Personal Finance Questions and Answers

Saving money?

Does anyone have some good tips for a college student?

I need to cut down on spending..

Since christmas I own only manage to save $80.00


Answers: Yeah.

Whenever you purchase something you have need of to really think around if you can live with out it. If it's something resembling food, its a no brainer, but for something like clothes you should really come up with about it (assuming you hold a complete wardrobe).

If you eat out alot this can really find expense, try to make as several meals as possible.

Construct a budget of what your current income and expenses are, that approach you can see where your money is going. Then set an appropriate purpose of reduce items that you hold control over (variable expenses), obviously you can't take-home pay your landlord smaller quantity to help liberate money (fixed expenses).
$80 is better than nothing.

But you already know the answer: "cut down on spending".

One theory: Pay cash for everything.

Another theory: Make a written budget, so that every dollar you make subsequent month is spent on paper this month.

Where is my routing number in my checkbook?




Answers: The routing number is at the bottom of the check between the smileys. The smileys are the short lines with the 2 dots beside them. THE ROUTING NUMBER IS NOT ALWAYS THE FIRST SET OR ON THE FAR LEFT CORNER!!
It is however ALWAYS 9 digits. Different check companies print the information at the bottom in different orders!
the first 9 digits on the bottom left

I live within lima- Peru and the jobmarket sucks here, ive get no undertaking ,no money and no funds,what can I do?

Also on top of that my home doesnt care to help out me with lend me a little money to take started, like a small business or something neither ive get many friends than can do so, Ive get no higher training and im over 30, I wake up depressed not knowing how to better my situation, how can I net money and get out of this mess?


Answers: Try starting a business that does not require any start up funds.

Try getting more nurture.
I don't know about Lima but this works within the U.S. If you are an aggressive and hard working personage. You might try to be a "Personal Valet". Focus on families next to lots of money. Your services can be - walking the dog, grocery shopping, house sitting, organizing cocktail party. Again you have to target empire with lots of money.

Good luck.
Since you are pretty profound in English as economically as Spanish, you can perhaps move to the United States to rummage through for a job which requires the use of bilingual speakers. Then taking courses at a community college to further your childhood is possible. Do not let your current situation deter you. You still own much to live for so look to your heart and make the right verdict.

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