Tips Series: Seven Emergency Budgeting Tips
By Contributor • Nov 26th, 2010 • Category: Budget
Here is our latest article on Budget Tips
When you are desperate to raise emergency funds, it usually doesn’t take very long for you to realize who really cares about you, who is truly a friend … be they family or not.
Here are a few emergency budgeting tips:
Budgeting Tip #1: The first thing you want to do is prioritize to get back on track very quickly. If that means letting your credit card bill go for a bit, so be it. As soon as you realize that you have a money emergency, contact your credit card issuers and request reduced interest rates and payments. Not only one, both!
Budgeting Tip #2: For your car payment, call the creditor and request a payment extension. Perhaps you hate payment extensions, because they require a fee and you still have to make the payment at the end of the contract. In this case, a payment extension can allow a little breathing room to help you recover during your money emergency. Expect that you will likely have to pay a fee (usually about 1/4 – 1/3 the car payment amount) for the extension. Freeing up the money you need today is your first and only goal at this point.
Budgeting Tip #3: Check to see if your mortgage holder will allow an extension for a nominal fee. Do this today!
Budgeting Tip #4: Another quick fix, is to host an on the spot yard sale. You don’t have too much time for planning, so do a quick survey of your personal belongings. Come up with clothes that no longer fit, but that are in good condition, knick-knacks, dishes, and books as well as stuff you bought but no longer use. Throw it all together, quickly. Put some notices up the same day at laundry mats and grocery stores around town, and remember to place a sign at the end of your driveway. You can make a quick 0 this way with very little time and effort.
Budgeting Tip #5: If you have a larger item to sell, call into the local radio stations to see if they have a “call in swap show” on the weekends. This is a very popular way to quickly convert gently used and more expensive items to fast cash.
Budgeting Tip #6: Another quick option is with utility and telephone bills. If you aren’t already on a budget plan, ask that the current bill (plus any previous balance you owe) be set up for a budget plan. Expect to pay a down payment (usually 1/4 of the bill) and that all future bills (while on the back payment budget plan) must be kept current. The nice thing about it … it’s usually interest free, and can give you some much-needed breathing space for a month. You must be sure though that you maintain the regular utility payments AND the budget payments in the coming month.
Budgeting Tip #7: Check with your family church regarding emergency help. Local churches can be one of the best places to find out what’s available in the community to help those in need, or in times of emergency. Check with your local church, first.
Getting Fast Cash through Borrowing
If you are absolutely, positively, in a bind, a real cash emergency, and you have exhausted all of the above, then consider borrowing. First, ask your family, then your local bank.
As a last resort, you may want to consider what’s known as a “Payday Loan.” These types of borrowing stores can be useful when all else fails.
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Be My Friend – www.myspace.com Nutrition by Natalie Eat Healthy Food on a Budget Tips Save money and eat healthy foods as the same time. Natalie gives ways eat better without breaking the bank. Tips to eat better for less. A healthy diet will increase health, weight loss, wellness and fitness. Please visit Natalie’s website at www.nutritionbynatalie.com Music By Jimmy Gelhaar http youtube.com This video was produced by Psychetruth www.myspace.com www.youtube.com ©Copyright 2007 Zoe Sofia. All Rights Reserved. This video maybe displayed in public, copied and redistributed for any strictly non-commercial use in its entire unedited form. Alteration or commercial use is strictly prohibited.
Video Rating: 4 / 5
Question by Julie Von Seaton: How much “tip” do you give a tattoo artist?
Just curious about my first tattoo and my budgeting.
Best answer:
Answer by DAR76
15 – 20%. Depends on how he or she provided service and the artwork.
Know better? Leave your own answer in the comments!
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Cheep healthy diet food, boiled split breast chicken with veg pepper, salt, and hot sauce, NO RANCH…… Tuna in water mixed with nothing on wheat….. shrip has no fat andmajor protein…..1%ft cottage cheese fills you up……..celery is great filler with almost no nutrition………no oils, always ketchup or hot sauce!!!
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I love to support my local farmers market! Natalie is right ~whole foods are the way to go! Thanks for the video! Another good tip to save lots of $ on groceries is visit
mpbtoday(dot)com/sharefreegroceries
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@AUTubeN22 actually shoprite has coupons for healthy food they send me a coupon book every month also try product websites they usually have coupons and in the paper as well
Good tip to eat before going food shopping!
thank you so very much.
I found that I simply replaced the meat and horrible foods I once bought with raw fruits and veggies . I spent less now than before and I am so please.
get rid of the music its distracting
Natalie is so right on this, show me a healthy restaurant also??? Not many of those around although some claim to be HA!!! Great video Natalie thanks
healthy food is so not cheap in my country and there is no coupons of any kind
I love the conclusion. So true!
Very true. People’s priorities are out of line. Most would rather eat food that’s cheap or convenient even if it’s wreaking havoc on their health.
learn which foods grwo locally , wild , organic and free.
well you dont actually always have to give one but they appreciate it if you do. usually it depends on how much they did it. if its those little stars probably just a dollar. and so on. or just pay about 10 % of the tattoo price. hope this helped and good luck
usuallyi tip around £5 – £10. it really depends though wether it is a big tattoo though none of mine are really big.
I truly do not know. My boyfriends stepdad who is a qualified tattoo artist is doing mine for free. I offered to pay but he wouldn’t accept.
Tattooing is nothing like waiting tables or delivering pizza. Tattoo artists make great money. Let’s say you get it done by a shop artist. They usually give 40-50% of the cost of the tattoo to the shop owner. So, if you get a tattoo done, and it takes an hour, and their hourly rate is $ 100, they just made $ 50 an hour. Of course there is overhead, but, not enough to break the artist. If you get a small tattoo and pay the shop minimum, which is usually between $ 50 and $ 60, the artist gives half of that to the shop owner, meaning they just made $ 25 or $ 30 an hour. Do you make that kind of money? I think it’s sill when people say to give 15-20% like you would at a restaurant. Tattoo artists do not expect tips, it’s just a courtesy to let them know you appreciate their work. When you tip a waitress, you are adding to the $ 2.75 they make an hour, in hopes that they end up earning minimum wage by the end of the day. If you like your tattoo, and spend $ 100-$ 300, give them an extra ten and be done. You’re already paying for the service, why tip? At a restaurant, you are tipping the waitress for serving you, not for cooking your food and making your drink.
It all depends on how well they did, how big it is, and how well you like it.
Depending on how satisfied I am, and how much cash I have on me, I tip anywhere from 15-25%. But how much you tip is a personal choice.
Yeah, about 10-15%.