Most people think being in debt is just part of life. The average 35 year old is at least $150,000.00 in debt!!!! Between student loans, credit cards, car payments and mortgages!
No wonder we are depressed, stressed and addicted to pharmaceuticals!
You buy your clothes, gasoline and entertainment on your credit cards. Paying 5 times what you would if you do not pay it all off at the end of the month. And how many of us do that?
Here is what we did.
First we sold my car back to the dealership. It paid off my loan which was great for my credit and saved me over $700 a month between the loan and the insurance.
Then we got rid of our HUGE cellphone bills and went with Metro pcs. We actually have better service for only $50 for 2 lines. That saved a hundred dollars.
Then I kicked the Cable bill to the curb! Why pay for it when nothing is on it that you cannot get with your internet provider.
That saved me $75
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At this point we realized we no longer needed two incomes and I become our house manager. Boy, did we ever save then. No more grabbing nasty fast food. I am a great cook and so is my husband.
We let the cleaner go and I clean and get more exercise at the same time. No more trips to the dry cleaner. I take care of our clothes. Oh and I find great deals on our clothes now that I have the time to shop.
Look closely at your budget.
Here is how.
How much do I take home a month?
How much are my bills?
how much do I have left for groceries, gas, meds, etc...
If you are in a debit situation as most are.....Stop!
You have 2 choices. Make more money or spend less. The later is easier.
Downsize your living. Smaller house, smaller bills. One car, isn't as convince but then there is Uber and Lfyt when you get in a pinch.
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