Home budgeting isn’t always as easy as some books or experts try to make it out to be. The fact is that while there are some good guidelines to follow at the end of the day both your income and expenses do change from time to time making it very hard to stick to a budget 100%.
There are unexpected bills, illnesses and sometimes life gets in the way. Don’t feel bad if you struggle to get on top of your finances. This is a struggle that many of us have to live with every day.
A common option is to take out a personal loan to bridge the home budgeting money gap. Done wisely this can be a good solution but it does carry plenty of risks and of course you could end up paying high interest and even digging yourself further into debt.
So before you take the plunge and sign up for a personal loan just make sure you have checked out these options. You might not be able to avoid taking out a loan entirely but you might be able to reduce the amount you need to borrow.
Clear Your Clutter
Sell those old books, CDs and DVDs you have lying around. Some people make a full time income finding old books at yard sales, buying them for pennies and selling them on Amazon. You often won’t make much on the book itself but Amazon pays you a set shipping and handling fee. This fee is more than enough to cover the packaging and postage and you are legally allowed to take the balance for your time and effort.
I know folks who send out 50+ books a day, it adds up and puts food on the table.
Make More Money
This is the method I used to get out of my home budgeting problems. If you’ve got some spare time and energy then there are some good options for you to earn more income.
If you like talking to people you could try Avon or Mary Kay many of their products are in demand, are trusted and not hard to sell.
People and businesses always need help with all sorts of services. Think about things you know how to do. It could be cleaning, translating documents, book keeping, painting anything you are good at. Ask your local businesses if they’ve got any odd tasks or things they are struggling with you will find some way to help out. Remind them you are not looking for a job but offering a service.