kids electric cars for 8 year olds image
KC
I was wondering if there is an app that will allow me to put in how much I make every two weeks or monthly, then put in how much I spend for like rent, gas, electric, food and things like that, and then give me suggestions on what is taking the most of my money and help me figure out a way to eliminate some unnecessary spending? Example: Right now I am the only one working (I am married and we have two children, ages 5yrs and 5 months old), my husband is going back to school full time and at my job I was making $10 an hour for 8 hours of work, I have one hour of mandatory overtime, which I only get paid $5 for that extra hour! If I work a full two weeks, with my scheduled two days off, my paycheck, after taxes is roughly around $680. My rent is $656 a month, I have to roughly put $50-65 in gas a week to get to and from work, I have to buy formula for my daughter 4 times a month, which formula is around $17 since the only brand she can tolerate is not covered by WIC, and WIC told me we don't qualify for help because I make too much money. I signed up for insurance through my work and they are charging me $200 a month for only my husband and I (I'm lucky my kids are covered with state insurance) and when I got sick last week, I went to get my prescriptions, I had to pay full pocket, not to mention $150 just to see a doctor, so my insurance is crap and they told me at work I couldn't get rid of it because I'm passed the enrollment period, which my insurance started on Jan. 1st and this is the first time I've had insurance through them (considering I am a new employee of only 4 months). I have to pay $193 for my car which the cost is split in half with my mom since she helped me get the new car, $118 a month for car insurance, and before our foodstamps got cut off, I didn't have to pay for food, and we got I believe it was like $260 or $263 a month, so now since they cut me off saying I make too much money I have to pay $250 in food out of pocket, with the help of coupons. Sometimes we do treat ourselves and get dollar menu from McDonalds once a week or once every two weeks and our total is no more than $8. I don't have to buy diapers since my dad sends me diapers in the mail to help me out, but I feel like I can't save for anything. I did get a credit card, that was in my mom's name with a $2,000 limit and I've almost maxed that out because I had to pay for rent, food, and electric since I got sick from work with the flu and had to miss 4 days. So I need an app that will help me budget better and possibly find tips on how to apply my money in different ways or how much I should do with each paycheck. My husband is looking for a part-time job, but so far no luck with all the applications he's submitted. I do have a few other expenses as well, $94 for my cable and internet, our cell phones are $130 after my discount is applied, and my electric runs between $128-$135. I know with our tax return we will be getting a good amount of money back so I can pay for our bills in advance, and pay off the credit card since it was used for necessities and I am trying to get my family back on food stamps to at least help a little. And I am looking for ways to completely get rid of my insurance because $200 a month seems like a waste since I have to pay a lot out of pocket just to be seen and the prescription coverage is very minimal. But even if there isn't an app to help with what I'm looking for, any advice on how to save some extra money, budget better, and possibly a free program where I can input the information I just gave? I've tried doing spreadsheets via Excel, but it's not helping and I've heard a lot about mint.com, but I've tried using that before (maybe a couple of years ago) and got confused. I just want something simple that even a 10 year old could use, lol. Thank you.
Answer
You need to accept the fact that you can no longer afford cable or internet. And you need to limit you and your husband to one cell fone which stays with whomever is with the kids. Stop using the credit card - the interest will be somewhere between 18% and 29%, which is just too high for you. If your husband cannot find a part time job, he may have to delay college and get a full time job until your family finance become more manageable. Good luck, you're going to need it.
You need to accept the fact that you can no longer afford cable or internet. And you need to limit you and your husband to one cell fone which stays with whomever is with the kids. Stop using the credit card - the interest will be somewhere between 18% and 29%, which is just too high for you. If your husband cannot find a part time job, he may have to delay college and get a full time job until your family finance become more manageable. Good luck, you're going to need it.
If our country had universal health care would our businesses be more profitable?
Kasey pink
Not only would we be able to actually buy locally produced goods, but goods and services would be cheaper. A lot of the reason for outsourcing has to do with the high cost of labor. If we took some of the burden off the private sector by having health insurance provided for like it is in other industrialized nations, perhaps our businesses would be more competitive in a global market?
Not to mention that it is incredibly inhumane to deny poor people health care...people are dying in this country of preventative illnesses for the sake of saving tax dollars while greedy insurance executives own several mansions. It makes me sick.
Answer
Mansions? Greedy Capitalists? Hello? OK ... I'm awake!
Wuh?
Obama has been saying that the nation should be on the health insurance that is used by the govt, by Congress.
This would save business about $1,000/year depending on how many employees they have.
Outsourcing is GREAT for business profits but they neglect to figure in the fact that if fewer people are employed this means fewer people can afford to purchase goods and services. Business declines nationally ... less biz = less profits = shoulda kept the jobs here.
The govt is still covering my health care through MediCare ... but they are threatening to cut it severely. California is now begging the Federal govt to give it a bailout but the govt claims they have no more money available, and yet it would only take a "quick print" of $26 billion for California to go back to normal and keep my medical coverage in tact. The govt pays about $20,000 year for my coverage. I could pay that myself IF I could get a job. But it seems that the Mexicans get hired first if they are willing to work for minimum wage or less ... next it's the kids who will work for school wages ... then the rest of the 18-30 work force who will work for minimum wage ... and right now that's about all the jobs they have. No jobs for older people who require higher wages. Business no longer wants to deliver a quality product. So they hire newbies who need to be trained and the whole nation suffers b/c our businesses cannot afford to hire descent labor. What they forget is that with my experience I could do the work of two people, or more, thus saving them quite a bit of money but they don't look at that anymore.
You want to know the solution? GE needs to make more wind generators in THIS country. Companies like Exxon who are fat with cash need to buy one or two of GM's closed plants and turn the lights back on and change the molds to produce the new bodies for the new electric vehicles. Do you know that Aptera makes a car that gets 300 mpg? And an electric model that uses no gas at all?They're only $25,000 and up. Cheap! But think of it ... you could go from California to New York (4,000 miles?) and back (8,000 miles total) for $80. How much do YOU spend on gas to go to work? What if you got TEN TIMES better gas mileage? YOU would spend less ... the manufacturers would save on shipping ... UPS could lower their prices if gas were cheaper for them ... EVERYONE would pay less if we could get fuel prices DOWN!
So, Exxon could supplement their income by producing electric and fuel efficient vehicles. Why hasn't anyone mentioned a nuclear car? I would think by now they would have a little pellet they could put in an engine and have it run for 5 years or more. Is there such a thing as recycling the nuclear waste? Can it be reused in commercial vehicles?
GE could also go in partners with Exxon to make solar cells for ALL the homes in America. Since the govt likes giving money away they could cover the roof tops of America with solar panels that are made by the energy companies and charge people the SAME monthly power fees but instead of losing that forever, the families would be paying off their solar panels. Make them payable over 20 years. Monthly power bills should remain about the same and after 20 years, when they are paid off, the panels will still have 5-10 years of life left and then there would be another business boom when people replace the old units.
GE would cover all the areas with wind, but few residents. Who wants to live on a windy mtn? Why not put windmills everywhere there is wind. Put solar panels everywhere else. Sell off the excess power to Canada and Mexico.
AND THEN, the govt needs to legalize marijuana and produce as much hemp as possible. The BEST oil for cars is HEMP OIL! Do you know your car will run with NO major maintenance for 500,000 miles if you used Hemp Oil instead of petro oil. If they can make oil out of it, couldn't they make fuel out of it. Instead of using corn for fuel, FEED corn to the people and grow WEEDS to produce fuel. This country could be covered in weed plants, like back in 1920, and the govt could make rope and fuel and oil products for the country by hiring some defunct company to come back to life and produce this stuff that is so vital to the country and at the same time they could employ more people. Win Win Situation!
If businesses had solar cells on their rooftops and could save $3-5,000 per month on utility costs wouldn't this offset a LOT of their costs? Next to labor I would venture to say that utility costs come in a close second to rent/lease fees. IF business wanted to have the solar cells installed immediately by the govt and then pay a monthly fee to repay the govt it would still save them a lot. OR they could use the tax credits to buy solar and install it themselves.
Nuclear fuel cells are now available that will power entire neighborhoods. You put the
Mansions? Greedy Capitalists? Hello? OK ... I'm awake!
Wuh?
Obama has been saying that the nation should be on the health insurance that is used by the govt, by Congress.
This would save business about $1,000/year depending on how many employees they have.
Outsourcing is GREAT for business profits but they neglect to figure in the fact that if fewer people are employed this means fewer people can afford to purchase goods and services. Business declines nationally ... less biz = less profits = shoulda kept the jobs here.
The govt is still covering my health care through MediCare ... but they are threatening to cut it severely. California is now begging the Federal govt to give it a bailout but the govt claims they have no more money available, and yet it would only take a "quick print" of $26 billion for California to go back to normal and keep my medical coverage in tact. The govt pays about $20,000 year for my coverage. I could pay that myself IF I could get a job. But it seems that the Mexicans get hired first if they are willing to work for minimum wage or less ... next it's the kids who will work for school wages ... then the rest of the 18-30 work force who will work for minimum wage ... and right now that's about all the jobs they have. No jobs for older people who require higher wages. Business no longer wants to deliver a quality product. So they hire newbies who need to be trained and the whole nation suffers b/c our businesses cannot afford to hire descent labor. What they forget is that with my experience I could do the work of two people, or more, thus saving them quite a bit of money but they don't look at that anymore.
You want to know the solution? GE needs to make more wind generators in THIS country. Companies like Exxon who are fat with cash need to buy one or two of GM's closed plants and turn the lights back on and change the molds to produce the new bodies for the new electric vehicles. Do you know that Aptera makes a car that gets 300 mpg? And an electric model that uses no gas at all?They're only $25,000 and up. Cheap! But think of it ... you could go from California to New York (4,000 miles?) and back (8,000 miles total) for $80. How much do YOU spend on gas to go to work? What if you got TEN TIMES better gas mileage? YOU would spend less ... the manufacturers would save on shipping ... UPS could lower their prices if gas were cheaper for them ... EVERYONE would pay less if we could get fuel prices DOWN!
So, Exxon could supplement their income by producing electric and fuel efficient vehicles. Why hasn't anyone mentioned a nuclear car? I would think by now they would have a little pellet they could put in an engine and have it run for 5 years or more. Is there such a thing as recycling the nuclear waste? Can it be reused in commercial vehicles?
GE could also go in partners with Exxon to make solar cells for ALL the homes in America. Since the govt likes giving money away they could cover the roof tops of America with solar panels that are made by the energy companies and charge people the SAME monthly power fees but instead of losing that forever, the families would be paying off their solar panels. Make them payable over 20 years. Monthly power bills should remain about the same and after 20 years, when they are paid off, the panels will still have 5-10 years of life left and then there would be another business boom when people replace the old units.
GE would cover all the areas with wind, but few residents. Who wants to live on a windy mtn? Why not put windmills everywhere there is wind. Put solar panels everywhere else. Sell off the excess power to Canada and Mexico.
AND THEN, the govt needs to legalize marijuana and produce as much hemp as possible. The BEST oil for cars is HEMP OIL! Do you know your car will run with NO major maintenance for 500,000 miles if you used Hemp Oil instead of petro oil. If they can make oil out of it, couldn't they make fuel out of it. Instead of using corn for fuel, FEED corn to the people and grow WEEDS to produce fuel. This country could be covered in weed plants, like back in 1920, and the govt could make rope and fuel and oil products for the country by hiring some defunct company to come back to life and produce this stuff that is so vital to the country and at the same time they could employ more people. Win Win Situation!
If businesses had solar cells on their rooftops and could save $3-5,000 per month on utility costs wouldn't this offset a LOT of their costs? Next to labor I would venture to say that utility costs come in a close second to rent/lease fees. IF business wanted to have the solar cells installed immediately by the govt and then pay a monthly fee to repay the govt it would still save them a lot. OR they could use the tax credits to buy solar and install it themselves.
Nuclear fuel cells are now available that will power entire neighborhoods. You put the
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Title Post: Is there an app to help me eliminate expenses?
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