit them from wherever I am. I can be on the road and deposit checks as soon as I get them, not something I can do with my local bank, I have to go to the window when the bank is open to cash my checks.
What my mom said is if people agree with me that it’s perfectly fine to hold onto prepaid cards when you have 2 major credit cards, I can keep them, but if several people agree that I need to dump something, then I have to dump it. Does anyone see that it makes sense to hang onto 2 bank accounts (one distant eBanking) 2 credit cards and one prepaid card? My mom says there is a problem with my thinking and I need professional help, I really need to know who agrees and disagrees.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I currently have 2 major credit cards, one is a Visa and the other is a MasterCard. I’m planning a road trip and have some Christmas shopping to do. I have a checking account with a local bank but they kinda suck when it comes to features. I ordered an American Express prepaid card, not because I really wanted Amex, but because it’s prepaid with no monthly fees and I don’t use it with an ATM so I’m not paying any fees. Why I really want to hang onto the prepaid is because I just like the feeling, when I buy something it’s paid for and not have to worry about paying the bill later. My idea was to keep a few hundred on it for some extra money for the holidays and the like, plus the funds aren’t connected to my main checking account so if there’s a problem it won’t effect the money I need to pay bills. Later I got talked into going with Bank of America and signed up for a checking account via eBanking. I can keep funds in the account to use with a debit card and they are also separate from my “emergency funds” at my local bank. Local bank is nice for when I want to use the window or need to get some quick cash.
Right now I don’t need anyone telling me I need a credit card because I have 2 and I don’t want to overuse them because I’m trying to improve my credit and if I put everything on them they’ll be maxed out. My plan is to wait for the bill, I think it comes Dec 8, so they both report to the credit bureaus then pay both in full. When possible I was wanted to use the prepaid Amex and BofA debit card to buy gas and pay for motel rooms on my trip. I’m also taking some cash but I could also use the BofA card to get cash if necessary. My credit cards will just kind of be the “back up” in case they refuse to rent me a room or something with my other 2 cards. There are tricks to getting around the holds put on debit cards like checking into a motel with a credit card and paying the final bill with a debit card or paying inside the station for gas.
My mom says this is all a stupid idea and I need to get it down to one credit card and one only. She also says I should just have one bank account at a local bank and drop the prepaid Amex like a bad habit. I realize the nearest BofA location is hundreds of miles from here, but I love the fact that I can use my phones camera to get a picture of checks and deposit them from wherever I am. I can be on the road and deposit checks as soon as I get them, not something I can do with my local bank, I have to go to the window when the bank is open to cash my checks.
What my mom said is if people agree with me that it’s perfectly fine to hold onto prepaid cards when you have 2 major credit cards, I can keep them, but if several people agree that I need to dump something, then I have to dump it. Does anyone see that it makes sense to hang onto 2 bank accounts (one distant eBanking) 2 credit cards and one prepaid card? My mom says there is a problem with my thinking and I need professional help, I really need to know who agrees and disagrees.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I’m working on getting my finances BACK together. Is it better to pay all of my bills on time with the minimum amount due or should I let one or two bills slide while I pay off others? The goal of course is to get rid of debt, but it will not happen as quickly if I pay everything at the minimum due monthly. Any suggestions…advice?
I’m working on getting my finances BACK together. Is it better to pay all of my bills on time with the minimum amount due or should I let one or two bills slide while I pay off others? The goal of course is to get rid of debt, but it will not happen as quickly if I pay everything at the minimum due monthly. Any suggestions…advice?
It’s so nice to hear of what other people give of themselves this time of year (and all year actually). Maybe someone who wants to give something back to society will read your answer and be be inspired to give to your charity.
I pick a child’s name from the “gift tree”, invite people who are alone to share our holiday meal, volunteer at our local shelter and give cash to the Salvation Army and others. I ALWAYS have the feeling that it just isn’t enough, so I hope to find other ways to give through your answers.
PLEASE, only serious answers from the truly honest & amazing people on Answers who really care. This really isn’t a subject to make fun of. Thanks for understanding.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I need something for my 15 year old son. It needs to be under $150 cause I’m short on cash. He loves to do exciting things and he is very athletic in sports. He also loves to read and hes always up for new things and he likes challenges. He smiles and tells me to save the money for emergencies and then gives me a hug. I need to give him one good Christmas. What can I get him?!! any help would be wonderful
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
It’s so nice to hear of what other people give of themselves this time of year (and all year actually). Maybe someone who wants to give something back to society will read your answer and be be inspired to give to your charity.
I pick a child’s name from the “gift tree”, invite people who are alone to share our holiday meal, volunteer at our local shelter and give cash to the Salvation Army and others. I ALWAYS have the feeling that it just isn’t enough, so I hope to find other ways to give through your answers.
PLEASE, only serious answers from the truly honest & amazing people on Answers who really care. This really isn’t a subject to make fun of. Thanks for understanding.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I am taking out a (new used) auto loan, no choice to wait, emergency situation. It’s a high interest now, but in about 3 months I will be able to pay off half of the purchase price. Does anyone know if this will lower my monthly payment when I send in this large payment? Or will I still have the same payment until the balance is paid off? I don’t know how these loans work. Thanks,
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I’m working on getting my finances BACK together. Is it better to pay all of my bills on time with the minimum amount due or should I let one or two bills slide while I pay off others? The goal of course is to get rid of debt, but it will not happen as quickly if I pay everything at the minimum due monthly. Any suggestions…advice?
i have 3 indoor kittens, about 4 months old, and they all some very yucky ears. i know i need to clean them but im not exactly sure how to and i don’t want to hurt them or mess up..i thought about getting it done professionally at petsmart. first of all, im not entirely sure if petsmart will even clean a cats ears. but if they do, would they still do it if my kittens haven’t had their shots? im 14 and ill have to pay for it myself and may i mention i cant afford to get their shots done so please do not lecture me
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I am all about immediate gratification. I love spending money on myself, my daughter or any loved ones (mainly my daughter). How do I make a budget for myself and actually keep it. I’m horrible with money so just telling myself to Stick To It is not an option. It won’t work…please, help?
Thank u. That was extremely helpful!
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I currently have 2 major credit cards, one is a Visa and the other is a MasterCard. I’m planning a road trip and have some Christmas shopping to do. I have a checking account with a local bank but they kinda suck when it comes to features. I ordered an American Express prepaid card, not because I really wanted Amex, but because it’s prepaid with no monthly fees and I don’t use it with an ATM so I’m not paying any fees. Why I really want to hang onto the prepaid is because I just like the feeling, when I buy something it’s paid for and not have to worry about paying the bill later. My idea was to keep a few hundred on it for some extra money for the holidays and the like, plus the funds aren’t connected to my main checking account so if there’s a problem it won’t effect the money I need to pay bills. Later I got talked into going with Bank of America and signed up for a checking account via eBanking. I can keep funds in the account to use with a debit card and they are also separate from my “emergency funds” at my local bank. Local bank is nice for when I want to use the window or need to get some quick cash.
Right now I don’t need anyone telling me I need a credit card because I have 2 and I don’t want to overuse them because I’m trying to improve my credit and if I put everything on them they’ll be maxed out. My plan is to wait for the bill, I think it comes Dec 8, so they both report to the credit bureaus then pay both in full. When possible I was wanted to use the prepaid Amex and BofA debit card to buy gas and pay for motel rooms on my trip. I’m also taking some cash but I could also use the BofA card to get cash if necessary. My credit cards will just kind of be the “back up” in case they refuse to rent me a room or something with my other 2 cards. There are tricks to getting around the holds put on debit cards like checking into a motel with a credit card and paying the final bill with a debit card or paying inside the station for gas.
My mom says this is all a stupid idea and I need to get it down to one credit card and one only. She also says I should just have one bank account at a local bank and drop the prepaid Amex like a bad habit. I realize the nearest BofA location is hundreds of miles from here, but I love the fact that I can use my phones camera to get a picture of checks and deposit them from wherever I am. I can be on the road and deposit checks as soon as I get them, not something I can do with my local bank, I have to go to the window when the bank is open to cash my checks.
What my mom said is if people agree with me that it’s perfectly fine to hold onto prepaid cards when you have 2 major credit cards, I can keep them, but if several people agree that I need to dump something, then I have to dump it. Does anyone see that it makes sense to hang onto 2 bank accounts (one distant eBanking) 2 credit cards and one prepaid card? My mom says there is a problem with my thinking and I need professional help, I really need to know who agrees and disagrees.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I hate living paycheck to paycheck,I think i’m paid very well,and I only have a savings account but to tell the truth not alot of saving goes on there.I always feel like I should have a whole lot of extra cash to play with.I’m not much of a splurger,I dnt have any type of loan payments or credit card but I pay $500 every 4 weeks for the place where I stay and I get paid every 2 weeks so cash availability becomes a bit confusing. Why do my pockets feel so empty all the time?I have a budget but it’s hard to stick too unexpected things always happen.I’m tryna work on a lot of projects gettin my first car tryna figure out how investmesnts work need money for Christmas holidays etc….takin a lady friend out all calls for $. I’m just a young guy tryna get a chokehold on life and money while I’m young so I could also enjoy life to the fullest at my age.I’m 20 yrs old.this whole week I starved becuz I had no money for food or trans.. I never wanna get to that point in my life again making the kind of money I make. Help please be specific as possible thank u answers greatly appreciated !. Clark Howard if you’re out there help pleez
I currently have 2 major credit cards, one is a Visa and the other is a MasterCard. I’m planning a road trip and have some Christmas shopping to do. I have a checking account with a local bank but they kinda suck when it comes to features. I ordered an American Express prepaid card, not because I really wanted Amex, but because it’s prepaid with no monthly fees and I don’t use it with an ATM so I’m not paying any fees. Why I really want to hang onto the prepaid is because I just like the feeling, when I buy something it’s paid for and not have to worry about paying the bill later. My idea was to keep a few hundred on it for some extra money for the holidays and the like, plus the funds aren’t connected to my main checking account so if there’s a problem it won’t effect the money I need to pay bills. Later I got talked into going with Bank of America and signed up for a checking account via eBanking. I can keep funds in the account to use with a debit card and they are also separate from my “emergency funds” at my local bank. Local bank is nice for when I want to use the window or need to get some quick cash.
Right now I don’t need anyone telling me I need a credit card because I have 2 and I don’t want to overuse them because I’m trying to improve my credit and if I put everything on them they’ll be maxed out. My plan is to wait for the bill, I think it comes Dec 8, so they both report to the credit bureaus then pay both in full. When possible I was wanted to use the prepaid Amex and BofA debit card to buy gas and pay for motel rooms on my trip. I’m also taking some cash but I could also use the BofA card to get cash if necessary. My credit cards will just kind of be the “back up” in case they refuse to rent me a room or something with my other 2 cards. There are tricks to getting around the holds put on debit cards like checking into a motel with a credit card and paying the final bill with a debit card or paying inside the station for gas.
My mom says this is all a stupid idea and I need to get it down to one credit card and one only. She also says I should just have one bank account at a local bank and drop the prepaid Amex like a bad habit. I realize the nearest BofA location is hundreds of miles from here, but I love the fact that I can use my phones camera to get a picture of checks and deposit them from wherever I am. I can be on the road and deposit checks as soon as I get them, not something I can do with my local bank, I have to go to the window when the bank is open to cash my checks.
What my mom said is if people agree with me that it’s perfectly fine to hold onto prepaid cards when you have 2 major credit cards, I can keep them, but if several people agree that I need to dump something, then I have to dump it. Does anyone see that it makes sense to hang onto 2 bank accounts (one distant eBanking) 2 credit cards and one prepaid card? My mom says there is a problem with my thinking and I need professional help, I really need to know who agrees and disagrees.
I (with my wife) will be making about $100k a year. I plan on tithing 10% and then taxes will take another 30%. But that still leaves $60k. What is a reasonable budget for a year’s living expenses for a married couple with no kids in a townhouse? And witht the rest, should I pay off loans, start a savings account, buy a house, start an IRA, etc? And how much should I put in each one?
I know the basics. Don’t eat out, shop in bulk, use coupons. How can I save cash? What is a christmas account? What kind of accounts can I open that will accumulate interest over a certain time, but I wouldn’t lose my cash. Any tips and ideas would greatly be appreciated.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
I know the basics. Don’t eat out, shop in bulk, use coupons. How can I save cash? What is a christmas account? What kind of accounts can I open that will accumulate interest over a certain time, but I wouldn’t lose my cash. Any tips and ideas would greatly be appreciated.
I am all about immediate gratification. I love spending money on myself, my daughter or any loved ones (mainly my daughter). How do I make a budget for myself and actually keep it. I’m horrible with money so just telling myself to Stick To It is not an option. It won’t work…please, help?
Thank u. That was extremely helpful!
It’s so nice to hear of what other people give of themselves this time of year (and all year actually). Maybe someone who wants to give something back to society will read your answer and be be inspired to give to your charity.
I pick a child’s name from the “gift tree”, invite people who are alone to share our holiday meal, volunteer at our local shelter and give cash to the Salvation Army and others. I ALWAYS have the feeling that it just isn’t enough, so I hope to find other ways to give through your answers.
PLEASE, only serious answers from the truly honest & amazing people on Answers who really care. This really isn’t a subject to make fun of. Thanks for understanding.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I am taking out a (new used) auto loan, no choice to wait, emergency situation. It’s a high interest now, but in about 3 months I will be able to pay off half of the purchase price. Does anyone know if this will lower my monthly payment when I send in this large payment? Or will I still have the same payment until the balance is paid off? I don’t know how these loans work. Thanks,
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I know the basics. Don’t eat out, shop in bulk, use coupons. How can I save cash? What is a christmas account? What kind of accounts can I open that will accumulate interest over a certain time, but I wouldn’t lose my cash. Any tips and ideas would greatly be appreciated.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
It’s so nice to hear of what other people give of themselves this time of year (and all year actually). Maybe someone who wants to give something back to society will read your answer and be be inspired to give to your charity.
I pick a child’s name from the “gift tree”, invite people who are alone to share our holiday meal, volunteer at our local shelter and give cash to the Salvation Army and others. I ALWAYS have the feeling that it just isn’t enough, so I hope to find other ways to give through your answers.
PLEASE, only serious answers from the truly honest & amazing people on Answers who really care. This really isn’t a subject to make fun of. Thanks for understanding.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I’m working on getting my finances BACK together. Is it better to pay all of my bills on time with the minimum amount due or should I let one or two bills slide while I pay off others? The goal of course is to get rid of debt, but it will not happen as quickly if I pay everything at the minimum due monthly. Any suggestions…advice?
I’m working on getting my finances BACK together. Is it better to pay all of my bills on time with the minimum amount due or should I let one or two bills slide while I pay off others? The goal of course is to get rid of debt, but it will not happen as quickly if I pay everything at the minimum due monthly. Any suggestions…advice?
Help, I need to change from Vodafone who won’t renew my current good deal. Currently I pay £7 including VAT a month for 75 mins of calls and about 50 texts but I never use them – I really only the phone for emergencies but don’t want to go on Pay as you Go since it doesn’t have international access. So, can anyone tell me which is the best contract deal for me, partiucularly as I don’t need an upgraded phone and am happy to keep my current one – I am relying on you guys to tell me what’s best. Many thanks.
Don’t want Pay as you go since it doesn’t give me the international access that I need – so I have to look for a contract deal.
I know the basics. Don’t eat out, shop in bulk, use coupons. How can I save cash? What is a christmas account? What kind of accounts can I open that will accumulate interest over a certain time, but I wouldn’t lose my cash. Any tips and ideas would greatly be appreciated.
I am taking out a (new used) auto loan, no choice to wait, emergency situation. It’s a high interest now, but in about 3 months I will be able to pay off half of the purchase price. Does anyone know if this will lower my monthly payment when I send in this large payment? Or will I still have the same payment until the balance is paid off? I don’t know how these loans work. Thanks,
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I’m working on getting my finances BACK together. Is it better to pay all of my bills on time with the minimum amount due or should I let one or two bills slide while I pay off others? The goal of course is to get rid of debt, but it will not happen as quickly if I pay everything at the minimum due monthly. Any suggestions…advice?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
It’s so nice to hear of what other people give of themselves this time of year (and all year actually). Maybe someone who wants to give something back to society will read your answer and be be inspired to give to your charity.
I pick a child’s name from the “gift tree”, invite people who are alone to share our holiday meal, volunteer at our local shelter and give cash to the Salvation Army and others. I ALWAYS have the feeling that it just isn’t enough, so I hope to find other ways to give through your answers.
PLEASE, only serious answers from the truly honest & amazing people on Answers who really care. This really isn’t a subject to make fun of. Thanks for understanding.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
I pay for most things with my credit card and then basically dump all my paychecks towards my card at the end of the month. This used to work out fine but I gradually started spending more without realizing it because with a rolling card balance I never actually see concrete “earned” vs. “spent” numbers. Currently I have a balance of several thousand dollars on my credit card.
I would like to put together a spreadsheet or book of spreadsheets in Microsoft Excel 2010 (which I have already anyway) that can keep track of my finances and help me gradually get out of debt. Eventually I would like to have one of these that incorporates my girlfriend’s finances as well but we are not quite at that point in our relationship yet and I would of course like to erase my debt before we start sharing financial details!
The biggest obstacle that I can’t get around is that everything seems to vary from month to month. My pay is fairly consistent as I am paid hourly and consistently have 40 hours per week but I also receive labor surplus bonuses that can vary from $50 all the way to several hundred dollars (these bonuses are ~monthly). Some of my bills are monthly and others like my car insurance I pay once every six months in one large lump sum. Still other bills, like my energy bill varies from $60 up to $180 seasonally based on the temperature outside.
I’m not sure how to organize a spreadsheet around this data and use it as an effective tool towards my future finances. The only thing that I can think to do is record ALL of my bills and spending transactions along with my pay, organize it chronologically by week or month, sum it up, and then just track the HISTORY and hopefully see where there is opportunity for spending cuts and react accordingly.
Any suggestions, tips, resources (pre-made templates, etc.) are appreciated in advance. Thanks much.
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
I (with my wife) will be making about $100k a year. I plan on tithing 10% and then taxes will take another 30%. But that still leaves $60k. What is a reasonable budget for a year’s living expenses for a married couple with no kids in a townhouse? And witht the rest, should I pay off loans, start a savings account, buy a house, start an IRA, etc? And how much should I put in each one?
I’m working on getting my finances BACK together. Is it better to pay all of my bills on time with the minimum amount due or should I let one or two bills slide while I pay off others? The goal of course is to get rid of debt, but it will not happen as quickly if I pay everything at the minimum due monthly. Any suggestions…advice?
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
I have been dating my boyfriend for 4 months (5 in almost a week) and really wanted to get him something for Christmas. At first I didn’t know what to get him considering I don’t know what a 17 year old would enjoy until I gave up and confronted him about it. He wanted a band jacket. I didn’t have much birthday money left after buying my family their Christmas presents, and I’m 15 so a job wasn’t an option . Anyways I had to use some if my emergency cash( if my straightener broke, new head phones, etc.) to buy him something. Anyways I couldn’t shop online because my parents would know I bought something for a guy, and well.. I’m not allowed to date. So I decided to tell my dad it was secret Santa with my friends and I had got my best guy friend. Anyways my boyfriend was suppose to get me something as we both had told each other what we wanted. But the day came to give him his gift and he had not gotten me anything. I didn’t really feel disappointed because I know he isn’t doing well economically. He even admitted who couldn’t really get me anything, but I didn’t mind because I just wanted the gift to express I cared very much for him. Well the problem is since I wasted every cent I had left on his present and didn’t get anything in return my dad is now complaining why I bought a fairly expensive gift for someone who didn’t give me anything in return and why I don’t really care. So my question is, Is there something I can do to make it look like I received a gift in return? Like show him an old shirt he hasn’t seen before? Or show an old gift card of some sort? I apologize the question is complicated to understand.
Yes I understand that I should tell my about my relationship but its not that easy, I have had this conversation with my dad before but they still didn’t approve. I don’t think it’s so wrong to be naturally curious about the other gender(and I don’t mean sexually) and well my guy bestfriend and I have been friends since 6th grade( I’m currently in 10th) and my dad has met him more than a couple of times so he doesn’t distrust him or anything plus he’s met her girlfriend( she’s my bestfriend too) so I don’t think it would be weird but thank you for the current ideas and advice. Oh and also I’m not very bugged about him not returning a gift because I normally buy things out of the random and just give them to my friends for my birthday I don’t usually get anything and Christmas I don’t receive much as well so I’m used to the idea of not receiving. I guess you could say I live by giving not receiving lol
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?
So you got these middle age people who complain and complain about there minimum wage job/crappy job. The part that gets me is anybody can go to college and if your “poor” you can get a student loan……So if you had the perfect oppurtunity then why not go? I’m a teenager and dont want to be working in a factory for the rest of my life and I know for a fact I can afford college and I’m going. Do you think I’ll be safe?