Is anyone having financial problems???

Most definiatly on this end here. We are maxed out in our income vs bills. We've exhausted all ways I know of to get out of debt or atleast be able to keep things controlable. I have recently picked up a pt job for the holidays, but alas I don't know if they'll keep me on or not. I started in August and I was hoping to stay on after but I don't know what the stores intention is. They don't pay well but have been willing to work around my hubby's hours. The sad thing is I lost my job 5yrs ago & we decided I'd be at home with our DD & then we added to our family. Though the expenses we had when I became a SAHM have never gone away just shifted from one credit card or loan to the next thing. I really need to get back to work full time but I cannot afford $440/week to put 2 lo's in daycare nor could I find a job that would pay me $440/week + $ to pay bills KWIM? Just stuck & a bit blue about the whole thing.

umm not to sound mean but do you have cable? internet? all these things are luxuries. i just got cable for the first time and i'm 20. while the world seems to live on these things sometimes you just cant afford them.

Hi lagirl. I, too, was (and still am to some extent) in this situation. I couldn't work for a year and had to survive on virtually no money. I called inall the help I could, but have still ended up with a lot of debt. The thing to remember is, in the immortal words of 'Galaxy Quest', "Never give up, never surrender"! After such a long time with nothing, I am finally starting to dig my way out of trouble, piece by tiny piece. Some tips: Go and talk to the welfare people and see if you're missing out on possible help: I didn't know half of the things I could get from the government and was consequently a lot worse off. When you shop for food, look around several markets. I've found, for example, that if I buy noodles in one place, they cost SIX TIMES as much as another. Fresh vegetables are generally cheaper from a small store, rather than buying pre-packaged stuff in a supermarket. Powdered milk works out cheaper than fresh sometimes. Look for offers, two-for-ones, coupons, the products that you can use the same day, but will be icky tomorrow so is on offer. Cook from basics more often - it's amazing how much you can do with just pasta, a simple sauce and a bit of imagination. I don't know how old your son is, but I'll bet getting him to help find bargains would turn it into more of a game. Worth a try! Finally, if you can avoid it, DON'T borrow money. Hold on as long as possible before you do. It's ten times harder to get out of debt than into it. Internet earnings won't match a job, unfortunately, unless you work all day as a freelance something (in which case it's a job anyway). Don't count on the money, just try to use it for extras. Good luck. You're not alone!!

I think I'm in tha same situation as you.Now,I am going to a graduation from a university next year,so it's the time that I have to go out to apply a job to feed myself.But now for the economic crisis,most of companies are reducing the staffrimmer,do not need the person who has no work experience.I have go around to apply a lot of firms,all of them refused.So...I'm despaired of it,I have no idea about the life after graduation at all.

Hi lagirl, I felt sorry about your situation but I guess we are the same..that's why Im here in my lot to earn few dollars a little help.I am also a mother and its hard to give nothing to kids especially this christmas. don't worry God will help you keep doing good things and mercy will come. someday people will come and offer you job to secure you and your son. God bless to you and Advance merry for x'mas!!

Depending on what your illness is.. could you do home assembly? There are companies out there that need people to assemble things at home.. such as lanyards.. at home. You take the completed lanyards back to the company for instance and get paid :) I hope maybe you can look into something like that and see if that would be something you could do. Good luck with all the online work that you are doing. If you are around a University, there are usually all sorts of research studies going that you can get paid for. I see in your post that you paid $70 doing a focus group.. the research studies are kind of like that.

I am sorry to hear about your situation. You could try www.craigslist.org for some freelance work. I have seen them having writing jobs available. I do some surveys myself on the side and freelance work. I work full time, but my raises have not been the best. I am lucky to have a job and benefits, but times have been difficult for a lot of people. I worked with cancer this past year and had to take short term disability earlier this year. Hang in there. I hope this site helps in your search and that you are able to get the help you need. Stay positive.

hi sorry to hear about your problems luckily i aint having money problems as ive learnt to save from the age of 17 i know of a good few sites to earn money from a few are review sites and the others are sites like this send me a private message and i'll send the links over.

Lagirl, sorry to hear about your situation, but I have to say that you are not alone. I am in a financial crisis as well, not as bad as yours though. Wouldn't you qualify for assistance or disability since you have a child to support? I couldn't imagine living on $260.00 per month, with the rising cost of everything. I lost my job five months ago, and am now suffering the consequences with no money to pay my bills and hardly enough money for food etc. It is rough out here trying to make ends meet. Unfortunatley, there are too many people going through the same things. I am so tired of the bill collectors calling, I know they have to do their jobs, but I can not do much now because I do not have the money. I am struggling trying to keep a roof over my head. I wish you lots of luck, and I pray everyday for everyone who is struggling, because I now know what it is like.

yes i am on financial crisis. i am out of money. i need more money. anyways, i am trying to budget money. i too like liiving on about $150 budget. anyways, i don't pay for my home and my own needs cause still my family provides it. but other things like the things i want to buy like cellphones and other luxuries i do have to make my own money to buy those things.

lagirl1966, please do not feel alone in financial issues because let me tell you, you are not alone there are so many people maybe 75% or more of the population suffers from this problem. I deal with an illness as well where i am wheelchair bound and have been since feb of this year for a back n neck injury, vertigo n i am pregnant on top of it. i am in a work comp case but they arent paying me nothing finally i had to file for ssi, had to have an attorney and go to a hearing after 2 denials. My advice is since your illness is keeping you from working maybe you can look to the county for help or even apply for ssi i mean it wouldnt hurt, i dont know how bad your condition is but that would be my advice and if ssi denies you appeal n appeal n appeal right away get an attorney if you have too. also you can check out inbox and send earnings because once you collect $30 they send you a check. I wish you the best of luck but please dont feel alone you are not alone. Wishing you a happy thanksgiving and many better days with financial blessings.

hey, i'm so sorry to hear that...well, i do have some financial problems as well... but, i'm trying to survive... the matter is that, i'm a student and working to pay my school fee..i don't want to rely on my parents as i have other siblings and my parents need to take care of them and look up for their needs...so, at the moment, i'm writing and doing this and that before the semester starts...hoping i can do something... smiley,

I am in the same boat as you. I do get a little more than $260 a month, I do not know how you could do that. I am on government assistance and do not get a whole lot of money. I have been stressing about christmas. Is there no organization that can help you out for christmas? I know that we have a organization that makes up christmas hampers for people who need them. They consist of food and presents. It is run through the local church. Well good luck and I hope you can find some help.

I am also in the same situation as you I need money to support the studies of my three children. Until now I was looking for a job here in my place hoping that one can open their door for me. It was rally hard without money to spend daily. There are lots of bills knocking on your door or ring your phone. That was make my hands up. Doing mylot helps me too a little but give me a big of enjoyment now a days. Well friend I know God will provide us the things we need. Let us not stop doing good things and finding the sources of our income. Good luck to all of us friend we can make it! cheers!

At this time i'm having a financial problem, I'm planning to visit my friends in other place but my money is not yet enough, also I'm for the Christmas gift my relatives and friends.

Your not the only one with financial problems lagirl...I'm having one as well. I just lost my job. And to think that I still have bills to pay and a loan to pay as well. *sighs* That's why same as you, I'm now an active member of mylot.

You should be asking "does anyone not have financial problems?" As far as I know everyone is being effected by the bad economy. I mean everybody, any country, everywhere. I myself am in a bit of a slump. I have some things I am working on for next year but but the end of 2008 finds me in a bad situation financially. Yes I am still planning on opening a restaurant but as of right now I lack all the funds I need and the bills are getting worse. I don't know anyone who isn't being affected by this slump in our economy. We are all doing just about the same.

Hi there: There are a lot of us in this same situation, its a daily struggle it really is; That's pretty good money for a focus group if they do in fact pay you , Wow!! I hope they do for your sake; Keep reading on here you'll see lots of places shared where others are using to try to make each month; Good luck to you!!

im having the same problem too, but not so serious as u, its getting harder in here..im still unemployee, but i have my own small business which not giving me much income, just enough 4 myself..thats why im trying to figure out how to make money, while im seeking for a job..

lagirl,were on the same boat...i have a job that i am proud of,but the problem is i am not well compensated although my job is a kind of work everyone asking for...but i have to sacrifice first because our company is just starting we can demand for a higher salary,i have to budget the little amount(as in little) i have,anyway if you help first the company were you are working,then in the end the company will help you also in return...and thats the time you will be compensated...so dont put the whole wolrd in your shoulder,cheer up...your not alone anyway...?