Finance Help.............Please?

I am horrible with my money. I make good money but seem to always be slipping further and further into debt. Are there any good FREE sites to show guidelines on how to get back to even, and maybe save a little? (make 65,000 / house 1300 / car 400)

I would try creditboards.com. A lot of people on there offer free advice on how to manage a budget, stay out of debt, improve your credit report, and other things. Good luck.

You need to be more self-disciplined. What you should do is track all of your expenses for a month, just to see where you are wasting money.

In addition, before you spend any money on things you might not need (entertainment, new clothes, ...), pay all of you bills first. This way, you will only spend what you have leftover.

Do you use credit cards? Always remember to pay your bills on time.

Stay away from the gambling dens and horse-racing tracks.

Always set aside an amount to be saved each month (roughly 8-10%) . Even if you have to skip a meal to make it up don't touch that money, one fo the rules of thumb in saving.

If you have any other item you wish to purchase, don't touch the savings, create a separate savings "account" in order to buy it. The money set aside for saving is only to be used in an emergency or a critical situation.

Making money, involves getting a good job, being efficient and productive while showing that you enjoy your work (Employers love these kinds of people)
I don't really understand the last part of your question.
Unfortunately, i do not know of any free sites. I have some books on financial management though. Sorry, if this did not help much.

Hope this helps, messaging me would be fine.

I think the best advice is to "pay yourself" first. Get a portion of your check deposited in a non-checkable account each month. A money market account, which has a checking limit, or using the money to buy CDs should alleviate your ability to write checks, and therefore remove the temptation

The second tip is to get rid of credit cards. I like to keep an emergency one, but do not have a high line on it, and do not have a bunch of them.


The third tip is, stop doing pointless unneccessary things. It is not neccessary to eat at 20 dollar a plate restaurants, or go to a bar every night.

the site is http://psychic-aus.com/finance it has all you need

http://savingsadvice.com

okay first, there is no magic pill, no hocus pocus. you have to spend less than you make. cut out things you cannot afford, cell phone, cable, internet (downgrade if you have to), use the library if you need books. you probably don't need a 400 car payment, you need a reliable car, but it's probably NOT the car you have. a website can encourage you, but it YOU that has to change. it's not what we make all the times, but what we spend our money on. there are people living on less than what you make and who are making it because they changed their BEHAVIOR. stop eating out several times a week. maybe cut it down to one.

okay, but make a list of your bills so you will at least know what you have going out each month and where you can cut back. also keep track of everything you spend cause when you see it on paper, it's a different story. this will take EFFORT from YOU. you want to get ahead? stop buying DEBT!!! much success to you.

try a budget form. microsoft.com has plenty. a budget is telling your money what to do instead of wondering where it went. it's not so bad to have extra cash at the end of the month.

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I would do a 1-time refinance to consolidate and lower your overall payments. Then you will want to try to be more disciplined in the future.

Lots of things you can do. I'd say start paying yourself first. Take 10% of your money and keep it for yourself. Invest it, don't spend it. You are more important than anyone you owe money to. Next, you don't need a 400 dollar car payment. A good used car can be had for about 5 grand. One of the worst financial moves you can make is a new car. Unless you're going to keep it for 15 years. Pay off your car and NEVER finance an expensive car again. Sounds like you fell into the trap that most people fall into. Buying fancy stuff you don't need that will be rotting in a garbage dump in a couple of years. At the sacrifice of financial comfort. Don't do it anymore. I've known lots of people who did this their whole lives and ended up old and broke and miserable. Do you realize you're driving a comfortable retirement? That car will be long gone and forgotten when you're old. Think about what's REALLY important and forget keeping up with your friends. You can change everything in one second. The second you decide to do what's right for yourself. Come up with a plan and put it into action. Get and stay out of debt. Save and invest. Live within your means. Remember that no matter how rich you are there's always something you can't afford. I recommend the book "Green with Envy." Get some perspective and prosper!