#moneyhelp
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Hi!
Post for my friend Tiffany Montgomery
She is needing monies for rent, electric, wifi.
She is also needing food for the kiddoes!!!
Cash app:
$cicinovatay
Venmo:
@cicinovatay-mommy3
Meal train
https://mealtrain.com/e3z0z2 if you could PLEASE send food. She has children to feed and one pet.
Please send her food as a gift from intacart and food delivery or deliver food boxes
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i am literally so desperate for help
please, i haven’t had work in 3 weeks but i’m hoping to get started again this upcoming week. i’m having a pretty expensive spinal surgery in 3 days and i’m really struggling with affording things right now. if anyone sees this and is in a place where they can comfortably help me out, my venmo is @spas22 and i would be so forever thankful.
#venmo#help#please#askingforhelp#desperate#struggling#surgery#ineedhelp#imsorry#sorry#this is embarrassing#embarrasment#moneyhelp#personal
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I’m selling this beautiful violin! If interested, please check out the link in my bio! https://www.ebay.com/itm/165893534826 #violin #forsalebyowner #crowdfunding #ebayseller #ebay #freeshipping #moneyhelp #handcraftedviolin #musicislife (at Fairhaven, Massachusetts) https://www.instagram.com/p/Cnkb6juvTOn/?igshid=NGJjMDIxMWI=
#violin#forsalebyowner#crowdfunding#ebayseller#ebay#freeshipping#moneyhelp#handcraftedviolin#musicislife
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What is Temu and is it legit? - Times Money Mentor - The Times
Helping you make the most out of your moneyHelping you make the most out of your moneyUpdated March 22, 2024Temu has taken the UK by storm since the Chinese shopping giant hit our shores last year. The online marketplace offers an array of extremely cheap goods, from sunglasses to blenders and kids’ toys. But with deals that often look too good to be true, is Temu legit?You might have seen Temu’s…
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Simplify Your Financial Life: Discover the Top 7 Online Budgeting Tools
Managing a personal budget can be a daunting task, but with the right tools, it can become a manageable and even enjoyable process. Here are seven online tools that can help you take control of your finances:
MoneyHelper's Budget Planner: This free online tool helps you track where every pound is being spent, offering a breakdown of your finances by category and personalized tips to improve your financial health.
YNAB (You Need A Budget): Ideal for setting goals, YNAB offers a forward-looking approach to budgeting, helping you plan for the month ahead with a 34-day free trial before a subscription fee applies.
Empower Personal Dashboard™: If tracking your net worth is your priority, Empower offers an intuitive dashboard to monitor your financial growth, and it's free to use.
Goodbudget: Based on the envelope budgeting principle, Goodbudget allows you to allocate funds to different spending categories, with a free version available and a Plus version for a monthly fee.
PocketGuard: For those who want to track their spending closely, PocketGuard provides insights into where your money goes, offering both free and paid versions.
Stash: Stash is not just a budgeting tool; it also offers automated investing options, making it a great choice for those looking to grow their savings with a monthly subscription.
Honeydue: Perfect for couples who want to manage their budget together, Honeydue offers shared budgeting features and is free to use.
Each of these tools offers unique features that cater to different budgeting needs, whether you're looking to track your spending, save for the future, or manage finances with a partner. By leveraging these online resources, you can create a personalized budgeting system that works for you, helping you achieve your financial goals and gain peace of mind. Explore these options and find the one that best fits your personal finance management style.
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New Post has been published on All about business online
New Post has been published on http://yaroreviews.info/2023/04/santander-boss-says-no-risk-in-ringing-for-help
Santander boss says no risk in ringing for help
By Emma Simpson and Kevin Peachey
BBC News
Ringing a bank when facing financial problems as prices soar will make things better, not worse, according to the boss of Santander.
Mike Regnier, UK chief executive of the bank, said early notice of difficulties can save further pain and may not affect a customer’s credit rating.
The BBC visited Santander’s support centre as staff took calls from people struggling to afford nappies and milk.
Staff say some cases can leave them in tears.
“Sometimes it does bring a tear or two to your eye. People do go through difficult times,” said Maxx Townend, one of the helpline operators working in Bradford.
“But you’ve got to be that strong point for them. If there’s two people breaking down on the phone it’s going to be a bit of a jumble. But if you’re being that strong person, they are going to feel strong as well.”
The rising cost of living has meant calls to the helpline are up 14% since last year, while the number of people accessing the support pages of its website is up nearly 50%.
Mr Townend, 23, has been with the company for seven months, having been inspired to join after he sought help from his bank during the pandemic.
“I’ve been in their shoes and I thought, I want to do it,” he said.
His colleague, Keri Machen, has worked at Santander for 15 years.
“We need to show that we are human at the end of the phone,” she said. “There are some stories which are incredibly difficult for them to explain, for us to hear and to know the right thing to say. But I think that as long as we take the time to really understand what they are telling us we can work together and find a way out.”
Overdraft changes saved borrowers £1bn, says watchdog
Warning Christmas debt could take years to repay
During the BBC’s visit, some customers were looking for basic advice on how to reduce their spending, but many were calling in to get funds released to pay for everyday essentials.
“We know the challenges, that this is real life that people are dealing with day in, day out,” Mr Regnier said.
The team is proactively contacting customers who they assess as being at risk of not being able to cover their monthly outgoings.
Tackling It Together: How to deal with looming debt
Talk to someone. You are not alone and there is help available. A trained debt adviser can talk you through the options. Here are some organisations to get in touch with.
Take control. Citizens Advice suggest you work out how much you owe, who to, which debts are the most urgent and how much you need to pay each month.
Ask for a payment plan. Energy suppliers, for example, must give you a chance to clear your debt before taking any action to recover the money
Check you’re getting the right money. Use the independent MoneyHelper website or benefits calculators run by Policy in Practice and charities Entitledto and Turn2us
Ask for breathing space. If you’re receiving debt advice in England and Wales you can apply for a break to shield you from further interest and charges for up to 60 days.
Tackling It Together: More tips to help you manage debt
Research and transaction data from elsewhere in the sector has suggested that many people have avoided debt by using savings and cutting back on non-essential spending.
Two broad camps have emerged among consumers as prices and bills have soared over the winter, although everyone’s financial situation is different.
Banks say that millions of people had built up a savings buffer during Covid lockdowns and have kept their jobs, which had helped to accommodate the rising cost of living. They have also cut back on various elements of spending to help their situation.
The second group do not have that luxury and, although they may be working, could have already been in financial difficulty.
Mr Regnier, from Santander, said that he had not seen a big increase in the number of customers that are falling behind on the debts nor a big increase in the amount that people are borrowing.
For instance with mortgage payments, there are still fewer customers in arrears than there were before the pandemic.
Around 60 customers a month are referred to PayPlan, the free debt advice group funded by all the banks and the credit industry.
Among those who has received help is Zack Wilson, from Sheffield.
After losing his partner to cancer, he found his money problems spiralled. He lost freelance work, had to move house and had unexpected bills to pay.
Soaring energy and food bills were the final straw, leading to what he describes as a “sheer fear of thinking, what will happen? I’ve not got enough money to last”.
“I didn’t realise how precarious life could be,” he said.
Last year he went through an Individual Voluntary Arrangement (IVA), a form of insolvency proceedings, He found that being able to communicate online and on WhatsApp with advisers made a huge difference.
“I’m not the kind of person who finds it easy to ask for help but I’d urge anyone to do it, don’t shy away from it – bite the bullet,” he said.
He is now a union rep alongside working at Sheffield City Council. He is still struggling with the money he has to live on but he can see light at the end of the tunnel.
Related Topics
UK banking
Cash
Money
Personal finance
Personal debt
Cost of living
More on this story
What do I do if I can’t afford to pay my debts?
8 March
Overdraft changes saved borrowers £1bn, says watchdog
20 hours ago
Debt avoided by cutbacks on dining out and clothes
9 March
Warning Christmas debt could take years to repay
16 January
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For Talk Money week, we've put together top five tips for saving money which we hope will be a real game changer for your finances. Let us know if you're already doing these or which ones you'll be trying out. #talkmoneyweek #charitylink #moneymanagement #savemoneytips #talkmoneyweek #charitylink #helpline #financialsupport #moneyhelp #moneyworries
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Will my life insurance cover the cost of my funeral?
It's always tough to think about what will happen after you pass away. But from your funeral costs to insurance, some things are worth planning for.
Life insurance can ease the financial strain on your loved ones at an emotionally difficult time. A lump-sum payout after you’re gone could save them from financial hardship, covering mortgage costs, debts and other household expenses.
And the benefits don’t end there. Funeral coverage is also offered by some life insurance policies with a payout further lifting the pressure on your family. Read on to discover the typical costs of a burial and cremation, as well as how to use life insurance for funeral expenses, and the other options that are available.
Life insurance for your funeral
Death can be a sensitive topic to discuss. But funeral planning is one of the most immediate issues your family will have to grapple with after you’re gone. By giving us the chance to pay respects to a loved one and celebrate their life, funerals are emotionally demanding events. Their financial impact can also pose a headache when you add up things like funeral directors’ fees, a headstone and even catering. This is especially true if the person who’s passed on was the main financial provider for a household.
As a result, preparing for the costs of your ceremony can make a tough period that little bit smoother for those you leave behind. The good news is you have a range of options to support your family when the time comes. Life insurance and specialist funeral cover are the main products to think about.
How much does a funeral cost?
The basic cost of a funeral depends on your choice of ceremony, with a burial typically coming to £4,383 and a cremation adding up to £3,290 , according to the government’s MoneyHelper service. However, the exact price will vary depending on where you live, and it could be lower if you don’t use a funeral director.
Just remember that burial, cremation and funeral director fees may only be the tip of the iceberg when budgeting for your ceremony. For example, common funeral extras include:
Booking catering and a venue for the wake.
Flowers.
A memorial, such as a headstone.
A funeral or death notice.
An urn for your ashes.
Ultimately, no two funerals will cost the same. The type of ceremony, its scale, and the extras you choose will all influence the final price. Whatever you decide, it’s important to inform your loved ones of your wishes before you pass away. This will ensure you’re all on the same page and help everyone estimate and budget for the key expenses.
Does life insurance cover funeral costs?
Funeral coverage is something your life insurance policy can help cover. Life insurance pays your beneficiaries a lump sum if the worst happens, which can normally be spent however they wish. That means it can cover everything from bills, debts and mortgage payments through to day-to-day family expenses — and funeral costs.
The ways life insurance can help
A life insurance payout used for funeral expenses might provide vital funds to your loved ones. It could save them the difficulty of finding thousands of pounds at very short notice — and from being forced to take on more debt. It may also come in handy even if you’ve built up savings specifically towards your funeral. That’s because your bank account will likely be frozen once you pass away, and any savings won’t be unlocked until your will is executed.
A lump-sum life insurance payout means funeral cover is effectively built into your policy. However, more specialist products are also available to help you prepare, including funeral payment plans.
How do I pay for a funeral with insurance?
You’ll have two main options when covering your funeral cost with insurance:
A lump sum from a life insurance policy. Choose from a term life policy, where you’re covered for a fixed period, or a whole life agreement, which stays in place until you pass away. Either way, your beneficiaries should receive a lump sum that can contribute as much or as little as they want to your funeral expenses. It may be worth having a chat about how much of this payout should be put towards your funeral.
A specific funeral cover policy. Also known as funeral payment plans, these products allow you to pay for the costs of your ceremony in advance. On the one hand, they can ease the financial burden for your loved ones. On the other, the money you’ve paid in can only be spent on your funeral — unlike life insurance payouts.
FAQs — funerals and life insurance
What’s the difference between a funeral plan and life insurance?
The main difference between funeral plans and life insurance is what they cover your loved ones for. As the name suggests, a funeral cover policy only pays towards your funeral costs. In contrast, life insurance payouts can generally be spent however your beneficiaries wish. They can cover funeral fees, but can also be used for other expenses, such as mortgage payments and other debts or living costs.
When does a life insurance payment pay out after death?
The time when a life insurance payout is made varies depending on your circumstances and the provider. For example, a claim may need to be verified, or medical evidence might have to be collected. However, once the payout has been agreed, it can often be made within a matter of days.
Is the beneficiary of life insurance responsible for funeral costs?
No, a life insurance beneficiary isn’t usually obliged to spend their lump sum on funeral costs. Instead, they should be able to spend the money however they want, supporting their household at a difficult time. Other common uses of life insurance payouts can include mortgage bills and debt repayments.
Credits to: LV Life Insurance
Date Posted: 28 February 2022
Source: https://www.lv.com/life-insurance/life-insurance-and-funeral-costs
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Urgent money need anyone can help Scan QR and send fast urgent need
#business#sexy#sexy af#sexy pictures#sexy model#beauty#bikini#lingerie#hot#fashion#moneyhelp#help#moneyhelper
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Is there anyone out there willing to help a single mom whose losing her home...
My ex Partner left me and his 2 year old little girl in a whole....
Bills that he had told me he was paying but in fact was not... .. all 3 months overdue..
Our Mortgage: $2,600
Home Phone and Internet: $225
Car Ins: $110
Electric: $2,300! ( Currently on a program in Pennsylvania that's called P-cap.. only covered $300.00 )
Other small business things : $2,000
That's a Total of almost
$8,000.00
We have noone to help and nowhere to go to other than a shelter ... He royally kicked me down, threw dirt on me, then stomped on me like I was a cigarette butt.
But, I will do what every mother would do. We will survive... whether I have to Beg social Media or if I have to go dancing at a strip club. My Baby Girl will have a roof over her head , food in her mouth, clothes on her back, clean diapers to sleep in and a warm bed to cuddle IN.
He deserves whatever Karma is about to throw at him....
😫💔😭
#hurting#finances#momsinneed#singlemom#help#weneedyou#weneedasavior#2yearsold#ourhome#helpuskeepourhome#babygirl#begging#money#moneyhelp#bekind#donate#please#abusive relations#abuse#manipulated#caged#domestic violent relationships#domesticallytorn#daddyisanightmare
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British passport application cost and renewal price - Times Money Mentor - The Times
Helping you make the most out of your moneyHelping you make the most out of your money |Chief writerUpdated March 28, 2024Heading abroad? It’s crucial that you ensure your UK passport is still in date. We explain how to renew your passport online or by post, how long it will take and how much you’ll need to pay.Currently, you can expect a UK passport renewal to take up to three weeks, according…
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😪 any help is appreciated!! venmo - @spas22😪
if all of my beautiful followers sent me $1 i could afford to move out of my current living situation which is making my mental health really bad. please, my job doesn’t pay me enough to be able to live on my own, i’m living in a house where my mental health is getting worse, i’m being watched all the time, i can’t take it anymore. please, if you could - even .50c would be appreciated. my venmo is @spas22 if you can help i’d really appreciate it, if not a reblog would be lovely.
if you’ve read this far, i appreciate you so much xx
#mentalhealth#help#spiraling#venmo#askingforhelp#sorry#icantlivehereanymore#donate#dollar#thisishard#depression#anxiety#mentalillness#moneyhelp
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New Post has been published on All about business online
New Post has been published on http://yaroreviews.info/2022/11/cost-of-living-millions-have-no-savings-as-prices-soar
Cost of living: Millions have no savings as prices soar
Getty Images
By Kevin Peachey
Cost of living correspondent
A quarter of UK adults have less than £100 set aside in savings, a survey suggests, leaving them vulnerable to rising and unexpected bills.
The lack of a financial safety net means many have to borrow money to cover any extra costs, creating greater anxiety about their plight.
One mother told the BBC she was scared of being judged so did not seek help.
The Money and Pensions Service, which conducted the research, said such fears could be overcome with family help.
Debt advisors are expecting a sharp increase in enquiries over the winter as people struggle to fund higher food and energy bills, with little to fall back on.
‘I wish I’d asked for help earlier’
This latest survey of 3,000 people found that 17% – or one in six – of those asked held nothing in savings. Another 5% had less than £50 and a further 4% had between £50 and £100 set aside.
If those figures reflect the UK as a whole, then millions of people will have little or nothing as a savings buffer.
Among them is Kylie, a mother-of-six who faced difficulties that left her failing to pay critical, and priority, bills. She just about managed to pay her rent, to keep a roof over her family’s head, but was behind on many other payments.
The 31-year-old said some of the more aggressive debt collection left her children frightened, and her finances were in a mess.
Six things you can do as cost of living rises
Your personalised guide to saving money
Her energy provider told her to seek help from a debt charity, but she said she was scared to do so.
“I felt like I would be judged and looked down on,” she said.
When she did eventually seek help, the advisors were kind and helpful, she said, and crucially told her about the various hardships funds and grants that were available to her.
“But I would have been in a better position if I had done it earlier,” she said.
She came to an arrangement with her creditors, so she pays back a more affordable amount each month. She recently managed to save £40 – for the first time in years.
The idea of saving money will be alien to many people struggling with the rising cost of living. A recent survey by the Building Societies Association (BSA) found 35% of those questioned had stopped saving as a result of the rising cost of living.
Meanwhile, 36% of those asked said they were relying on their savings to get through a period of rising bills and prices. Some credit unions are offering ways to help families save for expensive times of year, such as Christmas.
Talking to loved ones
The Money and Pensions Service runs the Moneyhelper website, which includes a free debt advice locator.
It is running a week-long Talk Money campaign urging people to open up about their finances and is encouraging people to plan for their financial future and take free debt advice as soon as they realise they could be facing difficulties.
“Millions of people find it a challenge to save, and this leaves them vulnerable when sudden expenditure items arise. When you add in the anxiety that they feel with their credit commitments, the weight of that worry can quickly become overwhelming,” said Caroline Siarkiewicz, chief executive of the government-backed organisation.
“We want everyone to start the conversation with family or friends and share the burden of any money worries. By dealing with the problem head on, people can discover just how helpful free debt advice can be and see the importance of talking to their creditors early. They can also begin to find a way forward, no matter how difficult their situation might feel.”
Kylie, meanwhile, is looking forward to Christmas, but with some trepidation. She said her food bill shot up when her children were on school holidays.
“I am trying to do my best, and save for Christmas,” she said. “At the moment, we are just living week by week.”
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More on this story
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13 October
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3 days ago
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4 days ago
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4 days ago
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I don't like to ask for money but right now my roommates and I are struggling with funds. We are in dire need of money for food and pet food. We have two large dogs and four of us. If you are at all able to help out please DM me. My PayPal is
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Honestly I just need help with money right now😓 anything would help. If you can pls message me for my paypal I'm sorry to be asking but with the pandemic I dont have any income
#sad boi hours#sad aesthetic#sadnees#moneyhelp#please help#help a girl out#self help#help#financial help#covidquarantine#covid19#you can do anything
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Hi! I’m selling shoes on depop for extra pocket money! Money is tight right now, so if you’re interested in buying you can message me here or buy them on depop! Thanks in advance!
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