7 Tips to Cut Costs at Home
Posted by newsletterclips on
March 10, 2009
7 Tips to Cut Costs at Home
1. Make an itemized list of all your expenses for the month and then decide where you can cut costs.
2. Keep a weekly tally on all your expenditures. Go through your receipts and find where the little pocket change is vanishing. Those little extras really add up. Try to eliminate them.
3. Keep your trips to the store at a minimum. On average each trip will mean that you will pick up a few extra unplanned purchases. Try to plan your weekly shopping with a written list of all your necessities.
4. Shop quickly without much browsing and make sure you’re not hungry before you enter the store. Snacks are costly and when you’re hungry, you can easily toss in several extra purchases that would have been avoided if you had only eaten before you went in to the store.
5. Be patient. If there’s something you really want but don’t really need right away, watch for sales. Try to avoid buying things at full price. With food, learn to stock up on essentials when there’s a good sale.
6. Stay organized at home. When you can’t find something that you really need at the last minute, you may end up running to the store and purchasing another one. Organizing your stuff really can save cash!
7. Do it yourself. Stretch your knowledge and learn to do more things yourself. The local library and the internet has an unlimited resource of knowledge. You can learn to do about anything you want to accomplish and save tons of money doing it yourself.
7 Tips to Cut Costs at Home by NewsletterClips.com
8 Tips to Finding Legitimate Debt Settlement Companies
Posted by newsletterclips on
March 8, 2009
8 Tips to Finding Legitimate Debt Settlement Companies
1. The company is prepared to meet your needs in an efficient manner.
2. The company offers free consultation.
3. The company has a debt counselor or specialist available who can accurately assess your entire financial situation and recommend a suitable course of action.
4. The debt counselor or specialist should work with you hand-in-hand in developing a program that will lead you to being debt-free in the shortest time possible.
5. A legitimate company charges you according to the original balance, not the balance after all of the fees and charges.
6. Please be very cautious of companies making outrageous claims as a part of their services, such as guaranteeing to stop all creditor phone calls or that your credit will not be altered.
7. The company demonstrates the required business practices and standards required by TASC (Trade Association of Settlement Companies). TASC’s purpose is protect the interests of consumers.
8. The company has skilled debt negotiators and settlement professionals, who are current with laws pertaining to debt, credit and collection.
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