Can’t seem to get ahead financially? Debts piling up? Maybe you’re making some of these mistakes unknowingly. These mistakes listed below will help you understand where you may be going wrong and how to get back on track quickly. You can be debt free.
Mistake 1. Living Beyond Your Means
This is the real cause of your worry and stress. If you are spending more than you are earning, whose money are you spending? It’s the credit card provider’s or the bank’s. The cost of this money is interest.
The way out – Make a Commitment to yourself only to spend within your income limits. Maybe you could increase your income (or cash in) by applying for more skilled positions, selling some of your unused articles or assets. Is the second car really a necessity? What about working out ways to make your hobby pay for itself?
Why not find ways to reduce your spending? How much would you save each year if you decided not to have the daily coffee shop coffee? Why not make your work lunch each day rather than buying it? Commit to only buying the necessities.
Mistake 2. Paying Off Less Than the Full Credit Card Balance Each Month
Get this debt under control and your life will be much easier. If you are like many others and only pay the minimum balance each month, the interest on the interest makes those purchases oh so expensive.
The way out – Find ways to put aside more money to apply to the credit cards. It will take time to reach this goal. However, if you don’t make a start now you may never pay them off. This situation did not occur overnight and neither will the solution. But, by diligence and commitment you’ll get there.
Shameless Shortcuts: 1,027 Tips and Techniques That Help You Save Time, Save Money, and Save Work Every Day! Edited by Fern Marshall Bradley and the Editors of Yankee Magazine
I decided to check it out. I am totally impressed with this book! It’s divided into 18 chapters each discussing a different theme. 
Want to save on dentist bills by keeping your teeth healthy? Use an electric toothbrush! If you hate going to the dentist as much as I do, you will consider it. I recently started to use one and I can really feel the difference. After I brush, my teeth feel extremely clean. It took me a while to be convinced. After a recent visit to the dentist and a “small procedure”, I was willing to try anything! My husband has been using one for over a year now and he bought me one but I stubbornly continued to use the old-fashioned kind, until now!
and it has a built in timer that lets me know when I’ve brushed for 2 minutes. I prefer the small circular brush heads over the larger, more bulky ones. I find they work better for me. Don’t be stubborn like me and refuse to try one out. Although they may seem expensive at first, you will likely end up spending less on dentist bills so the investment is well worth it.
you can give the gift of your time instead. Spend a few minutes making a homemade gift certificate for your loved one or friend offering a special service that would be meaningful to them.