madeinchina's home budgeting & personal finance

Nickname: madeinchina           Budgeting Since: 23/07/2009 Budeting tips, how madeinchina is saving money: I don't. That's why I need help. The most stupid spending on madeinchina personal budget: overdraft fees and late payments... Valove: Set up an automatic banking where your bills get paid when you get paid......You'll save a lot of money on overdraft and you'll won't have the stress of not knowing if you paid your bills.  02/08/2010 20:48 pavanblack: set reminders and stick to them at any cost  30/07/2010 14:28 twbigdogsgirl: If it is not in your account, do not spend it. Just pretend it isn't there. (My problem, too!) Pay bills online or have it taken directly from your account to avoid late charges.  14/07/2010 15:03 mommie: pay everything cash and disable your check card  31/05/2010 23:32 seguinfamily: change banks  15/05/2010 00:08 hyness: cut down on over spending  29/04/2010 13:26 Precious: TRY TO CHECK THE BALANCE ON YOUR ACCOUNTS BEFORE MAKING ANOTHER MONETARY COMMITMENT. LATE PAYMENTS FEES CAN BE ELIMINATED BY SETTING UP AUTOMATIC PAYMENTS.  21/04/2010 19:13 wonderwoman: Reconfigure you budget dates for payments. If your payments are late but still getting paid, change the dates for payment to occur when the money is actually available. talk to your billers.  08/04/2010 00:30 greeneysbabe: oh dear. Poor thing you. unleash yourself from the trap and kill  06/04/2010 04:10 bethums: get a walmart money card. you can't overdraw it. I got rid of my bank accounts and switched to the walmart card. Haven't paid a dime in overdraft fees since.   01/04/2010 02:56 slugbug: write a note too yourself on your hand  31/03/2010 20:50 rodrpe3: bounce checks,late fees  31/03/2010 04:11 jude: Fee free banking exists, go and change your accounts, it wont take long and youll be glad you did.  30/03/2010 05:31 jude: Fee free banking exists, go and change your accounts, it wont take long and youll be glad you did.  30/03/2010 05:31 beth: Get overdraft protection, join credit union (almost no fees), get extra job to catch up on bills  26/03/2010 23:50 Sweety: If there is one account that is consistently late, make it a priority to get caught up, even if it means sacrifice. It will be worth it to not pay the late fees, will help your credit, and relieve stress in the end.  18/03/2010 10:41 Twyla: get overdraft protection  16/03/2010 22:24 NewHouseIn'15: call a consolidation company. they really help you out as long as you're willing to work with them. especially in this economy.  13/03/2010 06:05 bill: use debit card only.no checks .  23/02/2010 18:43 gottasave: Been there done that!!! Eat hotdogs, beans, eggs, veggies, oatmeal and rice for a month. This will save you more than $200 and you might just lose weight. Don't do it more than a month. No more overdrafts because you are rounding to $5/$10 increments. You have a little more money. For every $10 you are over; buy a roll of quarters. I'm starting back on this. Your late payments is what's eating your checking accout.  23/02/2010 03:36 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 Pula: Loans and Credit Cards Laurenn33: Credit card interest!!! 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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