
Summary: Getting financial help on a budget.
Thousands of people come to ThinkGlink.com for financial and personal finance help. If you are in need of financial help and you are on a budget, here are some tips that might help you. You can also think about your financial future and use the information on our site to help you out. You can visit with a top consumer credit counseling service, take advantage of all of the free financial help on ThinkGlink.com and check out some of our free books and other products at the ThinkGlink Store.
Getting Financial Help On A Budget
Q: My husband is a teacher and I am a stay at home mom to our 3 sons. I also do some part time work from home. We are pretty much winging it when it comes to making decisions regarding our finances and could really use some advice in getting a better game plan for our future. Our budget is very limited though and we just can't afford to see a financial planner. What can we do to get some help? Could I send you some information about our situation with some questions? I didn't think I could post it all on here. Any help or direction would be appreciated.
A: Unfortunately, I do not have time to counsel each of the thousands of consumers who send me letters individually. I have some suggestions for you:
If you have budgeting questions, you can set up a free budget counseling session with Credability.com, which is a network comprised of the top consumer credit counseling services organizations. They'll go through how much you earn, what you spend, and make recommendations on ways to save money.
Get a copy of my book 50 Simple Steps You Can Take To Disaster-Proof Your Finances. It's free (you pay shipping and handling). If you follow each of the 50 steps, it will take you a long way toward where you want to be. You will become much more organized and thoughtful about your money.
Take advantage of the 5,000 articles available at ThinkGlink.com. Look at the suggestions we've made to other readers. I think you'll find them helpful.
Check out some of these other articles for more free advice that will help you plan for your financial future:
100 Questions You Should Ask About Your Personal Finances
50 Simple Steps You Can Take To Disaster-Proof Your Finances
50 Simple Things You Can Do To Improve Your Personal Finances
How Much Should I Save Each Month and For Retirement
If you'd like to help us out, you can contribute to our site and keep the site free of charge. Thanks.
© Ilyce R. Glink. All rights reserved. This content may not be used, distributed, syndicated, compiled or excerpted in any medium or form without written authorization from Think Glink, Inc. For information on syndicating ThinkGlink.com please contact us.
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Comments
holdingon2009@gmail.com says
i am Linda Alicia...if anyone reading this, has ever been in the position, where they just needed a little bit of assistance, to turn this around, please do what you can to help...i am worth the help. my daughters, are worth the help...i never did anything like this before but i need desperate help....i have been layoff and not much of an income coming in....i have utility bill and food bills racing up...with numerous termination notices in the mail...it would be great full for any help i can get via my PayPal email-address holdingon2009 AT gmail DOT com ... gas $31.04, water$27, electric$22.19,food$$$$,....please.......my 2 daughters will also be vary grateful....it will help with clothing as well as bills and food...yes, i can receive money from you via my PayPal email address holdingon2009@gmail.com ....The reason I want to use PayPal instead of a direct credit card is that PayPal is free of charge...i wish everybody a happy holiday...thanks for your time....
Chris says
What helps my wife and I the most was eliminating discretionary spending from the budget and creating allowances for her and I. We have our own seperate spending accounts with debit cards. Anything that can't be purchased at Wal-Mart or the grocery store is consider excess and should be purchased on our own accounts. This includes expensive hair products, expensive makeup, clothes, shoes, dining out, fast food, alcohol, etc. We've been on this plan for 2 years and it worked wonders. Now in the budget instead of trying to keep track of all those expenses, we just have a set allowance each month. Everything else including bills, groceries, toiletries, etc comes from our joint account. We both know how much we have to spend and don't have to ask the spouse if we can spend it.