Here you’re going to learn several ways to save money every month by lowering your monthly bills. There are lots of ways to save money, whether you have a little or a lot! I struggled for nearly 10 years to pay my own bills, I learned many ways to save money. From simple things like food, gas, and clothing, to bigger expenses, like insurance and your mortgage.

All you need to know is where to look to find the savings.

Several Ways To Save Money

The first thing you need to do is identify and cut ALL unnecessary spending:

• eating out on the weekends
• buying lunch at work every day
• magazine and newspaper subscriptions (especially those you can get online and at the local library)
• cable TV (you’d be amazed at how many other ways you’ll find to spend your time once you get rid of cable TV)
• groceries (you can save lots of money with coupons and specials.)

It’s OK to reward yourself once in a while, but if you are really looking to get out of debt faster, you owe it to yourself to save every single penny you can!

To find other ways to reduce your expenses, take a close look at your checkbook and credit card statements. You should also call your credit card companies to see if they will lower your interest rates, even if it is only for a short time.

You’ll be amazed at how many ways you can save money, especially once you start looking carefully at how you spend your money every month.

Shop Around For The Lowest Prices

For those expenses you can’t eliminate, it’s time to start shopping around for the best prices. You can shop around for just about ANYTHING you spend money on! In fact, by shopping around I ended up saving myself more than $750 a year on car insurance alone!

The same is true of many of your monthly expenses – like long distance telephone service, internet service, all types of insurance, mortgages, and in some places even your utility bills.

It DOESN’T take any special skills. All it takes is a few clicks and you can save yourself a bunch of money in no time at all!

So, if you’d like to save yourself lots of money every month – start shopping around and looking for ways to lower your monthly bills right away!

For those who are good savers, what unique ways have you learned to save money?  Post them in the comments below.

Finding a job that pays the bills and you love it too?

As a financial coach, I see a lot of scenarios day to day.  Most people could do a better job managing their money, but for some spending energy finding a better job is where the real energy should be spent.  I have read a lot of books on finding work, but I personally like Dan Miller’s ‘48 Day’s to The Work That You Love“ (affiliate link).  Dan’s book walks you through a systematic step by step process to help you find work that will not only pay the bills, but a career you will love.   Stop worrying about how many people are out of jobs, and let’s focus on you finding one job. There is work out there for you, we just need to find it.

(Affiliate)

Is it possible?

Depending on where you are in your financial journey you may be wondering if becoming debt free and having an emergency fund is even possible.  If you are thinking that it’s not achievable, trust me I understand.  At one time I thought the same thing, and if you would have told me that I would be teaching people about money today, I would have laughed at you.  I am here to tell you that it’s not only possible, but it’s absolutely necessary.  If you are going to have any chance of staying out of debt, and having financial success, then you are going to have some margin for life.

Continue Reading…

One of the reasons that most people are living paycheck to paycheck, is due to their lack of vision. Not having a plan will definately affect how you spend your money. Let me give you an example.

If you are going on vacation next month and you need $500 to take with you. You do your budget and realize that after expenses you will just barely make it, but you can’t spend a dollar for the next month. Then within that month a deal comes along for an new iphone that costs $200. We already know that you don’t have the extra money for the phone if you still want to go on vaction. You decide that the trip is more important than the phone. You also realize their will be time later for the phone.

This is an example of a short term vison, but what we need to develp is our long term vision. Thier are a few basic questions to help you develop your financial vision.

1. How do you want to retire? That is if you want to retire?
2. How do you want to spend your time now?
3. How big should your emergency fund be?
4. What are you willing to give up to achieve you goals.
5. What needs to change to begin going in this direction now.

This is a brief list that is menat to begin getting you thinking about having a long term vision. If you learn to think about your future and write them down, you will begin finding forward. If you need any help developing your vision you can email me here.