Tag Archives: bills

16 things you’ll relate to if you’re broke

1. You always have to make excuses when your friends wanna hang out and do things that involve actually spending money…

2. …or you suggest boring activities that won’t cost anything.

3. This is pretty much what your diet consists of. Breakfast, lunch, dinner. Every single day. Always.

4. You’ve wondered how necessary it really is to eat every day.

5. You’ve also calculated just how many jobs you can fit into your schedule if you forgo sleep entirely.

6. You don’t know what it feels like to actually have money in your bank account, because as soon as you get paid, it all goes towards your bills.

7. The highlight of your day is finding a quarter on the ground.

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8. You’ve gotten crafty when it comes to saving on gas.

9. In fact, you’ve started walking home from work to save on gas. It’s about 10 miles, but no biggie.

10. Forget replacing clothing. If they can be sewn, patched, stapled, etc. you will wear those same pair of jeans until they no longer fit or you die.

11. You never bother paying for full-sized condiments…

12. And all of the toiletries in your bathroom are just tons of free samples.

13. You’ve gotten pretty good at cutting your own hair. Or at least that’s the lie you tell yourself.

14. You don’t get mad at the old lady paying for her groceries with a bag of pennies, because you’re about to do the same.

15. Who needs medical care and fancy doctor office visits when you’ve got the Internet to diagnose your ailments?

16. You want to punch people in the face when they say money can’t buy happiness.

 

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11 financial habits you may want to break

1. Opting for retail therapy whenever you have a problem, instead of just regular therapy.

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2. Gambling. And then losing, and then gambling your rent money to try and get back that money you lost. And then losing again.

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3. Charging on credit cards like it’s free money that doesn’t need to be paid back.

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4. Being late with your bills…

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5. ….Or just ignoring them completely.

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6. Opting out of insurance policies that you really should have, or are required to have.

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7. Buying stuff that’s on sale, just for the sake of buying it—even if you don’t really want or need it.

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8. Living beyond your means.

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9. Thinking you’re too young to worry about retirement.

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10. Not caring about your credit report.

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11. Not saving any money. At all.

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Carpe diem: seize the day. Maybe you like to constantly live like there won’t be a tomorrow, and sometimes, that’s okay. But if it’s affecting your spending and financial habits, you may want a new motto to live by. Because tomorrow probably will come, and so will those bills. If you’re in debt and need to pay it off, J.G. Wentworth may be able to help if you’re receiving annuity payments. Contact us today to learn more about selling future annuity payments for a lump sum of cash.

Nothing contained herein is intended to be, and you should not consider anything contained herein to be, investment, accounting, tax, or legal advice. If you would like investment, accounting, tax, or legal advice, you should consult with your own financial advisors, accountants or attorneys regarding your individual circumstances and needs.

How procrastination can literally cost you

Just about everyone likes to delay unpleasant tasks for as long as possible—after all, why would you want to clean your house or take care of boring errands when you can take a nap instead? Procrastinating from time to time likely won’t result in anything terrible, but when it comes to certain things, it can literally cost you money.

Bills

Rent, electric, cable? Eh, you’ll get to them later and when you feel like it. The problem with putting off your payment obligations is that you might forget about them completely, and it won’t be until you come home to a dark home and an eviction notice that you’ll remember them again. Even if you miss payment deadlines by a few days, you’ll likely need to pay late fees, reconnection fees, and so on. Take care of your bills right away or put them on automatic debit to avoid these costly consequences. 

Sales

Missing out on a good sale or forgetting to use an about-to-expire coupon isn’t a big deal if it’s something you don’t need, want, or use. But if you know there’s a limited-time, money-saving opportunity for something you’ll inevitably purchase at full-price anyway, why would you want to miss out on the discount? For many people, taking the time to go to the grocery store or wherever they need to go just isn’t on the top of their to-do list, but it’ll cost you if you do procrastinate and miss out.

Saving

A lot of people put off setting a budget that allows them to contribute money to their savings account. Maybe you tell yourself that you’ll start saving when you make more money, have less debt, win the lottery, etc. But you’ll want to begin saving whatever you can right away, even if the contribution is small, and even if it means making a sacrifice to make it happen. Over the years, the savings will add up, and you may really need that money one day—whether it’s for retirement, a down payment for a home, or to take care of an emergency. Without any money in savings, you might find yourself in a very difficult situation and turning to other expensive alternatives.

Work and school

If you’re constantly putting off projects at work and failing to meet deadlines, it can cost you your job and that steady paycheck. If you’re a college student, you’re probably the master of procrastination, but that doesn’t mean it won’t catch up to you. Not studying for tests or completing assignments until the last minute can mean bad grades, which can result in you failing your classes. With the amount of money that it costs to go to college, the last thing you’d want is to throw that money right out the window by procrastinating and failing a class.

 

Are you receiving structured settlement payments, but need to receive your money sooner? Contact J.G. Wentworth today to learn more about selling future payments for a lump sum of cash.

Nothing contained herein is intended to be, and you should not consider anything contained herein to be, investment, accounting, tax, or legal advice. If you would like investment, accounting, tax, or legal advice, you should consult with your own financial advisors, accountants or attorneys regarding your individual circumstances and needs.

19 tweets that express the joys (and struggles) of payday

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Do you have bills to pay and expenses to catch up on? Whether you’re waiting for your next paycheck to arrive or your next structured settlement payment, let J.G. Wentworth help get you the cash you need in the meantime. We have a personal loan marketplace, and we can also purchase your future structured settlement payments so that you can get your money sooner and in one lump sum. Contact J.G. Wentworth today to learn more!