In The Red Or In The Black?
I hope that you all survived the weekend full of savings and crowds. Did you keep track of what you spent? Lets face it December is probably the most expensive month for most of us and its not even here yet. So what are you supposed to do?
Being that its the end of the year, it is the perfect time for us to look back at our expenses and see what changes we could make to help save for that rainy day or pay down on our debt. Even if you are in the black, it doesn't hurt to make a few changes to help better our situation.
If you are in the red.... there are a few simple things you could do to make bill time less stressful. First, look at your bills and see what changes could be made. For example, did you know that not everyone pays the same amount for the same cable packages? What? Its true. But don't call the cable company, call their promotion department and hagle with them. How about your cell phone? Do you really need all the services you are paying for. Most likely no. Shop around for a cheaper way to get similiar plans for a limited time while you work on your dept.
Other ways to save... pay cash for everything. Give yourself a weekly allowance and stick to it. Only use your credit cards in an emergency. Pack your lunch, but treat yourself once or twice a month. Take your own coffee from home to start your day. With a variety of flavors now available, the savings will add up.
There are a million ways for you to save. You just need to invest a little time to find out which best fit your lifestyle. It is stated in the bible that we should not be in debt to others and with compounding interest it only gets worst.