By Darla Youngblood
- Creates a budget. Track your spending habits and prioritize needs and wants.
- Payoff debt and become debt free! Dave Ramsey has a 7 baby steps plan to do this.
- Negotiate bills. Contact your cable, internet and insurance companies to find ways to cut down on your costs.
- Reduce Entertainment. Cut back on big trips, trips to amusement parks and salon visits.
- Cut housing costs. Consider down sizing or relocating to a place with a cheaper cost of living.
- Reduce water and heating costs. Take shorter showers and cut heating down and wear warmer clothing.
- Reduce utility costs. Check your bank account to see what you paid last month on electricity, water, phone bill, natural gas, etc.
- Reduce food waste. Plan meals, eat leftovers and include low costs meals in your diet.
- Reduce transportation. Keep vehicle in good condition to avoid costly repairs.
- Reduce other expenses. Use coupons only on things you need , make your own greeting cards or digital cards .