We are all in the same boat now. A continuously deteriorating economy has increased the prices of most everything seems to be the world sees. It's not just gas - even if the global shortage of oil has a lot to do with the costs associated with migration. In addition, food manufacturers and retailers are suffering through difficult times and to raise prices. The fact is that we are living through a period similar to the inflation of the Carter years, and the majority of American households (weaned from the unprecedented expansion80s and 90s) do not know how to handle the current paradigm. We worry so much about consumer debt and used purchases, which we no longer understand the concept of spending discipline.
However, as unemployment rises and property values continue to fall further, most families realize that something must be done to stop the never-ending dependence on credit cards. The fast-growing mountain of personal debt among our citizens, after all, has muchto do with the problems of our economy, and most economists agree that things do not improve in the near future. It 's time to tighten their belts and music.
There are a number of obvious solutions for financial management, which should not need to be explained. Consider purchasing habits of family and cut where necessary. Clip coupons and shop, when possible, in mass markets that offer bargain prices - but not before making sure not to buy more of yourFamily can use. Trade your car for gas mileage for something better. Avoid expensive holiday. Do not expect things to improve.
For this article, we asked a number of different consumers across the nation for their own saving strategies through these difficult times. The majority, once again, were quite evident (Sports Utility Vehicle would be a bad idea, the purchase of consumer goods needed at a fraction of the cost of real estate sales would be excellent) or in person atsome consumers (a wood stove for those three weeks of freezing relative may make sense for Sacramento, but not well serve our readers in the north), but some of its proposals were actually very useful. In the piece below, we have collected the most useful tips for everyone to benefit from practical solutions to our spiraling economic crisis.
Ensure you save!
To be sure, especially with so many Americans over the necessary checks and medical examinations because theirEmployment (and government) does not sponsor, preventive treatments, we do not want anyone to avoid paying for health insurance. For many American families, it should be - right! - Being one of their biggest monthly expenses. In the same place, the cost of many other insurance plans are overly protective or not used at all in many cases. Life Insurance for bachelors could have a sense of timing your grandfather when you do something to borrow against later in life necessary, but at this ageavailability of credit, there are better investments. Similarly, there are too many vehicles or owners of the absurd premiums to offset deductibles deceived negligible. Think of it this way - how often do you crash your car? It would not be saving a hundred dollars a month within a benefit from the program to make sense of much more than pay an extra hundred dollars a month just to avoid another thousand dollars, should the worst happen?
Phoenix, Arizona, said Jean Papillcoch us: "An old friendI sold this car insurance package. It seemed the big time - collision, theft, even worried about me personally, if I had been involved in an accident. And, you know, you get used to only have to pay the bills, but I have not driven the car for over a year. Just money down the drain. The woman has finally seen the paperwork, showed me what I actually paid, and ... I do not even need a boat. "
Drink Responsibly!
The problem with the budgets of many families is that they do not take full account of whatFamily members actually spend their money. The day of Diet Coke, after the gym (more on that later) and the morning cup Machiatto actually be larger than most of the families added electricity bill once. Alcohol, as well, has its own return to decrease personal affairs, but wine lovers will find the distinction between a well-designed four bottles of wine dollars and the average supermarket, for twenty dollars would be barely noticed. Simply thermos orblend with the office, the purchase discount generic soft drinks in bulk goods, select the brand and the taste of home can easily save consumers thousands of dollars a year!
Mrs. Lisa Munnepenne of Fairbanks, Alaska reported. "I felt strange the first time, just walk by the Starbucks on the way to work I mean, I could see the people behind the counter and gave me the feeling that it was not. They waved or anything, but I feel like I'm snubbing them or something like that. And on Monday morning,Coffee at work tasted just as bad as I thought it would be. But, you know what, until Friday, was able to say that I do not know the difference! I did not even notice. In fact ... In fact, it was just like my first week of work. "
By eating!
There are many excuses. The kids want pizza. We have so few hours alone. I'm going to lunch tomorrow. The same as in the choice of beverage, convenience and control of the brand purchase behavior of consumers in a debt inevitably ridiculous and aggravatingDegrees. Employees and young professionals to spend on eating too much of their income. You could blame the lack of time or means, but all that is needed is a change of habit. Most people actually find that they enjoy their time in the kitchen, and any meals are prepared not only healthy, but because they are exactly the taste of the cook, really rewarding. And, regardless of the protests of homemade gourmet meals are fast growingaffordable.
Mr. Raj Meekaaf, Kalamazoo, Michigan: "It 'was this cafe next to our building, was the best breakfast, and even when it has entered time, I would not give up a few days, that the only reason he was out. the bed .. That's what I thought surely after the company went under, I had to cook for me to start -.. reveals food is not so important as you might think "
Investing in savings!
This is a difficult problem to handle in tight spaces. We,obviously not discourage sophisticated investment strategies - even if most of the employees of large companies, the benefits should take their 401k plans, companies promise to match funds. In the same place, playing too many consumers their money with the representatives of the speculators of the Internet in all likelihood, neither the training nor the experience to provide its customers exactly Fund. Even for those sites that maintain an attractive return, most of themcompanies simply find one of the accounts for the largest funds - while bringing great a percentage of operations that can be done by anyone literally within 20 seconds. Throughout his life, investments, transaction costs can rise to tens of thousands!
Mrs. Jessie Williams; Osakus Lake, Minnesota: "I run a home business, and the company has done fairly well in recent years seemed the moment, I would have to start thinking about investments and - I do not know.I do not know anything. And I live in a rural area, there was no one in my town, I was able to converse with them, so I started with one of the online companies you see on television commercials. After a few months ago I started the hang of it, and I thought to myself - "Why am I paying three per cent of all trade only way this joker can press some buttons," No complaints with the service, treat you like a princess, but am I? "
Drugs are drugs!
Generic brands are becominga source of comedy - it would be good yes, provided that the advertising was, was not so long ago that every commodity has been as a generic. But for people to see the commercials, the bargain price of staples or additions to the necessary drugs are also something for the poor. In particular, the drugs - - was for sale was approved by the Federal Drug Administration, it is understandable that a century of advertising, consumer loyalty to brand, but wanted somethingThere's no reason Americans should question the quality. Many pharmacies and hospitals on the generosity of benefits and medical sales professionals have good reason to promote one brand over another, despite the demonstrably equivalent results and a sharp decline in prices.
Mr. Bryan Shaddar, Fargo, North Dakota: "My doctor had recommended that pharmacists have with your doctor, I was right to have two years to finally wise to listen to my friend to his friend and most economical way to do this. ?Things. Same drugs. Absolutely the same thing. Perhaps they came from Canada or wherever. If I care where they come from? If I care who sells? They are half the price that really matters is. "
Give It A Day!
Habitual non-spenders to take credit cards. Before you decide on something in life (romantic themes, except perhaps), consumers should always take advantage of the "rain check" in most grocery stores or brokers or dealers offered. A waiting period is simplyA concerted effort is needed for efficient and adequate budgets. If after two days, you still want to buy, television or truck or the suit is almost always available. Honestly, should apply to families to maintain a budget set by the eager little more than $ 75 minimum of 20 hours, studied advice. You'll find that often do not appear the product in question is actually not so important after all.
Mrs. Sally Falk;Chicago, Illinois :.!.! "I want to be an impulse shopper I used my IM-PULSE Everything I've seen, I had to have the right and then just wait 2 days, as you said I was Ehh .... I mean, I was just totally mind changed. "
Keep On The Grass!
This is less a service to our readers, more urban, but one of the first proposals for financial analysts in suburban communities is simply to mow their lawns for homeowners a. On average, owners spend more than fiveHundred dollars a year just to lawn care! In neighborhoods more beautiful, even if the homeowner can be paralyzed by financial costs, the costs can reach five figures topiary. In part this is intended as a lesson from professional debt: you reap what you sow, and you should bear the burden of vanity.
Mr. Jon Hansom, Corvallis, Oregon: "We have a large enough spread in the back and the guy comes around, your lawn mower has its own, I guess, of course, it's worth a fewMoney to help a guy out and save the sweat off my back. Then before you know it, I'm paying him to fix the fence, to bury the chickens - we have a few chickens - his girlfriend and babysitting the children while we go to eat. End of the month, it seems, we must do more than the power company. I'm worried my wife will think I'm crazy. "
They call it finished!
Do you even know that someone under forty who is a traditional phone service works today? With the suddenUbiquity of mobile services and the apparent need for Internet digital, could not even recognize a generation, the whole concept. At the same time, approaching the average monthly cell phone stipend for eighty dollars a month - or, to put it bluntly, almost four percent of gross monthly income, the average American. They are, of course, some people comforting and helpful (especially repair and cell tower that Verizon guy) really working for her claim. For most of us, even if theThe money could be better used. If the phone is truly an integral part of your job, then there is no reason to maintain the long distance home.
Tim MacMurray, London, Ontario: "I just realized after a certain point ... I mean, if they are already, because I have to talk to someone else is just stupid jokes or" hey, call me back? . Can I talk to anybody when I'm at work. Why do I need a mobile phone? What's wrong fixed? "
Lights Out!
This is perhaps the least necessaryLesson. These days almost every commercial advertises the need for efficient light bulb rather sultry sweater winter heating needs, every small change to avoid global warming. But rejection of a number of our unfortunate countrymen, both the energy crisis to come and acknowledge their guilt - not to mention his weight overall debt. Carefully so that all unnecessary electrical appliances were switched off and that (although it may take an inconvenient hours to warm upafter) the heat was rejected long weekend out of town, the average American saves about $ 3,000 a year. And, you know, to save the planet for their grandchildren.
Mr. Jack Trevors, New York, New York. "It took a while 'to sink in the kind of guy who leaves the lights blaring TV used, whatever, if I left the house and begins to bills set to run, start thinking about where it goes money where your priorities are, andAt the end of a shift. Last summer - as we did not use electricity almost all ".
Friends do not let friends spend!
Among the fatal consequences of the maintenance budget can (temporarily, hopefully) goes away with money from friends is more or less in terms of new debt. Many analysts dominate the personal economy of new economic, time and money but warn you spend with friends engaged in similarSaving measures. It seems a little 'hard, we know, but should understand these worthy permanent allegiance you are trying to plan a better future.
Mrs. Pauline Merriam, Au Claire Wisconsin. "Awful problems about two years ago, we just left California and was a couple of old friends who were just scraping by hanging in Chicago after explaining that we just didn 't There were no money looks ... obviously ... because people who were living withdo not ask for anything, if the test came around. And we are friends to this day! Just goes to show. "
Do not send the form!
To tell the truth about someone who is concerned about the annual shipping costs for their various needs and utility payments is probably more trouble than you could help with a look at this article. However, there are other problems in the game remembers the benefits of electronic payments as well as postage costs. Individuals can joinRequest to move a small percentage of your checking account automatically each month credit on investment - and then deceived spendthrifts save helpless lunatic. On the other hand is the final separation of commercial banks and current accounts dramatically aid accountants in preparing their defense against potential deductions and the Internal Revenue Service internal audits.
In addition, creditors and almost every utility now supports active electronic transfers and convenienteach program is literally reward consumers for automatic payments (often banks) to establish through their personal or business accounts. You will be rewarded not big, has five dollars a month at most for the gas bill, but a free month of gas for consumers, more than 10 minutes to advance to the creation of such a plan could be the same. Also, stop automatic payments that the risk of late fees from bills forgotten or mistakenly published articles. In this day and age, there really is no reasonsomething other than mash notes and grandfathers birthday card must be sent by U.S. postal service.
Mr. Marc Duper, Danbury, Connecticut: "To be honest I did not send a check for any more than ten years."
Find Your Own Fun!
Premium cable service for movies every Friday, the Americans believe in some way historically unparalleled entertainment on your state of mind they deserve. This should not be considered as a tool. Man needs shelter, food, water, (for some cultures)Clothing and little else, to survive. Western civilization has taught the importance of education and hard work for the good life. Prevention of pollution through the actions of other growth can rarely more beautiful. Also, gym memberships, personal trainers, where they are well paid, workers to their clients, it seems ridiculous to previous generations. Leaving aside the HBO and nights of family fun. Use the library. Start running in the park, start the administration and settlement of your debts.It is a long life and a better way to begin immediately.
Larry Brattner, Colorado Springs, Colorado: "There was a time right after college, where I think I went to the theater every night really has nothing satisfactory to help some of the films most of them were in no shit .... Is that that helps you save money and pay off my debts. I can not lose this time?. A. All. "
