Life is really hard when you are born underprivileged financially. Let’s admit it one aspect that is very important today in our lives is financial, for how will we eat and drink, send our kids to school, have electricity and other utilities if we don’t have money to pay for them?

For a stay at home mom like me, budgeting is a hard task and it’s really draining me mentally. Unlike before when I was working mom where I have a regular income and can have cash advances when budget comes short, budgeting was a lot easier. Well, I’m not saying that I enjoyed being a working mom better than a stay at home; it’s just that being a working mom then made me more feel stable in terms of our financial. Especially now that my online opportunities are low – thinking of it is really crushing my brains. Urgh!

Have you ever heard about San Diego Chapter 13? If not, you better read this post a little further for this might save your future.

With the erratic economy we have nowadays, it is inevitable that most of the citizens of our country experience bankruptcy. Especially if you have lots of debts on hand and more incoming expenditures, one will be in great need to declare bankruptcy. But of course, vis a vis that declaration all your assets will be loss. But did you know that thru the help of San Diego Chapter 13 service that Steigerwalt Law Firm is offering you can still keep your home, car and belongings.  Their lawyers are experts on bankruptcy and other financial issues that keep indoors for days. But of course, if you declare bankruptcy under this chapter you should have a steady income for you to make a single monthly payment on your debts.

For more information, you can visit their site and get an initial free consultation for your finance review and if you qualify they will suggest the things that you should do. So what are waiting for? End you financial problems now and be debt free.

Since I became a stay at home mom, I was always online searching for ways to save and earn more money. Fortunately, there are many useful articles that I’ve read and are definitely easy to comprehend and do at the same time. Anyways, I just want to share this article from ehow.com for I bet they will definitely give you the tips for a more easy life.

Saving $100 every week becomes $5,200 a year – and $52,000 over 10 years! It’s one of the simplest ways to get rich, and best of all, it’s surprisingly easy. A financial wizard from the Stanford Business School once gave me some great advice: “Do the math.” It’s not hard to overpay for luxury items when they’re purchased individually. But you’ll quickly see which items are wrecking your budget if you calculate their total cost for the month.

Do you want to have $100 more next week? Here’s how…

1. Avoid Restaurants

Even a meal at McDonalds will cost you $5 – and at nicer restaurant the bill will be $10 or even $20. (Think of it this way: while you’re eating their food, they’re eating your savings!) For me the biggest culprit was the lunchtime meal during work. The solution was finding a favorite food that I could take with me. And it’s a perfect example of doing the math – eating at a restaurant for five work days’ costs between $25 and $50.

2. Shop Smart

Even grocery food can be expensive – especially prepackaged dinners and snack foods. (I had a roommate in college who survived for a whole semester buying loaves of bread and enormous jars of peanut butter.) Shop carefully – it’s usually cheaper to buy things in the biggest size possible. And if an item’s on sale, stock up.Everybody buys groceries – so there’s usually programs that help you save even more. For example, coupons can save you hundreds of dollars over the course of a year. And it’s possible to save big with the “club card” programs offered by most supermarkets.

3. Stop Smoking

It’s the first thing politicians tax – and it’s got lots of hidden costs. Eventually cigarette smoking can lead to expensive health problems, but it also weakens the immune system, meaning it may ultimately burn up an entire eight-hour sick day. And ironically, buying cigarettes leads to other purchases – like cough medicine and breath mints!

4. Reduce Monthly Bills

I saved $20 a month by switching to a cheaper cell phone plan. And there are also opportunities to save on your regular phone service. (Sometimes if you switch your long-distance carrier, a competing company will over you a hefty cash incentive to switch again!) It’s also possible to shop around for a better deal on internet service and even auto insurance. Several companies are competing for your business – so take advantage of the best offers!

5. Credit Cards

Millions of people carry credit card debt – and the monthly interest payments can be very expensive. Balance transfers may seem like a good idea, but make sure the “transfer fees” don’t offset the reduced interest rates. Balance transfers create a “delayed time-bomb” effect, since the low introductory rate can vanish before the balance is paid off. But there’s an even easier way to save money on credit card bills: call the card’s issuer and ask for a lower rate. They’re aware of the possibility of balance transfers, and will often offer the lowest possible rate rather than losing a customer altogether!

Once you develop the “saving habit,” it becomes easy to save $100 a week. Just keep telling yourself that it adds up to $5,200 a year, and $52,000 over 10 years. So if you want to get wealthy – just do the math!

Hopefully, I can do all of this. But as they say, if you’re breaking a habit ( yes I’m breaking my overspending habit) it is better to quit it one at a time for it to make more effective than surprise yourself in one sitting and feel the withdrawal symptoms and fail at the end. Lol!

I really wanted to have a Chanel or a Louis Vuitton bag! But unfortunately, I really can’t afford one. Huhuhu

First of all, our savings is not enough for a Chanel or a LV bag because we have to consider our upcoming expenses. One of them is my child delivery by the end of May or June this year. This will surely be our first major expenditure. Another is we are currently saving for the construction of our dream house. We are hoping to save it before the last quarter of this year so that by January of 2012 we can start its construction.

As they say in times like this and with money constraint – one should prioritize! And that’s what I’m doing right now. I’m trying to control myself on shopping especially on bags. I’m even restraining myself from buying a replica Chanel just to protect our savings..

Yup, a friend of mine offered a Euro Replica (exact replica) of a Chanel 2.55 Reissue and it costs more or less 6K. Here’s the bag.

I don’t really know how the authentic one looks like in person but to my point of view, it seems that there is no difference and as she said it is the exact replica. Well, a replica is so much cheaper that the original  (especially if you don’t have the money ) which is really tempting. But I’m still thinking of buying this one for as I said I need to prioritize! 

Broke this Christmas day?

Oh my! That will be a major no no for this year’s happiest day of the year. And I bet none of us wanted that to happen that on their financial. But if ever, you underestimated your expenses and have overspent with your Christmas shopping, you can try applying for quick payday loans.

Yup! You can do that and have your cash before the event. Well, you might be wondering why I’m optimistic that you’ll get your loan as soon as possible. Well, with the ever helping and with the ever high technology we have today, you can easily avail for same day payday loans to cover up for your financial constraints. Yes believe it or not you can get instant payday loan online. It’s as easy as 1-2-3! No credit check and no faxing of requirements or any documents for it to be processed. All you have to do is fill the quick and easy fill-up form, submit it and just wait for about 2 minutes and you’re set! Easy money in no time! Plus you can be sure that everything you jot down and all transactions will be considered confidential and secure.

So what are you waiting for? If you really need it just browse on any online payday loans sites or better yet you can check out Luxurygaze.com for more details.