What,Pay,When,You,Can,amp,#39, family What To Pay When You Can't Pay Everything
Date:2021-01-05 What,Pay,When,You,Can,amp,#39, family
Raising a family can be challenging and stressful at times. However, the common goals and emotional, financial, and physical investments made can be a common bond between husband and wife. One that compliments their marriage relationship.Of
A lot of women avoid wearing nice clothes when they getpregnant because they believe that they look fat or ugly. You know that theresnothing more beautiful than a pregnant woman glowing and smiling, so youshouldnt hide your body during p
What To Pay When You Can't Pay EverythingBy Terry RiggWith ever increasing consumer debt more of us are finding ourselves robbing Peter to pay Paul each month.We go through our bills and find that the money justwon't stretch far enough to cover all of the billsand expenses. It's hard to decide who you should paywhen you have one bill that is stamped with "FinalNotice" and you are behind on several of your otherbills.If you don't pay the credit cards you know that youare going to start getting those harassing phone calls.If you don't pay the house payment you are looking atforeclosure. If you don't pay the utilities they willshut them off. How do you decide?When you get to this point it's time to get down tobasic survival and work from there.I have actually talked to people that stated their creditcards were up to date but their mortgage was two monthsbehind. This is one of the biggest mistakes we can makewhen we don't have the money to pay everything.Another mistake I see on a regular basis is that some peoplepay their bills at the expense of their food budget.If you have the money to pay some of your bills you have tostart with groceries first and necessary health items. You can try to save as much as possible on your food but that money has to be set aside before anything else.The next bill you must pay is your mortgage or rent. Whilecredit cards companies will drag out their collection process,mortgage companies and landlords will start the process offoreclosure or eviction within just a couple of months.Your next priority is your utilities. In many cases utilitycompanies will turn off your utilities if the bill isn't paidwithin a few days of receiving the bill.Once you are sure you have enough to eat and a roof overyour head you can start thinking about your other bills. Thesecured loans, like your car payment, should come before yourunsecured loans, like your credit cards.The reason for this is simple. Creditors that have securedproperty will sue or repossess much quicker than the creditcard companies.If you find yourself in this situation it is a sign that youneed to do something drastic and fast. By not paying all ofyour bills each month they are going to add up quickly andyou are going to accumulate a lot of late fees.The best place to start is to find out exactly where youstand and what is causing the problem. This is as simpleas listing your income on one side of a piece of paper andyour bills on the other. Total each and subtract yourbills from your income.Your next step is to develop a budget. You can find a freeand simple budget by visiting The Complete Budget and BillOrganizer at http://www.homemoneyhelp.com/BBOonline.htmlWhether you use my budget system or another it is veryimportant that you start one as soon as possible. Forthose of you that believe a budget is to restrictive,just the opposite is true. The only way you can getwhat you want and know you can afford it is to have abudget in place.It is important that you pay all of your bills on timeeach month. When you don't have the money to pay everythingit is vital to your survival that you pay the most important bills first.
What,Pay,When,You,Can,amp,#39,
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