Saving money is the “common sense” way to have a less stressful financial future, but a lot of times, it’s hard to come up with new ideas on how to save. Here are some tips to get you started.
1. Take the bus. Using public transportation is so much cheaper than gas these days. If you don’t live in a big city, carpool. Either way, it’s more economical AND better for the environment.
2. Fill out your FAFSA. Financial aid can knock a pretty good chunk off of your college expenses. You can fill it out online at: www.fafsa.ed.gov/.
3. Skip the gym. Go running on nature trails or rent a couple of exercise videos from the library and work out in your living room.
4. Go to the movies during the day. A lot of theaters offer discounted matinee prices. Not only are they much cheaper, but most of the time, the theaters are quieter and less crowded.
5. Hang clothes to dry. In the summer, spend time outside in the fresh air and hang your clothes. In the winter, set up a clothesline in your utility room and hang them there.
6. Buy your sweaters in the summer. If you buy clothes when they aren’t in high demand, you can get them astronomically cheaper.
7. Reupholster old furniture. They don’t make furniture like they used to. Buy the $200 table that breaks in a month or find an old solid table for $30 that you strip and refinish. It’s good as new, stronger than ever and something you can be proud of.
8. Change the oil in your car yourself. It’s not too hard and it saves you a few bucks. Plus, it’s not a bad skill to know how to do.
9. Go on a ‘stay-cation.’ If you need to get away, do it in your own home. Send the kids to a sitter for a few nights. Break out the tiki lights, make some margaritas, and read a book in the tub.
10. Make cards and gifts for friends. Gift a scrapbook for a baby shower, minus the pictures. Make a plate of goodies for a birthday and attach the recipes. It’s from the heart and it’s way cheaper.
Sometimes events and circumstances happen beyond our control, such as when an insurance company refuses to pay a claim and we suddenly have a huge debt. Or perhaps we suffer an injury or sickness and we lose our job. In many situations no matter how wise we are about cutting costs we may need to explore other options including bankruptcy.
Don’t be shy about finding out what your options are when facing financial difficulties. Some debt relief lawyers will meet with you without charging you for their time. Find out who they are and take advantage of this gift and help arm yourself with the knowledge to know what your options are and get your life back on track.
You may even be able to sue debt collectors who are violating your rights under state and federal collection laws.
You can always call Rex Anderson who will take the time to listen to your case and advise you of your options without charge at your first consultation. Call Rex at 810 653-3300.
Collaborative Writing by Rex C. Anderson, Esquire and Contributing Research/Writing by Kellye S. Smith