Make A List to Save Money
If you truely want to save some money each week or each month then you first have to figure out where you are spending it. The simplest way to do it is start an excel spreadsheet and track for any given period what your expenses are. Your gas and car, your groceries, entertainment, misc. daily expenses and anything that occurs on a regular basis. Choose your period such as a month or week. Once you have a couple of periods saved in your excel file you can then start to figure out how you can cut these expenses down and save money. If you are grocery bill is roughly the same over the period of a few months try coupon clipping or buying sale items in bulk and see if you can cut that number down. If you are spending x number of dollars in gas each month try walking a little more and see if you can cut that expense down. The bottom line is that you can't save money if you don't know where you are spending it in the first place.
So you are stuck with a maxed out credit card and some pretty high interest payments or you have a bank loan you need to get rid of. Why not get rid of some of the junk in the basement or that you have in storage? One mans garbage is another mans gold. Everybody has something in their possession that is taking up space that you can sell for a few extra bucks. So have a look around and see what you can muster up. It may seem like a lot of work but most local newspapers have a yard sale kit you can get. They will advertise it and show you have to have a great yard sale. Get rid of that junk and help yourself pay off that extra debt or even put it towards a vacation or help yourself stay out of debt.
