| Get Rid of Some "Extras" | | | | approximately how much cash you will need. |
| The key to financial freedom is building wealth. The | | | | Sell Some Stuff |
| key to building wealth is eliminating all your extra bills | | | | Everyone has stuff lying around collecting dust. |
| so you have money to save. The average | | | | Remember the saying "One man's trash is another |
| consumer's credit report carries quite a burden from | | | | man's treasure."? You could probably knock out a |
| these bills as well. Let's start with what hurts the | | | | couple of stagnate bills with some of those |
| most. Eliminate any habits you currently have. Most | | | | collectibles sitting in a box in the closet. You would be |
| habits cost money and if it's a habit it can't be | | | | surprised to know that an object you have |
| healthy for you in the long run anyway. Smoking, | | | | absolutely no interest in could sell on an auction site |
| drinking, candy, coffee, collecting junk, etc. You will | | | | and pay off that hospital bill that's been chasing you |
| be surprised how much cash you pocket if you just | | | | around like a mad hornet. |
| quit 1 or 2 of the above (if any apply of course). By | | | | Cash, Cash, Cash |
| giving up a habit you are not only saving money and | | | | Only buy with cash. Plastic looks the same when you |
| maybe even your health, but you are also gaining | | | | spend it. Dollar bills disappear and you will feel the |
| self-discipline helping you mature financially. | | | | impact when you start to get a shortage of it. Start |
| Food: Dine In or Carry Out | | | | a cash envelope system - at least one for gas, food |
| Let's look at the two separately AND together. If | | | | and clothing. Like any new system, it will take a few |
| you eat out once a week, even at $25 you are | | | | times before you get the right amount in the |
| spending $100 a month. Pretty simple math. Let's say | | | | envelopes. You will start to notice a large impact on |
| you get carry-out (drive-thru) 3 times a week at $5 | | | | your budget though and will find it worth while. If you |
| per visit. This equals $60 a month. These figures are | | | | buy something with cash you don't owe on it. You |
| below average, but even so, this is $160 in 1 month | | | | might think a little longer about it too when you hold |
| that could be used to eliminate some smelly debt. | | | | on to that $100 bill. If you apply the various |
| Pack a lunch for work. Try cooking at home. It's a | | | | techniques and ideas in this article you will start to |
| fraction of the cost, it tastes better than "fast food" | | | | knock chunks off your overall debt. This will get you |
| and it is usually healthier. If you can't eliminate eating | | | | closer to achieving financial freedom and your credit |
| out then try cutting it in half for starters. | | | | report will begin the long awaited healing process. |
| Grocery List (or lack thereof) | | | | Start today! |
| Many consumers head to the grocery store with no | | | | To read more about how you can get your online |
| plan or list. BIG mistake. This is what grocery stores | | | | credit report free with no obligations, see what is on |
| are designed for. Go ahead, walk down each aisle and | | | | your file and clean up your credit report go to |
| tempt yourself with row after row, shelf after shelf | | | | Tom Justice is the webmaster for Clean Credit Online |
| of junk food, extra stuff that you don't need. A list | | | | and does all the designing, marketing, SEO and |
| could save you 50% alone - that much more to wipe | | | | maintenance the site. He has a passion for personal |
| out those irritating loan payments. A grocery list | | | | finance and how the economy and consumers are |
| serves two purposes. It saves you quite a bit of | | | | affected by money. To see how you can use Clean |
| money which you notice immediately. Secondly, it | | | | Credit Online to help you with your personal finances |
| allows you to be more prepared for the upcoming | | | | please visit |
| week, month or however often you shop. You can | | | | "Kill Bills" - © (2005) Reprinting is allowed |
| make out a daily meal plan ahead of time so you | | | | assuming all content is left the same. |
| know exactly what you need to purchase and | | | | |