Hardly no money, yet loads of bills to pay

My problem is credit card bills. I've stopped using them because I owe so much. I always pay a bit more than the minimum on each bill, but there's a lot to be paid back; so I'm taking the one with the lowest total due and paying the minimum due and then each month paying extra on the principal. After I get that one paid off, I'll go to the next one and do the same. Paying extra on the principal has helped bring the total due down quicker.

I can definitely relate to this. If I didn't receive a student loan refund every three months right now, I would be unable to live... I've only made about $1,300 this year from working. I've had months where I've made less than $75. It's hard. It's sad to see any state or country where this sort of living is common place.

I think that this is something that a lot of people are struggling with at the moment, because a lot of people aren't able to earn the same amount of money in their jobs as they might have been able to in the past, and this means that they don't get enough to pay their bills. You should try thinking about the ways that you could cut back on the amount that you're spending, as you might find that there are lots of things that you would be able to do to cut back so that you would have more spare money for your bills at the end of the month.

Yes, it is getting tough as every day go by, it seems like there is hardly any money coming in anymore except the amount of bills continue to add up. How the world has come into nowadays, it is no way one can survive if the situation continue down this path. I assume the inflation is getting out of control that making it extremely difficult to change the state of affair now, no matter how hard i try.

It is a hard time in your life, and the times are hard too. Don't feel depressed and stay positive. Instead of saying "there is no way I can do this", be convinced that there is something to do, and think at what you can do to get out of this situation. Courage.

Yes, you are right. A lot of people will surely relate to your situation. I myself is also experiencing that frustrating thing. We've got so many bills to pay yet we don't money in order to pay for it. That's life. We need to endure these things for us to survive. Though I am getting tire of this, yet I am still happy because I am still alive. We just need to be strong always.

I have living like this too. I am on SSD and get a very small pension. My daughter lives with me and gets the SSD also. We live in a Section 8 apartment complex. And we still barely make ends meet. With the rent, utilities, car insurance, prescriptions, and food it doesn't take long for the money to be gone. And I can't remember the last time we got a cost of living raise.

I have always wondered how is it that we are expected to live with the same amount of money if everything keeps on being more expensive. In my country we had fairly cheap fruit until we became exporters. When I say "we" I can assure you that none of the amount paid for the fruit came to my pockets. But fruit became expensive. And through deals with other countries, we are also importing some fruit at some times of the year. It`s very convenient for the rich, but it keeps the poor from eating a decent meal. Our children are now starting to be undernourished and obese. YEEZZZ!!!

Our bring home pay hasn't changed in over two years and yet the bills have jumped by leaps and bounds, We went from comfortably, though slowly, paying off our debts (two preemies add up the doctor bills galore) to having to finagle monies to make all our payments. No matter what we do we just can't seem to get ahead again. I am scared for the year coming and what will happen if Hubby doesn't get a raise.

hi, in life we need to live and survive but of course we still need some services that we need to pay it so the more we have many services the more we need to earn so that we can all pay those bills,its hard when we don't have income to pay over load bills.

I completely understand! My husband and I are going through the same thing. We have to sell things we love just to make ends meet most of the time. It is getting really hard to make bills and still have enough for gas and food for the week! =( It is really tough. I am tired of selling things we have and I am sick of struggling as well.

Hi friend, you are right, we are in need to pay a lot of bills, some times our earnings are not enough for our bills. What to do? we must work hard and increase our income to compensate all the loss

i am in the same boat as you my family are finding it hard to live on after all the bills we pay out aswell but the people that get me are the ones on income support which they get everything but then again i still dont know how they can live on that amount of money as i found it hard on that but my husband has two jobs and we are still finding it hard to live on

Yeah, life is really start to act harsh these days. I also cannot cope up with the bills in my family. It is really a burden where to find those tons of money...no matter how i tried to be thrifty still it end up nothing..so what i done i just spend it, pay everything it can be paid and VIOLA.........I still finding money now.

hi joystick I am 85 I live itn this tiresome retirement center which takes allolf my social security and SSi checks but 128 dollars for personal things for a whole damned month, so I made 23 dollars and 24 cents here on mylot which will help a lot for my cable bill for my internet. yes this economy really sucks . I am here in the US and in California with the second highest unemployment rate in the US so few jobs to be had.But mylot is help;ng me a lotl.]

Sometimes, we are spending way beyond our means. So I think carefully w at to do. One is to avoid buying stuffs we don't need and prioritize buying our basic needs like food. Then, since we still have a little savings, I borrowed some and do buy and sell. I then open an online shop and sell cloth diapers. then later on, I have learned how to crochet so now we are making crochet items and surprisingly many are ordering from us. The weekly earnings from that is what we are using for our weekly grocery. Sometimes, we tend to still short of budget but through god's grace we still manage to pay everything we need to pay.

I think almost everyone here is in the same situation. It is hard to make both ends meet nowadays.

That's a fact of life, so many opportunities to spend the money, loads of bills to pay but where on earth are we going to get all the money in the world? I just learned that we should be more concern of generating money than spending money. I have just thought of a lot of counter measures to cut the cost of living or to be as frugal as possible. I guess, we are actually wasting a lot of resources that's why we get short of money at times. However, God is good sometimes we are able to survive every single month from all the bills and where on heaven would all this money come from!

I'm sorry to hear your financial state isn't where you'd like it to be at the moment. I had an employee who had a similar issue. He had hundreds of dollars in bills every month, was rotating which ones he paid (which I'm sure caused several late fees and high interest rate) and was then using his credit cards to buy food for his family. When I found out I sent him to a friend that counsels young people on how to get their finances in order. If a budget is out of the questions then depending on what your situation is you might want to consider credit counseling. If the source of your debt is largely credit cards they can possibly get your monthly payment chopped in half and get your debt paid off sooner. Other then that the only other thing I can think of is to consider a part time job perhaps....is that is compatible with you situation. Even if it was temporary to help you get caught up you could probably find a nice job for the holidays if that was something that peaked your interest. Its unfortunate the economy is what it is still and I hope things get better for you and the many other people who are unfortunately struggling right now.