Author: Taffy Wagner
Source: articleage.com

Before sharing these recommendations, I suggest you have a way to track your spending. This gives a clear idea of what you spend daily, weekly or monthly basis and will help reduce costs as necessary. 1) Accept the fact that he is in debt and forgive yourself. If you are in denial, are more likely to repeat the pattern. 2) Reduce the monthly expenses. For example, once the price of gas increased, the monthly cost of gas rose from about $ 200 to about $ 450 to 500.00. In an effort to reduce our costs of gas, I stopped taking miniature travel every day. Also, my husband driving my car on weekends, as it costs less than gas. 3) If you are a person who makes several trips to the grocery store during the month, reduce the number of trips once a month except for fresh vegetables. This will reduce the number of times you have to put gas in the car. Today, it costs more just to leave the house to get food and go to work. 4) With the utility bill increasing start making repairs to his house now and get a programmable thermostat and set it at a certain temperature to automatically turn on. 5) As an option, temporarily get a second job to earn extra income. If married, this should be the person who has the ability to generate more revenue. I do not recommend any multi-level marketing opportunities. 6) For a single person in debt – if you are off on weekends, temporarily get a weekend job and put the funds to accounts with their regular income. 7) If you have a cell phone and a regular phone that both have long distance, a new evaluation with the two phones. It can get expensive to have both with long distance. Maybe you can remove the regular phone and just use your cell phone, most people if you call that number. 8) If you are a stay at home mom, in my opinion, children should not go to daycare. This is an unnecessary expense. 9) Be careful with your spending when it comes to their children. For example, a baby of six months is not needed clothing. They should be dressed. Suggest enter Mom's Group "where you and your friends can change the clothing based on gender and age. I have a couple of mothers who changed clothes in what saves everyone having to buy in the store. 10) cleaning costs for adults: do we really need to do your nails every week? Could you put that money into a bill? If you do if your hair is a weave, Perm, braids or stained every week – do you need to go to a high end salon or could go Great Clips for the same thing: I'm not saying not indulge, however, many times get tougher what is the need? 11) Maintaining your vehicle is a necessity but going to a car wash a week is not. You can wash your car at home. Re-evaluate what you're spending your money. 12) If you are a person who likes eating out, reduce the amount times a month, you will eat. Begin cooking at home since we are buying groceries for the month. 13) Entertainment – whether it is going to the movies, bars or happy hour – these expenses add up. For example go to a matinee is $ 7.50 a person (for both of us is $ 15.00, before even getting food, which would cost another $ 15.00) is what really needs to see the movie now or could wait three months to see on DVD. Netflix is an option. 14) Add the amount you spend on a vending machine a week when you are at work if you work outside the home. Consider taking snacks from home. 15) health insurance – if you had a job and are using COBRA for health insurance until they have got another job, find a health insurance alternative to COBRA payments. I remember the first time I stopped working at the law firm , we used COBRA for almost eighteen months and the price increased twice. Before the second extension, which is a shared insurance plan and saved us a lot of money. ** There must be some structure in these difficult times economic. However, this time not be so hard that you can not enjoy life. Dr. Taffy Wilkins Wagner is the author of Amazon.com Bestseller debt dilemma. The debt dilemma is his personal history of how you got into debt and was able to get out of debt without filing bankruptcy. For additional information about how to buy your book, view their website at http://www.paidoff.net. If you have a question about your finances and would like your help, your email taffy@paidoff.net.