Online Beat Maker Free! There was a time that I was living paycheck to paycheck and barely balancing the household budget. An occasional visit to the local money advance store to pay for a bill, maintain your power on or prevent bouncing a check was not uncommon. It seemed innocent initially; a critical expense here, a splurge there then suddenly I would find myself thousands in debt. I could get myself back into the black but found myself doing it all over again. I decided until this wasn't how I wanted to live-as a slave to debt-and set out to teach myself the best way to be free.
Do You Know Where Your Money Is?
The very first thing I did was determine where my money was, and even more importantly, where it turned out going! Sometimes it seemed to just disappear into thin air. I'm not much for bookkeeping, so I purchased and downloaded some finance tracking software. There are multiple options around such as Quicken or Microsoft Money in addition to many free software which may have fewer features but basically do the same job.
I started keeping all of my receipts from purchases within my wallet and each other day or so I would spend only 15 minutes typing them into the program. Within per month I quickly a graph showing where my money was being spent...and I was shocked! It is impossible to address the battle if you don't know where the enemy is.
Ditch the Luxuries
We all like luxuries but there needs to be a limit. If you're living on credit, you've got luxuries you can't afford. I eliminated the extra pay channels from my satellite provider (that I seldom watched anyway), dropped all the extras from my voice service, sold off a classic pickup truck that I drove about every six months and quickly found about $150 per month in extra cash. This was of great assistance but it still wasn't getting me where I wished to be.
The Old Adage
You've heard it before...pay yourself first. After freeing up some cash from my regular bills, I quickly realized that I still found myself needing to reach for the credit card to cover unexpected expenses. I needed a cash cushion! Many experts suggest having half a year of income sold at all times but seriously, what percentage of us can truly afford to make it happen? I worked some overtime in the next several months and managed a decent $2000 during my savings account for emergencies only. I now look at this my "zero" point and then try to never go below that. For you, this amount may need to get more or less according to your situation, but a cushion is vital to getting out of the cardboard rat race.
Lose the Auto Loans
I had recently made my last payment for the family van but I knew I would be in need of a newer vehicle soon. But here's a simple truth: vehicles really are a bad investment to borrow money for-especially new cars, which drop in value the next you sign the papers. It can be as damaging in your finances as running up credit card debt!
I started putting the identical money I had been paying per month on my van into my checking account. Most banks and credit unions can now do that for you automatically-all you have to do is defined it up. Combining this saved money using my tax return in the year, I bought my first used vehicle in cash. What a great feeling! I continued to put exactly the same amount as being a monthly car payment into my checking account and I have now gone a decade without a car payment and also have upgraded with a nicer vehicle twice.
Financial Freedom is Exhilarating!
Getting to the point that I no more needed to grab a charge card has released an enormous amount of stress from playing. It takes a bit self-discipline and time though the reward is a bit more than worth every penny!
Don't let the charge card companies get richer when you get poorer. Take back your freedom!
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