Freeing Yourself & Your Family
From Money Problems!

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Decrease Spending

Tips to Decrease Spending

  • Carry only small amounts of cash in your wallet so you wonít spend it.

  • Use direct deposit.
    You will be less likely to spend money if it goes straight into your account.

  • Control your use of credit cards.

  • Donít go shopping just for fun.

  • Take your written savings goals with you as a reminder.

  • Buy only what you need - donít buy things just because they are on sale.

  • Use coupons to save money.

  • Use a grocery-shopping list to prevent impulse-buying.

  • Take your lunch to work instead of eating out.

  • Shop around to get the best deal for big-ticket items, like cars and appliances.

  • Pay your bills on time to avoid late fees, extra finance charges, utilities being turned off, eviction, repossessions, and the costs of a bad credit rating.

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Freeing Yourself & Your Family From Money Problems!