Debt-Cross Off Debts Faster!
Debt-Cross Off Debts Faster!By Bryon Zirker
Here are some great tips for keeping your
living costs to a minimum. This will help speed
the process of getting debts paid down very fast.
1. Select basic TV service -- no premium channels.
2. Use a dial-up ISP connection (approx. $10.00
a month) over high-speed service.
3. Buy food in bulk to last a lot longer maybe
months.
4. Take your lunch to work.
5. Build a budget for the holidays, birthdays, etc.,
stick with it. Use "extra" paychecks to pay debt
(a biweekly pay schedule can provide a third
check in two months of the year).
6. Apply your bonuses toward debt.
7. Set the thermostat a few degrees lower in
winter. Set the air conditioner a few degrees
higher.
8. Buy those compact fluorescent light bulbs
which should reduce electricity expenses.
9. Commit to $25 in "petty cash" fund for each
week. When it's gone, its gone do not spend more.
10. Lock up those credit cards safely. Put them
in a locked safe and entrust that to some one you
trust.
11. Create a shopping list. Purchase only the
items on the shopping list, do not buy anything
else including things on sale.
12. Keep your vehicle(s) tuned up. Good care
will reduce or prevent big expenses.
13. Ignore the Joneses. For now just disregard
what they drive, where they are vacationing or
what they are wearing.
14. Stop buying coffee or foods "on the go"
eat at home. Of course if someone were to give
you a Starbucks gift card by all means enjoy
that.
15. Do not buy from vending machines at work.
This is a good health tip as well.
16. Stop playing the lottery. And stop those visits
to the casino if you live near one.
17. Buy stuff that may have a damaged bag or
package at deep discounts. Of course make sure
the actual product is not damaged.
18. Things like cars or appliances always buy
last couple year's models. Thoroughly check
them of course.
19. Budget any vacations and dig up coupons
wherever possible.
20. Try to plan and save for any expected future
expenses.
If you can actually implement this and stay with
it, you will experience the great feeling of watching
your debt go down. Try to gauge your progress
by evaluating your progress monthly
or bi-monthly.
posted by Bryon Zirker @ 9:21 AM
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