Is at hand any websites u can budge on which rate u for doing surveys?
Question:
Answers:
The rule, as always, is to stay away from those that ask you to compensate before you can return with these surveys.
Legitimate market survey companies such as Pinecone Research conscript members base on demographic characteristics -- e.g. mothers of babies 0-12 years old -- and will transport surveys of products and services targeting this demographic group. Pinecone Research, however, pays with the sole purpose $5 per survey -- you're definitely not going to be rich near that. They can give you anywhere from 1-5 at most surveys contained by a month.
Other companies simply ask you to answer as many research as possible, and you don't earn anything freshly the chance to win at a raffle (which I find lame).
Pinecone Research http://www.pineconeresearch.com...
GreenField Online http://www.greenfieldonline.com...
Harris Poll Online http://www.harrispollonline.com...
BuzzBack http://www.buzzback.com
SurveySite http://www.surveysite.com
SurveySavvy http://www.surveysavvy.com
Survey Spot http://www.surveyspot.com/
http://www.internetpaidsurveys.com/...
near all scam.
i saw this one and saved it to my favorites, i own no idea if its legit, i've be meaning to check it out
http://surveyupdate.com/
I do salaried surveys for a site called www.lightspeedpanel.com they are reliable and I've be paid by them 6 times (once a month) since December.
I also hold a website with sites that enjoy paid me www.geocities.com/gpcdon All of the sites on my page enjoy paid me and I enjoy some PayPal screenshots of the money I've received.
Finally, if you like adjectives of them feel free to email me at gpcdon@yahoo.com and I can distribute you referral links to two more survey sites that I do
Hope this helps,
Glen
The trick to making devout money from survey sites is to belong to more than one site! That way within are more offers that are available to you! I hold been making moral money for over a year now from a cooperation that I found from a previous answerer!
http://www.treasuretrooper.com/281322...
This is a good site for getting salaried for surveys. They have a day after day survey that you get salaried $0.75 to take. There are also plentiful other surveys and offers that you can clutch and get salaried.
http://www.inboxdollars.com/?r=brandonwa...
This is a good site to earn some extra money. You gain paid $5.00 to sign up. They enjoy a daily $1.00 survey that you bring back paid to thieve. You also read e-mails. You get remunerated $0.02 - $0.10 per e-mail. They also have a great deal of cash offer and other surveys to do to get rewarded for.
http://hits4pay.com/members/index.cgi?sa...
This is a good site to sign up for. You draw from $10.00 just to sign up and afterwards get remunerated $.02 per e-mail to read e-mails. It won't make you rich but you can kind some easy money.
Credit give a hand.?
Question:
My credit score is extremely low, and I am at the point surrounded by my life where on earth I want to finally buy a car and receive an apartment. Any help on how to upgrade this? Most of the things on my report have be charged off.
Answers:
Here is a simple solutions, but it have it's limits. There are "credit Builders" out here that help you by have you piggy back on other poeples flawless credit. What this does is show up on your credit report as a long credit with surefire history. This will increase your score. Of course within the meantime you must do what you can to pay off/eliminate your other distrustful debt. Now here is the catch.. Credit Builders(many out there) use a loophole contained by the credit reporting criteria to increase peoples scores. You do not hold any access to the credit you are using (on your credit report), but it will look like you are an authorized user. So the corner. 1. it's expensive, but weigh in the time it take to work and what it can do for you. 2. the credit agencies have caught snake of this... on is changing it's criteria surrounded by late 2007 and the 2 others aren't doing so until sometime contained by 2008. So if this was something that you needed your score to increase from 30 to 130+(depending on $ and program) and you were looking short possession... under subsequent 6 months.. this is perfect. if you hold the dough to spend on it.
good luck and hang on to working hard but don't forget to find those loopholes and use them for adjectives they are worth.
Unfortunately the charge offs look really bad and they stay on your credit for 7 years. There are a couple of things you can do:
Contact your creditors that charged stale your accounts and see if you can settle them for a smaller amount. Once the smaller amount is paid the accounts will be planned as paid as agreed.
Start rebuilding your credit next to a secured credit card.
I loaned a friend a generous amount of money, and they hold has-been to rate me fund. What can I do?
Question:
Answers:
Oh boy. Not sure what a large amount is but small claims is a devout way to run. He/she will claim it's a gift so any documentation will support.
Pretty common problem. Suggest you write him/her a reminder requesting repayment, line up witnesses, obtain legal counsel if it's an amount that exceeds the small claims shorten.
Be insistent and persistent.
I am sorry this happen to you--good people are regularly ill treated surrounded by this world.
if you got not documents of the loan consequently you can try fighting it within court but if theres no written agreement you are pretty much going to have to munch through it. Never loan friends money is my policy.
Ah...life's lesson learned huh?...Been here done that...take him/her to court. Sorry to say-so. If they are really a friend they shoudnt get cracked..especially over your money.
I never loan money to a friend, If they need relief financially, I give them the money next to no strings attached...Otherwise you will lose a friend and become jaded to the world that no one can be trusted.....Last summer my oldest friend call me and asked me for help, he have a loving wife, two greta daughters, however going through a job transition and must hold really need some help out..so I agreed to pay his mortgage for 3 months to dispense him some breathing room....Glad to say he found a completely good Director mission with a Museum....We hold never talked in the order of the money or anything other then our friendship, and it be not like I have $5,000 just sitting around...I regard as I gave him my finishing dollars....I would not have it any other means of access....NEVER loan anyone money, if they need it and you enjoy some just furnish it to them.
If they are a very flawless friend, write off the money and if they compensate you back someday be obliged. If they are not a good friend, start next to an invoice. If that doesn't work then sue them and grasp your judgment.
Unfortunately you are achievement life experience. It is both strong and expensive. You will probably not see this money again if you are having trouble getting it wager on. Don't lend anything that you can't live without.
Sue.
Lose the friend or lose the money.you newly have to want which one means more to you.
Debt consolidation next to appalling credit?
Question:
Where can I get a debt consolidation when we own terrible credit, and a complex debt to income ratio?
We need to consolidate BADLY...but local bank can't help..
what is a obedient reliable company?
Answers:
Opt for a debt consolidation loan: The easiest method of getting a debt consolidation loan is to utilize the equity of your home. Equity of your home is calculated and determined by the difference in the amount you enjoy paid and the amount you owe. If the amount you own paid is more than the amount due, you can use it as collateral. This allows you to borrow money on lower interest rates. Besides, you also bring back tax benefit on this type of loan. Consult your tariff advisor before opt for this loan.
Maybe start working on a budget, so you can live within your funds.
Read Dave Ramsey's site. he can point you in the right direction.
EDIT: debt consolidation doesn't generate debt disappear. and it's not always the right choice any.
You can search consolidation programs online but I would other check with the BBB to get sure these companies are legit. Shop around, ask tons of questions and afterwards decide which is best for you. I used one several years ago but I don't hold their information with me to exceed it on. Keep in mind that debt consolidation does nto extend you credit. You will enjoy to cut up any credit cards that you are putting into the program. You won't be able to apply for credit while within debt consolidation either.
Example question:
What if they can not negotiate with a creditor?
Is at hand a fee?
Length of program
Can they facilitate with accounts already surrounded by collections
Ways to make higher $130?
Question:
Besides yardwork, allowance(i don't get that), and babysitting.
Answers:
wash cars, making stuff and selling it
Recycle bottles and cans. Work surrounded by a chicken farming facility..."do chickens hold large talons?"
only just get a commission....
Dress like a bum and panhadle the local corner
heat sale
- Run errands for neighbors
- Hold a saloon wash
- Tutor someone
Ask 13 population for a dollar, every day, for ten days.
Make sure you hit up differant ethnic group!
-Tim
Mowing other peoples yards for a $1.00 a grassland. Washing there widows for matching. Make a cake and sell it for more. A kool-aide stand which usually works very well if you live in a liberal neighborhood (lol)!
If I be paid 40,000 a year, can I afford payments on a 125,000 house?
Question:
I know circumstances are different for everyone but ... on average?
That breaks down to about 3,300 a month ...
idk. i'm basically thinking here.
any insights from homeowners or clever people are appreciated. ; )
Answers:
Natalie,
Of course you are correct that here are alot of variables.
However if we assume no money down, and that you live someplace with moderate property taxes, next your payment will be give or take a few 1250 each month. My house be within a thousand dollars of what you tabled. That's about my donation. Right now, interest is thoroughly low, and that will help but your allowance can always be estimated at nearly 1% of the price of your house.
Generally, most sources of financial advice will enlighten you to keep your house clearance at 25% or less than your nick home pay. This house would be almost 1/3 of yours - or 33%. You will also have repairs and other upkeep to consider.
The bottom dash is: it would be tight. You can do it, and there's no doubt that you can find a lender that would approve it if you credit is clothed, but it will be tight.
So - the decision will be that if you obtain the house, do you want to be careful near other stuff - restaurant meals, coup¨¦ payments, trips, and stuff like that.
If it be me, and I were you, I'd write down a budget. Don't forget anything, because if you underestimate, and your outgo is even a tiny bit more than your income, you will finish off up in trouble over time. I stingy - put down birthday and Christmas costs averaged out, pocket money for vending machines at work, dog food if you have dogs, product an estimate at car repair and put within an average for that each month, and so on. Keep contained by mind that your car today won't concluding forever and you'll need to replace it - probably until that time you move again. Make sure that you put in an unlabeled 10% 'slush' fund for problems - around 300 bucks. You may not need it tomorrow or subsequent month, but at some point in the subsequent year, the slush fund will save your keister and you'll thank God you did it.
If you carry your budget done, and you think you could swing a 1250 donation, with around 300 extra for emergencies of anything type, repairs, and other unanticipated issues, on top of your other expenses, afterwards, you'll probably be fine.
If you are in the hole printed, you will definitely budge in the hole surrounded by real go. I am sorry if this is bad report, but I hope the numbers work out. One thing that can generate a huge difference is renting a room to someone - hopefully a friend. A nice room w/ house privileges should go for around 5-600 bucks.
Good luck next to it - Kevin
I AM DOING IT RIGHT NOW. ANYTHING IS POSSIBLE IF YOU WANT IT BAD ENOUGH AND CAN BUDGET.
don't forget that it won't just be payments, but any fix it projects or emergency that come up as well...
OMG - NO! You obligation to find more income. Could you rent out part of the house?
Good luck! :)
Your principal and interest payments will be roughly $800 per month, plus monthly property taxes and insurance. That will represents about 30% of your gross income. Don't know what other debt nouns you are carrying, so that's hard to trendsetter, but if you're not grossly into other debt, you should be able to order well on that.
Its according what else you clear , The House will run around 1200
a month for 30 years
A lot of bankers use a formula that your mortgage should be no more than 3-5 years salary.
At lease, until that time the bankers realized that if you overstretched yourself, they'll be collecting interest payments for enthusiasm, and they'll still be able to keep hold of the house.
Depends on your credit ranking , which determines your % rate . . . will yours be high or low ?
Also , how much will you put down ? If smaller number than 20% ($25K) , you will also have PMI added to your monthly payments ,
So your montly will be the principal + % (depending against your score) + taxes + insurance and possibly PMI if you don't have the $25,000 .
Ask several lenders to do a prequalification message for you (those are free) .
That will let you know where on earth you stand % rate wise and if you can afford it .
Also liberate that 20% down and never have to payment PMI.
Good Luck !
>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>...
Car Buying Question!!?
Question:
I am thinking about buying a motor. The car cost 15, 000 dollars. Do I money for the car within cash or do I resign from the cash contained by a Money Market account and agree to it accrue intrest at 5% while paying the car past its sell-by date in three years.
Answers:
Auto nouns is what I do for a living and I agree with the first poster.
If your credit mark is below 720, put $5,000.00 down and finance the rest for 24-months. Make at lowest possible 12-payments before you payment it off.
This will make higher you score approx. 75-points.
If your credit is above 720, next you don't need the coup¨¦ loan to help it so newly pay lolly.
You need to look at the interest rate you will be paying. If you enjoy a high credit evaluation, you don't need the loan to support boost it, I would pay lolly. If you need to boost your win because it is under 700, I would consider losing money on the investment and get the car loan. I would also try to retribution off quicker than 3 years.
I don't know.
Maybe you could see what others are doing
at a social loan club approaching prosper.
What ever you do, don't buy a Saturn.
NO ONE can afford car payments. You you enjoy the money, it is ALWAYS better to pay currency. You can always put the amount you would enjoy had as a coup¨¦ payment final in the Money Market commentary. If you get hit by unanticipated problems, the Money Market won't reposes the car.
What would you presume if I did this differently?
Question:
Back in 2000 when I be 21 years old after newly I blew my entire savings of $11,000, I know I made a horrible mistake.
If I had to stir through that time and so forth all over again mortal physically being 21 but knowing everything I know in a minute at 28 and as some people around me advise that I should get that 1998 white Camaro near 24K miles because it's reliable, I would DEFINTIELY laugh contained by their faces very soon and tell them they've gotta be out of their God-damn minds and must deduce I'm an indiot if I'm just gonna blow my enitre stash of $11,000 away. I would ask them what the hell I'm doing on these new saloon lots and have them purloin me to a private seller and return with a car for as cheap as $3000, preserve $1,000 for tools and repairs, have fun near $1,000 on beer, girls, strip clubs, etc., and keep $6,000 contained by my bank and not even touch it.
That what I would've done have I known what I know very soon.
What would you think of my much better financial conclusion.
I WOULD'VE STILL HAD OVER $5,000!
Answers:
It's called grow elder and wiser. Ten years from now and you look stern at today, you wish you would enjoy done things you do today differently too. So just live time the way you guess it's best for you at this moment.
At 4%, $6000 left Alone for 7 years would be around $7500. That would probably buy the '98 Camaro today an depart from you with doesn`t matter what you got for the $3000 motor.
Why is it required for checks to be cleared electronically for subsequent year available but electronic fund verbs
Question:
and ACH's still take 3 days?
Answers:
Because a check is a allowed tender like lolly. If you wrote me a check, I could use it that same day to return with my money from you. EFT have a susceptibility to hold the money, but don't leave the description until both banks are self-satisfied that the money is there.
I don't know where on earth you are banking or within what context (ie business acct to a personal acct or business to business) but checks are not required to clear in 24 hours. Generally what in truth happens is the delivery bank's electronic system does an initial check of the balance to ensure that it is here but they can still declare the check to be NSF (not sufficient funds) for in the order of a week. I have see it happen to my clients since. Also, I have never hear of a bank taking 3 days to gross EFTs or ACHs clear. One of my clients used to routinely make multimillion dollar EFTs(wires) from one report at one bank to another side using online banking portals and afterwards immediately making a transmittal for that amount out of the second account to a third gathering. Check with your hill on this to see what the holdup is.
How can I formulate $30 within ten days?
Question:
I need to enjoy $50 by July 6th, about 10 days away. I already enjoy $20, from helping my next door neighbor. All I have need of now is $30. Can anyone furnish me ideas on how to find the money?
Answers:
Offer to mow lawns, baby sit, purify cars, sweep walkways, clean-up rose bushes, totter peoples dogs, filing and if you are experienced of it, computer work. Just do up a flyer with your term and number (with parents permission) and take it to everyone within your extended neighborhood.
Mow lawns - pick up aluminum cans to be recycled - own a bake Dutch auction, sell Krispy Kream donuts or a cool aid stand...
Ask someone who requests a baby sitter or in close proximity by houses if they need a cleaner. You can find some interim jobs on your communication paper.
I started doing surveys and stuff at Treasuretrooper: http://www.treasuretrooper.com/262212...
I've made $75 within a month, not great but it is looking even better this month, I know the top earner makes over $500 a month. Best of adjectives it is completely free.
Im 16! and NEED Your Help?
Question:
Im soon to be 16 and would like to buy of Ebay!
Are you competent to use a debit card? if so how do i obtain one?
Answers:
Yes. Do you enjoy a bank story, like a checking story? You just run to your bank and ask for one. Or you can look online to see where on earth you can buy a Prepaid Visa.
Apply for a bank reason with debit card.
Be thorough u dont get addicted!!
steal one resembling every other fookin teenager
GETTING INTO DEPT WITH A CARD AT 16 , extremely bad , I HAVE NEVER HAD A CARD AND NEVER WILL
I reckon you need to be 18 to buy past its sell-by date of Ebay and you can obtain a debit card from your sandbank. Phone them and go surrounded by for an interview and they will be able to sort somethign out the may just offer you a Visa Electron card but you can still use this to purchase thingsAND you won't draw from into debt with a debit card! You can solely spend what is in your reason it is not the same as a credit card!
ok, i truly did this last november when i be 16. go to HSBC, and as for a debit card narrative (i believe its called a flexi saver), you will stipulation your passport and some other ID. Shouldnt take long to do and afterwards after about a week they will transport you your debit card, which will be a SOLO card. Then go to ebay, clear an account (dont even stipulation a card to do this, but will need to contend you are 18, i did and nothings happened so it doesnt really matter).
Then budge to paypal, register, you will need the card. Best item to do is verify your account, which is extraordinarily simple and they provide step by step walkthroughs.
Once you have both set up you are organized to buy and sell. Easy as that. Also great for amazon and other online retailers.
Ive be using ebay since before i be 18, just used a debit card from Halifax...simple ample really ^_^
you can also use a visa electron card
ebay can become addictive and it's very flowing to keep bidding so of late be very guarded!
Thats why parents come in adjectives sometimes, they do know how to advise their children in the region of opening the first guard account.
Do run to your bank when you start earn, they will advise you adjectives you want.
You can buy using a debit card but most people use PayPal for on-line purchases or a credit card.
I focus it would be easier for you to get a paypal description... you do have a mound account don't you??
You entail to be aged 18 or over i think.
Don't do it; its addictive.
Why not use a friend / family account next to their help ?
Or try the 'Trading Assistants' , but instead of their assist on selling your items, ask them for assistance in buying stale eBay.
seek counsel from a senior officer.
Food Stamp Eligibility?
Question:
I live in New York and I'm currently unloading Worker's Comp. I make 760 a month. I live near my parents and give 200 dollars a month to them towards rent. I am 3 months pregnant and though I preference I could go out and work I cannot at this time due to an injury. I own bills to pay which I really cannot afford to clear at this time and after spending money on food I truly have no money departed for necessities. Does anyone know if I am eligible for foodstamps if I live in a household near my parents? My mother is disabled from diabetes and cancer and my father is retired. Do I have to include them as member of the household when I apply?
Thanks so much.
Answers:
Just tell them that you prepare and store food seperately from other people members and it will be resembling a roommate situation. There should be no problem. Apply for WIC (free formula and cheese, etc till he's 5)...saved me a LOT of money. and medicaid on him. You do enjoy to include them on the app but just report to them you buy food seperately from them..be sure to tell them you are pregnant..you will get hold of 2 x as much food. GL
I'm sure that since you are pregnant that you would qualify...also try WIC. Ask your local Department of Human Services about WIC. I'd step ahead and apply.
Also, has your mom applied for SSD? If not, she should try that. And yes, you enjoy to include them as members of your household...aslo their income counts. Good luck!!
Unless the policy have changed if you purchase and per pair your food separately form the other household member you can be a separate household and only your income and assets are counted.
Update:Removing my wife from my credit card accounts that get a stability will affect her credit gain?
Question:
Actually, the accounts are in devout standings, never missed a payment. I already removed her from some closed accounts that still pass a balance, and I be wondering whether removing her from other cards that are almost maxed out would impove her credit. The cards are in my baptize.
Answers:
you can remove her while you still have a stability (ive removed someone while i had a harmonize, just right to be heard they are no longer authorized to use the account) i think it will in truth be less favorable for her credit because it might appear as a closed commentary on her report. but of course that isnt necessarily a really refusal thing approaching having missed payments but you kno they similar to to see your accounts open for as long as possible and adjectives in virtuous standing!
Until the cards are paid bad, you CAN'T remove her from the accounts. The card issuers won't give up the right to collect from anyone currently on the statement as long as there is a be a foil for due.
Any perfect bank surrounded by Tulsa Oklahoma that not on chexsystems?
Question:
I need to sign up next to any banks that are not contained by chexsystems. I got reported $134.00 to chexsystems and they sent to collection. What should I do or where on earth to open a edge account for checking and abiding? Thanks!
Answers:
Why don't you just pay packet the $134.00 to chexsystems and clear your name so you can use a check. The majority of vendor use all the check databases surrounded by order to process a check anyways you may not be capable of use checks even if your bank does not use this unusual service.
why not pay what you owe? why avoid what you did? the rest of us closing stages up paying for your actions
adjectives banks are required to run any different customers through chexsystems-how long ago did this happen if it is more than 6 months some times bank will let it dance as long as it's a smaller amount-you should call chex systems and see if you can craft arrangments to pay your bill bad a little at a time-good luck!
How do you adjectives cut costs?
Question:
I need some concept to save money..I am a latest stay at home monm and with me worn-out we need to let go money somewhere.Any little ideas would be agreeable
Answers:
Cut coupons, don't buy anything on a whim, keep hold of thermostat set at 78 degrees, plan meal ahead of time things that can be reheated as leftovers for another suppertime, wash dishes by paw and not dishwasher, wash clothes and paw outside on a clothes line, look for 2 for one deal or buy one get one free deal when grocery shopping and keep cupboard or pantry stocked that channel.
Cooking bean, rice, potatoes, pastas, cornbread, and making things from scratch inside of buying box meal are better and you get more.
Make more powder teas and mix drinks (crystal lights) and don't discharge the price for high priced sodas unless they are on public sale at a good price. after stock up then.
I find that Scotts toliet tissue if you can find it on mart in the bigger packages it later alot longer than any other brand.
Plant a veg garden in voluminous containers if you like fresh veggies such as tomatoes, use rubbish cans or huge deep Styrofoam coolers.
Take baths instead of showers.
Water down the shower gel and shampoos makes it stretch and you fuzz gets purely as clean.
It is a concern of waste not want not. Ask yourself earlier you buy , "Do I need it or do I want it?"
Have courtyard sales of those things you preserve around, but really have unacquainted or worn in a year.
Shop for gifts and most household things at Dollar Stores.
Be tight-fisted that what you buy you might still get cheaper at a regular store.
Try buying generic food. Or asking yourself when you buy something if you really necessitate it!
Cable tv, cigarettes, eating out, starbucks (coffee etc.), shop at Costco
Use coupons. I run to www.thecouponclippers.com all the time and carry coupons from there. If you time it right and buy the things you generally use when they are on sale and combine it beside coupon usage, then you'll collect a ton of cash.
Also look in www.consumersavvytips.com and read through the articles there. There's a ton of information on ways to liberate money.
I don't drive. Saving on gas and insurance is a huge plus. It costs me $10 a week to ride the bus. That's $520 annually. I can't even get gas and insurance for that for 3 months. I ride my bike if the weather is well brought-up and save the bus fare. (Either mode they're both better for the environment than using a car near a single commuter.)
Additionally, don't eat out, be paid food at home it's cheaper.
Turn of electrical things when you aren't using them (lights, tvs, computers, etc).
Don't go to the movies, rent video from the library (they are free).
Don't buy things just because they are on Dutch auction. Think "Do I really need this?"
Pay for everything next to cash. It's graceful to charge things, but if you have to fork over the greenbacks you'll be restricted by the amount on you and you'll see what you are actually giving up contained by exchange for the item(s) you are getting.
I did the same entity. I first started a "budget" or a list of adjectives the expenses I had. I wrote the essential and the frills on two lists. (for that you enjoy to be totally honest about what is a necessity and what isn't) After I figure out how much was coming contained by and how much I had to spend I realize there be some cutting to be done. Not consumption out cuts a lot of money. Trying to do as much as I could surrounded by one trip saved gas when going out to do errands. Paying bills online save on stamps. Buying in bulk for items I would really use help. Not buying stuff just because I have a coupon helped because I have been buying stuff I didn't really use a short time ago because it had a coupon. Being authentic about spending. I call a bunch of places to see if I could lower my costs for things like motor insurance. Not having huge cable/satellite packages when you can bring by on the basic service or no service. I similar to to bake so I baked bread and other items and froze them so I didn't own to spend the high cost of those things. Giving up the things I thought be a necessity but weren't really once I was authentic about it made a difference.
don't devour out, you can save lots of money by buying food at the grocery store instead of going to restaurants.
Rent movies and survey them at home instead of going to movies, or better yet, gain them free at the library
save gas by using the most fuel-efficient vehicle you enjoy available and combine trips and wait to breed trips until they are necessary.
shop your insurance rates and see if you can release money on your car insurance by switching policies.
construct sure you pay past its sell-by date credit card bills each month, interest is approaching flushing money down the toilet.
buy cheap clothes rather than name-brand, and cram to sew so you don't need current clothes as often.
appointment your cell phone company and see if they will give you a discount for re-commiting to a unsullied contract (only works if your contract is up and your on month-to-month terms)
cancel your home phone and use your cell phone for everything if you hold spare minutes anyways.
clip coupons for food and watch the grocery ad, plan meals around whats on mart.
.
Use cleaning rags instead of thesis towels. Rags can be old t-shirts or washcloths. When they return with dirty you can wash over and over again. Turn past its sell-by date any lights or other electrical things when you do not need them. Buy groceries at discount stores, and do not buy lots of soda pop and candy and chips and unwanted items food..stick to good, mature fashioned food. Do not have a pet, their appetites and vet bills can really run up a budget. Check out a attractiveness school for haircut or do your own. I know it is not done much anymore, but using cloth diapers is a HUGE saving on one's budget. Use the disposable ones with the sole purpose on trips. I applaud you for staying home with your infant ! WONDERFUL !
First thing you stipulation to do is know where your money go.keep a publication (both you and husband) detail every penny comming in and going out...after a month you will hold an idea where on earth your money is going and some cuts will become very adjectives...you will be amazed at how much some of the small daily totals add on up such as Starbucks...daily tabloid...things that seem small adjectives the sudden take on a untried light...Then as someone already said cause a budget...ckeck each item "can't live without" "Can live without"...others own covered ideas I would attach so wont go into those...foremost thing is to know where on earth your money is going thats half the clash.
don't spend on anything that you don't need. freshly use it for food and rent, until you find a good errand. if you are working, then unstop up a savings side, and deposit every nickel and dimes.