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