Thursday, July 5, 2007

Struggling with debt

I have been struggling with debt for a few years now. Some mistakes that I have made in my past have come back to haunt me. I am attempting to be back on track by October, 2007. I am making great headway. Just wanted to start this blog with a list of little things that I have done that have helped me out considerably.

1. Clipping coupons: Never thought I would do this, but hey I am saving tons of money doing the clipping. I only grocery shop at the stores that offer the double, or triple coupons and also offer a discount card. I also swap coupons at work. I have saved on average $10-$15 a week. I have the local grocery store ads mailed to me and set down the night before shopping and organize my coupons with my list. Keep your receipts, they show your total savings on them, add them up at the end of the month, you will be amazed. I know I was.

2. Make one trip: I am not one to run all the time, I try to do at least one chore a night after work. Grocery shopping is thursday after work, new sale starts and I am not wasting the gas to run out on the weekend.

3. Take a calculator with you, make a budget and stick to it. I really used to get tired of hearing this, but guess what. IT WORKS! Make a list and stick to it. You won't miss what you were not planning on anyway.

4. Hit the sales, buy shoes, clothing and etc. when it is buy one, get one free or 1/2 off.

5. Shop online, I am an http://www.ebay.com freak, besides you get so many different styles that no one else has there at a bargain price. http://www.amazon.com isn't just books anymore, I have saved a mint, especially at christmas time on this site.

More to come

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