Pula's home budgeting & personal finance

Nickname: Pula           Budgeting Since: 01/05/2009 Budeting tips, how Pula is saving money: Stay home The most stupid spending on Pula personal budget: Loans and Credit Cards Parris Family: throw away the credit cards and use cash ! You can't go wrong with good ol cash.  06/09/2010 20:59 pavanblack: destroy your credit card...  30/07/2010 14:29 Ambra: Refinance  16/05/2010 21:30 success: cut up cards. pay cast or don't purchase.  29/04/2010 07:30 dr chex: Cut up the cards and use Dave Ramsey's debt snowball   17/04/2010 06:45 Leanbh: Start with the smallest balance (cc or loan) and put all available funds into that one. Once that is paid off, then move onto the next smallest balance and add what you paid on debt #1 with what you are paying on debt #2 until that is paid off. It's called snowballing so you feel great having one paid off and then have gusto towards paying off the next and so on. Easier to do smallest balance first as it's paid off quicker so you are more enthusiastic about it.  15/04/2010 07:45 VeganCheapo: duh  06/04/2010 09:27 beth: Consolidate, scale down, take an extra job, stop shopping! It's taken us 5 years to eliminate our debt, but we're almost reached our goal of living on a cash only basis. When you don't have loans and credit payments you usually have enough cash to live w/o loans and credit. We did. Good luck.  01/04/2010 22:32 KevBro: You have a sickness called I WANT MORE - ask God for relief  10/03/2010 03:25 Patricia: stop paying and close cards out... get settlments.   05/03/2010 10:00 gunhocock: cigarettes  23/02/2010 00:16 Haivo: Use only one credit card and pay at time  21/02/2010 00:25 gottasave: Using to compensate income only to make it out come.  19/02/2010 20:59 nettie: cut them up or leave them at home when you think you might be tempted  16/02/2010 09:25 laur: cut up the credit cards and stop using them for phone orders do not take out any more loans no matter how desperate you think your life is.  11/02/2010 21:13 shelley: Bankruptcy  08/02/2010 10:10 Budget2010: just have one credit card and get rid of the rest. Seriously everyone want to live the rich life but it is no fun to go bankrupt and go homeless.  08/02/2010 01:59 budget: consolidate  07/02/2010 07:11 Soni: start doing a part time job just to clear off debts.  30/01/2010 21:24 Wameyo: Try living within your means  28/01/2010 02:20 Anita: spend only what you have  11/01/2010 21:46 k.little90: Cut up your credit cards. they are no good and will only get you deeper and deeper into debt. Put aside a specific amount a month that you would like to pay back to your loans. you could even get your loans consolidated through a company.  07/01/2010 08:29 k.little90: Cut up your credit cards. they are no good and will only get you deeper and deeper into debt. Put aside a specific amount a month that you would like to pay back to your loans. you could even get your loans consolidated through a company.  07/01/2010 08:28 laurie: stop and use direct debit to pay a little bit more off when due  04/01/2010 09:22 miky: yes  26/12/2009 01:15 jones: credit cards  18/12/2009 08:49 leici: pay them off.  14/12/2009 03:33 liddy17: look at consolidating, cut up credit cards  10/12/2009 08:56 rrcifel: pay cash more often   28/11/2009 01:16 Peter: Chapter 7  22/11/2009 20:16 diana: nonessentials  20/11/2009 19:53 peaches: iva or debt management  19/11/2009 01:48 matt: pay of quiker than contract term.  04/11/2009 12:21 matt: pay of quiker than contract term.  04/11/2009 12:21 smate: dont use your creidt cards and get no loans   26/10/2009 07:06 Jasmine: call the bank to investigate consolidating the loans and credit cards for one payment  03/10/2009 19:11 babygirl: only buy what you can afford, sacrifice, get the credit card paid off, at this point you are only paying the minimum and the interest will keep you in debt.  29/09/2009 20:07 meggan: consolidate.. only pay one loan.   24/09/2009 19:45 jaras76: Identiry your loan/credit card with the highest balance/interest rate and pay extra on that one every month. Pay the minimum amount due on all the others until the highest one is paid off, then begin again. Store credit cards in a safe place, don't carry them with you.  11/09/2009 16:49 dee: STOP AND GET YOUR FINANCES UNDER CONTROL, GET ON A BUDGET, CUT UP THE CREDIT CARDS   08/09/2009 20:00 Hallowheart: GET RID OF THE CARD(S)!  08/09/2009 18:53 Finkles: pay back whatever you can whenever you can  04/09/2009 01:19 Hallowheart: Get rid of the credit card.  03/09/2009 18:24 diva: pay more than the min payment  30/08/2009 04:32 Erica: CCCS Please contact CRS FInancial services for a free consultation 888-492-7283.  17/07/2009 23:12 lala: PAY THEM OFF AND DONT GET ANY MORE  15/07/2009 10:20 broke: stop using credit cards ,hope you can pay them off  08/07/2009 04:36 jjnkx: keep low balance on credit cards! keep a budget. you could do it!  07/07/2009 03:04 amystamper: quit smoking  02/07/2009 03:49 Amanda: I have a credit card that everytime it has anything avaliable on it I spend it or go over the limit.  25/06/2009 20:17 paying off debt  18/06/2009 17:04 liline: try paying the one with most charges, cut all credit card leave at least one.  06/06/2009 16:21 loads  19/05/2009 21:10 pattie wagon: cut up your credit cards....  17/05/2009 19:00 hubabuba: Dave Ramsey say's to cut the credit cards up.   07/05/2009 00:59 loans and credit cards  05/05/2009 03:37 make cuts elsewhere to pay off debt quicker, don't buy on credit anymore chop up the plastic  05/05/2009 02:50 Pula Money Saving Tips: joel: i bought a camera to my ex for his ... Pula: Loans   01/05/2009 20:42 More users are budgeting and saving money on credit card: Henrik S R: use cash, dont take the credit card if i dont have to, drive the bike to work (when its not to cold) , skip starbucks guy: stop using credit card, only cash , go shopping once a week, invite friends to our house - don't go out Sbu: if something is not in my budget, i stay away from it totally!!! Have a no credit card, if must its limit shuld be at least 30% of your montly income. try to buy things that will last longer especially with home content, ( quality ) so 2 say. I try to budget but I'm not that succdessful. I've started leaving all my bank cards and credit cards at home More budgeting tips: Saving money on credit card More users are budgeting and spending money on credit card: Hank: overdraft bank fees, late/over limit fees on credit cards, things we don't need, etc. cammy: cigarettes, credit card interest Laurenn33: Credit card interest!!! Sparkygirl: Loans and credit cards. Kids wants. More bad spending habits: credit card, Cigarettes

Budgeting & credit card Leave the credit card at home Take only the cash you need Do everything to avoid credit interest Look for credit card with no fees Free budgeting & credit card links: Save Money on Your Credit Cards     Good Debt vs. Bad Debt     With Credit Cards, Being a Deadbeat is a Good Thing     Choosing a credit card     What debt to pay off first     Five Spending Habits That Lead To Debt     Request your free annual credit report     Understanding Credit Card Interest      Budgeting Successfully     Financial Software Review     Family Savings & Budgeting Savings account is empty? High interest savings account Getting out of debt - Debt calculator How to budget - Budgeting successfully More Savings & Budgeting Credit Card, Cigs, Alcohol, Movies, Shopping, Gas, Cosmetics, Books, Loans, Gambling , Insurance , Debt , Loans , College , Overdraft

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