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I would track all of your finances via an excel document and keep doing that for awhile. Credit Cards are great for cash back, but can get very iffy on how much you are actually spending without keeping an exact record of it. You'd be amazed at how much you are spending per month without seeing it in front of you!
This suggestion would not work for everyone, but I lost my job in December of 2010. I received a generous severance package and insurance for one year. The first thing I did was to eliminate all my debt. I took a portion of my 401K and paid off the house, second mortgage and credit card.
I then use the severance for monthly expenses, including food, utilities, etc. We eat out less. We did not buy season tickets to the Little Theater this year and we are keeping close tabs on all spending. With any luck, the severance package will cover 18 months instead of the year it was intended to cover.
Save any and all money you can - even pocket change. Keep as much money from your income as you can - in other words cut spending way way down.
Track all of your expenses - even that cup of coffee at McDonalds. Once you know where your money is really going, then you can make the changes and cuts to make ends meet.
Yes, paying off debt is super important and do not charge anything at all unless it is an absolute emergency.
by Ralph Deeds9 years ago
Paul Krugman's column in the NYTimes today 1-5-08 is entitled "Fighting Off Depression." In it he called the recent economic numbers "terrifying," not just in the U.S. but around the world....
by 73mustang17 years ago
My employer upon terminating my employment for no casue chose to distribute my severance package...over a 13 week period instead of a lump sum as they had indicated. According to the Adminsitrative Law Judge, I am...
by nightwork47 years ago
Should severance packages be paid to government employees that are forced to resign?if they resign because they did something unethical or illegal, should they still recieve severance packages?
by DarleneMarie6 years ago
How to Get My Spouse from Over-Spending?
by Sandyjunep6 years ago
I have listened to people, they starta budget, but can not succeed. Often people comment that they get depressed and it causes more stress. Why is this?
by John4 years ago
How do you think cutting the federal spending will help the economy?
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