Money Making Schemes

Nagesh answers:

Hello I am From India . Today i give you, answer of your question . You can easily earn money from your home. Are you listen about Seo or Google ad sense both are simple way to earn money from internet. In ad sense you create any blog and promote it on Google when your blog is famous then google put the ad on your blog s and when some one come on your blog s and click on Google ads then you can get $ 1 for each click.

Nagesh answers:

The quickest way is to pay it off. Getting another credit card is not the answer. If you can’t find a job, make a job. Babysit, clean houses, do yard work, do personal errands or grocery shopping, do laundry, deliver pizza, mow lawns, do childcare. There are tons of things that you can do to make money. Make some flyers and pass them out. I had a neighbor that averaged $1000 – $2000 per month delivering pizzas. As far as the debts go, here is a plan that will help you.
What keeps most people in debt is the fact that they keep spending more money than they make. They look at the “monthly payments” instead of the total debt loan that they are carrying. People need to stop spending now and concentrate on becoming debt free. Please do not consolidate or use a debt reduction company . It is not free, they will lower your payments by increasing the length of time until you are debt free, and you will take a hit on your credit score. Or they negotiate your debt down after telling you not to pay for awhile adding another hit to your credit score. Student loans are the only debt that can garnish your wages for non payment without taking you to court first. Just list them out on a piece of paper or a spreadsheet and follow the plan. If you work the plan, the plan will work for you.

A. Have a garage sale and sell anything that you no longer need or want.

B.Get a temporary part time job, if you have one, get another.

Here is a plan that can help you. If you work the plan, the plan will work for you:
1. Make a budget. Make the budget a week before you get paid. A budget is not a punishment! It is a tool which will free you from ever having to worry about money again. Put everything in your budget. Especially those annual, biannual, or quarterly bills like car registration, insurance, etc. Give every dollar you are going to bring home the name of where it is going. Add an “emergency fund” category to your budget for 25 dollars and save up until you have 1000-1250 dollars. Your emergency fund will help keep you from getting into new debt because of an emergency. If you can, set up a direct transfer to a savings account for your emergency fund. That way it moves automatically and you don’t even have to worry about it. You must cut your spending and live on less than you make.

2.First get current on all of you debts and make no more late payments. Stop using your credit cards immediately. Do not take on any more debt. Credit cards are like quicksand only the death is much slower. Make a list of all of your debts in order of highest interest rate to lowest interest. Use cash only for your spending from now on.

3.Pay the minimum due on all of your debts and then put your extra money towards paying off the highest interest one first. After you get that one paid off, you put the money you were paying on debt #1 (the minimum payment and the extra payment) towards debt #2. That will pay debt #2 off faster. When that is paid off, you put all three payments towards card #3 and that one will be paid off pretty quickly. As an example:

To start :
Debt #1 (highest interest): minimum payment+ extra payment
Debt #2 (middle interest): minimum payment
Debt #3(lowest interest): minimum payment

Debt #1: paid off
Debt #2: minimum payment from Debt #1+ Minimum payment from Debt #2 +extra payment
Debt #3: minimum payment

Debt #1: paid off
Debt #2: paid off
Debt #3:Minimum payment from card #1+ minimum payment from Debt #2+ minimum payment from Debt #3+ extra payment.

That way, you will get them all paid off, on time, and pay the least interest. It will also help towards rebuilding your credit since you will no longer have any late payments. This works no matter how many different debts you may have.

4. After you get all of your debts paid off, add to your emergency fund until you have 6-12 months of income saved up. Put that emergency fund money into a liquid money market fund or into a Bank of America no-risk CD so that if you need the money you can take it out without penalty.

5a. When you have your emergency fund in place, add a category for “fun” to your budget. Save for a holiday, a vacation, a big screen, or dinners out, whatever goal you want. Remember to enjoy your life.

5b. When you have your emergency fund in place, start saving for your retirement. Join the 401(k) plan at work and contribute the maximum. Your employer probably matches at least part of your contribution so why give up free money? Open a Roth IRA and contribute the maximum on a monthly basis. If you start saving for your retirement now, you will probably retire a millionaire.

5c. When you have your emergency fund in place, start saving for your next car. Only buy cars, or other things that depreciate, with cash. Save up for a nicer car. That way you get the interest instead of paying the interest.

You can do it and it isn’t as hard as you think. Just follow the plan.

Nagesh answers:

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Nagesh answers:

Before making a purchase that will cost you a lump sum like a new or used vehicle, you should consider the following: monthly payment, maintenance, car insurance, gas and etc.
On the other hand, you want to move out of your parents house. I would advise you to save your paychecks until you have earn enough money to move out.

Nagesh answers:

I have developed a few recipes that work really well frozen and reheated, and I make up huge batches at once and fill the freezer. Some of my favorites are low-fat muffins (30-60 seconds in the microwave and you’ve got a warm breakfast), waffles (again, low fat, and pop them in the toaster), quiche (30-60 minutes in the oven), soup (pea soup is excellent frozen and reheated), a German onion pie (hard to explain, but a lot like pizza with no red sauce), and chicken stock. The chicken stock is great, because we roast whole chickens, have the chicken for dinner, and then boil the carcass for 4 hours with a bay leaf, some pepper, and a little salt. So the stock is essentially free, and makes a great soup (the aforementioned pea soup, or sweet potato soup) later.

It doesn’t work for everything, but some of the above works as “convenience food” — quick and easy to reheat and serve, so it saves us money over nights when I might be tempted to pick up take out on the way home…..