Cutting Back

In the previous posts I had talked about how the best way to get out of debt was managing money to keep more in your pocket. Today I am going to talk about ways to do this. There are things that may seem like a little but can save you a lot if you cut back.

1. Are you an avid coffee drinker? Instead of spending 2-5 bucks on coffee invest in a nice coffee maker. You will avoid the lines and it's more convenient.
2. Are you one of those people that use many electronics at once? Such as do you have the tv on and your computer or lights? Cut back on your energy usage and will start to see your electric bill decrease.
3. Are you a bookworm? Do you buy books? Why not try checking out your local library to see if it's available? or you can even search for a cheaper but used one on ebay or amazon.
4. Instead of eating out all the time buy in bulk so you can prepare foods at home. Buying in bulk saves money in the long run and you don't have to keep making trips to the store which will save gas.
5. Invest in an entertainment book. My husband and I love this book and buy it every year. You can save on just about everything, restaurants, movies, shopping, car repairs, attractions, dry cleaning etc. The book has already paid for itself:)

Special promotion
35% Off the 2009 Entertainment Book and Free shipping!


6. Shop for deals
7. Clip coupons
8. Look for promotions.

Good luck!

In the previous posts I had talked about how the best way to get out of debt was managing money to keep more in your pocket. Today I am going to talk about ways to do this. There are things that may seem like a little but can save you a lot if you cut back.

1. Are you an avid coffee drinker? Instead of spending 2-5 bucks on coffee invest in a nice coffee maker. You will avoid the lines and it's more convenient.
2. Are you one of those people that use many electronics at once? Such as do you have the tv on and your computer or lights? Cut back on your energy usage and will start to see your electric bill decrease.
3. Are you a bookworm? Do you buy books? Why not try checking out your local library to see if it's available? or you can even search for a cheaper but used one on ebay or amazon.
4. Instead of eating out all the time buy in bulk so you can prepare foods at home. Buying in bulk saves money in the long run and you don't have to keep making trips to the store which will save gas.
5. Invest in an entertainment book. My husband and I love this book and buy it every year. You can save on just about everything, restaurants, movies, shopping, car repairs, attractions, dry cleaning etc. The book has already paid for itself:)

Special promotion
35% Off the 2009 Entertainment Book and Free shipping!


6. Shop for deals
7. Clip coupons
8. Look for promotions.

Good luck!

Keeping up to date/ Organization

Paying your bills on time is a very important part of determining your credit. The more you pay your bills on time the better your credit is. If you are someone that has a hard time with keeping billing dates in mind one way to make sure your bills are paid is by using a personal calendar or if you on the internet a lot you can sign up for g-mail and create a calendar. In g-mail when you set up a calendar you can be reminded by e-mails and alerts. If you are glued to your cellphone you can always add in notes a few days before your bill is due and the day that your bill is due so you can make sure to come up with enough money to cover all your bills. I find both methods are very useful. When paying bills you can categorize which ones are due in the beginning of the month and than the ones that are due in the middle and end. Staying organized by using a filing cabinet or folder for each company and keeping it in a safe place also helps. I am a fan of stamps and actually get a kick out of stamping my bills. You can find stamps at walmart maybe even home depot mine says PAID, RECEIVED and PAST DUE. It is always a good feeling to stamp PAID on each envelope:) Doing this will reduce stress and give you a peace of mind:)

Paying your bills on time is a very important part of determining your credit. The more you pay your bills on time the better your credit is. If you are someone that has a hard time with keeping billing dates in mind one way to make sure your bills are paid is by using a personal calendar or if you on the internet a lot you can sign up for g-mail and create a calendar. In g-mail when you set up a calendar you can be reminded by e-mails and alerts. If you are glued to your cellphone you can always add in notes a few days before your bill is due and the day that your bill is due so you can make sure to come up with enough money to cover all your bills. I find both methods are very useful. When paying bills you can categorize which ones are due in the beginning of the month and than the ones that are due in the middle and end. Staying organized by using a filing cabinet or folder for each company and keeping it in a safe place also helps. I am a fan of stamps and actually get a kick out of stamping my bills. You can find stamps at walmart maybe even home depot mine says PAID, RECEIVED and PAST DUE. It is always a good feeling to stamp PAID on each envelope:) Doing this will reduce stress and give you a peace of mind:)