How do you handle your finances?

It's not always easy to save. I'm not that bad at saving money. However, our financial situation isn't in the greatest of states, which does make it difficult for us to have any kind of savings. But we are hoping that this changes for the better very soon. Fingers crossed.

I work a full time job and a second job just to make ends meet. I have to juggle my bills and pay one this time and the other next time. I manage to just tread above water most times. It is very hard to save money, especially with 2 teenagers in the house and being a single mom.

Now that I look back I realized that when I was single I never handled my finances all that well, but now that I am married (have been almost 5 years) I handle them much better. It is hard to save because I am not working and neither is my husband, but when we finally get to file our taxes I am hoping to save most of the money. I do have 25.00 that is taken out of my husband's VA check every month and that goes into our savings account. I am also starting to save my coins and am hoping that once my bank gets full I will put that money in my account. I am also saving the money I make online in my paypal account and am hoping to save enough for Christmas this year. I am hoping to make some money online so I can build up my paypal account.

hello dominique25, actually i handle all my finances because i had a discipline to my self, especially we need to stint all your budgets and when i had the extra money, i save it to my bank so if i need a money, i have.

Hello Dominique... Yeah sometimes I am good at handling my finances, mommy taught me to save some of my pocket money. Till now I still like saving some buck from my pocket money but I never show it to my mom, you know, to get more extra money But when my desire to buy some stuff come, I can't handle it and just let it be completed, I don't mind to use my extra money.

i could say that am not as good as u maybe...sometimes i was short with my daily expenses in my family...if i have my my money for that to be used for the expenses, then i buy it without my knowing that it almost consumed..i cant kept it for a long time in my hand...can u give me any advises on how to handle carefully?

Well in today senora its is difficult to save, as almost every thing is become costly where the items is going costly same the earning is not much increase, so saving is very difficult, but i say you have to save some money because it will useful for your future because no body known but will happen in future, so secure your future you must saving every day or every month...

I can't say that I am really good with handling my finances because there does come a time that I do get broke. But I do always have something set aside so that when such times come, I have something that I can spend. I tend to save on small amounts, coins mostly. You may not realize it but one day when you open the coin bank, it is a significant amount and can be a real life saver. When I was still working my hubby and I have an emergency can where we put about five percent of our salary. We would sometimes get money from it, but we would need to "pay" it back on our next salary. I am not working right now, so I don't contribute to our savings. But what I do is that I make sure that we spend within our means and this means that I don't spend on luxury items like I did before when I was still working.

You know, it's funny, but when I was making plenty of money, I couldn't save any. At least, I didn't think I could, but since I went through a hard patch and now am bringing a fraction of what I used to, I amaze myself at what I have learned I don't need and how much I can actually save.

You are right, we have to think about the rainy days come. I would like to put aside some extra money for future use. That is why so many Americans neglect such idea. They should know they can't spend more than they make. That is unhealthy habits. I would recommend people come up a saving plan. Even though they are in debt at the moment.

Yes, I am really good at saving and I am also good in wasting my money. Good thing that I joined a forum that taught me on how to budget my money. Every time I look into my wallet,I've been wondering where the heck did I put my money. I do record all of my expenses.

Hi there dominique, Me too ive always been a bad spender but now i am trying to pay all of my debts and be more productive when it comes to my finances, now i have more responsibilities and i have to b more sure that i spend my money on more important things like food health , investments and savings and of course again paying off my debts.

Savings are really very important for all of us. I can control my expenditure to save some money , but what ever i save goes in so me or other unexpected expenditure and i could never use my savings on myself. But still i will continue to save.

Three basic rules of investing: Start early. Buy low, sell high. Diversify I'm 18 and I have $2k in stocks right now. Another 2k in bonds. Not much I know, but if you have cash on hand and really have a mind to save then wealth growth can happen. The markets got quite puffy lately and my assets increased by $250. Aside from saving, most people are risk averse so they do not trust investing. People store there money in treasuries or CDs. The real money is not there in my opinion. The income from my job and pocket cash from http://www.cashcrate.com/2725848 does not hurt either.

Yeah, it's really hard to save when you have too little left from what you make. But it's a good thing though that you're aware why you're having a hard time saving. That's actually the best start in handling your finances - knowing where you financially stand. But the next important thing is for you to actually start saving. If you have an extra $5 next time, make sure that you keep at least $1 of it :)

I'm quite good in saving money. I'm still studying so my earning comes from some little jobs and money are few, anyway I try to save what I earn. I only buy what I need or what I really want. Unfortunately sometimes it's difficult to save money as example when you need to move for work and you have to use public transport or the car (with fuel cost). About my earning from internet I hope to reach soon a minimum amount for having some shopping.