kids electric car spare parts image
Blah!
Can you help me figure out things financially, please? My husband and I feel like we're stuck and falling behind, and we just want to get ahead.
Currently, I work from home and net $545 weekly (my husband nets $520 after taxes/insurance.) We don't have to pay for child care because I work from home. My son is in school all year, but in the summer we will have to pay about $135 a week for full time care.
We just bought a house, and I need to switch jobs. I'm so stressed out I can barely even deal with my family after work anymore, because I'm working 55 hours a week in a job that is burning me out ridiculously (watching 4 kids under 4 all day with no adult interaction and no vacation/sick time.)
In the job market, it appears I'll only be able to make $11-$12 an hour to start, and that's a bit of a pay cut, PLUS adding the expense of childcare.
I'm trying to figure out what to do because I just need to change jobs.. I can't do this much longer, but we can't afford it.
Basically, we will be about $970 short every month if I make $11/hr and we have to pay day care.
Does anyone have ideas either for extra money, or for cutting bills?
Our MONTHLY bill payments are:
$1340 -- mortgage
$420 in miscellaneous credit card/hospital bills (from when I was uninsured) payments
$800 monthly on groceries and gas for the cars
$540 day care
$120 cell phones
$160 on car insurance
$100 electric bill
$160 cable/internet/phone
$340 car payment #1 (I will be trading in to get something cheaper once I find another job; this was a payment on a mini van which i will no longer need if I stop taking kids)
$390 car payment #2 (we can't switch this -- we are in too much debt with this car to trade it.)
$230 gas bill (which should drop drastically in the summer.)
Any ideas on how to save money or make extra money? I've applied to every single nights/weekends part time job I can find, and I think people are reluctant to hire me because I'm not a teenager.
Any thoughts are appreciated.
Answer
Unfortunately, in the tough times we're all in, jobs with good salaries are hard to come by. $11 is a nice way to start off if you're a beginner, but I understand that it is not enough every week. You could consider selling items in your spare time such as beauty kits, makeup, etc. from your own home, along with working another job.
As to cutting down bills, I may be able to give you some advice.
First of all, I've heard that the monthly mortgage should be around 30% of your monthly net income ideally. Your mortgage is pretty close to that (if my calculations make sense) so that's a good start.
Credit cards: very hard to pay off if you're not making enough or just barely have enough to survive on. Check all of the cards' interest rates and slowly pay off the interest rate that's highest. In the situation you're in, you might want to consider cutting down on using credit cards, or just living on cash alone. Living on cash is a sure-fire way to pay off your debts and keep you focused and living frugally. However, by living on cash, that does not mean to constantly borrow from family and friends and take from credit cards! Big no-no.
Hospital bills: try to pay them off quickly. they're the equivalent to credit cards if the bill has a high interest rate.
groceries and gas: since you grouped gas and groceries together, I can't help you much on this one. Try budgeting groceries to no more than $100 a week. Use coupons, don't over indulge (don't buy a $50 triple chocolate cake that's made from german chocolate that can barely feed one person), only buy items on sale (some items don't go on sale regularly like baby formula) if possible, go to stores like wal-mart, target, etc.. instead of jewel and whole foods (unless eating organically is really important to you). Try walking to places, riding bikes, taking public transportation, etc. to save on gas. Also, don't travel 20 miles to go shopping for clothes, food, etc.. if there's a perfectly reasonable store closer by and nearer to your home. Marshalls (discount clothing store that sells brand names) is a great and cheap place to shop instead of going to the mall.
Cell phones: My family has 3 cell phones in usage and our monthly total is only $90 a month or less. There are family plans and pay as you go phones available that don't cost much.
Cable/Internet/Phone: All I have to say is that not everybody needs 200+ channels available to them, plus showtime, HBO, and etc.
And that's pretty much all the advice I can give. I hope it all works out for you! :) Live the life that makes you happy and not overly stressed.
Unfortunately, in the tough times we're all in, jobs with good salaries are hard to come by. $11 is a nice way to start off if you're a beginner, but I understand that it is not enough every week. You could consider selling items in your spare time such as beauty kits, makeup, etc. from your own home, along with working another job.
As to cutting down bills, I may be able to give you some advice.
First of all, I've heard that the monthly mortgage should be around 30% of your monthly net income ideally. Your mortgage is pretty close to that (if my calculations make sense) so that's a good start.
Credit cards: very hard to pay off if you're not making enough or just barely have enough to survive on. Check all of the cards' interest rates and slowly pay off the interest rate that's highest. In the situation you're in, you might want to consider cutting down on using credit cards, or just living on cash alone. Living on cash is a sure-fire way to pay off your debts and keep you focused and living frugally. However, by living on cash, that does not mean to constantly borrow from family and friends and take from credit cards! Big no-no.
Hospital bills: try to pay them off quickly. they're the equivalent to credit cards if the bill has a high interest rate.
groceries and gas: since you grouped gas and groceries together, I can't help you much on this one. Try budgeting groceries to no more than $100 a week. Use coupons, don't over indulge (don't buy a $50 triple chocolate cake that's made from german chocolate that can barely feed one person), only buy items on sale (some items don't go on sale regularly like baby formula) if possible, go to stores like wal-mart, target, etc.. instead of jewel and whole foods (unless eating organically is really important to you). Try walking to places, riding bikes, taking public transportation, etc. to save on gas. Also, don't travel 20 miles to go shopping for clothes, food, etc.. if there's a perfectly reasonable store closer by and nearer to your home. Marshalls (discount clothing store that sells brand names) is a great and cheap place to shop instead of going to the mall.
Cell phones: My family has 3 cell phones in usage and our monthly total is only $90 a month or less. There are family plans and pay as you go phones available that don't cost much.
Cable/Internet/Phone: All I have to say is that not everybody needs 200+ channels available to them, plus showtime, HBO, and etc.
And that's pretty much all the advice I can give. I hope it all works out for you! :) Live the life that makes you happy and not overly stressed.
can i interview you for english assignment?
Born-to-ru
well for english i have to interview an australian adult and i havent got anyone interesting to interview so i thought id ask someone on yahoo answers..
you dont have to put ya last name or anything just like your first name and the first letter of you last you last name and i also need your age
so here are my questions oh and you dont have to answer any questions you dont want to
1)how are you today?
2)where were you born?
3)whats your favorite hobbie?
4)what type of music do you like?
5)do you know how to cook?
6)whats your favorite type of food?
7)whos your favorite australian?
8)do you work out
9)do you play any sports?
10)whos your favorite sports person
11)what was your first job?
12)have you been overseas and where to?
13)what do you do for a living?
14)if you could have any job what whould it be and why?
15)do you have kids or want kids?
16)whats your favorite movie?
17)who do you want to meet?
18)do you have any pets what are they and also what thier names?
19)where do you want to go for your next holiday?
20)where do you see yourself in 10 years times
21)do you have any siblings?
22)what do you want to do once you retire?
23)describe yourself in 3 word
24)who inspires you
25)whats your cultural background?
26)whats the best thing about living in australia
27)if you could go back in time where whould you go and why?
28)have you won any awards/medals and for what/
29)whats your favorite tv show
30)do you read and what your favorite book?
31)can you dance?
32)whats your favorite animal
33)what are sceared of?
34)do you have any word of wisdom?
35)if you could live anywhere in the world where whould it be and why?
36)what the most embarrasing thing that has ever happend to you?
37)whats one thing you wish you could do?
38)do you somke?
39)do you drink?
40)where the best place you have been too?
41)do you like fishing and camping?
42)do you believe in yourself?
43)whats one thing you could not live without?
44)have you ever faked sick to have a day off wor?
45)what do you do in your spare time?
46)what do you value about been australian?
47)what do you feel are some of the problems facing australia today/
48)who means most to you?
49)what type of car do you drive?
50)the worst song you cant stand listing to?
thanks for any answers .. sorry about it been so long
Answer
1)how are you today?
Excellent, thanks for asking.
2)where were you born?
Tasmania, Australia
3)whats your favorite hobbie?
Playing and composing music on the piano.
4)what type of music do you like?
Electric/dance, ie Clubber's Guide or the Ministry of Sound.
5)do you know how to cook?
Yes.
6)whats your favorite type of food?
Sushi.
7)whos your favorite australian?
Nick McKim.
8)do you work out
Yes.
9)do you play any sports?
No.
10)whos your favorite sports person
Nobody, I don't like/follow sports.
11)what was your first job?
Cashier at a grocery chain.
12)have you been overseas and where to?
America and New Zealand.
13)what do you do for a living?
I'm a student and receive studying benefits from the government.
14)if you could have any job what whould it be and why?
Author, because I love writing.
15)do you have kids or want kids?
No to both.
16)whats your favorite movie?
V For Vendetta.
17)who do you want to meet?
Dylan Moran.
18)do you have any pets what are they and also what thier names?
No, no pets.
19)where do you want to go for your next holiday?
China, anywhere along the coastline.
20)where do you see yourself in 10 years times
Working, travelling.
21)do you have any siblings?
Three. Two sisters and a brother.
22)what do you want to do once you retire?
Lounge around on a tropical island with my remaining superannuation.
23)describe yourself in 3 word
A lazy optimist.
24)who inspires you
My mother.
25)whats your cultural background?
European, primarily Scottish/German.
26)whats the best thing about living in australia
Everyone's so laid-back and chilled.
27)if you could go back in time where whould you go and why?
28 June 1914, to witness the assassination of the Archduke Franz Ferdinand, because that would be an incredible moment of history to be part of.
28)have you won any awards/medals and for what/
Some awards for playing the piano when I was younger. More recently I graduated from college with Dux of Child Studies, Dux of Sociology and Psychology, Dux of English Writing, Dux of Ancient Civilisations. All of the latter were for receiving the highest marks in the class of that year.
29)whats your favorite tv show
Black Books
30)do you read and what your favorite book?
Yes I read, my favourite book is The Gathering by Isobelle Carmody.
31)can you dance?
No.
32)whats your favorite animal
Domesticated ferrets.
33)what are sceared of?
Growing old alone.
34)do you have any word of wisdom?
The past is just practice.
35)if you could live anywhere in the world where whould it be and why?
I'd love to live anywhere in Asia, particularly China. It's so big and culturally diverse that I'd never be bored.
36)what the most embarrasing thing that has ever happend to you?
Moving away to a big city to 'make a new start' and returning a month later with no money, no job and no prospects.
37)whats one thing you wish you could do?
Organise myself better.
38)do you somke?
No.
39)do you drink?
Haha, yes.
40)where the best place you have been too?
Mt Cook in New Zealand, it was spectacular.
41)do you like fishing and camping?
No to fishing, yes to camping.
42)do you believe in yourself?
Yes.
43)whats one thing you could not live without?
Cadbury chocolate.
44)have you ever faked sick to have a day off work?
Yes.
45)what do you do in your spare time?
Play piano and violin, go out clubbing with mates, have a few drinks.
46)what do you value about been australian?
I believe we have an extremely good welfare system. The government financially supports its elderly, its students, its children and its handicapped.
47)what do you feel are some of the problems facing australia today
Fear that Australia is losing its culture. Some people think that we need to really tighten up our immigration laws because we're flooded with foreigners and losing our culture to them. Others think that we had no culture to begin with, only what the British imposed on us. So it's a real problem, dealing with immigration laws and trying to please everyone.
48)who means most to you?
Family.
49)what type of car do you drive?
I don't drive; I never bothered getting my licence and use public transport to get around.
50)the worst song you cant stand listing to?
My Humps.
Rose R
21
1)how are you today?
Excellent, thanks for asking.
2)where were you born?
Tasmania, Australia
3)whats your favorite hobbie?
Playing and composing music on the piano.
4)what type of music do you like?
Electric/dance, ie Clubber's Guide or the Ministry of Sound.
5)do you know how to cook?
Yes.
6)whats your favorite type of food?
Sushi.
7)whos your favorite australian?
Nick McKim.
8)do you work out
Yes.
9)do you play any sports?
No.
10)whos your favorite sports person
Nobody, I don't like/follow sports.
11)what was your first job?
Cashier at a grocery chain.
12)have you been overseas and where to?
America and New Zealand.
13)what do you do for a living?
I'm a student and receive studying benefits from the government.
14)if you could have any job what whould it be and why?
Author, because I love writing.
15)do you have kids or want kids?
No to both.
16)whats your favorite movie?
V For Vendetta.
17)who do you want to meet?
Dylan Moran.
18)do you have any pets what are they and also what thier names?
No, no pets.
19)where do you want to go for your next holiday?
China, anywhere along the coastline.
20)where do you see yourself in 10 years times
Working, travelling.
21)do you have any siblings?
Three. Two sisters and a brother.
22)what do you want to do once you retire?
Lounge around on a tropical island with my remaining superannuation.
23)describe yourself in 3 word
A lazy optimist.
24)who inspires you
My mother.
25)whats your cultural background?
European, primarily Scottish/German.
26)whats the best thing about living in australia
Everyone's so laid-back and chilled.
27)if you could go back in time where whould you go and why?
28 June 1914, to witness the assassination of the Archduke Franz Ferdinand, because that would be an incredible moment of history to be part of.
28)have you won any awards/medals and for what/
Some awards for playing the piano when I was younger. More recently I graduated from college with Dux of Child Studies, Dux of Sociology and Psychology, Dux of English Writing, Dux of Ancient Civilisations. All of the latter were for receiving the highest marks in the class of that year.
29)whats your favorite tv show
Black Books
30)do you read and what your favorite book?
Yes I read, my favourite book is The Gathering by Isobelle Carmody.
31)can you dance?
No.
32)whats your favorite animal
Domesticated ferrets.
33)what are sceared of?
Growing old alone.
34)do you have any word of wisdom?
The past is just practice.
35)if you could live anywhere in the world where whould it be and why?
I'd love to live anywhere in Asia, particularly China. It's so big and culturally diverse that I'd never be bored.
36)what the most embarrasing thing that has ever happend to you?
Moving away to a big city to 'make a new start' and returning a month later with no money, no job and no prospects.
37)whats one thing you wish you could do?
Organise myself better.
38)do you somke?
No.
39)do you drink?
Haha, yes.
40)where the best place you have been too?
Mt Cook in New Zealand, it was spectacular.
41)do you like fishing and camping?
No to fishing, yes to camping.
42)do you believe in yourself?
Yes.
43)whats one thing you could not live without?
Cadbury chocolate.
44)have you ever faked sick to have a day off work?
Yes.
45)what do you do in your spare time?
Play piano and violin, go out clubbing with mates, have a few drinks.
46)what do you value about been australian?
I believe we have an extremely good welfare system. The government financially supports its elderly, its students, its children and its handicapped.
47)what do you feel are some of the problems facing australia today
Fear that Australia is losing its culture. Some people think that we need to really tighten up our immigration laws because we're flooded with foreigners and losing our culture to them. Others think that we had no culture to begin with, only what the British imposed on us. So it's a real problem, dealing with immigration laws and trying to please everyone.
48)who means most to you?
Family.
49)what type of car do you drive?
I don't drive; I never bothered getting my licence and use public transport to get around.
50)the worst song you cant stand listing to?
My Humps.
Rose R
21
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Title Post: Ideas, please on how to save money/make more?
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Thanks For Coming To My Blog
Rating: 92% based on 925 ratings. 4 user reviews.
Author: Unknown
Thanks For Coming To My Blog
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