TIME TO START SAVING MONEY
***NINE THINGS TO GIVE UP IF YOU'RE LOW ON CASH***
People everywhere are having a hard time making ends meet. But if you're hurting for money, chances are, there are some things in your budget you could do without. Here are ten things you should immediately cut from your budget if you're low on cash . . .
#1.) YOUR HOME PHONE. Cell phones have become indispensable, and it won't be long before landline phones are as dead as the telegraph. For most people, a home phone is actually a LUXURY ITEM, which is why it's an obvious expense to cut immediately.
#2.) iTUNES. Buying music and movies is extremely easy now. But instant gratification is always a recipe for overspending. If you buy two albums a month, that's $20 you could have spent on something you NEED.
#3.) NEWSPAPERS AND MAGAZINES. Reading news on the Internet isn't the same as reading the paper . . . but it's close. And it's a lot cheaper. Online news is the way of the future, so you might as well get used to it . . . and save some money.
#4.) BLAZINGLY FAST INTERNET. Cable, satellite and DSL have been ramping up the speed for the past few years, but having the fastest connection they offer probably isn't necessary . . . and downgrading could save your upwards of $40 a month.
#5.) THE INTERNET ON YOUR PHONE. If you need it for work, that's one thing. But if you're paying $50 a month just so you can check sports scores, it's probably time to reprioritize your monthly spending.
#6.) DIGITAL CABLE. If you're staying in and trying to spend less, then DON'T cancel your cable. You'll need SOMETHING to keep you from going crazy. But getting rid of premium channels and downgrading your cable package might be a good idea.
#7.) BARS THAT CHARGE A COVER. Drinks are already expensive, so if you ARE going out, steer clear of clubs and other places where you have to pay just to get in the door. They also tend to charge MORE for drinks than normal bars do.
#8.) FANCY DRINKS. Whether you're at a bar or picking something up at the liquor store, start being cheap. Top shelf liquor costs a lot more, but unless you're a true aficionado, you can't really tell the bad from the good once you mix it with something.
#9.) EXPENSIVE LUNCHES. Bringing a brown-bag lunch to work is something we think about doing . . . but never do. But if you're spending five dollars a day on lunch, five days a week, that's $100 a month.
--And don't try to pretend that bringing your lunch from home ends up costing the same as eating out . . . because it doesn't. (AskMen.com)
#1.) YOUR HOME PHONE. Cell phones have become indispensable, and it won't be long before landline phones are as dead as the telegraph. For most people, a home phone is actually a LUXURY ITEM, which is why it's an obvious expense to cut immediately.
#2.) iTUNES. Buying music and movies is extremely easy now. But instant gratification is always a recipe for overspending. If you buy two albums a month, that's $20 you could have spent on something you NEED.
#3.) NEWSPAPERS AND MAGAZINES. Reading news on the Internet isn't the same as reading the paper . . . but it's close. And it's a lot cheaper. Online news is the way of the future, so you might as well get used to it . . . and save some money.
#4.) BLAZINGLY FAST INTERNET. Cable, satellite and DSL have been ramping up the speed for the past few years, but having the fastest connection they offer probably isn't necessary . . . and downgrading could save your upwards of $40 a month.
#5.) THE INTERNET ON YOUR PHONE. If you need it for work, that's one thing. But if you're paying $50 a month just so you can check sports scores, it's probably time to reprioritize your monthly spending.
#6.) DIGITAL CABLE. If you're staying in and trying to spend less, then DON'T cancel your cable. You'll need SOMETHING to keep you from going crazy. But getting rid of premium channels and downgrading your cable package might be a good idea.
#7.) BARS THAT CHARGE A COVER. Drinks are already expensive, so if you ARE going out, steer clear of clubs and other places where you have to pay just to get in the door. They also tend to charge MORE for drinks than normal bars do.
#8.) FANCY DRINKS. Whether you're at a bar or picking something up at the liquor store, start being cheap. Top shelf liquor costs a lot more, but unless you're a true aficionado, you can't really tell the bad from the good once you mix it with something.
#9.) EXPENSIVE LUNCHES. Bringing a brown-bag lunch to work is something we think about doing . . . but never do. But if you're spending five dollars a day on lunch, five days a week, that's $100 a month.
--And don't try to pretend that bringing your lunch from home ends up costing the same as eating out . . . because it doesn't. (AskMen.com)
posted by Nazzy @ 6:17 AM
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