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pahunkboy -> RE: bankruptcy (11/17/2009 10:55:24 AM)
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quote:
ORIGINAL: BrokenSaint
quote:
ORIGINAL: TubGirl
Does anyone know about bankruptcy? Its something i'm considering, i owe about 12,000 on credit cards.
Uh, you should not be considering this for such a paltry amount. I wish I only owed 12k. I would shoot a man in the spine and talk to him while he dies to only owe 12k. Granted mine are student loans, but still, you can pop em pretty quick if you put yourself into it.
That said, here are some tips.
1. Find a grocery store where you can use double coupons, and unlimited coupons per order for example (they do exist). Grab enough of them and you can get alot of things free, or for pennies.
2. Cut off non-essential services.
A. Landline telephone. Easy solution for not having a landline= Get Skype, pay 50/year, buy headset for 40$. 90$ outset cost, saving you 25+/month easily (the 25 is what i used to pay for phone with pretty much nothing, no call waiting, no repair, no ld etc). Many people pay more for a landline, especially when you factor in long distance. You keep your internet, it piggybacks off there. You will not be able to use 911. On that. However. You will be able to use 911. How? Cellphone. Any cellphone. Doesn't matter if you're paying a telco for a plan or not, it will dial 911. You will have to tell them your address, but it works. All your long distance is covered in that 50 a year (inside the US, outside its a wee bit more, like 20 more a year or so)
B. Cable. If you have it. Dump it. You do not, and will not need it. Trust me. Learn how to watch things for free on the net. Hulu has brought that a wee bit mainstream. Your local library also probably has an oft unused movie section, that in most cases I've seen is damm good, and free.
3. Find a Keyco if they have them near you, or a similar type of bulk store (not like a sams club), they are godlike.
4. Cook for yourself, never or rarely eat out.
5. Salvo Salvo Salvo. (Salvo=Salvation army). Right up there with Keyco, these are the poor man's hetero-lifemate. Save a truly ludicrous amount of money, for things you want. Possibility to find pretty much anything there too, so makes shopping pretty fun.
6. Reduce your heating bill. Air leaks will fuck you. In an unpleasant manner. Ghetto stormwindows can be created with sheet plastic on the inside of your window. You'll create an airspace which will reduce the heat you lose. You can also hang blankets, but you'll lose the light, and sheet plastic will work a bit better. My family used to leave those up all winter.
Most of these are pretty common and well known, but you can save quite a bit doing them. Enough to help put a major dent in that bill if you haven't been doing them already. Good luck.
I like your ideas here. I have done much of this.
I do want to point something out. The shape of donated stuff has gotten shabbier. If you do buy a cloth item from a thrift store- leave it outside a few days. In the sunlight to kill any germs. Bed bugs are back in NYC.....
So air out things- then wash up real good.
I went to the surplus store last night for groceries- did real well.
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