Alternatives to Spending Your Money

Find alternatives to spending money. For a friend’s birthday, take him or her on a picnic rather than to an expensive restaurant.

When someone suggests that you meet for lunch, propose meeting at the museum on its free day or going for a walk in the park. Instead of buying […]

A Good Rule For Borrowing

Never borrow to buy depreciating items. Things such as new cars, furniture, clothes, appliances, boats and luxury items should not be purchased until money is available to pay for them.
Don’t borrow to go on vacation, to invest in the stock market, to get married, to keep up with the Jones family […]

Keep a written spending record.
Paying attention to your spending patterns will help you in the process of paying your bills with greater control and adherence to your goals. You may then discover some holes in your budget than can be plugged up.
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