Saturday, February 14, 2009

How can I save money

I am currently in debt 10 K. 7000 is from my student loan,1500 is from the lap top I needed for school,1500 is miscellaneous debt on credit cards. I will be done school in 5 months and will attain a full time job and will be able to pay down this debt. But until then I need help trying to save money.I love to shop, eat out, go to movies and just spend recklessly. Any suggestions on how to stop spending to inappropriately.
      Answer1:I cant help you not spend money, but this is a great way to make extra money if youre interested:http://makeextracash.tk/Basically what you do is take 2-5 minute surveys and offers. Totally free no credit card needed, no social security, no personal information. There are members that make anywhere from $20 a month to $2000. Ive been paid seven times already. Check is guaranteed to come every month.
      Answer2:Dont carry your debit/credit card around with you. Write down your daily expenses and check your statements to see how much you are spending on things. Always make lunch at home and take it to work/school instead of eating out (thats a huuuge one when you add it up for every day of the month). And whenever youre bored and thinking of what to do, hang out at a friends house, go running/biking, or find something to do that doesnt involve spending money.
      Answer3:I have one account with my bank that I cannot access with any card of mine. (only by going online or into a bank making it harder to get access too if I wanted to spend it randomly)Every time I get any money I deposit a certain amount into that account and forget about it. I then take another specific amount of money (generally around 100$) in CASH and thats my spending money for stupid things I want to do such as movies, or buying a coffee at starbucks.My credit cards and debit cards I only keep on me for bigger things like grocery shopping or gas for the car or emergencies.This lets me:1) SAVE money in that account2) limit my reckless spending money by ONLY have that certain cash amount3) Be more responsible with my money
      Answer4:Give yourself a six-month moratorium on spending. Make it a game, and see how low you can get your expenses. Keep a budget book, so you can see where your money is going, and how you can cut it.Come up with creative alternatives to going out and going to movies. Like, have a V-Day movie night with rented videos, homemade popcorn, and lots of friends! Or St. Patricks Day can be all about listening to various Irish music CDs and learning to clog. You can turn your own beer green, too (-:.Whatever you do, try and get that credit card debt paid off before you even start work. Thats just dangerous. I would even get a part-time job, just to get that paid down. After all, you dont know for sure theres a job waiting for you after you graduate.If worst comes to worst, you might be able to make a little money writing a magazine article about your experiences during your Thrifty Six Months. (-: Or even get a book out of it. Just be sure and keep a diary, and keep a strict accounting of how much you earn and how much you spend.And remember, this self-induced deprivation is only for a little while; six months is nothing in the grand scheme of things.Good luck!
      Answer5:I was also very intense like you previous days,and i started searching online to make some money but i was not having very good results then after a struggle of a week i reached a place,it was amazingly satisfying my needs of daily spendments and i was making more then 5000$/month @ http://classifiedo.com/livejobs.html for free without any investment and i know how it feels to have 5687$ in hands.(So, Good luck and have nice earnings there)

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