LIVE YOUR LIFE FREE FROM DEBT
"Money doesn't buy you all the important things in life, it buys you stuff. But what money in the bank buys you is a good night's sleep—the peace and security that you get from knowing that you are protected just in case." — Ilyce Glink
The thing that could save you the most money is getting organized! Stop stuffing receipts and bills in shoeboxes and invest in a filing system or computer program. Try keeping a written record of what you are spending every day. A newspaper in the morning, a cappuccino and a fast food meal add up fast!Cut Yearly Expenses
Food, clothing and shelter are the bare necessities. Everything else are luxury items. Consider how much you could save if you eliminated these expenses!
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Cell phones=$468 |
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Cable=$408 |
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Internet access fees=$480 |
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Pagers=$132 |
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ATM and bank fees=$250 |
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Cigarettes=$1400 plus insurance |
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No more take out! Learn how to cook and make sandwiches for kids and adults to eat for lunch. |
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Buy groceries and toiletries in bulk and store them. |
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Buy clothes and suits from discount and outlet stores. |
Ways to Cut Costs on Big Purchases
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Redecorating? Ask for manufacture discounts, buy floor models and wait for holiday sales. |
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The vintage look is in! Welcome friends and family to donate their hand-me-down furniture. |
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Shopping for a house and don't have kids yet? By a "fixer-upper" in a good school district and renovate it before you plan to have children. |
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Instead of leasing, buy a used car and drive it for years. |
In Case of Emergency
If you lose your job or have a medical emergency, call your creditors and utility companies to lower interest rates, delay late changes, and lower minimum payment fees. You'll be surprised how many companies will be able to work out a payment plan for you.
And lots more about getting rid from your debt and money matters that makes your life free from stress and you are able to give your precious time to your love ones.
