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Sharman Lawson

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12 Steps to Eliminate Debt Forever
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   Ways You Can Save Money:

• Spend less money than you earn.
• Find ways to make more money. 
• Make more money by filling out paid online surveys.
• Adjust your lifestyle to accommodate the first rule.
• Create a financial budget to help you save.
• Do not use credit cards.
• If you do use credit cards, pay them down in full each month.
• If you have a lot of credit card debt at high rates, look into consolidating your debt.  
• Lower your student loan payments.
• Forego spending money whenever possible.
• Cook more and eat out less - go to www.recipestogo.com to get quick ideas on cooking.
• Stop purchasing frivolous, impulse items.
• Forego purchasing non-essential items.
• Refinance your mortgage or debt at a lower rate.
• Refinance your car loan at a lower interest rate.
• Find cheaper insurance rates.
• Lower your phone bill.
• If you haven't heard of it, the Entertainment Book can save you hundreds of dollars at your local hotels, restaurants and attractions. 
• Join an online discount shopping club.
• Wait for things to go on sale before buying them.
• Don't buy anything just because it is on sale.
• Buy generic or non-name brand products and merchandise.
• Wait for prices to fall before buying (applies especially to electronics items - like DVD players).
• Reward yourself for saving money.  Enjoy watching your debt shrink and your investments grow.
• Drive used cars.
• Reduce your auto insurance.
• Buy discount magazines .
• Do more activities at home.
• Invest the money you save so that it earns money too.
• Create a plan to save $100 per month (or as much as you can swing). 
• Try never to miss the monthly savings payment and try to find ways to increase it to $150 per month.