Get rid of some things you don't need.
Building wealth is the key to not having to worry about money. The key to getting rich is to get rid of all your extra bills so you can save money. These bills also put a lot of stress on the average consumer's credit report. Let's start with the most painful thing. Get rid of any bad habits you already have. Most habits cost money, and if something is a habit, it probably isn't good for you in the long run. Smoking, drinking, eating candy and coffee, collecting trash, and so on. You'll be surprised at how much money you can save by giving up just one or two of the above (if any apply of course). By giving up a bad habit, you can save money and maybe even improve your health. You can also get more self-discipline, which will help you become more financially mature.
Food: Eat in or Take Outbr>br>
Let's look at them both on their own and as a pair. Even if you only spend $25 every time you eat out, that's $100 a month. Math is pretty easy. Let's say you get drive-thru food three times a week for $5 each time. This adds up to $60 per month. Even though these numbers are below average, $160 in one month could be used to pay off some smelly debt. Make a lunch to take to work. Make food at home. It costs much less, tastes better, and is usually better for you than fast food. If you can't stop going out to eat, try cutting it in half at first.
Grocery List (or the lack of one)br>
Many people go to the store without a plan or a list. BIG mistake. That's why grocery stores are set up the way they are. Go ahead and walk down each aisle and look at the rows and shelves of junk food and other things you don't need. Just making a list could save you 50%, giving you that much more money to get rid of those annoying loan payments. A shopping list does two things. It saves you a lot of money that you can see right away. Second, it helps you get ready for the next week, month, or however often you go shopping. You can plan out your meals for the week ahead of time so you know what you need to buy and about how much money you will need.
Sell Some Stuff
Everybody has things lying around that are gathering dust. Remember the old saying, "One man's trash is another man's treasure"? Some of those collectibles that are just sitting in a box in the closet might be worth enough to pay off a few bills. You would be surprised to know that an object you have absolutely no interest in could sell on an auction site and pay off that hospital bill that's been chasing you around like a mad hornet.
Cash, cash, and more cash!br>
Only spend cash. When you spend plastic, it still looks the same. When there aren't as many dollar bills around, you'll notice the difference. Start using cash envelopes, at least one for gas, one for food, and one for clothes. Like any new system, it will take a few tries before you get the right amount in each envelope. You'll start to see a big difference in your budget though, so it will be worth it. If you pay cash for something, you don't have to pay interest on it. When you hold on to that $100 bill, you might think about it for a little longer, too. If you use the different tips and tricks in this article, you will start to pay off some of your debt. This will get you closer to financial freedom and start the long-awaited healing process for your credit report. Get started now!
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