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Cut Your Expenses NOW: 25 Easy Ways to Jumpstart Your Debt Management Plan



Cut your expenses by following the tips below to add to your debt management plan:
  1. Buy store brand cereals. If you go through one box a week, you'll save $100 a year.
  2. Clip coupons for brands you already use.
  3. Pump your own gas and use the lowest octane.
  4. Brown bag it for lunch. For what you pay to eat out, you can pack a week's worth of sandwiches and fruit.
  5. Shop only the sales or clearance racks when shopping for clothes.
  6. Haunt garage sales for items like lawn furniture, CDs and kid's clothes and toys.
  7. Go through your magazines and cancel subscriptions to any you don't read faithfully. Be honest and keep only those you really love.
  8. Consider going to just the Sunday edition instead of the daily paper.
  9. Move from Premium to Basic Cable, especially if you're too busy to watch it all that often.
  10. Go to matinee movies or theaters that show "second runs" that have been out for a few months. These are less expensive.
  11. Eat out half as often as you do now.
  12. Shop around for the best phone rates and make the switch to the best deal on both your landline and your cell phone.
  13. Carpool to work.
  14. Develop a "trade-off" for activities like baby-sitting with friends. Every other week, watch each other's kids instead of paying a babysitter when you go out. You both save money this way.
  15. Join a warehouse club to save on everything from electronics to groceries.
  16. Never, ever buy anything expensive without sleeping on it first. Most of the time, you'll discover you don't want it as much as you thought you did.
  17. Stop using the vending machine at work. Instead, stock up on cans of pop from home or take a thermos of iced tea to the office.
  18. Give home-baked or homemade gifts to neighbors and friends in place of expensive store-bought presents at the holidays or birthdays. They'll love the personal touch and you'll save money.
  19. Serve two dinners each week that are meatless, such as pasta, soup or a nice salad with bread.
  20. Buy breads and snack cakes at a local bakery thrift store and freeze it, taking it out as you need it.
  21. Buy meat in bulk for savings, then divide and freeze in smaller portions at home.
  22. Get a library card. You can check out not only recent best-sellers, but also CD's, books on tapes and movies for free.
  23. Wash clothes in cool or cold water and wash only full loads.
  24. Only use ATM's that are at a branch of your own bank. Some ATM's now charge a fee of up to $4.00 for every transaction.
  25. Barter. If you're tired of some of your jewelry, get together with friends some afternoon over snacks and have a jewelry "swap meet."

If you need more ways to cut expenses for your debt management plan, visit Lower My Bills.
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