It is month end, you are broke.. Who do you call?

This is a very good question and i usually face this problem of severe financial crisis in the month's end and i have been put inot some desperate situations due to money crisis in themonth's end and i used to borrow some small amount from my friends and repay them once I get my salary in the first week of the month. Nowadays due to the availability of online facilities such as blogging, Myloting etc., Thank god i am able to make some extra money so that I am not pushed into a position where i need to borrow money from others. Thanks to these sites for helping me out. Have a great day ahead and happy earnings. Cheers:-)

Will it certainly will not come down to eating roaches or any other kind of bug. My husband and I have been though hard spots, but you would be surprised what flour and water do. I know it sounds vain but sometimes parents can not help and if they could I know they would. There has been times I have through recipes together that I did not even no where they come from. There is always programs like gods pantries that will help you with the basics just to get you by if needed. The hard part is if there are children involved. Even if you do not qualify for government programs they can tell where Gods Pantry and other programs of such are in your area. Everyone , even the ones that get a steady paycheck, need help now and then again. Don't be afraid to ask. May God bless you and your family. I hope this information was helpful if nothing else gives you alittle encouragement that you are not alone.

I know all too well what this is all about!!! I have faced having pennies in my bank account and have even had a rent check bounce which ultimately got me kicked out of the place after 7 years of tenancy!! My solution? SAVE. I know you had mentioned that money is tight and the purpose of this subject is to see where you would go for help. Well, I do not have any family I could borrow from, and my friends are on just as tight of budgets as I am. I began saving my tax returns 3 years ago, and keep that as as safety net so I don't get myself in a bind. My goal is to have around $2000 in my account. That way, I have money for car troubles, added expenses, emergency gas money if I have to leave town, etc. When you file your taxes, continue on with your spending as if that money never came and leave it in a safe account somewhere where you will not spend it. Keeping your hand off excess money can require great discipline, but it is worth it for the piece of mind and not having to sweat it if a problem arises.

Bugs ewww! That is a no no beans rice potatoes and tortillas are very cheap and it feeds alot and will keep you full That's what I eat when I'm broke. But to borrow money is hard to do because if your broke almost every month how can you pay it back I always look for ways to make money find what your good at and sell it :-))

I don't think I have ever got broke before when I was at work, because I always have athe habit of saving so I ahve saved since when I was little, we have Chinese New Year so I can say the "lai see" - money in a little red pocket that given by the relatives and families. and my mom gave me some pocket money as well so I could save. So when I really didn't have any money to use anymore, I went to dig in the saving account, I didn't need to do that verymuch though since I had a good management of how to use my salary well. And I don't have any credit card, I wouldn't put myself in a tough situation that I need to pay for the credit card or anything.

When I was alot younger I would borrow from my parents. When I got older I would budget my money to last however on the few occasions when we had unexpected occurrences happen I would borrow from my boyfriend or just wait it out till I got paid again. If my boyfriend ran out of money he coud borrow from me.

I have encountered this situation before when I was a bit younger back then,I always spend without budgeting for each items and things. It is always by the end of the month where I am out of money and I will be looking high and low for any money to be borrowed. Somehow I do not like to borrow from the bank or friends because it just make me feel a little uneasy at times. Usually i would go to my parents and ask for some money that i will then return to them once my pay is out.Recently i have been budgeting a lot and cut down going out and hence I am no longer experiencing lack of money at the end of the month.

Definitely mu mom! I dare not to ask my father for a loan, because there'll be a lot of questionnaire before I succeed with the loan. But my mom, she'll give me a loan without asking =)

i'm probably one of thse who do away the whole month with what i get paid as salary. But in your case probably i would as a loan from my friend (at office or general) or use my credit card (of course not to lavish around with cloths and junks). It completely depnds on how use wisely spend the money. We make a monthly budget and also make provisions for contingencies. This way the money spent is channelized and we have the provision stacked for the whole of the month! If you have not tried this method, try it and do let unknow your experiences. :)

I am a Financial Advisor, so if I become broke at month end, then it is shame on me. But I have close friends, especially salaried persons who go through these cycles every now and then. I feel, it is more a matter of financial discipline rather then income not being insufficient. You need to be prudent in spending, and if you stick to your self framed rules, then the question of being broke does not arise.

I remember those times! I call my mum and kindly request her to bank-in some money for me. Since she past away in May 2006, I learn how to keep back-up money/emergency money. I found my siblings call me when month end as they are broke and no mum to ask! It's fun and painful when 'that' person gone forever!

I have not encounter this, but what I will do is first dig into my piggy bank.. and see how much do I have there.. I have got good connection with some hawkers, and I will change with them... if insufficient, then credit card will be the next options.. family and friends are those the last I will call as besides owing them money, I don't want to owe them the obligation too... I find it hard to ask for loan that way, provided it's really emergencies.. if it's just for the sake of tying me over the month end, I will try to strive it on my own..

Hi, if it is month end, and I am broke... Who I am gonna call???? Let me see...looks like I will just spend on my credit card as most of the expenses nowadays can be paid via credit card like water/internet/electricity/ accessment fees/handphone bills/landline bills. I will end up eating at Kentucky Fried Chicken, ChicKen Rice Shop, Pizza Hut and those restaurants that accep credit cards ...lol My problem arise when the credit card statement came with the due date being overdue..who I gonna call ...MY WIFE :)

When I am broke, I suffer in silence. It is just something that I cannot go on and tell others of my situation. I mean, other people have their own problems They may be juggling their own bills and just succeed nicely not to get their pockets in trouble. The problem is that others depend on me for financial support. So, it is tough to rely on others when I am the one they rely on. So, what do I do? Well, budget down when it is the end of the month. Control my spending. Control what flows out. It's difficult but it has to be done. Sometimes I use my credit cards to buy my groceries and that helps to support my expenses for a few days until when my salary is banked in.

If it was the end of the month and I had bills to pay and was completely broke, I highly doubt I'd end up calling someone to help me out. I hate asking for help and I just moved into an apartment and got a pretty OK job so I'm more determined than ever to really make this work without having to break down and ask someone for money. I just do not want to do it. I have several hundred dollars in savings right now and I really am trying to keep it stocked (it's a high interest savings account) so if something does happen, I have a surplus of money to live on for a few weeks if I need it. I really hope that doesn't happen but if it does, I do have something set aside.

I know what you mean, I'm broke most of the time now. I don't think I've left my home but a handful of times in the past five years. I keep hoping that I'll win big in the lottery but that's kind of hard to do when I don't have the money to play. I don't much of a life since five years ago. But at least I'm still alive

If this happen to me, then I have to withdraw some cash money from my saving account . And I have to make sure I spend this money with extra careful because I always limited myself to withdraw money from my savings. Just pray hard that the next salary will come soonest.

Dear submerryn, Congrats on your achievement of the minimum payout! Are you using paypal account, Malaysia do not have...How??? For myself, I came from very poor family, from an estate! Seen how the poor live, how my family survive on taking daily sundries on credit, how my neighbours quarrel and fight when no money at the end of the month! I learned, money can solve many problems... so from a tender age of 7, my mum trained me to save.... I even bring stickers to the school to sell just to earn some money...BUT I lost quite substantial in the stock market... For myself, if I have not enough money by end month, I won't eat, I just drink water but I make sure my son have his proper meals! But my husband is different, if no money to spend to buy food from the stall, he will even spend MORE, because using credit card, he ha to dine at fine dinig or restaurant that accept credit cards...lol...So, Submerryn, remeber I told you that I need to send my husband to you for 'Training on spending on Credit Card?'

I faced this situation long back. But not so badly, I just had to control my expenses and get going. In case we needed some money, we always approached our friends for help. They are the best people to ask for a timely help. Yeah, parents can also help but in my case friends helped us a lot. As soon as we got the salary, we again became happy and the first thing we did was repaying the debts. It is a nice feeling when you repay debts as soon as possible.

If I were ever in that situation, I would call my parents. They have always been open about letting us know they will help us (my brothers and I) with anything we might need. It is great knowing that, and it gives a sense of family as well. I would not resort to putting things on my credit, because there is just too much risk that it would bust in my face and not being able to pay.