Getting out of debt! Help!

@jterrock (276)
United States
May 14, 2010 9:46am CST
Recently I have been struggling with my bills and trying to play catch up! I am starting to get behind on paying my bills! I am currently trying to figure out a way on how to make some extra money to help with my debt situation! I don't know if I should consolidate my bills into one payment. Does anyone else have this problem? How do you handle your finances? I am struggling and I need some help on what to do! I don't want to fall behind! Anything will help!
1 person likes this
7 responses
@tayd88 (205)
• Malaysia
14 May 10
hi, Sad to hear about your financial condition.I'm having the same situation as well even though i got a job but everything just got out of hand each month.Tried very hard to control spending will ccertainly help.I do some part time selling in ebay to help out a little in my financial condition. Perhaps you should start clearing your household items or stuff,try selling it online,maybe it'll help a bit.
1 person likes this
@jterrock (276)
• United States
14 May 10
I do list things on Ebay to sell. I just got done with listing about 7 or so items online. Only one sold. Which that is better than nothing! I have to re-list the other items too. Is there anywhere I can list for free? Without the fees? I guess nothing is free anymore! lol Thank you!
@jterrock (276)
• United States
14 May 10
I will try that! It's free and I hear a lot of people use this site! Thank you!
• United States
14 May 10
What about craigslist? My son does very well with them for selling items.
• United States
14 May 10
I have been earning online for 10 years. But, from your discussion, I am not sure if you are interested in doing this or not. Are you currently working? Craigslist is an awesome job finder as local jobs are listed constantly throughout the day. If you are interested in earning online feel free to message me with your questions.
@jterrock (276)
• United States
14 May 10
I do have a job, I work 40 hours a week. It's just that all my money that I get from working goes to my bills. And I have no money left over for anything else. It is very frustrating! I just want to be able to find extra money somehow without having to pay anything to do it. I wouldn't mind finding a job that I can do at home a few nights a week for extra cash flow. Thank you for your response! Know of any part time evening jobs?
15 May 10
I am also Facing The same problems What to do is there amy way to get out of it??
@lingli_78 (12822)
• Australia
15 May 10
i'm so sorry to hear about your situation... i can understand what you mean because i experience it as well... but fortunately, i can still survive because i try my best to cut down on all my unnecessary expenses and only spend my money on what i really need... i budget and calculate everything carefully to make sure that i live within my means and don't overspend... and so far, fortunately i can still manage and survive... good luck to you... take care and have a nice day...
@jterrock (276)
• United States
15 May 10
Thank you! I try my best and I hope that is enough. Eventually I will be able to get it done. But, I am getting ready to consolidate into one payment and get my debt payed off in 5 years. So, I guess that is better than 15 years!
@rosekiss (30380)
• Eugene, Oregon
14 May 10
I can certainly understand where you are coming from, as I was that way for a lont time until March of this year. I just couldn't get a handle on my bills, as I woed more than what I had coming in. It was really hard, and I didn't know what to do, as I had almost maxed out my credit cards, and between them and my mortgage, I was forking out over $1000 a month, and I only had $2000 coming in a month, which just didn't leave me enough pay everything I needed to pay. Well, since I took out a reverse mortgage, I don't have to pay my mortgage anymore, and I was able to get my credit cards all paid off, and that is a relief, as I got the monkey off my back so to speak. Now, I am doing so much better, and I am paying a lot less in bills than what is coming in, so I am able to save money every month. It sure does feel good, let me tell you. I do hope that you can find what you are looking for, as it really stinks to be in debt and figure a way out. Good luck to you adn happy mylotting.
@rosekiss (30380)
• Eugene, Oregon
15 May 10
It is hard to explain but it is only for senirs 62 and older. What it amounts to I receive a lump sou every year, from the government which isn't taxabel. They paid my mortgage off, and as long as i continue to live in my home, I never have to make anohter mortgage payment. My house was appraised, to see what it was worth. The amount munus the closing costs and the payoff for my mortgage, leaves me with a lump sum amount, which varies year to year. It helped me to get my bills under control and now I have more money, but I did use a lot of it to pay things off, so not a lot left, but I am doing okay as I do have a fixed income that I receive every month. I hope I have explained it well enough.
@jterrock (276)
• United States
15 May 10
What is a reverse mortgage? I don't think I have ever heard of it.
1 person likes this
@valkerion (1827)
• United Kingdom
14 May 10
I am earning through the Freebie Industry. It's hard because you have to do some paid offers first and then you have to persuade your referrals to do the same. But the money is good it's about $40 per referral that gathers 1 credit. I can explain it to you if you want, but it will take some time (months) in order to settle down and from what I understood you need something more fast. Another thing that I used to do is to re-sell things at ebay. I made some hundreds but that's all because I stopped. The reason was that it was too risky. I wish you all the best! Do not give up!
1 person likes this
@jterrock (276)
• United States
15 May 10
Yes, I do try to sell through Ebay, but haven't had too much luck with that yet. I am planning on posting some things through Craigslist next!
• Malaysia
14 May 10
Have you ever tried GPT? it is the best and fastest way to earn legally. Many also having this problem including me... Do you want to sell pendrive online? You can join as affiliate.
1 person likes this
@jterrock (276)
• United States
15 May 10
I don't know what Pendrive is. I don't want to do anything that I have to spend any money for. Because I don't have it. So, I am trying to figure out what I can do online besides selling things that there is no up front charge.
• Malaysia
15 May 10
No, you don't have to pay for doing anything! Will PM you
@ShepherdSpy (8544)
• Omagh, Northern Ireland
15 May 10
If Your Income doesn't cover your outgoings,then You're in trouble.Sit down and work out a budget for what's costing you the most (there's Lots of free budgeting tools online,just plug in what certain items cost you on a Yearly or monthly basis,and it'll tell you what you should have over each week..)and what you can cut down on.Your priority is your place to Live in,heat,power,and food.After that,see what can be done with what's left.Cut out or cut down on eating out if you do this.If you buy sandwiches or fast food for lunch at work,make something at home and bring it with You.Forget coffee bars.Stop magazine and newspaper subscriptions,and DVD rentals.You're in a vicious cycle at the moment which you need to escape from. A free to use financial advice site in the UK is moneysavingexpert.com. You may not live in the UK,but the tips and advice on budgeting and saving money there could be applied anywhere-good luck with the saving!
@jterrock (276)
• United States
15 May 10
That's the thing. I don't eat out hardly ever or buy anything that I do not need. I am just in a rut right now and have to try to find a way to get out of it. All I really do is pay bills out of my paychecks. They are on time, so I am grateful for that, but I never have any left over. I just pray that God will help me through.