Reducing SpendingHave you ever wondered why it is that some people have a constant struggle to make ends meet while others in similar circumstances are able to get along without any great money problems?
General HintsTake every opportunity to save money even if it is only ten cents. Remember, that a lot of small amounts add up to a large sum over the course of a year.
Dealing With DebtsPay off your high interest rate debts as quickly as possible to reduce the amount of interest you have to pay.
FoodSurveys have shown that there are significant price differences between supermarkets. If you shop where you have to pack your own groceries this can save you hundreds of dollars each year.
ClothingDo not pay extra for clothing or footwear that has a particular brand name on it.
Avoid buying garments which can only be dry-cleaned.
HousingIf you are finding your rented accommodation too expensive your landlord might agree to reduce the rent if you have proven to be an above average tenant.
TransportAll you really need is a modest, reliable vehicle so borrowing or using your savings to buy a more expensive one is not a good idea.
Learn about money management, reducing spending, saving money and debt reduction. Find out how to save money and how to increase income. If you can improve your finances, you will not have to face the relationship problems and the embarrassments resulting from always being short of money. There will be no need to visit a food bank for free food or a service for budgeting advice. You will have the satisfaction of having control over your spending rather than having to stick to a strict budget.
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