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How I Budgeted My Money

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Lorri



Joined: 15 Jul 2008
Lorri's page
Posts: 253



213 Magic Points
 
 Posted on Fri Sep 19, 2008 3:17 am  
I meant sdchargers---does she live in PA? I know you said the GN does.
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fireyone



Joined: 26 Feb 2008
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Posts: 4285



127 Magic Points
 
 Posted on Sun Sep 21, 2008 12:29 am  
Yep that I was refering to both. They have both been on here since I have joined and have helped me tremendously with the PA laws.
goodnatured



Joined: 03 Nov 2007
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Posts: 3927



10 Magic Points
 
 Posted on Sat Nov 08, 2008 3:19 pm  
There are alot of people on the forum from Pa, I know when I was on the debt forum there for awhile there were a ton of people from Pa there also. I am not sure about the other two forums. So are there alot of debtors in Pa or are we the only ones that come out and talk about it, LOL
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
fireyone



Joined: 26 Feb 2008
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Posts: 4285



127 Magic Points
 
 Posted on Tue Nov 18, 2008 12:44 am  
It is really funny you made a mention of this because this was what the news station has said. PA is actually drowning in delinquent credit card debt. I wonder if this is because of the limitations on debt collectors for collecting on past due debt..like garnishments are not allowed unless it is child support or taxes. Do you know the complete details on how they can collect a judgement in pA. What are they allowed to attatch?
creditcruncher



Joined: 28 Dec 2008
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Posts: 1



44 Magic Points
 
 Posted on Sun Dec 28, 2008 4:56 am  
Nice money management. I was thinking of that same style you have for months or was it years already? Haha. But it is a nice one, right? Like if you earn 100$, 30% of that should be in savings, 10% for recreation, 30% for food and the rest 30% will go to other necessities. With that, it is a sure way to go! You still get to have that 10% for your own recreation and pleasure. Very Happy

But application is real hard. Sad
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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1889



1356 Magic Points
Subject: credit
 
 Posted on Sun Dec 28, 2008 3:37 pm  
PA Law does NOT allow Wage Garnishments....however, a CA CAN take the debt out of your bank account, if they have the information ( account number, etc.). I try to come up with a Budget. However, at times, things do come up. and it's difficult to 'keep up'.
fireyone



Joined: 26 Feb 2008
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Posts: 4285



127 Magic Points
 
 Posted on Sun Dec 28, 2008 10:12 pm  
They really have a battle if they go top take it out of your bank account. If they take it out illegally and you did not give them permission you can just fill out papers at the bank and they give your m oney back. After that the bank will go after them for their money so I can not see why some of thesse places waste their time but I am sure if someone did not know they could do this then they probaly get some to fall victim.
carol

carol

Joined: 27 Jun 2006
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Posts: 1307
Location: Los Angeles, California


29555 Magic Points
 
 Posted on Mon Dec 29, 2008 9:09 am  
Hi Creditcruncher
Even if you cannot afford to keep 30% of your income towards savings, you should afford to keep at least 15% so that you do not fall in the trap of payday loans. Luxuries should always be curtailed as far as possible and you should spend more on necessities. In other words you should spend more on productive expenditure at least during this time of financial crisis.
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goodnatured



Joined: 03 Nov 2007
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Posts: 3927



10 Magic Points
 
 Posted on Tue Dec 30, 2008 5:13 am  
great advice carol, a little is more than nothing. I send all the money that I make on my survey sites and forums to a seperate savings account, split between two, mine and our childs.

If you pay yourself first it becomes habit.
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1889



1356 Magic Points
Subject: credit
 
 Posted on Tue Dec 30, 2008 11:51 am  
Hey, GN,......i tried the 'survey thing'. Just isn't working for me. Do you do other forums, as well? Sometimes it IS hard just to save $5.00, now a days.
Lorri



Joined: 15 Jul 2008
Lorri's page
Posts: 253



213 Magic Points
 
 Posted on Sun Jan 04, 2009 8:36 pm  
Have you tried going to the debtcc forum that is connected with creditmagic? Look at the top of this page---they pay too, but not asmuch as this one.
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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1889



1356 Magic Points
Subject: credit
 
 Posted on Mon Jan 05, 2009 2:41 am  
YEP...I do all three: DebtCC, Credit Forum and Insurance Forum. The money sure does help with gas, etc. ALL of the forums have a 'cash out' of $10.00. But, I agree with you...with DebtCC, it does a bit longer to get that $10.00. However.....ALL of them are great and I've had no problems 'cashing out' on any of them.
Lorri



Joined: 15 Jul 2008
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Posts: 253



213 Magic Points
 
 Posted on Mon Jan 05, 2009 3:07 am  
whats the insurance forum?---do you have to know about insurance matterss?
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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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1356 Magic Points
Subject: credit
 
 Posted on Mon Jan 05, 2009 3:29 am  
Ya mean do you have to be an 'Insurance Expert/Agent? NOPE.....it's about the same 'approach' as the other forums. People give their advice/opionion on the different threads. By the way,.....I REALLY like the quote that you have, "Never give up on someone you can't go a day without thinking about." You;ll have ALOT of fun on the other forums, too.
Lorri



Joined: 15 Jul 2008
Lorri's page
Posts: 253



213 Magic Points
 
 Posted on Mon Jan 05, 2009 3:36 am  
Thanks for the info--I did check out the insurance forum---I will probably join that as well. I know about as much about insurance as I do about debt or credit (which is nothing!).

And the quote? Well, it has a very special significance for me which is why I've got it on there.
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