 |
|
You will never get out of debt unless you put an end to the spending. In order to reduce our debt you are going to have to come up with ideas to have more money coming in each month or you are going to have to stop spending as much as you do. And there are countless ways to save money. Some ideas just save a little at a time. Some will save a lot, but that is what this page is about. Putting every penny that we can find and adding to the debt reduction. If you are stopping by the local latte' shop every morning on the way to work you are spending about $4 every morning. That is $20 per week or $80 per month, $960 a year. Families have started eating out a lot more these days. When you start to compare what it costs to eat, even at a fast food place, to what you can fix a much healthier meal at home for, it starts to really add up in the savings department. Not only that, you will probably find yourself losing weight when you stop eating out so much.
One of the best ways to reduce the amount of money you spend every month is to first figure out where the money you are spending is going. Most paople fail to do a budget and that is the main reason why they overspend and most of the time they will tell you they have no real idea of where the monry went. I have found that a good way to start the budget process is to first take a little notebook or a 3x5 card or something that is easy to take with you whereever you go. If you spend $1.50 for a soda, write it down. If you spend $6.00 for lunch, write it down. Write down every penny. Then you will know where it goes and you will be able to see what you can start cutting out that is unnecessary spending. You might decide to start taking your lunch to work. If you are buying bottled water out of a machine or convenience store for $1.50 every day, that is $10.50 a week. Buy a case of water at your discount store for 30 cents a bottle and take it with you. Take your lunch for $2.00 and save at least $4.00. That is another $20.00 in savings every week. Just water and lunch would save you a total of over $30 a week to apply to your debt reduction plan. If you are going out to eat a lot, start cooking at home. That can mean huge savings. You will probably find yourself losing a few pounds in the process too because you will probably find you are eating healthier.
Being the mother of four daughters, weddings are a big deal. Two are already married, but the other two still have weddings coming up. So I got on the internet to see what I could find so I could give them the wedding that the girls wanted without putting us in debt. We don't believe in going into debt for anything anymore, so finding ways to save was big. I found an ebook that has really helped me with this challenge. It has already saved us many times what I paid for it and in the long run, by the time the weddings are said and done it will have saved us thousands of dollars. The book is "Fire Your Wedding Planner" by Stephi Stewart. I highly recommend it.
|
Everybody needs groceries! Get free groceries with manufacturers vouchers.
|
|
One of the best ways to cut back on your spending is to stop eating out all the time. If your family of four is eating out two or three times a week, which has become quite common in this country, a great way to save big money is to stop eating out. Save eating at a nice restaurant for a special occasion. It will save you a lot of money and let's face it-we are all gaining a lot of weight, our kids are getting fatter, and a lot of the reason for that is eating no-so-healty food and a lot of it. However, there is a way to still enjoy some of your favorite restaurant foods at home. You can cook it yourself. A lot of these recipes are easy to do and you won't be able to tell the difference except in many cases you will find the quality actually better than the restaurant food. Check out the ebook Copy Cat Recipes. It has hundreds of your favorite restuarant recipes along with many bonuses including crockpot recipes, cookies, and holiday recipes. It will save you it's nominal cost many times over! |
|
|
|
