Stale Green Light
Are you prepared for a change in the green?
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Cutting Bad Habits to Save
Filed under Finances, Money Saving TipsAug 25One of the best ways to cut your expenses is to cut your bad habits. Many bad habits are very expensive. Alcohol, tobacco and other substances are very addictive and very expensive. As a result, you will spend thousands and thousands of dollars on these things every year if you are using them. Think of everything that you could use this money for if you were not spending it on these expendable items. In addition, many of your bills will come down. For example, your health insurance rate will be lower. This can also help you have more money to spend on other, more worthwhile things.
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Purchasing What You Need
Filed under Money Saving TipsAug 24One of the key factors to personal finance success is only purchasing what you need. If you only purchase what you need and if it is less than your income, you will be able to avoid debt. You may also have some leftover money to put into savings. There are probably many things that you purchase that you do not need, even though you think that you need them. You will realize what these things are as you try to cut your budget.
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Becoming Financially Free
Filed under Budget, Money Saving TipsAug 15There are many things that you should do that will help you work towards paying off your debt. Here are several things that you should consider doing:
- Stop using credit cards to pay for things you need, use your paycheck instead
- Do not over pay your debts and then have to take out more debt to pay for necessities
- Do not eat out
- Be creative and find cheap things to do for fun
- Do not pay off your credit card balance using your emergency fund, or you will have more debt when an emergency hits
- Plan ahead for expenses that are coming up
- Make a budget and stick to it
- Pay the minimums on all of your debt, and focus the rest on the smallest debt
- Talk with your spouse to make sure that you both understand what needs to happen and that your interests are the same
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