Debt is a tough nut to crack. It often works like fat cells, while you are young it seems difficult to acquire, but as you get older it becomes nearly impossible to shed. There is big money in the debt industry, consider collection companies, entire departments are created on behalf of debt collection at most companies. We also have debt consolidation companies, but profit and non-profit alike, and believe me there are many of them. Self help gurus are a dime a dozen, most have written literature on the “best way to reduce debt” though most accomplish it by simply selling their how-to books for a ton of cash! Sometimes giving yourself the ability to pay down debt starts with a few disciplined steps.
I love my cable television, in fact, I love the additional sports package I subscribe to each month as well. However, I’m not in debt, and if you are, then this is something you simply do not need. While cable tv nice, it is a luxury that some people have to realize they cannot afford. Try sticking with the local channels, there are still plenty of quality programs, and you can save more than just a few bucks on this.
Do you have a Costco membership? Whether you do or not, several grocery retailers sell large quantities of coffee grounds on the cheap. I love my dunkin donuts, but that doesn’t mean I need to go and buy a cup each day. Instead I buy a large bag of it every few months and brew it at home, just as tasty and quite a bit less costly.
If you can walk to something then please do so. Simply put, driving wastes gas, and adds wear-and-tear to your vehicle. This will only cost you more in maintenance and upkeep in the long run. The area I live in isn’t the most walkable, especially during the winter, but there are times I make an attempt to jog up to the store…saves on gas and keeps me fit!
Follow these steps and you will be on your way to saving at least a few bucks each month~!