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20 credit crunch busting tips

by www.creditcrunchsaver.co.uk
20 credit crunch busting tips

Alright, this is dire times for many. The credit crunch is hitting squeezing everyone from the rich to poor. The result’s are causing many people to seek a way to cut corners, save money, etc.. Here are twenty to get you started.

Expense Record
Keep a record of every expense for one month. Document and save the receipt from every single item, service, etc.. I know this sounds a little drastic, but it will show you just how many places you waste money. For example: one lady bought a 50p Coke and a 20p mint
everyday. That may not sound like much, but it is £21 a month; enough money to pay a basic phone bill.

Make A Budget
It is not enough just to make a budget, you must set your mind to not stray from it.

Eliminate Services
Look at the services that you could do for yourself. For example, If you pay someone to: mow your yard, spray for insects, manicure/pedicure, waxing, laundry, clean, etc.. try doing it yourself.

Save Petrol
Save petrol by: walking short distances, accelerating slowly, turn off the A/C, use cruise control on the motorway, coordinate errands into one trip, remove unnecessary weight from
the vehicle, do not idol the car, carpool. All of these things can save you money on
petrol.

Conserve Electricity
Turn off unused lights. Investing in low wattage bulbs will be an initial cost, but will reduce your electric bill. Unplug electrical items- when not in use. Try to run fans, instead of air conditioning. Power off the computer when not in use.

Stop It With The Credit Cards
You are paying 6%-25% percent on credit cards every month. I know that is it convenient, but it’s not cheap. On existing credit cards, call the company and ask to have an evaluation to reduce your interest rate. Most companies will reduce the interest rate on high rate credit cards, if you have had 12 months of good payment history.

Eliminate Unused Services
Do you need a landline and cell phone? How often do you watch T.V, and do you watch all the extra channels? Try a basic service or eliminate all together. In most areas you can use an antenna to get local channels for free.

Stop Eating Out
Fast food and restaurants may be an easy fix, but it is costing you a fortune.

Frugal Grocery Shopping
Cut out coupons and ad match. Use the stores own brand when possible.

Brown Bag It
Carry your lunch & drink to work...in London this could save you £100 a month at least.

Fee’s
Avoid late fees, service charges, paid parking, etc.. Walk the extra block , instead of paying to park. Do not overdraw your account. Charges can be as high as £35.00 per overdrawn amount. Walk the extra block to your bank branch, instead of paying the service charge to use a different ATM.

Quit An Expensive Habit
If you use tobacco, consume alcohol, etc.. quit! The average smoker spends around
£80-120.00 per month buying cigarettes.

Carrying Extra Money
Do not carry more money than your budget allows you to spend per day. After you make a budget, it should determine what your allowance for daily spending is. This will help avoid spending money you can not afford to spend.

Stop The Coffee Stop’s
Bring a thermos with you, if you take a coffee break. This is £1.50- £3.00 a trip that you are saving.

Reassess Insurance Policy
If your car and/or home is paid for you can raise the deductible and get a lower monthly price.

Try Barter Trading
For example: If you can do alterations, and the neighbour can change the oil in your car-- try to work out a deal.

Cancel and Avoid Subscriptions
Stop the magazine, music, download services, etc.. subscriptions

Cancel the Gym Membership
Unless you are a professional body builder, every exercise a gym offers can be done at
home.

Look At Refinancing
This is a last ditch effort for people that are paying really high interest rates, on multiple loans. consolidating loans can work to save you money. However, you need to carefully research the company and offer. It generally will give you a lower interest rate,
but there are guidelines to qualify for such loans.

Start A Savings Account
Deposit the money that you are saving into a savings account.

Beat the credit crunch. If you have money saved, you don’t need to borrow money for emergencies, down payments, etc.. However, if you don’t stick with a plan it will never work. You can’t splurge once a week, and be frugal the other six days, but still expect to save money. 
 
www.creditcrunchsaver.co.uk



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Article of the Day
Article of the Day provided by The Free Dictionary
Other articles:
- Possible Consequences of Brexit on Care Homes and NHS
- Club fire highlights problems in Romanian Healthcare System
- Travel Guide to Romania
- Romanian Festivals and Traditions
- Could the UK Healthcare system survive without EU Nurses and Carers?
- History of Hungary Part 1 - Medieval Period
- Famous Historical Polish People
- A Brief History of Lithuania
- Estonia - Small but Beautiful
- A Tourist's Guide to Romania
- History of Poland Part 3 - Modern Day
- History of Poland Part 2 - World Wars 1 and 2
- History of Poland Part 1 - Medieval Age
- Healthcare Ails as Doctors, Nurses Emigrate
- Traditional Drinks of Eastern Europe
- Hungary's Natural Thermal Spas
- The History and Difference Between Samba and Salsa
- Name Day - Traditional Polish Custom
- A Tourist's Guide to Latvia
- Placek Swiateczny - Polish Christmas Bread
- The Inca Trail in Peru
- A Brief History of the United Kingdom
- Mexican Dishes and their importance in Traditional Culture
- Cultural Sites of Interest in Poland
- Polish Weddings - Traditional Customs
- Back Packers Guide to Eastern Europe
- How to Manage your Debts during a Recession
- Czech Republic - A Bohemian Paradise
- Romania and the Myth and Origins of Dracula
- Bulgaria-Land of Outstanding Beauty
- Credit Crunch- Has the Capitalism Bubble Burst?
- A Tourist Guide to the Amazon in Brazil
- Argentina and Brazil: Rivals in Life and in Sport
- Hungary- Land of Dental Tourism
- London- Playground for the New Russian Elite
- Poland, Family, and Catholic Culture
- Once Golden, Again Golden Poland
- British people of Brazilian descent
- Go Green and Beat the Energy Crunch
- History of Brazilian Samba
- Polish Employee Rights - Anna's Case Study
- Employee Rights -Holidays and Wages
- Cosmetic Surgery in Eastern Europe
- Porkolt- Hungarian Stew
- Review of Polish Festival In London
- Writing Within the Periphery of Culture;
- Different Cheeses from Romania, Poland, Hungary
- Blend in Like a Local in Peru
- Argentinian Bocaditos -finger sandwiches
- Feijoada, Brazilian National Dish
- Basic Polish for Beginners - Part 3
- Fashion Saving Tips- Affordable Panache
- Scottish Traditional Dish - Haggis
- Bliny -Russian Pancakes
- Bigos -Polish Hunter's Stew
- Interview with Writer of Life of a Recluse
- Polish Words for English Speakers - Part 2
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- Polish Words for English Speakers - Part 1


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