cammy's home budgeting & personal finance

Nickname: cammy           Budgeting Since: 21/06/2009 Budeting tips, how cammy is saving money: only buy what I need and look for bargains The most stupid spending on cammy personal budget: cigarettes, credit card interest teamallen: I quit smoking almost 3 years ago and have saved my family over $3k! It was the hardest thing I ever done but let me tell you - it is soooo worth it.  25/03/2010 02:35 susieq: I not only cut up my credit cards, but cancelled them so there is no temptation.  20/03/2010 07:54 mike.8886@yahoo.com: Research Electric Cigarettes over the next few weeks and decide if they are right for you. Take your credit cards, Find a paper shredder, and cut them up. Use the Saved money from Cigarettes, and put it towards the debt. Same amount of money, you still get to smoke, (and healthy), and you'll start your climb out of the hole.  10/03/2010 09:14 Dell: Aany Cab  21/02/2010 00:08 sweetlady: i dont uses credit card.if i dont have the money than i dont need it  19/02/2010 09:21 crystal: stop smoking is obviously the quickest way to hold on to money, but it's hard... Look online you can find them sometimes $10 cheaper, Talk to a debt consolidator, see if they could help with the credit companies. Just read small print... sometimes they can make it worse.  19/02/2010 07:57 meatloafkend: Can't tell you much about cigarettes, but call your credit card companies and ask for a rate reduction.  15/02/2010 04:17 DumbfoundBob: quit smoking and spending  09/02/2010 17:18 butter: try reducing the amount that u smoke per day and /or seek a patch or gum to end your need for nicotine, can be costly at this moment in time but within a month or so u will b saving plenty, if you have more than one card u can either contact the card company and freeze the card and pay of the debt or try to get ur interest rate lowered, the pre pay cards offered today are far better for those of us who love that plastic card, or even sticking with a debit card--works great for me.  04/02/2010 21:22 mominjesus: You tell me, I am a mom of five kids. I think I have cut back on everything. Now where?  03/02/2010 15:44 Look at your budget and decide where you can cut back and get them cards paid off. Priority!  03/02/2010 05:45 katie: STOP SMOKING!!!  02/02/2010 02:23 Gabi: stop the magazine spending, stop spending of coffee. Bring your own popcorn to the theaters.   01/02/2010 23:02 Budget: Quit smoking and pay off credit cards every month.  31/01/2010 01:46 Exile: Regarding credit card interest, if your credit is in good standing you can call the credit card companies directly and ask for a reduction in the interest rate. I was SHOCKED at how easy this was to do and that my interest rates were reduced dramatically.   23/01/2010 05:00 flacuchiz: eating out  19/01/2010 07:09 violet908: try to cut back  17/01/2010 21:33 robbie: STOP smoking!! The price of cigarettes could buy you a fantastic wardrobe plus health too  14/01/2010 00:51 Helen: go and see a hypnotherapist to stop smoking if youve tried all the other suggestions and found it difficult. It really is easy to do with Hypnosis and really gets things into perspective for you as an individual  07/01/2010 19:41 ROSLYN : stop smoking, reduce credit card  05/01/2010 14:50 nature7: i quit smoking 3 weeks ago and I really see that I do have more money left over after bills and entertainment ...   04/01/2010 14:07 Milly: How do you stop feeling like your only working to pay bills so you don't pay bills and spend on yourself then feel good untill the over due bill comes   02/01/2010 15:56 richard: put a picture (wallet size) in ur pack of cigs of your kid/kids. slide it between the plastic and pack...wen u go to take a smoke u will see the picture and hopefully cut down and eventually quit.  01/01/2010 19:27 tuvio2: Quit smocking, cut the cards in half  31/12/2009 06:38 wackaday: quit smoking  12/12/2009 00:33 wackaday: quit smoking  12/12/2009 00:33 awesome: onl  10/12/2009 13:42 quit eatin out  09/12/2009 22:02 SSASHWORTH: The key is to stop thinking of smoking as moral failure (a choice you make) and begin to treat it as what it is - an addiction to nicotine. Join a 12-step program, seek a de-tox facility, develop a support group. Not only your pocketbook but your body will thank you.  04/12/2009 01:54 Ana and Joe's Budge: stop smoking  02/12/2009 17:37 jeremiah: i quit one day just because i was fed up with it! it can be done Although i did start back up 2 yrs later that was my choice  30/11/2009 21:19 john: credit card intrest  30/11/2009 18:48 millsn14: Cigareettes   24/11/2009 14:11 jacobyfreak: you say quit smoking like it is as easy as that it isn't I am sure most smokers wish they could go back in time and never smoke that first cigarette but it aint that easy i know people you have quit 20 years ago who still crave one now n then don't judge or say just quit like it is that easy but i agree cutting down is a great way to start n save  16/11/2009 03:59 cubanfish@hotmail.co: stop smoking  15/11/2009 15:56 adri: try and cut back on your daily cigarette smoking little by little as far as packs  12/11/2009 01:29 dreamer854: quit smoking, use debt consolidation  10/11/2009 19:59 LIEGH: MAKE A LIST. SHOP THE ISLES AT THE GROCERY STORE  03/11/2009 01:05 kimlouise: fags  27/10/2009 02:37 ivan: debt  24/10/2009 05:19 nrowl22: Live on cash - take all of it out of your bank when you get paid. This also will help with overdraft fees if a mistake is accidently made. If you need to pay something buy credit buy a pre-paid credit card.  23/10/2009 00:23 nrowl22: Eat out take out food way too much!  23/10/2009 00:18 nrowl22: Eat out take out food way too much!  23/10/2009 00:18 Leighton: quit smoking  21/10/2009 06:55 chris: Quit smoking!  03/10/2009 15:56 malenkaja: For those trying to quit smoking: Take advantage of a free cessation service - 1-800 - QUITNOW.   28/09/2009 13:22 jonkerjr: get a low interest loan to help pay off the credit card and then cancel te card. Or at least greatly reduce your limit on the card.  25/09/2009 21:05 mel: cigarettes, dining out, credit card debt  25/09/2009 01:51 meggan: get one big loan and pay all the crefit cards off that way your only paying interest on one thing instead of a few things. and then get a debit credit card incase you need it for online puchases  24/09/2009 19:42 Brittany: I'm trying to quit smoking too. And I'm already too afraid of credit cards to even get one. If you don't have the money for it now, you don't need it.   24/09/2009 06:30 cat_john8: see if you qualify for free stop smoking help and look around for a new credit card deal with some time interest free when you transfer the balance  22/09/2009 18:42 aleyce: Smoking  12/09/2009 20:27 Cat: stop smoking.... refinance your card...  12/09/2009 08:20 deeje: STOP SMOKING  10/09/2009 18:11 wafiyah: quit both no smokes no credit cards   10/09/2009 02:25 edrhoades85: Im not going to Neh-say your smoking not everyone wants to, nor are they ready to quit. It's a hard habit to kick! but you can try switching to hand rolled cigarettes. i know it sounds like a pain in the butt. However with a rolling machine or stuffing machine you can roll better tasting, less chemical containing, filtered cigs for hundreds even thousands less than what you pay for pre packaged. or just look for whatever is on sale i know several times i have bought cigs on buy one get one free. Also if you can start saving money on cigs you can add that little extra you save to your Credit Card Payments you would be surprised how much of a difference even 25 extra bucks a payment can make on your principal.  10/09/2009 01:41 phy: Not really I would say stop smoking but I know it harder then it seems I cant really relate cause I dont smoke. Well maybe at least cut down on the amount of cigarettes you do smoke.  09/09/2009 20:02 Helena: Seek out lower credit card rates, transfer your balance, and cut up the card. Only pay with cash. You're using your card like it's cash and it's getting you into a world of trouble.  09/09/2009 00:49 gina22: Get on a quit smoking medication ... yah it cost a bit of money ... but it is worth it in the long run ... and it is still cheaper then smoking when on the meds ... and they work .. .i did them and i couldnt quit for the life of me... and finally went to the docs and got some proper medication ... and i have been smoke free for 3 months and dont even have an itch to pick one up .... and i was a smoker for 10 yrs  06/09/2009 04:28 eternal: Don't smoke, Pay off smallest credit card 1st then others. Don't put anymore on them.  02/09/2009 04:39 Luis: quit smoking, stop spending  02/09/2009 03:43 illise: cigs will kill you credit cards are dumb  01/09/2009 19:05 Pay only with cash, leave the debit/credit card at home. Save money in envolopes for your expenses each month.  26/08/2009 10:52 chasity: my hubby smokes so much and he is supposed to quit but doesnt. i hope that seeing how much he spends on it will make him quit from disgust?  23/08/2009 23:18 michelle: stop spending on cigs  23/08/2009 22:44 Baby_Pet: See your doctor about smoking cessation ideas and whatever money you save from not smoking, put it towards clearing your credit card debt! :)  22/08/2009 01:25 mapetit: no smoking is not onyl good for health, but also for wallet, and try to suscribe to a low rate interest card or transfer to line of credit with lower rate  19/08/2009 21:04 mrbroke90: try and save money in cash  07/08/2009 02:15 BabyGurl1923: if you do get a credit card in the mail throw it out or even cut it into little pieces  03/08/2009 19:51 BabyGurl1923: quit on your smoking  03/08/2009 19:50 filrosa: credit card interst, cigarettes  24/07/2009 04:24 X77: pay the credit card asap, don't drag it. this way you'll pay less interest  18/07/2009 23:21 What made you want to use a budgeting software (personal budget planner): cammy: I need help to track my spending, It helps to see it in black and white 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. Pula: Loans and Credit Cards 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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