Personal Finance Questions and Answers

What are some ways to earn money for a different phone?

I am 14 so i cant get a errand. I am saving up to buy partially of my phone and my mom will pay the rest as a b-day present. Any suggestions? [please DO NOT utter babysitting. i am aware of this job, thanks]


Answers: shoveling snow
mowing lawns
helping antediluvian people next to their groceries
selling stuff you dont want
get a rag route..

hope i helped.
Sell used items from the around the house that you do not obligation or no longer use. Sell it on Ebay. It could be clothing, decor, old electronics, etc. Just do a explore on Ebay for items you might consider selling and look at the competition. You will be surprised to see that some items you did not think would provide have bids on them, substance it will be sold.

If your mom has an Ebay and Paypal story she can sell it for you. If she does not enjoy one, have her setup an Ebay side and a Paypal account.
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How do I nurture two supplementary empire contained by my household?

I need any cheap and creatative ways to nurture two extra people that will be living next to me. My sisters 2 kids(7 year old girl and 11 year mature boy) will be staying with me for 1 year until my sister get her act together. I'm a 20 year infirm college student and work a full time and part time duty, but I'm always low on brass. I live in my own apartment which I wage $650 for rent and another $200 for electric, phone, cable,etc. I also have a vehicle which I bought used, but it's not the most fuel efficent, but I can't even consider making monthly payments for three years on a new motor. Well, I would like some insist on on any frugal recipes? Thanks


Answers: You don't have need of a new coup¨¦ anyway. The interest would be ridiculous in comparison to what extra hoard you'd get surrounded by fuel. Just keep your current motor reasonably economically serviced, change the grease regularly yourself, change the hose regularly yourself, check the spark plugs and filters, and preserve your tyres at the highest not dangerous inflation. That makes for a rougher ride, but it save fuel. You can borrow a book from the library on car servicing, or bring back a knowlegeable friend to help. My partner services my saloon and I only clear for new grease, new filter, and other bits and pieces. My car is an ancient Mitsubishi Sigma that cost $2000 and eat petrol like a adjectives man at a hamburger eating competition. I drive it merely when I need to, because I live a few hundred metres from a post organization where I can income my bills and run errands. The previous owner WAS actually rather old female who got it serviced regularly, so it be actually worth the 2 elegant we paid. I suggest, if you possibly can, sports car pool with someone to work or academy. That will save petrol money surrounded by the long run if they are paying their way.

Okay, onto feed extra people. Have you ever considered growing a pot of spinach? I do, but I hold a house in sunny Australia. I grow most of my own vegies and it save me a bundle, but it might not work so well for you. Spinach is assured to grow in a pot though, as long as it's to hand a window. It'll bulk out pasta sauce, stews, and is nice wilted next to butter and onions. And if you grow it yourself, it's free.

I go to factory outlets and win food there cheaply. I live implicit a few outlets, and I buy tinned food and packaged foods surrounded by bulk, cutting my regular food bill. If near are some nearby, check them out. A can of tomatoes where on earth I shop costs less than partly what I'd pay for generic can tomatoes at the supermarket.

I go to Kmart when they hold 15% off storewide and return with all the wash powder and toilet paper I can pack into my vehicle at heavy discounts. This repeatedly saves me a dollar per section on what I'd pay at the supermarket, and make my weekly shop easier to manage and cheaper as resourcefully. I buy washing powder contained by 12 kilo packs, which will later me about 12 months or more. I single use energy depositor light globes, and I return with big cans of the brand of coffee I similar to at a much lower price than I'd pay at the supermarket for jar, so I decant it into jar and screw the lids on terrifically tightly when I get home. This save me weekly as well.

I other take my own lunch next to me. I never buy lunch at work. I make a huge *** of sandwich with filling that freeze well, and store them surrounded by the freezer. Hummous, cheese and mustard, ham, peanut butter, tuna, and pickles with cheese are adjectives great frozen. I also make extra pasta, curry, fried rice, stew, and soup, and freeze them within small serves in microwave containers. This I after take to work and reheat for lunch, or use for a cheap dinner when I'm too tired to cook. Pasta sauce is jammy to freeze like this, and adjectives you need to do is cook up some pasta when you're too tired to do a huge dinnertime. It stops you resorting to take away food.

Always buy generic products at the supermarket. This save you big dollars over the year, and I can't pick the difference in power, because they're often made by matching companies that make adjectives the flash name brands.

These kids will propose extra washing, extra expenditure on clothing, and extra electricity costs, so you'll enjoy to be pretty frugal. If they need clothes, step to a charity secondhand store and get clothes nearby. That'll save you big dollars. Also, don't use a clothes dryer if you can lend a hand it. Plan your washing and dry it on a clothes horse or on a broom toy with over two chairs. Clothes dryers are incredibly wasteful appliances.

Now, for some cheap recipe. On a low budget, you can cut out a few meat meals and accumulate big dollars. I suggest the only meat you buy is a small amount of budget mince (buy a big bulk pack, put it surrounded by portions to freeze, and save a few dollars per kilo) a few rashers of bacon, which you can freeze contained by portions also, and cheap sausages.

You can stretch most meals beside legumes. If you make a mince base tomato pasta sauce, cook some red lentils and add them. They're illustrious in perkiness, cost very little, and are tremendously filling. They will stretch the mince a long opening. Just make your regular pasta sauce. Fry an onion and some garlic contained by oil, give some mince about the size of your fist or smaller, put in a couple of tins of tomato, some oregano and basil, and then some cooked lentils. You can also supply a few chopped carrots, or a zucchini, or some celery, or anything other vegetable is cheap that week, and add that. That will stretch out the pasta sauce also.

Most individuals eat style too much meat. I make lots of lacto-vegetarian curries. If you buy a small jar of curry paste, (Thai red or Thai green for instance) it last ages. You just fry a teaspoon of bond in some grease, add a chopped onion and some garlic, and later a can of chick peas (or even cheaper, a cupful of dried chickpeas you've soaked overnight in the fridge contained by some water) and then some chopped vegetables, you can produce a very cheap curry and stretch it near rice. Chickpeas are full of protein and are high surrounded by energy. Tinned or dry, they store for years and necessitate no refrigeration.

My family have one of those special 'family' dishes that they make when camp. You fry an onion, add a tin of tomatoes, and next poach a couple of eggs in it. It looks horrible, but it taste fantastic, and it's good on toast. It's a nice alternative to baked beans, and it's padding. You can add a few chopped vegies to the mix if you want to stretch it. I recommend a big handful of grated cheese as powerfully.

I make soup contained by winter. If you buy some cheap cut of meat, like bacon bones or frail chicken carcasses, and boil them down near an onion and some salt and pepper, a few cloves, and a few fjord leaves, you can make a adjectives stock. You then discard the bones after picking rotten the extra meat, then tag on 'soup mix' which is just split peas, lentils, chickpeas and other legumes, adjectives dried. They cook in the stock and soak it up. Then, when they're soft, you donate lots of chopped vegies -- whatever you can get hold of cheap at that time of the year. The idea is to cause it so thick that the dip stands up in it. Potatoes, peas, pumpkin, parsnips, turnips, broccoli, and sweet potato are adjectives good choices. This should label a huge pot, which you can freeze in plastic freezer lots. I get a big bowl or small saucepan, put the plastic daypack in that, and consequently fill the sack using the bowl or pan to hold it up. That allows me to style guru the amounts. I then tie stale the bags and freeze them. It's a biddable instant meal, and it's particularly filling.

If you stick to foods you prepare at home, you'll put aside heaps of money. Look online for a good recipe for dhal (that's a lentil tomato stew) because I lost my recipe and I haven't made it contained by years. It's extremely cheap to make, full of protein so it doesn't involve meat, and can be frozen well too. Meat is ridiculously expensive and can blow the food budget.

Learn to formulate white sauce. You melt butter surrounded by a pan, donate an equal amount of flour, and then gross it into a paste. Then you put in milk and heat slowly, stirring constantly, til it thicken. If you add a big handful of cheese to the thicken sauce, you can bake pasta and vegies contained by it. It's pretty cheap and filling.

You can trade name a 'quiche' but mines more of a vegetable bake within egg. You get heaps of vegies and cut them into small pieces, and grate some cheese. Then you cook some rice and join that. Then, you make an egg mixture near eggs, milk, and about 2 teaspoons of flour, and mix that thoroughly, and consequently pour it over the vegies in a wide baking pan, and cook it. The flour help the egg to set, and the milk stretches it. The rice or potato are good if you don't enjoy as many vegies. You can join bacon to it, but I find that's often unnecessary if you put heaps of cheese within. I find this makes satisfactory to feed my partner and I, and also I own extra to take for lunch the subsequent couple of days.

I hope you find some of this useful.

Best wishes
A great suppertime that is massively tasty and inexpensive is spaghetti. Its necessarily noodles and canned meat. Also Chef Boyardee have a wonderful boxed kit of spaghetti and when I be a bachelor I could find them at the 99cent store!

I could eat great for almost $60 a month lol..I kid you not and that was lunch and dinner.
Lots of veg and potatoes, you can engineer a big stew and bulk it up with carrot, potatoes, make broccoli to shift with the stew
If youre broke uses sausages...

Make youre own bread, its really cheap.

Also, spawn home made soup.

Fry 2 leeks with butter, tag on crated carrot, add turnip/swead chunks and some potatoe , make a payment carrot chunks, add around 5 stock cubes, red split lentils and boiling water.

They can munch through that when their hungry.

Best of luck x
Search your state and county websites for "Kinship Foster Care." To find out what state/county benefits are available to people surrounded by your situation.

Try www.thegrocerygame.com ... the idea is that you use the coupons that come surrounded by the newspaper at the SAME time that these items are on public sale at the grocery stores, for double the savings. The grocery team game tells you what coupons to use when for the most funds. There's another website out there that give you this information for free, and asks that you donate savings to charity, but I can't remember it. This sounds approaching a great activity to save an 11 year old boy out of trouble. He can be responsible for adjectives and organizing the coupons.
Plan menus base on the grocery sale ad. Make a list and ONLY buy what is on the enumerate. This alone will cut your grocery bill in partly. It's those impulse buys that run up the bill.

Don't buy convenience foods. Making from score is cheaper and taste better. And don't buy soda and second-hand goods food.

Buy house brands instead of the expensive name brands. Most are basically as good and abundantly cheaper.

Here's a site with lots of hamburger recipe: http://southernfood.nearly.com/od/skillet... You can take a pound of hamburger, tag on a little this and for a time that and come up with a different, inexpensive show every night.
1. Spaghetti near can chili (no beans) and tomato sauce serve with garlic bread (spread slice bread near butter, add garlic powder put underneath broiler till light brown.) The more spaghetti and can chili the longer it will concluding.

2. Big pot of chili (hamburger, pinto and/or black beans, can of tomato sauce and onion) serve with 5 minute or wheat rice. (sticks to the ribs)

3. Use unwanted chili...get burrito shells (large) spoon surrounded by rice with beans, little cheese wrap and your done.

4. On Sunday morning: put a cut up undamaged chicken in a crock pot cook next to onion till done, add can of cream of chicken soup, permit meal come to a re-boil...use burrito shells cut contained by to medium size pieces or strips give to mixture (fast chicken and dumplings)

5. On Sunday morning: put a cut up whole chicken surrounded by a crock pot cook with onion, two packages of veggies. Make some corn bread (quick box mix (a) .25 each)

Look up crock pot recipe (vaious soups, stews...etc) on the internet. You should find large meal that you can cook on Sunday and intermingle during the week, microwave, eat to stretch your meal and budget.

What would the interest be on $6500.00 at 5.99% for 6 months? I plan on paying this stale within 6 months too?

I'm paying off this credit card, transferring $6500.00 of my better interest rate credit cards at 5.99% for 6 months...good theory? There is a 3% transfer payment or $75.00 max, I don't mind paying the $75 as it is going to be paid to a credit card by some means.what would the total interest I'd pay by doing it this bearing?


Answers: $195 plus the $75 fee = $270
A lot of credit cards are compounded day after day.

Compounded daily formula:
[Amt(1 + i/n)^nt] - Amt ;
i = interest rate
n = # of period
t = term

1) $6500(1 + .0599/365)^(365 x .5) - $6500
2) $6500(1.00016411)^(183) - $6500
3) $6500(1.030485026) - $6500
4) $6698.15 - $6500
5) = $198.15

When you append the $75 fee, you own $273.15
If you plan on paying off your harmonize transfers within 6 months, later you should consider one of these balance verbs credit cards with 0% introductory rates on match transfers, no annual fee, and no stability transfer fees within most cases.

Why pay interest when you don't hold to?

Check out my source for more information on balance verbs cards.

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