Saving Tips

Even though we did break the golden rule of budgeting by going out to dinner last night when our entertainment fund was empty, my husband and I do cut quite a few corners to save extra money to help with Debt relief.

• We have a piggy bank – loose change ads up, and we’re always reminding each other to empty our pockets into the piggy bank.
• Turn off the AC – our dog doesn’t care that if it’s 55 or 78 degrees inside during the day, so we turn the AC off when we’re at work in the summer, and we turn the heat way down when we’re away in the winter.
• Debt consolidation – we’ve paid off our small credit card balances and consolidated the rest so that we are only paying one bill each month. We’ve taken all those small payments and rolled them into one big monthly payment.
• Full loads of laundry – we only do full loads of laundry so we aren’t wasting water, electricity, and detergent.
• Buy online – the majority of the time, I can find an item cheaper online than I can in the stores, and I’m a whiz at digging up free shipping coupons.
• Coupons – steal your neighbors Sunday newspaper and use those coupons! It may not seem like much, but put that savings in a piggy bank and see how much you have in six months!
• Buy generic – you really can’t tell the difference between catsup and ketchup.
• Cut out pop – not only is it better for our budget, it’s better for our wasteline. No costly pop and juice in our house!
• Mooch – eat dinner with your parents as often as possible. As long as you’re pleasant and chatty, they won’t realize you’re eating their steak and drinking their wine.

I realize that if you’re in big financial trouble, and not just pinching pennies, these solutions won’t do much, but there’s no shame in getting Debt help, so start by visiting Bills IQ. A quick financial quiz will tell you how much you know, how good you are at managing your finances, and provide you with tips and resources to Consolidate debt, make your payments on time, and make your money work for you.

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