Free Money Saving Tips
We’ve been getting out of debt since 2004…Crunch time or not, these are money saving tips that work
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May14
Getting Through The Credit Crunch
Filed under: Our Pilosophy; Tagged as: cost cutting, credit crunch protection, get through recession, money saving tips0Now that every news source touts the coming of the next recession I think it’s time you had a closer look at this website. I have around a hundred different tips to save money, make more money or teaching you how to cut costs without having to cut down on what you like.
The best tips I have are quite basic, and it is the plan I will be following myself.
First of all, I will keep a close eye on my monthly outgoings. What ever bills I can fix at a specific monthly cost I will. That way I will reduce the insecurity surrounding how much of my income will be going out on the bills. Having predictability will be the key for me now.
Secondly, I will focus on making extra money where I can. I will be doing car boots with my sons old toys and clothes. And what ever I can sell on ebay I will. I will have an income goal for this activity every month, and I will work my hardest until I have reached that income goal for that month.
Thirdly, I will price compare on EVERYTHING.
Forthly, I will be growing vegetables where I have room in my garden. And if I run out of space, I will try to get an allotment ( although around where I live, there is already a waiting list on all the allotment sites)
Fifthly, I will make pretty darn sure that my job is secure. There are any kind of jobs available out there and I will take any job I need to take in order to make ends meet. I will prefer to make my income in other ways, but if needs must – I will.
Lastly. The debt that I have, I will manage to the best of my ability, and I will continue to pay it down as fast as I can. The payment agreements I have, I will uphold. The interest bearing ones I will pay off faster, rather than saving up a “buffer”. The best buffer I can create is to get rid of my debts.
My goal is to always pay all the bills in order of importance and I will have fun and enjoy every moment of my life while doing so, and I will do it responsibly and sensibly. And I will have a good time doing it.
Now, have you got your financial rescue plan sorted?
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May50Be happy with what you have gotI honestly can’t think of where I saw this one, but as far as I remember it was all about how your expectations made you miserable and by managing those expectations down to a realistic level, you would be happier.On the face of it, you might not think this is the money tip, but worrying about money and debt is a common occurrence these days. So if you want to avoid being miserable, worrying about money, then it would be a great idea to be happy with the amount of money you’ve got.People who support this idea, argue that the best way to remain happy or to avoid misery is to adjust our expectations. These days our expectations are influenced and decided by the things we buy, the house we live in, the cars we have, the clothes we wear and if we don’t have the money to get all these things we become miserable. The only reason we want these things is because of advertising and other people saying that we need them to be accepted.People who support this idea will argue that we need to reprogramme our minds to be happy with living within our means and be happy with what we have.Things you are likely to hear against the advice above:Too hard/Mind over matter rubbish: “This is just mind over matter and positive thinking rubbish that never works anyway”Unrealistic: “When you haven’t got enough money to pay the bills being positive about it is impossible.”Reasons to listen to my advice:Let me deal with unrealistic first.In my experience life is sh… not very good when the bills are due and you have no idea where the money to pay them will come from. But I think the idea above was still valid for me because it was when I decided to stop feeling sorry for myself and realised I was the one to do something about the situation, the situation changed to one that was bearable.As for positive thinking; Well I think this is going to be a difficult one for people that are not ready to learn something about themselves as it can be quite painful for them to look at themselves and realise that they might not be perfect.I’m not for one second saying that this is easy to achieve, but if you focus on what you CAN do about a situation, the situation will be easier to face.It is at least encouraging the idea that money worries is decidedly an issue for the mind to deal with. What get people into trouble is how they think about money, so it makes sense to think yourself “out of debt” again. Or at least develop a responsible spending habitFor You To Think About:How is your mind set influencing how you thing about money?Who is ultimately responsible for your finances?(if you pointed at yourself well done – you’re right!)What can YOU do to improve the situation?(read more of the tips on this website is a possibility for a start!)