Please call a coach. They can evaluate your specific situation & advise you. Not one coach judged me for being in this awful situation.Lin1
With summer approaching, many people are making vacation plans. The rest of us are reviewing our budgets and having trouble justifying taking a vacation. Being on a strict budget doesn't mean you can't have fun. With a little bit of creativity and planning, even the most budget-conscious can find a way to blow off some steam this summer!
If you're planning a trip for more than yourself, make the planning part of the fun. Get everyone involved in the decision making process and build some excitement. Make a game of who can find the best thing to do that is closest to home. Some research options are:
You can probably come up with some great ideas that will provide low-cost entertainment, and still allow you to sleep in your own bed at night.
One of the least expensive things you can do is leave the car in the driveway and think of some fun activities to do at home. Most of us lead such busy lives these days that a week at home, with some low-key activities, may be just the ticket to recharge our batteries.
If you make a list of all the fun or relaxing things you'd like to do "if you only had the time," you'll probably find that the week at home will be up, before you cross everything off your list.
If staying at home isn't the answer, look for events and activities happening in your own community that won't require a lot of driving to attend. Just because you're not a tourist, doesn't mean you can't enjoy your local attractions! There are probably local sites in your area you've overlooked that others travel to your area to see. Check out:
It's relatively easy to choose a destination and travel anywhere in the continental United States by car, but due to the high cost of gas these days, you may want to stick with locations that aren't too far of a drive. Plus, trips you can do in a day allow you to avoid searching and paying for accommodations and allow you to get home and sleep in your own bed at night.
To help defray the cost of your day trip:
If you've exhausted all of the possibilities for fun in your backyard, community, and nearby destinations, or are determined to get away from home for one or more nights, you should consider low cost accommodations.
Between the stress of paying bills and trying to stretch your paycheck to keep up with rising prices for everything from groceries to gasoline, you probably could use a vacation this year more than ever. Unfortunately, the cause of all that stress is probably the main thing standing in the way of that much needed vacation. Try doing things a little differently this year, and plan a summer getaway without leaving town. With a little research and organization, you'll find there are many options for singles, couples, or families to plan a relaxing getaway without getting away at all!
By now, you’ve probably broken a New Year’s resolution, or two, or three. But there’s one resolution you can’t afford to break and that’s getting out of debt. You’re on the right path to success being on a debt relief plan, but this is no time to let your guard down. Toward that end, here are 9 tips to help you keep your commitment this year.
Following are five ways to save on your garden: 1) Grow from cuttings. Instead of spending at the nursery, use cuttings from your current plants to grow more greenery. 2) Skip the weed killer. Chemical killers can get pricey. Use a spray bottle of vinegar to kill unwanted grass and weeds, and even keep ants away. 3) Check online. From fertilizer to lawnmowers, try craigslist.org before shelling out big bucks. 4) Visit the dump. Large garden pots cost a fortune; old bathtubs don’t. Try your local dump for creative containers. 5) Reuse, recycle. Old panty hose legs make great ties for tomato plants—they even stretch a little to let your plants breath.
Following are five ways to slash your heating bill: 1) Insulate! If you have any unheated spaces in your home, insulate above them (i.e., the ceiling of your basement, or the rafters of your attic). 2) Adjust the thermostat. Even lowering the temperature by a single degree can save 10% on your energy use. 3) Harness the sun. Unless your windows are really drafty, leave blinds open during the day. The sun’s natural heat will make a noticeable difference in the room. 4) Reverse your blades. Reverse the blades on your ceiling fan when the temperature drops. It will push the warm air down into the room. 5) Bundle up. Put on an extra sweater (or two). Fill a hot water bottle and you’ll stay cozy without spending more cash.
Following are five ways to save on your cell phone plan: 1) Review your usage. Are you chatting at night? During the day? On the weekend? Track when and whom you’re calling and find a plan to suit those habits. 2) Bundle your options. If you’re big on texting (20% of us average 10+ texts per day), don’t pay for each message. Make sure texts are included in your rate. 3) Consider a prepaid plan. This is a worthwhile option if you use fewer than 200 minutes per month. 4) Skip the insurance. It’s just not worth it: Insurance can run you $8 per month and you’ll still be responsible for a deductible (usually $50). 5) Track your international calls. If you often call overseas, investigate carriers that specialize in international plans. You’ll save tons over domestic carriers.
Following are five ways to save on groceries: 1) Shop high and low. Higher-priced items are likely to be chest height while bargains will be at the top or bottom of the shelves. Reach a little to save a little. 2) Don’t shop hungry. It’s harder to resist impulse items when you’re starving. Have a snack before you shop. 3) Make a list. When you’ve planned your purchases ahead of time, you’re more likely to stick to your budget. 4) Not all bargains are bargains. Don’t buy two pounds of tomatoes just because they’re on sale. If you end up throwing them out, you haven’t really saved. 5) Compare prices. If you buy the same things every week, shop around for the best prices. You may end up shopping at multiple locations, but you’ll save on weekly staples.
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