When money is tight or your financial circumstances have changed, speaking to your creditors can help you buy enough time to get through the crisis.
Creating a budget is actually pretty easy. Figure out how much is coming in and how much is going out. Sticking to the budget? That’s the tough part.
Lots of experts give tips about reducing discretionary spending but what about fixed expenses? You can free up a lot of money by reducing your monthly output.
If you’re not running your home like a business, you should be. This includes keeping detailed financial records and performing audits of your budget.
Don’t avoid the sun – bask in it, get Vitamin D safely, and boost your immune system and your happiness while lowering your risk of multiple diseases.
Make your home warm, cozy, and inviting without spending a fortune. If you’re hosting Thanksgiving, you’ll want to show off your harvest-season best.
This isn’t advice for folks who are just down a few hundred bucks a month. It’s for people who are truly desperate to stay housed and fed.
Thanksgiving is wonderful, but nobody is grateful for the price tag. Don’t spend a month’s grocery budget on just one meal – check out our tips for an affordable feast.