Why does all our money just disappear?

Each month we are left further and further in debt. I don%26#039;t go out, don%26#039;t visit hairdressers, haven%26#039;t bought new shoes in 4 years, buy only cheap clothes, plan meals and shop off lists, take family out at payday and maybe buy 2 take away meals a month and yet we are still in the red and this month particularly-I had to borrow from my kid to just survive until pay day in 10 days!!! Is life trying to wring every last bit of hope and happiness out of me?? I do loads of voluntary work-I%26#039;ve spent all day looking for a part time job today with no luck-and I feel like my chest is about to burst with anger! I%26#039;m a good person who is devoted to family and friends -I%26#039;m normally strong and self reliant but not today. I don%26#039;t want a loan or credit card-they make you go into more debt-does this happen to you all the time? We got rid of them. How can I turn this around so we aren%26#039;t scraping pennies together each month? What MORE can I do?? We don%26#039;t qualify for any benefits,don%26#039;t want them either!

Why does all our money just disappear?
Write a budget. List ALL your monthly outgoings - mortgage, car, fuel elec, phone, sky etc. Try really hard to make sure you get everything, then add on £50 per month to cover unexpected bills and add it all up.





Next, write down your monthly income next to your total monthly outgoings and compare the two. If your income is less than your spending, review immediately - do you NEED sky? Do you NEED a mobile? The chances are, however, that your income is more than your outgoings and you just don%26#039;t realise how much is being wasted each month!





Don%26#039;t use credit or debit cards - withdraw a fixed amount of CASH at the start of each month for food, clothes etc. It will


be a lot easier to control spending if it%26#039;s £10 notes - when it%26#039;s gone, it%26#039;s gone!





Be prepared for some harsh truths - you may well find your partner has a spending habit you didn%26#039;t know about - hence the situation.





As for benefits, there%26#039;s no problem with checking out - you pay taxes dont you? try entitledto.com Also, dont want to appear rude but ANYTHING pays better than unpaid voulantary work - even Asda / Tesco etc. I know it%26#039;s no fun, but it%26#039;s money.
Reply:Too many bills and companies to pay!
Reply:i don%26#039;t know
Reply:Oh man, is this one familiar. It is very hard to get by in this world today. A lot of it can be linked back to inflation. Gas prices are up and the money market is down. Plus, we can also thank wastes of life such as Paris Hilton, for instance...she%26#039;s got all the money in the world for being the most useless living thing on Earth. She%26#039;s faking an illness to evade her responsibility, and somehow still has soooo much money thanks to Daddy, while the rest of us have to struggle for financial freedom. I am in debt myself and I am still searching for a job. Society will soon face the day when we hit rock bottom, then drastic changes will be made. Otherwise, we all are going to feel the bind of monetary monsters and have to deal with these Hollywood whores who get paid to do nothing. You can%26#039;t have something for nothing...I don%26#039;t know how to solve your problem...I can%26#039;t even solve my own. But the key steps in helping yourself is to understand the reasons why we are here.
Reply:In the long term don%26#039;t vote for Labour next time! More of your money has been stealthily taken by Brown without you realising!





Grow your own - on the way we have potatoes, onions, strawberries, rhubarb, runner beans, tomatoes, cucmbers, and we don%26#039;t know anything about gardening and only have a small space! We have just finished all the things we froze down last year!





Home cooking! Buy Bramley apples and/or rhubarb, plums later on. Stew them down, cheap nourishing pudding. Mashed potatoes with veg and fish, cheap, tasty and does you good! Etc. etc.





Don%26#039;t shop at Tesco etc. They have raised prices heavily over te last few years (typically rhubarb last year was £1.75, this year £2.99, but I bought at local market for £1.50). They offer you so much extra choice you are tempted! Try Aldi (our preferred) Lidl and or Netto. Much better prices, quality generally as good. Also because there is less choice you buy less!!!!! and then realise you didn%26#039;t need the things you used to buy before anyway! All of them also sell lots of household products at rock bottom prices, we have had loads and they are 99% as good quality as %26quot;branded%26quot; products. you have to shop differently, buy when they have for the future as they only sell spot lines which change every week!





Try eBay for the next things you want, you can get just about anything at much cheaper prices than the shops.





Hope this helps!
Reply:Because wee are all big spenders. You have to spend to recevie.
Reply:It sounds as though you haven%26#039;t get any type of job at the moment. I can%26#039;t understand why you do not qualify for benefits. So you either have to spend less or earn more money. there is no other alternative.
Reply:Well its hard to say as i dont have all your details like... do you have a mobile phone? do you have sky?... those sort of things you dont have to have.





As for take away meals.... i dont have any and if your hard up for cash then nor should you.





If you do voluntary work that%26#039;s all well and good but if you are hard up for cash then charity starts at home so go get a job and stop complaining.





I could work out others ways to save money but i dont have any other details.
Reply:Only two options, spend less or earn more.


It seems you can%26#039;t really spend less so you want to look for high paying jobs.





Good luck to you.








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Reply:I would do anything i could to get a job. I dont want to be rude but you really have to just get anything to get you out of this rut. Thats what i would do...
Reply:Welcome to Gordon Brown World
Reply:Tough situation. For a start, stop the voluntary work... charity starts at home remember. You could be earning cash instead of working for free.





Look for a better paid job. It may take a while, but there is always something better out there.





Downsize your home. If you rent, you might want to move to a less desirable area to free up some money. It might only be temporary. If you own, you can free up some money by downsizing. You can then use the money to start trading part time. Even selling t-shirts in a market can bring in extra cash.





Do not get a credit card. All you will do is line their pockets.





Chin up though, I was permanently skint for years and things got better.



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