Debt Management Tip 3: Recreation, Leisure, Eating Out, and Utilities

Ask yourself how often you: Dine Out? Go to a first run movie? Get your haircut, or nails done? Go to a music concert or professional sporting event? When the family does go out, look for promotions that save money and not cause you to incur credit card debt (buy one entrée get a 2nd for free, kids eat free, early bird specials, discount movie theatres, off peak rates, coupons, etc) Taking advantage of these opportunities doesn’t make you cheap, it just means you are a savvy consumer and on your read to debt freedom.

With lunch and snacks, do you normally begin each day with a gourmet cup of coffee and a pastry or do you purchase your lunch from a vending machine because it is conveniently located in your break room or do you go out daily for fast food or a sit down lunch? Each situation is convenient and tasted good, but does not lead to debt relief. By planning your lunches and bringing food from home regularly you will save money and apply more towards possible credit card debt and a debt counseling program.

The most common path to debt counseling and credit card debt is a need for non-necessary utilities such as high speed internet. Feel debt relief by deciding what is really required. With tremendous competition in the communications industries (telephone companies, internet service providers, cable and satellite TV businesses, wireless phone companies) it pays to shop around for the best priced products for what you need. Secondly, don’t pay for services you don’t need or use just because it came in the complete package they sold you. Explore why you own a cellular phone and how do you use it? Ask yourself if the talk time on the phone is worth debt management. Review your Internet usage and cable TV habits to see if you are spending too much of your time and money on these services. These extra costs will not allow you to become debt free today. Does the residential long distance service you pay for match your uses of long distance services at home? If you also use a cellular phone, does it provide long distance service for free subject to specific calling times? Each of these is an important concept to evaluate before entering a debt counseling program. At Make Me Debt Free, we offer a debt management service that will help you become debt free.

Continue to Debt Counseling Tip 4

Apply now for debt counseling and be on your way to becoming debt free today.


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