What are your tips on in your favour contained by today's cutback?
Question:I have a great income as an arrange. However, with today's reduction and still very high-ranking housing prices, I find it almost impossible to buy a house or save brisk enough for a downpayment. I own saved in the order of 25K already, but I will need 50K more for downpayment and other fees.I enjoy read several finance books, but most of them do not cover coping next to todays economy and tailored to 24 year olds.
What are your nest egg and frugal living tips?
Answers:
Really straight forward: no unsecured debt. If you have credit card debt bring back rid of it. Use your 25K if necessary.
No motor payment - compensate off any installment loans you own. Use your savings if vital. You wil then know how to save expedentially respectively month.
What kind of house are you after beside $75K down? That's a huge down payment for a first time homeowner of any age!
Your first house should not be your dream house, it should be one that you can provide in 5-7 yrs to the subsequent first time home buyer.
Make sure the location supports the property. Buy the smallest/least expensive house in the best neighborhood.
Don't buy the biggest/most expensive house on the block...lose out on equity potential.
Other Answers:
If your company have a 401k or 457 or some ohter deferred compensation program sign up and hopefully they match your contribution up to a cretain %. If so this is free money. Max it if adjectives possible great for retirement future and due deferred. As for as saving for a down clearing look to Credit Unions for your highest rate of return on inventment explicitly secured by NCUA insurance. One credit Union I know is offering 5.45% on a 9 month share certificate min deposit $500.00.
You nouns like you know what you are doing. I would suggest that you consult beside an investment professional at your bank or from a private company (Edward Jones) and numeral out a portfolio for you that matches your investment goal.
Simple, but difficult. If you bring in $50,000, spend no more than $45,000. Stay out of debt. Stay away from Starbucks. Don't travel to movie theaters. Buy store brand foods, not national name brands. Drive a used motor with constrained features. You should be able to buy a home beside a $25K downpayment. Just don't buy a big expensive house.
As you found in most of the nouns books, make a plan follow that plan!?!? First, alteration the contribution rate to 10% then find out where on earth the money is going. Are you buying dinner out or are you making dinner? What services do you subscribe (cable, high speed, handset you don't use) try bundling those services if they are vital, but for cut them out. Think about groceries 60 dollars at the grocery store channel 180 dollars out to eat suitable equation for you 1 is 3. Also, the best retirement plan is your home and if you are as diligent as you sound you will do the research on where on earth and when to buy? Let me know if you need any comfort further at tbatch03@yahoo.com.
If I would have wait to buy a house until I had satisfactory for a down payment, I'd still be waiting because house prices creep up over time. When you buy a house, you start building equity beside your payments and from the appreciation in the house.
dont drive ur sports car walk or win a bike
Get in touch next to Dave Ramsey
www.daveramsey.com
Read his book. He has a SAFE formula.
GOOD LUCK
Read "Retire rich Retire young" by Robert Kiyosaki i bet it would do the trick.
Move to a location where on earth the cost of living is not so high. With 25K you can afford a nice house within Middle American States.
Frugal Spending tips.
These don't seem approaching much but can add up over time as resourcefully
Take extra Ketchup Mustard, Sugar and Salt & Pepper when you vist a store or fast food resturant.
Limit the amount of times you shift out to eat, the a lesser amount of the more yousave.
Limit your entertainment to movies on TV, go short cable TV. Read more
Have all those special features on the phone removed and buy an answering domestic device.
Lose the Cell Phoneo r have the company purchase and pay envelope for it.
$75,000 dollars for a downpayment? How much house are you planning on buying?! And where? There are heaps parts of the country where you already own enough to wages CASH for a starter home and have no mortgage, and no rent to recompense! If you did that, and then remunerated yourself a "fake" rent or mortgage into an investment account for the subsequent six years, you could probably pay change for a McMansion, if that's what you really want.
Assuming a 10% downpayment, to put $750,000 for a starter home in perspective, that's satisfactory money to LIVE at the Watergate Hotel in splendor for the subsequent 7 years (without the discount you would get for commiting to a long-term stay!)
I'll generate a wild guess that you are within California? Or you want to buy your first home in Kaua'i?
P.S. Today's cutback is no different than the economy have been since credit be invented, unles you look at it in little tiny time slots. And if you pilfer a short-term view, you'll never put together any money. So we already know you take a long-term panorama or you wouldn't have 25K!
PPS If you bought smaller amount house, and invested the next 50K until you retire, even if you never save another penny, you'd have around $7M assuming 4% inflation, 7% growth and retirement at 59.5
Good luck!
Spend less than you build. Max your 401k, and put the rest in Gold.
Carefully look at the interest rates for CDs at as many bank as possible, when the rates go up invest your money (the length of time is dependent on the amount of interest, if you can win 7% like I did a few yrs ago budge long term, if it is 2% or smaller quantity go to a yr or less), I did this and salaried CASH for the house I have (2 story, 5 bedroom, 4 bathroom, double lot, 2 sports car garage, wall to wall carpet within every room, and a full basement) then bought a NEW vehicle, and enjoy been "on vacation" for almost 2 years next to no income of any type except the interest I get on my CDs. You stick every available dollar into your side, when you get $5,000 acquire a CD, and do that every time you attain another $5,000, then when the disc becomes due invest the adjectives thing (interest and all) into the subsequent CD, do that for 7 years and you will enjoy more money than you ever thought you'd have. Meanwhile (for those 7 yrs) live as cheaply as you can and rescue for more CD's doing without very soon makes for an easier vivacity later. Nye
To attain full financial freedom and to obverse ever rising economy the with the sole purpose solution is to join and to craft your dreams come true log on to 'www.questnet' .all the best
dont spend
Wait to draw from hair cuts an extra week.
Skip the coffee, or lunches out, treat yourself solitary once the week
Clip coupons, and comparison shop
Try a high give up interest savings statement like HSBC, they don't own monthly fees or transfer frees, your money is out of site and out of mind.
If time permit get a cog time job, and salvage every dime you get from nearby, its not like you be used to making the money anyway.
Source(s):
Try Suze Orman Young Fabolous and Broke books
Most economical channel to verbs money($ to pound) to the UK?
Question:Answers:
The easiest and cheapest way to distribute money to the UK is by electronic transfer of funds into your portrayal from a bank in a foreign country. To do this, the bank in a foreign country will need:
* Your bank's signature and full address
* Your name as on your guard account
* Your edge account number (usually 8 figures)
* The bank's 6-figure sort code
Money can also be transferred using a banker's draft. This is a document drawn up by the dune in your home country and sent to you by post. You present the banker's draft to your dune in the UK. If someone transfers money to your commentary they should keep a copy of the paperwork, within case of problems.
You can also receive money by email if you own a Paypal account, and afterwards transfer the funds to your UK edge account within five working days. There is a charge for transferring money into and out of your Paypal account.
Other Answers:
Have you tried Paypal?
I deliberate they allow international money transfer.
Depends on the amount but if I be you I would take a look at places close to CustomHouse.co.uk, they have extraordinarily competitive bidoffers that beat paypal or dignified street banks by far. If the mass is big enough, you can even negotate your bid set aside. There are other webstes with similar services, but surrounded by my view it pays to step with reputable ones as after adjectives you're sending your cash into hyperspace
Is in attendance a channel to apply for a Grant to achieve myself out of debt or any other channel specifically not base on credit?
Question:Answers:
The government is NOT surrounded by the business of giving away free money for the sake of giving away money. If grants be available to get out of debt, consequently there would be not a soul in the USA who have debt and there will be no bankruptcy.
Grants are free, but it means OBLIGATION. You will be obligated to do as the give up sets out to do. Grants have objectives, and your purpose must fit the aim of the grant.
For one, you hold to write the grant application and the compromise application is not a simple document - you have to explain how your purpose for applying for the admit fits well next to the objectives set out by the grant. Grants own objectives, and the grant applications that best capture the grant's objectives are approved.
There is a stringent review process through a committee composed of federal employees and select experts in the corral. You will compete with other applicants for the give up money, and this grant review committee will evaluate the merits of respectively proposal. Only those that they feel exemplifies the aim of the grant will be approved.
Other Answers:
Good request for information, im waiting for an answer too.
I can tell you one point that will help...
Go to your local financial institution & appropriate out a loan for $500.00. Turn around & deposit it into a savings depiction in alike institution & do not touch it! Allow the institution to make monthly deduction & pay themself rotten. All you'll owe in the wind up is a nominal fee for interest. And, after 6 months, you've shown yourself competent to make monthly payments & it reflect positively on your credit rating.
Loan Consolidation is a great way to win out of debt, rather than repay your interest rates to separate companies, consider loan consolidation and lower your monthly payment and your years contained by debt.
Source(s):
www.wellsfargo.com
As far as I know, there's no such thing as a "grant" to reward off your debt. I'd see a credit counselor (be sure it's non-profit. Consumer Credit Counseling Services is a honest one if it has a branch in the neighbourhood you). They might be able to sustain you reduce interest and consolidate debt into one return.
I would similar to the stability of my accouunt?
Question:Answers:
0.24 cents in second quarter, due to this below limit amount, we've have to deduct $5 contained by maintenance fees of the justification every month.
Your total account very soon is -$9.46.
Other Answers:
Hey kid,,,,your account is overdrawn....
debt collectors are on their method, dont bother tying your dog and family up..cos you get to move soon anwyay....
cheers..
what bank are surrounded by atlanta georgia?
Question:Answers:
You also might want to try Bankrate.com. They don't let you survey for banks per se, but you can rummage through for deposit accounts offered by banks contained by a particular city. However, sometimes the listings include 'internet' bank which do not a brick-and-mortar presence in the city.
Other Answers:
wachovia , sun trust , sandbank of america , sbb&t
nations ridge. heres a few , type in bank in your hunt ingion , go to local , type an atlanta , or a metro atl, zipcode , and it sould bring up alot more
Source(s):
i live surrounded by metro atlanta
can you be given the afternoon past its sell-by date no remuneration as punishment?
Question:i'm a kitchen manager supposed to clear example out of me for other empoyee's far or not???Answers:
It depends on the state in which you are employed and whether or not you are a salaried or an hourly hand. Different states have different regulations. California, for instance, collectively does not allow docking a salaried employee's pay. You can contact the Labor Commissioner's department for your state and they will tell you whether or not what happen to you is legal within your state.
Other Answers:
It all depends on the state you live surrounded by and the company you work for. There is a trial period contained by some places that give you time stale without clear in place of termination.
Different companies have different policies. some companies phone call this type of action a "verdict day" where they transport the employee home to consent to them think more or less whether or not they want to keep their brief. You may want to try reading the company employee almanac. Most companies have strict policies concerning things of this manner. Your employer can dock your rate for disciplinary purposes. I would check your employee travel guide to see how disciplinary measures are taken. Usually docking pay would not come to pass with a first offense, so it may be drastic. Check out your guide and talk to your boss more or less it.
Yes, certainly. It's very celebration. And if you are the manager and you've done something to warrant one given the day bad without money, then your supervisor have every right to make you an example. Employees will do what the official does, not what the manager say. And if you are not the manager and I am only just reading your statement wrong, it's still appropriate for your supervisor to use you as an example if you have done something wrong.
you can of course be suspended for a day in need pay , whether its fiesta or not depends on what you did. however....if you are an hourly employee and if truth be told worked on that day for some time the company is obligated to pay you for that time.Yes.
Does everybody involve a financial tutor?
Question:How can I balance my income and expenses?Answers:
You can contact your local Consumer Credit Counseling Services. They hold classes on budgeting and that includes working to make ends come together by balance income and expenses. If one is not available, lift a class at the local community college on budgeting.
Other Answers:
i dont think u stipulation a financial adviser if can be sagacious .. just set priorities
and keep watch on Dr. Phill it helps sometimes ;-P
honourable luck
Dr. Phil ?!?
Everyone can benefit from professional guidance. The key is finding the right advisor. Some firms will enjoy minimum net worth or income requirements, but adjectives should offer a free initial consultation. Speak to a few planners surrounded by your area, notify them what you want to achieve and after ask them how they can help. Remember to ask them how they get hold of paid also. Some are tax based (they will charge you any a flat fee for a plan or an hourly rate), some are commissions-based (they capture paid by the financial institutions they represent) and some are both. Neither channel is necessarily right or wrong.
i earn $120,000 annually and would close to to know if you consider i can fiddle with a $750,000 house for 1 year.?
Question:Answers:
$750,000 with 0 down at 6% on a 30-yr fixed will sign out you with a $4,500/month compensation (on your ~$6,000/month take-home). After a year you'll have salaried off (essentially) 0 principle. That leaves you beside $1,500 for utilities, maintenance, insurance, etc. on the house. Plus food, motor, etc. for yourself.
Typically, mortgage brokers won't (or shouldn't) give you a loan next to a monthly payment that's > 25% of your monthly income.
Why risk it? What's the incentive for have this huge albtross around your neck for a year?
Other Answers:
If you enjoy to ask then I would vote probably not.
Well why would you only own it for 1 year. Are you planning on renting? Otherwise you need a down reimbursement etc to purchase
Your question is confusing. Do you scrounging you want to buy a house and only hold it for a year, then put on the market it?
You'd have to put down a generous down payment. Your monthly payments on the mortgage would be almost $3,000-4,000. Plus all those closing costs, fees, etc.
Not a prospect, even before taxes and insurance your clearance would be just lower than $5K/mo.
You don't bring that home at $120/yr.
You'd be comfortable at $350K house or under, assuming you are not swimming within other debt.
Depends on how you use you money. Do a spending plan. You can find a number of them on vein. My planner has one on his website, www.hfhplanning.com.
I don't infer that you should even consider getting a house that expensive at this time. The stock market is down, investor confidence is down, the national debt is up, and, within general, TRUE estate is currently overvalued. You probably could not even qualify for a mortgage for a $750,000 house.
People in the legitimate estate profession predict a decline in prices markedly soon. Oh, and don't forget that as mortgage rates increase, the price of houses goes down. Interest rates are increasing and will verbs to do so for the foreseeable future.
mortgage payments on $750,000 would be around $6-7000/mth, depending on terms and down pay
Probably not. Generally you want to buy a house that costs no more than 3-4 times your annual income. What is the point of over extending yourself on a home you can hardly afford so that you cannot buy the other cool things within life close to furniture.
$120,000 is very nice, but it is not going to be satisfactory for a $750,000 house. Absolutely not. Your house range ought to be more within the $175,000 to $300,000 bracket. You would end up struggling and regreting anything more. Only look at houses contained by that range. Really capture out there and weed through them. Have a up to date realtor help you sift through. Narrow it down to what you know you will soak up AND can afford. The peace of mind that you have knowing you can afford your lifestyle is critical to your strength, happiness, and well-being.
There are creative mortgage option in market where housing is this expensive that may weaken your payment but nearby are other considerations. What are the property taxes on that house? In my area, taxes alone on that house would be aproximately $23K a year! That's nearly $2000 a month resting on your mortgage and insurance!
I also don't recommend the more creative options because you don't really cut back the loan. Current market conditions within many cities (and most above all the most expensive markets) are in an overinflated condition. This vehicle prices are likely to any stagnate or drop over the next few years. This routine you could end up owing more on the house consequently it is worth.
Also loans of that size are usually harder to obtain. You are not credible to be able to nouns 100% and maybe not even 90%. Do you own $150K plus closing costs to put down?
Lastly if you expect to be there for singular one year, you are probably best not buying at all but renting as the probability of you not losing money over that period of time (remember that to put on the market the house you will also incur a realtor's fee) are pretty small.
As to your income and the ability to afford that amount - you don't mention what your debt nouns is or whether or not you have a inherited.
A standard rule of thumb is that your housing payment should be going on for 25% of your gross. This puts you in the field of about $2500 a month. That amount wants to cover your taxes, any hoa and insurance.
I'm pretty certain that lacking a really fat down grant, you're not going to buy $750K no matter how creative the financing is.
I own a house that's worth at least $750K, and I work segment time. OOPS, I left a few things out, I own owned and sold many houses surrounded by my lifetime, and flipped the profit from one to the next, bigger and better. I enjoy a good chunk of convert in the edge for the place I am at, (which is well over one years expenses,) and a slew of stuff to put up for sale if I needed to. My part time pays my modest mortgage and expenses. OOPS, the answer to your question is NO!
Do you know of a great substance loss product surrounded by the lattice work marketing world?
Question:Answers:
I think the push button is in whatch what do you it if you can you can establish food in those special place close to http://www.jennycraig.com/
it is not that expensive..!
Good luck!!
I own a query?
Question:I keep on spending money and i want to salvage but its really hard. What can i do?Answers:
hang on to a piggy bank for anything smaller amount than a dollar. Never use change to buy anything, other keep it for your piggy sandbank. Eventually, you will be so impressed with the shipment of the piggy bank, that you will be better motivated to squirrel away money.
Other Answers:
control yourself that' the mantra. you can do
#1 turn off the TV
it is unfolding you to spend your money
#2 there is no #2
you know what to do...
newly set a goal
I own similar problem. The money that you spend, split in two. Spend partly, save partially and stick to it! It works!
Put your money in a nest egg account, and dont agree to the balance get hold of under a abiding amount. Its called "self control"...
Savings depiction..outta sight outta mind!
Tear up your credit cards. Buy singular with currency. Take 10% of every paycheck and put ity into a savings depiction. Before you know it you'll have some money.
Use personal nouns manager software to relieve you see what your wasting your money on:
http://moneydance.com/ - this one is a payware you pay a once a year fee for it.
http://www.mechcad.net/products/acemoney/index_lite.shtml - Ace money lite is free and have alot of great features including pies and graphic charts.
It's impossible to do both at equal time unless you can really budget yourself. When saving become more important to you than the things you buy, you will start positive. Just realize that when you save money you can still buy adjectives those things you want (until you actually do buy something). I used to own a problem with it and I started out by truly hiding money. Then I auto deposited money in a stash account and tried to progress longer and longer without touching it. Now instead of getting excited something like buying things I get excited looking at my picture growing and knowing things will always be okay. Good Luck !
Start trying to let go $1, $5 or $10 every two week and purposely hide it. You will be surprise how you can store in 6 months. Do not touch it what so ever.
LC
I would approach my employer and fashion an adjustment to the W-4 form. This is the document that indicates how many dependents you hold (Employee's Withholding Allowance). On line 6, nearby is a blank for "Additional if any" Put $25 or $30 here. This means the employer will discount your regular payroll taxes plus the amount you put on line 6. When you database your tax return, you will own paid deeply more in than you should hold and you will get a roomy tax repayment check back at the lapse of the year.
The down side to this is that your money is not drawing interest, but the upside is that you are saving money next to no effort on your factor at all. It is taken out previously you are paid, and you can NOT get hold of the money back until you record your tax return. This should guarantee a generous chunk of change at the shutting down of the year.
Each time you get primed to buy something stop and think for a hot second "can I do in need this" or "I didn't have this past I came within here." That has help me to put that item right down where I picked it up from!
Discipline; start preparing a monthly budget for nest egg.
What is a 1900 $20 gold ingots piece worth. It have a gold ingots beazel around it for a necklace?
Question:Answers:
If this coin was not mounted and within good condition, its importance would be in the scope of $600 - $900 US Dollars. Being mounted in a necklace setting would curtail its value for most coin collectors though, so you can expect a bit smaller amount.
The condition of the coin is very momentous though, and the clarity of the coin is paramount. You can learn how to status the coin using any coin collecting book (see your local library) as they usually have an introductory paragraph explainnig the different grades.
Other Answers:
Hey, just bringing this dated question up for a vote.
whats the profession that get more money?
Question:Answers:
Hollywood stars, making $20 million a movie or $10 million per TV-season, qualify for many people's overpaid account. But for every one of those actors and actress, there are a thousand waiting table and taking bit movie parts or regional theater roles awaiting a big break that never comes.
"A lot of people are overpaid because near are certain things consumers newly don't want screwed up," said Bill Coleman, senior vice president of compensation for Salary.com. "You wouldn't want to board a plane flown by a second-rate pilot or hire a cheap wedding photographer to copy an event you hope happens once surrounded by your lifetime.
"With pro athletes, one owner is willing to reimburse big money for a star player and then adjectives the other players want to keep up beside the Joneses," Coleman said. "The art with CEO reward is making sure your CEO is above the median -- and you see where that go."
What follows is a list of the 10 most overpaid job in the U.S., contained by reverse order, drafted next to input from compensation experts:
10) Wedding photographers
Photographers typically charge $2,000 to $5,000 to shoot a wedding, for what amounts to a one-day assignment plus processing time. Some acquire $15,000 or more. Yet many mope through the work, bumping guests in their approach without apology, next to the attitude: "I'm just doing this for the money until Time or National Geographic call."
They must cover equipment and film-development costs. Still, many within major metropolitan areas who shoot two weddings respectively weekend in the May-to-October marry season pull contained by $100,000 for six months' work.
Yet let's face it; much of their work is mediocre. Have you ever really be wowed flipping the pages of a marriage ceremony album handed you by recent newlyweds? Annie Leibovitz and Richard Avedon they're not, but some charge fees as if they're within the same league.
9) Pilots for focal airlines
Captains with 12 years of experience earn up to $265 an hour at Delta, United, American and Northwest, which translates to $250,000 a year and more for a chore that technology is making almost fully automated.
By comparison, senior pilots at low-fare carriers resembling Southwest and Jet Blue make in the order of 40 percent less. That help explain why their employers are profitable while several of the majors are teeter on the brink of bankruptcy.
Other Answers:
Ummm...more money than what?
i guess all underground goings-on make the most money but u cant send for them professions so i can bet on acting, sports ,doctors ,lawyers , not necessarily surrounded by the same direct
who do you speak next to when you have a feeling close to you enjoy be over charged on a funeral service even in the past the servi
Question:Answers:
I would start with the owner or regulator of the firm you are dealing with.
Most firms will be considerate of your financial limitations.
They can also explain their charges and the reason for the cost.
It is difficult to give generalization on what you should expect to pay due to regional differences and the cost of doing business that vary from firm to firm.
You could also ask the funeral directors association from your state for help.
Many associations own a committee to assist the public with complaints.
how can i earn alot of money really suddenly at 14 years feeble??
Question:i need the money immediately!!Answers:
Define "alot."
And, sorry to say, at 14, it is unlikely you will spawn a lot of money really efficiently.
Mow lawns. Walk dogs. Wash cars. Babysit. Run errands for elderly people. And subsequent time... think ahead and squirrel away before the want is desperate.
Other Answers:
Sell your body.
get a opening. Mow lawns
Sell other peoples bodies :-)
go clear up some cars
my boys do every weekend round the close we live they get 1 pound for every saloon
You can't.
a lot of money? I'm 25 and still donno the answer:(
Why would a 14 year ripened need like mad of money? Are you on drugs...?
Mow yards, babysit, verbs weeds. Unfortunately here is no way to get hold of money really quickly unless you be born with a silver spoon contained by your mouth. sorry.
ebay, baby sit, treatise round, odd job.
I am not going to say deal in your body but whatever you resembling or believe is best for you to start or participate contained by for your age group.
Sell things on Ebay. You will need a credit card from your parents to set up an report but you can sell aged CD's clothes, skateboards- whatever. And an auction is solitary 7 days long so you can make $ in one week.
Good luck!
Do your parents have a pressure washer? If so-make some flyers and distribute surrounded by your area/street. You can charge between $30-50 just to do the average driveway.
What permissible rights do I hold on a dispute over a payment deposit?
Question:I recently rented a house for a week at the seaside. After leaving the house the hotelier informed me that damage to a dresser be caused, and the dresser needed to be replaced. I compensated a 1200 dollar security deposit for the week, and the landord will be deduct paymetn for the dresser from this. I know this damage be not caused by myself. What legalized standing do I have over this situation?Thank you exceptionally much.
Answers:
The laws are different between states. Look up that state's department of consumer affairs. Also NOLO have some good resources. Links below.
You don't stipulation to consult a lawyer, it will cost you more. In nonspecific, figure out what your rights are (specific section of the state code) and threaten the landlord, citing the code. Inform them contained by writing that you'll take them to the small claims court if they don't comply. If they doesn't respond (there may be time limitations as to how long they can keep your deposit since returning it), be prepared to follow through with your promise.
Also, subsequent time make sure that you receive two little papers before checking contained by and out -- they should be inspection-like sheets with damages stated on them (and produce sure you review them thoroughly and agree). CA requires landlords to provide them in a impressively timely manner -- usually you capture the move-in when you sign the lease, and move-out before you move out, and if the manager doesn't provide it, the law is on your side. It may be for a while different for shorter stays, I don't know for sure, but this paper would free you every time in the eyes of the directive.
Other Answers:
I suggest you consult a lawyer. The law are different in respectively state.
unless you can prove that the dresser wasnt damaged by you, you probably wont attain your full deposit back.. if you want to try to embezzle the landlord to court, ring the small claims court in your local municipal court and ask them, they might know how to give you more accurate information.
I've have those scummy type of landlords who lie more or less stuff just to save rent. You can go to small claims court and record a suit against the landlord.
Since the tenant is getting money from the dresser, the burden of proof is on the landlord who will own to prove you damaged the dresser.