| Ideally, what comes in does not necessary
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| | job. I know, I know. What a yukky idea.
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| all go out to creditors. Unfortunately,
| |
| | But look on the bright side, it's just
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| most of us know, that is one of our
| |
| | until the crisis is over.
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| better dreams. Sometimes we find all our
| |
| | - Sell that extra car.Ways to reduce
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| dreams shattered completely. Would you
| |
| | your expenses:
|
| be prepared?Once upon a time, I was
| |
| | - Refinance your home at a lower rate to
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| living the ideal life. I had an
| |
| | reduce your mortgage payment. But do it
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| excellent paying job. Who had to worry
| |
| | now because the word on the street is
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| about finances or budgets? Ha! Not me.
| |
| | that the Fed is going to increase the
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| In fact, I never really paid much
| |
| | interest rate again!
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| attention to price tags. I just knew I
| |
| | - Increase your insurance deductibles.
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| wanted it so I bought it. I had money in
| |
| | Then shop around for better rates for
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| the bank, a nice car and a swell cushy
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| | your homeowners, auto, life and health
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| condo.But, in a blink of an eye, my dream
| |
| | insurances.
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| life turned into a nightmare and I was
| |
| | - Stop eating out and prepare your
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| totally unprepared. It was very
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| | dinners at home.
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| frightening and intimidating to realize I
| |
| | - Start taking your lunch to work
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| had to do something drastic.
| |
| | instead of buying it.
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| Consequently, I had to learn quick, fast
| |
| | - Shop with a grocery list and stick to
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| and in a hurry how to reduce my debts and
| |
| | it. Make your list using your grocery
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| budget my money or I would literally be
| |
| | flyer and prepare your meals based on the
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| out in the street.Health problems forced
| |
| | specials. Take advantage of buy one, get
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| me to give up my wonderful job and every
| |
| | one free offers. Be diligent and don't
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| luxury that went with it. My savings
| |
| | buy what you really don't need. Use
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| dwindled and I went from riches to rags
| |
| | coupons - most stores offer double the
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| faster than greased lightning. The shame
| |
| | value. Buy store brands. Hey, don't
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| of it all, what would my family and
| |
| | shake your head. I save plenty that way!
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| friends think? Oh poor me. What did I
| |
| | If I, the once upon a time little
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| ever do to deserve this? This is so not
| |
| | princess, can do it so can you.
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| fair!Turns out, I was my own worse enemy.
| |
| | - Cancel your memberships and magazine
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| My family still loves and supports me
| |
| | subscriptions. Instead of going to the
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| and my friends are still my friends. As
| |
| | gym, take walks, exercise at home. Take
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| soon as I stopped feeling sorry for
| |
| | trips to your local library for
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| myself, I resigned myself to the fact
| |
| | magazines, newspapers and books.
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| that this is the way it was going to be,
| |
| | - Stay home instead of going out for
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| nothing in the world was going to change
| |
| | entertainment. Curl up with a good book
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| it and I had better learn to live with
| |
| | from the library and rent movies instead
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| it. Don't misunderstand me, it took
| |
| | of going out to the movie theatre. Take
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| quite awhile to get to that point, but
| |
| | trips to your local museums and free
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| the point is I'm there and I didn't fall
| |
| | places of interest.
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| off the face of the earth. I still enjoy
| |
| | - Cancel that cell phone or reduce your
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| life, my illness is not terminal, I'm
| |
| | monthly bill by lowering your peak hour
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| just on a darn ol budget. Grumble,
| |
| | minutes to the minimum and only use your
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| grumble.Sound familiar? You see my
| |
| | cell phone in an emergency.
|
| friends, you are not alone. Hopefully
| |
| | - Become a do-it yourselfer. Do your
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| you will accept the fact, sooner than I;
| |
| | own home repair and change your own oil
|
| you have absolutely nothing to be ashamed
| |
| | in your vehicles. Visit your local
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| of. Many, many families find themselves
| |
| | library for "how to" books.
|
| in the same boat. So come on, put on
| |
| | - Take a look at your utilities. Do you
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| your life jackets and let's row, row,
| |
| | have any water leaks? Lower your
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| row!If you've lost your job, there is, of
| |
| | thermostat a few degrees and inquire if
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| course, unemployment. And, depending on
| |
| | your electric and gas company has a
|
| your circumstances, there are state and
| |
| | budget plan.
|
| county agencies that offer additional
| |
| | - Shop at garage sales, thrift stores,
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| benefits especially if you have children.
| |
| | flea markets and browse over the
|
| It would be advantageous for you to
| |
| | classified ads.
|
| investigate the possibilities. You may
| |
| | - Shop at your dollar store for cleaning
|
| qualify for assistance such as; locating
| |
| | products, paper goods, and toiletries.
|
| a job, temporary financial assistance,
| |
| | Oh now, now be nice ... my dishes and
|
| health care, food stamps, clothing banks,
| |
| | clothes don't know the difference and my
|
| shelter and transportation.Perhaps you've
| |
| | teeth and hair haven't fallen out
|
| been spending more than you make and you
| |
| | yet.There are so many other ways to
|
| find yourself in a serious financial
| |
| | reduce your expenses. Just exercise your
|
| situation. Let me share with you some of
| |
| | common sense.Most of the time money
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| the ways you may be able to achieve some
| |
| | problems originate from our lifestyle
|
| financial stability.Obviously, you need
| |
| | choices. Before you buy something, ask
|
| to set up a spending plan or budget. But
| |
| | yourself if you really need it.Establish
|
| at this point, it will be of no value if
| |
| | a realistic budget and make those
|
| you are robbing Peter to pay Paul.First
| |
| | sacrifices to live within your limits.
|
| and foremost you need to reduce your debt
| |
| | To me, peace of mind costs a lot less
|
| and establish ways to save money. Once
| |
| | than that new car I dream of owning. Who
|
| you've gotten your expenses inline, then
| |
| | knows tomorrow I could meet Mr. Right or
|
| develop a viable budget. You must
| |
| | Mr. Down Right Filthy Rich *wink*Lex
|
| discipline yourself to stick to it or you
| |
| | lives in Ohio and is originally from NJ.
|
| will find yourself without that life
| |
| | She has three children and four
|
| jacket and no boat to row, row,
| |
| | grandchildren. Her hobbies include
|
| row.You'll need to do two things. Find
| |
| | reading, crafting and writing.She has
|
| some extra cash and reduce your debts.
| |
| | been inducted into the TSWBA Bowling Hall
|
| Here are some suggestions to help you
| |
| | of Fame and is a two time TSWBA Bowler of
|
| achieve both. At the same time, you will
| |
| | the Year. She is also a NJ Doubles and
|
| be setting the ground work for your new
| |
| | Women's All Star Association Champion.
|
| budget.Ways to obtain cash:
| |
| | Although she does not bowl now, she
|
| - Have a garage or yard sale. I was
| |
| | enjoys coaching young bowlers.Currently,
|
| amazed at the amount of money I pulled
| |
| | Lex is the financial advisor for a frugal
|
| in.
| |
| | living and sweepstakes group called "Our
|
| - You might want to look for a second
| |
| | Winning Circle".
|
