HOW TO HAVE MORE MONEY NOW EVEN IF YOU'RE STRUGGLING TO PAY THE RENT

By Ruth Barringham

This is the story of how I went from being a divorced single parent living on welfare and wondering how I was going to pay my bills, to having plenty of money and living the life of my dreams.

 

One day, while I was still living on welfare, I was sitting with a pen and paper, trying to re-juggle my meagre income so that my young

• Language: English
• Publisher: Ruth Barringham
• Release date: Aug 18, 2022
• ISBN: 9780645450255

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Table of Contents

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Table of Contents

Introduction.

Chapter 1. How to Have More Money Now

Chapter 2. Garbage In. Garbage Out

Chapter 3. How to Make Budgeting Interesting?

Chapter 4. Dealing with Creditors

Chapter 5. Budgeting on Autopilot

Chapter 6. Food Budgeting

Chapter 7. Understanding Your Electric Bill

Chapter 8. Kids and Saving Money

Chapter 9. Cost Per Use

Chapter 10. Retail and Resale

Chapter 11. Free Days Out

Chapter 12. Gift Giving

Chapter 13. A Sufficient Abode

Chapter 14. To Work Full-Time or Part-Time

Chapter 15. Financial Round Up

Introduction.

Welcome to this guide on how to have more money, not just now, but for the rest of your life.

What we’re going to be looking at are ways you can spend less, earn more, and if you’re really struggling, how to get money right now. And not only will this give you a better life, but you’ll have a ton of fun doing it too.

But, let me be clear. I’m not an accountant and I’m not offering any financial advice. I’m just going to share with you how I improved my whole life once I started looking at money in a different way, and how it’s still helping me today.

And I turned my life around years ago when I was a single parent on welfare.

Everyone used to ask me how I managed to live so well with so little money. One guy said to me, Me and my wife both work, yet you seem to live better than us on welfare. How do you do it?

Well, the answer is a simple one.

It all began one day when I had a slap-your-forehead Aha! moment that changed my life. It made me realise that I wasn’t as broke as I thought. I was just looking at it all wrong.

And now I’m going to tell you what it was that instantly helped me to have more money.

I call it:

The Ice Cream Story.

This is the story of how I landed myself alone and in debt with no idea whatsoever how to get out of it.

Not only that, but I knew that I was also about to lose my home as well.

I was a single mother of a 4-month-old baby left on my own, deeply in debt with the bank about to repossess my house.

How did I get into this situation?

I married the wrong guy. An alcoholic who drank away all our money.

That was in the 1980s.

Thankfully I’ve moved on since then by getting myself out of debt, finding myself somewhere else to live and never going back to that situation ever again.

But it was a slow process because not only did I physically need to change my situation, I also had to figure out how to do it.

One option was to go back to living with my parents. My mother was all for it but there was no way I was going to take a step backwards.

I was a single mother and I wanted to move forward with my life.

But first, I had to deal with finding somewhere to live and getting back in control of my finances.

It wasn’t easy at first because I didn’t know what to do. I didn’t have a book like this to read to help me. I just had to figure it out.

I needed to know what to do to get out of the situation I was in as well as make sure it never happened again. Although, getting rid of the alcoholic husband was the first step.

When we first met I thought nothing of the fact that he always wanted to go out for a drink every night, especially given that his parents owned a pub.

But it never occurred to me that once we got married he’d still want to go out every night instead of staying at home.

We never kept alcohol in the house so my then husband would go out to work and instead of coming home, he’d go out for a drink…or two…or too many.

In those days wages were paid in cash so he always had money in his pocket. He never handed over all the money he earned, pretending that he’d borrowed from someone at work and had to pay it back or that he’d run up a bill in the works’ canteen and had to repay it.

I was working too until we had a child and I still struggled to pay everything. I quickly went back out to work part-time after giving birth, but childcare costs literally ate away most of what I earned.

So, four months later, the mortgage was in arrears and our bills were too. The only reason our electricity wasn’t cut off was that it was illegal for companies to do that if there was an infant living at the property.

But each month our bills and the mortgage got further and further behind.

Until one day I’d had enough and told him to leave. I could see no point in us carrying on.

He’d got us into so much financial difficulty that my feelings for him had waned to the point of indifference. I didn’t care if he was there or not and considering how much he drank, I was better off without him, no matter how much dire straits that would leave me in.

So off he went, and I sat down with the biggest feeling of relief. I had no idea what I was going to do, but one thing was for sure.

I was