Not a get-quick-rich-scheme, looking for make-money-fast-to-pay-off-bill scheme

[becca74]

I am desparate to pay off my credit card bill:banghead: preferably without my husband being aware that I am doing it!!

I know there are no get rich quick schemes that work.....

But is there any such thing as work I could do from home on a temporary basis to make enough money to pay off my card? Getting rich would be nice, but having enough money to pay off this bill is all I actually really need and care for at the moment..... Unfortanately my DH only pays me $500 a fortnight to clean the clothes & house and feed him, the 3 kids, myself.....which would be perfectly fine if I didnt have this debt that is slowly growing in absurd proportions.....(I went overdrawn, so havent even used the thing since April)

I used to work as a PA, but my printer has gone caput, so doing a bit of secretarial work from home is probably not gonna happen.....I'm 7 1/2 months pregnant with 3 kids under 6......the only thing I can think of is evening babysitting, like I did as a teenager.....but my sweet hubby is gonna question that.....

What about daytime babysitting (ie offering a few hours a day for other SAHM's that might have a daytime appt or something they need to do attend without children, as opposed to a full home day carer on a long term basis).......or would I still need to get training/qualifications/police checks that would take a few months to process......I dont know if the credit card company will wait that long.....

Extra ironing would raise my hubbies eyebrows.....as he knows ironing is my pet hate and the only ironing I do is one of his works shirts per day!

I wish I had a creative talent :( !

[InSaneOne]

if you find one let me know. the oly thing i have come across lately is a find-a-babysitter website. i did register on wednesday and i had a lady contact me about looking after her 21/2year old twin girls for a few hours every day while she works. i too am looking for a way to pay bills. i'll tell you now i am really glad i don't have a credit card. i just know that i would have a huge debt hanging over my head too.

[Mum&bubs]

Hey what is that babysitter website?!?

[jessgray]

hey im intrested in the baby sitting idea too :) plz send me a link:smiliedance:

[InSaneOne]

the babysitting website is http://www.findababysitter.com.au/ i think it is the best idea. it reminds me of the babysitters club books a little. i also think it is great. you can register t be a babysiter or you can look for one in your area.

good luck girls

[Mum&bubs]

Thanks :smiliedance:

[Little_Toad]

Hi becca74, - warning long post.

Just reading your post about being strapped for $.

Money is a huge issue in relationships. My DP and I are totally financially independant of each other which I used to find a bit odd for being in a relationship.
He's encouraged me to do really well with my work and this time last year i was 20k in debt. .. today.. ZILCH debt.

I now it is very hard to discuss finances with your other half, I didn't even have the guts to ask mine for a $100 loan once although I knew he would if i asked.

Aynyway, you may be better off talkng to your DH about it.
So instead of you paying $100 interest a month on your credit cards wouldn't that help going towards food?

Step 1. Call up your bank, either cancel your visa card or ask them to lower your interest rate. They should be able to lower it to 9.98% or something like that.. they wont do it automitically.

Step2. Get yourself a visa debit card... handy for when you actually need a visa for online payments, but you aren't putting yourself into debt.

Step 3. Pay off more than the miniumum amount each month on your visa and when you have paid off in $1000 increments, ring your bank and get them to lower your limit.. that way you wont be tempted.

Step 4. Open an high interest bank account. I have an Esanda account. Put in perhaps $10 or $20 a week if you can afford that. It makes saving fun instead of ALL your $ paying off debts.

Step 5. Most mportant. Sit with your other half when you aren't feeling emotional or overwhelmed about $ or kids, Tell him you are finding it hard to make ends meet and you'd like to talk about ways to make things easier for the whole family... get him to be involved in it like you are asking him for his "expert advice".
Show him on paper what things are costing you so he can see where the $ is going and that you aren't being frivolous.



Hope that things help a little and you find your way out of financial hurties.

[rynosmum]

I agree completely.

No matter how hard it is, you need to sit down and talk to your partner about this. Nip it in the bud now, not when you are desperately further in debt in a couple of months time owing even more interest than you do now.

He may be angry but two heads are better than one at fixing something as critical as this.

Best of luck:hugs:

[jessgray]

i agree with talking to DH/DP. i did this and we made a plan and wrote it down on how to pay off his debts plus all our bills :thumbsup:
and he even liked the ida of me doing some babysitting (he said it will help me get practise of 2 +kids before #2 is born lol)

[3boys1girl]

What about family day care?
Ring your local council and see if the scheme is running. Only thing is if your renting, the owners might not like it. Talk to your hubby, I think he will be ok with it if he knows your seious about paying it off. CUT IT UP!!! I had to with mine, my hubby has one now and only if its and emergency I use it cause I was to tempted
GOOD LUCK!!!:fingerscrossed:

[becca74]

Thank you everyone for your advice :hugs:

I got up at about 3am in the early hours of Saturday morning, totally stressed out about it....I'd had a dream that we were driving in the car, and suddenly my husband said 'I have to get out, you take over the wheel'....so I quickly got into his seat, but it was way back, as he is about a foot taller than me, so I couldnt reach the peddles, and the car just kept going forward, and I couldnt stop myself going through red lights.......

talk about my subconcious going over the whole issue!

Anyway, I sat down and went through the credit card bill and worked out how much of it was actually me (it is actually his credit card and he has one for me with my name on it....he never uses it, but because it is all in his name, I unfortunatly cant cut it up :banghead: as beleive you me I would have done it long ago).

So, although there are instances where I've put groceries on the card, which he doesnt like me doing, and will go ballistic if he finds out I've done it.....there are also many instances where he has asked me to buy something, and I've said that I dont have the cash to cover it, so he said to me to put it on the credit card.....

sooo....I've made a list of these instances, and they do count towards quite a hefty amount. I figured, I will not break it to him over the weekend, as the last thing I wanted is him sulking for 48 hours and making all our lives a misery, but I intend to construct an email to him today or tomorrow listing the items which he has asked me to put on it, that I am unable to pay off. (I cant bear to say it all to his face)...

In the past, I was putting paying back about $500 a month, though the amount the card company were asking for was about half that - but that was when he was giving me double that a fortnight......so I have successfully survived on the amount he is giving me now, it is just that I didnt let him know - and because I was putting so much back onto the card, I felt this justified me using it a little here and there......

but then he hit the bombshell of slashing my allowance in half so it could help pay for this house that he has to complete on in 2 weeks time.

He is not gonna like hearing that he has to dish out a huge amount - especially as he is trying to gather the correct amount for this house, and this will cause a bit of a dent......but at least it will cover the amount I am overdrawn....and I can pass the buck of blame a little.....

And I figure if I can do some babysitting, then I can use this money to pay off the card once I'm at least out of the red......I have told him that I want to babysit just so I can make a bit more cash, he rolled his eyes, but bought it, so that's ok....

It is just so frustrating when there is no NEED for us to be in this position. We shouldnt have to be struggling. Only last night he said that he forsees that he would like to buy another property for investment in about 18 months time. I feel like screaming and saying....why cant we be happy with what we have? I see it that God has provided us with enough income that we can be comfortable.....why do we have to create needless discomfort for ourselves by creating a load of debt?.....I'm not too educated when it comes to financial issues, maybe it will make us better off in the long run......I dont know....

oh well.......starting to ramble and probably give away too much info I'm sure ....... :o

I have registered with the babysitting site....so thanks for listing it :thumbsup:

[Mum&bubs]

hey i just wanted to say i signed up to that babysitter site & that night i got an email from a lady that lives not far asking me to babysit for evenings & weekends :smiliedance:

[Little_Toad]

Hi becca74.

Good luck iwith your email to you DH.. hope it works out.


only last night he said that he forsees that he would like to buy another property for investment in about 18 months time.


I build loan calculators for mortgage brokers and even though I'm not a financial wizard myself... The ost sensible thing is to pay off the mortgage you have. Don't get into more debt to try and create wealth.

Wether the banks call it "good debt" or "bad debt" it's all still debt.
Instead of getting another investment property, pay off your mortgage in a shorter time frame than possible.

Say if you currently have a loan for $250,000 over 25 years.Interest 6.75. Your Weekly repayments would be $398.
Instead of getting another investment, pay off $200 more per week on that mortgage and you would save a total of $157,000 and pay off you loan in under 12 years. Earn yourself wealth rather than the banks.

[becca74]

I have to mostly trust my hubby, he manages the southern part of WA's financial planners for a certain bank, so I figure he must know what he is doing with all this....but when he talks to me about anything financial to do with mortgages etc it sounds like gibberish to me :confused: (like, I dont discuss childbirth jargon with him, he dosent discuss financial jargon with me.....sometimes we are a bit like chalk and cheese...)

He just has no idea the credit card is so bad because I hide the statements when they get in.....before it was ok, I was keeping the dragon at bay so to speak......it is just now he is downsizing my 'allowance', and he thinks it's all lovely jubbly :rolleyes: It is pretty much my fault from keeping it from him, I guess I'm worried about the aftermath of telling him - there have been a couple of times I have had a fair debt on it and he's begrudgingly paid it off for me, but WOW do I get the blame for it all when it happens - but the debt has never been this bad before.....I dont need this kind of anxiety from him when I need to psych myself up to give birth in a few weeks.........so this is why I figure I'll just have to get off my butt and go an earn the money to pay off this debt myself.....

I have noone to blame but myself.....;)

[Little_Toad]

Bec..

Why don't you tell him about 5 seconds before you pop your next baby out!

He'll be too overwhelmed with joy about the baby being born he wont care about the debt.

[becca74]

Bec..

Why don't you tell him about 5 seconds before you pop your next baby out!

He'll be too overwhelmed with joy about the baby being born he wont care about the debt.


:laughing:

If I wait 6 weeks though I think I'll be having the credit card company ringing to tell him about it for me ...

I didnt tell him the enormity of the debt last night, but I did talk to him about us just getting rid of the card altogether...

I hope if I can take the angle that I never want to have to deal with another credit card in my whole life, and that if he wants one it is his problem, maybe that might show him how 'repentent' I am over the debt....

I'll have to email him today though, he asked if we'd received a statement.....uh oh.....