savings
What Are You Wearing?
I would be a clothes horse if I had the money. That is only a fraction of the reason why I have embarked on a credit card debt elimination program. You can spend a fortune on clothes unnecessarily. Men who have ever shopped at places like Men’s Wearhouse will tell you that you can buy some clothes of outstanding quality, but also of less than the cost of a fine car. Truth be told, their quality is not to be beat, but since I couldn’t afford to purchase from their without using a credit card, a credit card is what I used. I have learned that people don’t really judge you completely on what you wear. I work in an office that has a dress code of business casual (although some definitely stretch the definition of casual). I may be a bit old fashioned, but I will still wear a dress shirt and a tie. The difference now is that I don’t feel as if I have to go to the high end.
Shop at discount clothiers. Watch the sales ads for places like Kohls or Target and you will save money (that you can use to pay off credit card debt). If there is an outlet mall near you, you can even save on good quality clothing without paying top dollar. What is important is that you are not spending money unnecessarily and you use the saving to build a nest egg once you have eliminated your credit card dependence. The key is to look good, but spend well.
For a great credit card debt elimination program, click here.
Savings Online
Sifting through the inbox of my email, I noticed there were quite a few on saving money online. I found some great sites that will be able to save you some money in your quest to eliminate credit card debt.
* CoolSavings.com - grocery coupons and more
* Coupons.com - more grocery coupons
* eBates.com and MoreRebates.com - ways to save with online rebates
* PriceGrabber.com and Smarter.com - online price comparison sites
* CouponCode.com - a way to find the coupon codes that are asked for at many popular sites
* MoneyMailer.com and ValPak.com - instant access to the coupons that you get in the mail, but may have misplaced.
Be sure to use the money that you save online to eliminate your credit card debt and move toward financial independence.
Shopping Tips
* Never shop on an empty stomach. You have a tendency to be attacted to a lot of different things when you are hungry. You might pick up some bakery item (and a little extra weight) or something that you really didn’t need, perhaps because something caught your eye (and you thought that advertising didn’t work)
* Have a list. One of the biggest money-management mistakes is that you could dash into the store “just to pick up a gew things for dinner” and the next thing that you know, you have a cart that is brimming and full and expensive: it is best to have a list and to stick with it.
* Look high and low. Believe it or not, the best values are not at eye level. Those are the coveted spots for items that have a high mark-up, but are not necessarily the best thing for your wallet.
* Shop later in the day for meat. Often, the meat department will mark down some of their meat if it hasn’t moved by four o’clock, They figure that some profit is better than no profit
* Plan your shopping. If you have a favorite grocery store, you probably know how it is laid out. With your list in hand, go only to the areas that you have to go to get the things that are on your list. Walking up and down each and every aisle may be good exercise, but the longer that you are in a store, the more you will buy. Grocery stores count on that.
Remember, the goal of grocery shopping should be to purchase economical foods to fuel you body. You want to save a little bit of money so that you can have more for your credit card debt elimination program. For a great program, click here.
What’s That In Your Bowl?
Food can sometimes be the area in which a person can have the greatest monthly expense, yet, if done with a bit of planning and your eye on the prize of eliminating your credit card debt, can represent the greatest area for savings that can help propel you out of credit card debt. The challenge is that many people are emotionally attached to foods and oftentimes it is with the foods that cost more money. I will admit that breakfast food is one of my greatest weaknesses. As little as ten years ago, it would not be uncommon for me to stop by Hardees or Burger King or McDonalds and grab a “meal” that included a breakfast sandwich, hash browns, and a soda. Of course, I would supersize that and it would end up costing around $5 a day easily. One might think that it is not too bad a deal to get a meal for $5 for one. Well, simply plug that into a handy calculator (with the interest of course) and out jumps a figure of $22,790.52. Believe me, when things are looked at in the long run, it can be quite the sobering ordeal.
You can go less expensive. It merely takes planning and about fifteen minutes of your time. I have looked at food for what it is: fuel for the body. Here is what I did: I bought a large container of oatmeal and a bag of brown sugar for around $4.00 at the local grocery store. That is enough for one to eat for an entire month. So, that works out to be $24 per month savings. for ten years it could generate$1,040 in five years (no interest in this example) for paying off your credit card debt. And this is just for one year. Now it is known that some people detest oatmeal, but you could find similar saving by making your own breakfast and buying soda in a two liter bottle (on sale, of course). You should ask yourself, “Why am I wasting money by eating at the drive-through? Can I make it myself for less? What are my long-term goals?” To get out of credit card debt, CHANGE YOUR MINDSET!
For a great credit card reduction plan, click here.
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Categories
- advertising
- blog
- blog design
- blog post
- blog theme
- choosing a domain name
- credit scores
- Debt reduction
- financial independence
- FTP program
- goals
- happiness
- installing a blog
- internet marketing
- internet traffic
- money, wealth, financial independence
- positive mental attitude
- private label rights
- saving
- success
- Uncategorized
- web hosting
- writing
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