Paying off debt is never fun, but extremely necessary. And in order to be successful at it, you will have to pay above the minimum payments. But what if you don’t have the extra cash to be able to do this? Check out these simple tips which will allow you to find new money in your same old paycheck, helping you to get ahead on your bills!
Shop online whenever possible. When it comes to items you can find at drugstores or other similar retailers, you can often find the most competitive prices online. It’s also much easier to avoid impulse purchases with a computer or phone screen separating you from the product! Click here for some more tips on how to save money while shopping online.
Audit your monthly cell phone bill. If you’re like me, you probably don’t look at all of the line items throughout your cell phone bill. But in an effort to save money, I simply glanced at my bill to find that I’ve been paying for services that I never signed up for! Don’t be afraid to contact your cell phone provider to dispute charges you aren’t familiar with – it can really help out your wallet. In addition to considering a month-to-month carrier (as opposed to a contract), you should refer to these 7 ways to slash your cellphone bill.
Visit a Financial Advisor. Meeting your personal financial objectives isn’t always easy, especially if you are living paycheck to paycheck. A financial advisor can help you to determine just how much you should be paying to effectively decrease your debt load, while also providing you with some useful investment tips. SeaComm offers complimentary Personal Financial Advisor Services, to learn more or to schedule an appointment – click here!
Make an effort to never pay full price. When your budget is tight but you still need to purchase the essentials, it’s important to take advantage of the deepest discounts. Here are some tips on how to get the best price on everything!
Reusable is the way to go. Aside from food purchases, it seems like I’m buying the same old things every other week: bottled water, coffee filters, fabric softener, plastic bags etc. Instead of throwing away a portion of my paycheck every two weeks, I’ve invested in some of these 24 products I’ll never have to throw away, or buy again!