Getting Relief from Debt and Saving Money
A great deal of people who want to know how to save money and get out of debt think that it is a straight forward task to just stop spending as much and pay off what you can from what you owe. What they fail to realize is that in many cases they are not paying off as much as they could be.
And now for the money saving part of this, how many times a day do you put your hand in your pocket and pay for something without thinking about how much it costs? For example your morning coffee from Starbucks, a chocolate bar on the way home, using the petrol in the car, the list is almost endless. The point here, if you put your mind to it and think before you dip into your pocked you could be making massive savings each month.
The major factor in this is that you are looking to save money and to make sure you save money you need to invest time, but by doing small simple tasks you will start to save money and not pay out as much each month meaning you can get out of debt faster.
Buying your lunch at work could be costing you a few hundred dollars a month, in many cases people have subsidized restaurants in the work place however this could still be costing you money. Have you ever thought about making your lunch at home and eating it in the sunshine? I know you are currently thinking "I don't have time in the mornings to make lunch!" Well make it the night before and put it in the fridge that way you don't have to find extra time in the busy morning period.
The temptation of the coffee machine at work has often taken me by surprise with a number of visits a day you don't realize until you look at what you are drinking and how much of it. Each cup is like drinking spare cash. Yes that is right each cup of coffee you have that you pay for could be saved by simply drinking a glass of water from the FREE water cooler or make a flask at home and drink that the cost will be a fraction of what you currently pay out weekly for your coffee.
Driving to and from work is an expensive thing if you live a fair way away from work, talk to your work colleagues and ask if they live on route or close to you so you can share the cost of getting to and from work you could half the cost of getting to and from work.
Many people use public transport to get to and from work, if you are taking the bus or the train in most cases it is cheaper to go less stops. So why not try to get off a stop earlier and walk that extra distance to get to work or home from work, this is also really good for you so you get that extra benefit.
Before I start this next part I would like to say I love small business and I think the smaller stores should be the only ones as they are excellent. However in a great number of cases the things you buy from them when you do your weekly shop are probably cheaper from the larger chain stores. This is unfortunate as it would be good for all concerned if small business could compete on price. To get out of debt your loyalty to the small store could be costing you deeply.
You need to commit if you are going to be sure of getting yourself out of debt, it also isn't going to happen overnight but if you can a little at a time save money and get yourself free from debt. It is you that needs to make the changes and you that needs to commit to the different way of life but long term it is you that will benefit.
And now for the money saving part of this, how many times a day do you put your hand in your pocket and pay for something without thinking about how much it costs? For example your morning coffee from Starbucks, a chocolate bar on the way home, using the petrol in the car, the list is almost endless. The point here, if you put your mind to it and think before you dip into your pocked you could be making massive savings each month.
The major factor in this is that you are looking to save money and to make sure you save money you need to invest time, but by doing small simple tasks you will start to save money and not pay out as much each month meaning you can get out of debt faster.
Buying your lunch at work could be costing you a few hundred dollars a month, in many cases people have subsidized restaurants in the work place however this could still be costing you money. Have you ever thought about making your lunch at home and eating it in the sunshine? I know you are currently thinking "I don't have time in the mornings to make lunch!" Well make it the night before and put it in the fridge that way you don't have to find extra time in the busy morning period.
The temptation of the coffee machine at work has often taken me by surprise with a number of visits a day you don't realize until you look at what you are drinking and how much of it. Each cup is like drinking spare cash. Yes that is right each cup of coffee you have that you pay for could be saved by simply drinking a glass of water from the FREE water cooler or make a flask at home and drink that the cost will be a fraction of what you currently pay out weekly for your coffee.
Driving to and from work is an expensive thing if you live a fair way away from work, talk to your work colleagues and ask if they live on route or close to you so you can share the cost of getting to and from work you could half the cost of getting to and from work.
Many people use public transport to get to and from work, if you are taking the bus or the train in most cases it is cheaper to go less stops. So why not try to get off a stop earlier and walk that extra distance to get to work or home from work, this is also really good for you so you get that extra benefit.
Before I start this next part I would like to say I love small business and I think the smaller stores should be the only ones as they are excellent. However in a great number of cases the things you buy from them when you do your weekly shop are probably cheaper from the larger chain stores. This is unfortunate as it would be good for all concerned if small business could compete on price. To get out of debt your loyalty to the small store could be costing you deeply.
You need to commit if you are going to be sure of getting yourself out of debt, it also isn't going to happen overnight but if you can a little at a time save money and get yourself free from debt. It is you that needs to make the changes and you that needs to commit to the different way of life but long term it is you that will benefit.
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