I consider I'm a compulsive shopper!?
I think I have a spending problem. I create about an extra 300 dollars a month after my bills are paid, and on the other hand I only ahve 200 bucks in money. I have two credit cards, one for 1000 and the other for 1500, the one for 1000 has 400 dollars charged on it, and the one for 1500 have 400 charged on it. I know this can't look good for my credit. The problem is I can't stop spending money! I just bought 160 dollars worth of clothes, I permissible it by saying they were summer clothes, but I already hold clothes from last summer that I could wear. I make a budget and conduct yourself liek I'm going to stick to it but I always end up buying clothes. Anyone else on here ever have this problem and have any advice> I know people are merely going to say "stop buying" which is a solution but its much harder than just stopping. Thank you for any suggestion.
Answers: Limit your use of both credit cards and start paying the balances down. What ever you do, don't get another credit card. Do not max out any credit card. Put yourself on a budget and spend responsibly and wisely. The last piece you need to do is be in debt (a) 19. Which happen all time.
You need to read "The Total Money Makeover" by Dave Ramsey. You can listen to him on the network, www.daveramsey.com. If you payed the dept off and started saving at your age you could retire a millionaire! return with rid of one of the credit cards and use the other one for emergencies only. use the extra 300 that u own left over on shopping.
pay bad the credit cards then rip them up well i used to be approaching that until i finally realized that when you get the bills for the big money you spent next you'll that you could of saved that money and used it for something more useful.lol...i used to buy abundantly of clothes but then later on after that i found something i really like and wanted so bad...but i couldn't attain it because i owed so much money and couldnt affored it..i hope you can help your problems...it should work the way you really want it to if you work sturdy at it...
Try hard...
Good luck
amber
well start past its sell-by date by seeing how you get paid, do you attain the money put in your hand? if so conceivably you can set it to direct deposit? what you need to think roughly is all that stuff you buy is very nice, but if something big be to happen like a house fire or your fastidiousness breaking down you wont have the money to get chronological that.
i save a big portion of my money because i never see it at all. its contained by a account that i do not hold that card on me.
you need to hide away money its a must.
heres how i started to save. lets voice you do get 400 more a month. well start out the 1st month by individual putting away 50 per month. and keep raiseing it by 5 more each month(or more if you see you can live minus that).
and last if you keep spending money find someone to backing you. if you need to spend 100 to help you pick up do so. it will become more and more important.
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Answers: Limit your use of both credit cards and start paying the balances down. What ever you do, don't get another credit card. Do not max out any credit card. Put yourself on a budget and spend responsibly and wisely. The last piece you need to do is be in debt (a) 19. Which happen all time.
You need to read "The Total Money Makeover" by Dave Ramsey. You can listen to him on the network, www.daveramsey.com. If you payed the dept off and started saving at your age you could retire a millionaire! return with rid of one of the credit cards and use the other one for emergencies only. use the extra 300 that u own left over on shopping.
pay bad the credit cards then rip them up well i used to be approaching that until i finally realized that when you get the bills for the big money you spent next you'll that you could of saved that money and used it for something more useful.lol...i used to buy abundantly of clothes but then later on after that i found something i really like and wanted so bad...but i couldn't attain it because i owed so much money and couldnt affored it..i hope you can help your problems...it should work the way you really want it to if you work sturdy at it...
Try hard...
Good luck
amber
well start past its sell-by date by seeing how you get paid, do you attain the money put in your hand? if so conceivably you can set it to direct deposit? what you need to think roughly is all that stuff you buy is very nice, but if something big be to happen like a house fire or your fastidiousness breaking down you wont have the money to get chronological that.
i save a big portion of my money because i never see it at all. its contained by a account that i do not hold that card on me.
you need to hide away money its a must.
heres how i started to save. lets voice you do get 400 more a month. well start out the 1st month by individual putting away 50 per month. and keep raiseing it by 5 more each month(or more if you see you can live minus that).
and last if you keep spending money find someone to backing you. if you need to spend 100 to help you pick up do so. it will become more and more important.