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Getting out of Debt after Christmas Spending
Are you like a lot of people that spent too much money for Christmas and now are wondering how you’re going to make ends meet, just to pay for Christmas spending? Here’s some help.
First, there’s no sense in beating yourself up over what’s done. Just try to do better next Christmas and don’t spend what you don’t have.
Now let’s get down to work. You spent money that you couldn’t afford to spend and now you’re going to have to make some adjustments to meet your financial obligations. Depending on your personal situation, you may need to make anywhere from tiny changes to some drastic changes, and fast.
First off – it makes sense to first stop spending money. If you don’t need it, don’t get it. If you can do without it, leave it. Stop the money flow that’s going out unless it’s something you need – like medicine or food (not eating out food, but food as in you cook it). The more immediate changes to money going out is your eating habits and going places habits. Cook and eat at home, don’t go out partying and spending, etc.
Next, turn off or cut back on anything and everything that you can. This means changes the $150 a month cable or Dish TV to the bare minimum, or ask if it can be put on hold, meaning no bill. Take a lower cell phone plan out, or turn off what you can. Trust me when I say that the kids do NOT need their cell phones and you don’t need a $400 a month cell phone bill. Cut the kids’ allowance to half, or less.
If you’re in the habit of going out all the time, eating out all the time, etc., you CAN do without all that. Imagine how much money you will save that you can put to the bills and get out of debt after all that Christmas spending!
With the price of gas per gallon, not going when it’s not necessary will save you a lot of money. Not eating out will save a lot also. When shopping for groceries, buy foods that you actually have to cook, not premade or ready to eat. Cooking meals will save you a lot of money. Sure it takes more time, but the savings are worth it!
For even further savings, you can go into drastic frugal living mode. Believe me when I say that people have, can, and do live quite well practicing frugal living. Of course if you’re accustomed to spending a lot of money on frivelous things, then the change to frugal living might be a bit of a shock to you (and the rest of the family) but you’ll make it just fine.
Reuse and make do with what you have, rather than spending on things. You can improvise on a lot of things. Reuse zipper freezer bags by washing them and letting them dry. Wash and reuse heavy duty foil. Turn the central air and heat so that it doesn’t run as much. Don’t run the dryer as much. Turn the hot water heater to a lower setting. Wash dishes by hand and don’t run the dishwasher as often. Groom the dogs yourself instead of paying a dog groomer to do it. Switch out babysitting by bartering with a friend or neighbor instead of paying for it.
There’s a lot of ways to immediately save money and a lot of long term ways to save money. Depending on your particular needs and spending habits, you can make changes and get out of debt. But you’ve got to want to do this and be commited to making it work!
Sit down and make a list of everything that you can either do without (at least until you’re caught up on the bills) and everything that you can either turn off or put on hold. Then write the approximate amount that you’ll save on each of these things, and make a total. Some of the savings will be immediate, some won’t be noticed until the following month.
Take the money you’re saving and pay towards the Christmas debts you made. Do this as soon as you have the funds, not later. If you wait, you’ll be tempted to spend as usual and you won’t get out of debt from your Christmas spending.
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What to do if You Need Cash NOW
Times are tough for a lot of people. Even people with jobs are finding it difficult to just get by – to pay the bills and put food on the table. Perhaps an unexpected illness or accident depleted your savings. Maybe you need cash now for something important but you don’t get paid until next week. Maybe your credit isn’t the best and you can’t get a small loan.
There’s help for situations such as these.
If you find yourself in a situation where you absolutely need cash now and you simply have no other options, then I highly suggest trying the method shown below. You’ll usually be able to quickly get the cash you need for your financial emergency, without having to wait.
To be clear: Those that know me know that I do not advocate using what’s known as payday loans because the repayment interest is usually higher than what you’d pay with a regular bank type loan or if you used a credit card. But if you are in need of cash NOW and you can’t get a loan and you can’t use a credit card, then by all means use this method if you have no other options open to you. Simply try to pay it back as quickly as possible. Sometimes a person is only needing cash but they don’t get paid until a week later, etc.
The following method for borrowing cash is simple and short – so if you need cash NOW, fill it out and you should know sometihng very quickly. Good luck!
Borrow Cash and Have Ample Time to Pay it Back
– Get up to $2,500 to use in any manner you like
– Great repayment terms
– Bankruptcy and poor credit OK
– Fast, secure, and confidential
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How to do a Personal Financial Checkup
To be frugal, you need to know where your money is going. In every area of your life, it’s important to submit yourself to a checkup to find out how you’re doing. That way, you can make course corrections and ensure that you’re remaining on the path to the success you were born to experience.
This is especially true about your finances. Your fiscal health affects your overall sense of well-being, self-confidence, and happiness more than anything else. Once or twice a year, it’s important to evaluate where you are financially, where you’re going, and how best to get there.
Follow these tips to perform a personal financial checkup to help you be frugal:
1. Identify where you are. If you don’t have a family or personal budget, now’s the time to create one. Simply list your income and monthly expenses. Any time you spend money, write it down. Simply being aware of your spending habits and the amount of money you have available will cause you to make more sound financial decisions.
* If you already have a family budget, now’s the time to make sure that all of your expenses are listed in the budget and funded accurately. An updated budget is your roadmap for your journey into the next few months.
* The more clearly you see your current financial status, the more motivated you’ll be to make the changes you need to reach your goals.
2. Identify where you want to go. If you’ve already established financial goals, evaluate whether those goals still make sense in light of your current situation. Think about what’s most important to you, and match your financial budget and goals to those values. Include a fun purchase or vacation to keep you motivated.
3. Review your insurance coverage. As the circumstances of your life change, your needs for protection may change as well. Look over your homeowners insurance, health insurance, and life insurance and make sure your coverage meets your current needs. Also consider disability insurance, especially if you provide income that your household counts on.
4. Create or bolster your emergency fund. The backbone of any financial plan that truly provides comfort is a fund that can pay for unexpected expenses. If the car or air conditioner breaks down, your emergency fund makes sure that all the financial claims you made above stay intact.
* While other families struggle to make ends meet, falling behind at the first unexpected expense, you can enjoy the peace of mind that comes from knowing that you’re covered no matter what goes wrong. This can only come from a well-funded emergency fund.
5. Establish or update your will. While the end of life is an uncomfortable subject for many, it’s important to have your affairs in order for those you may leave behind if something should ever happen to you.
6. Evaluate your investments. How’s your investment portfolio performing? Are you investing in the right vehicles to match your retirement, college savings and other goals? You may want to seek the advice of a financial advisor if you’re unfamiliar with this area of your financial picture.
7. Adjust your tax withholding, if necessary. Many people provide the federal government with an interest-free loan every year. At the end of the year, you should be close to breaking even. Instead of receiving a large refund, adjust your deductions and use a savings or money market account to make interest off the difference.
8. Think about upcoming life changes. Do you anticipate anything big happening in the near future? Is your car getting old? Are there any medical expenses for a surgery or pregnancy that’s coming up? To complete your checkup, think through upcoming expenses that are outside your normal budget and plan ahead.
Once you’ve set yourself up for financial success by reviewing these areas of your family’s plan, repeat this personal financial checkup once or twice a year. The keys to be frugal are awareness, determination to succeed, and the ability to dream big dreams. Your personal financial checkup is the roadmap that’ll keep you on track.
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Household Budget Planning – Better Budgeting
Learning household budget planning techniques for better budgeting mainly means staying as debt free as you can. There will always be some debt but keeping it to a minimum is the key to a healthy financial future. You can’t just go to the money tree out back and pluck off a couple of extra hundred dollar bills whenever you need it, so you have to learn to live within your means and practice better budgeting.
Most people struggle with being able to stay within their means because of the credit card companies. The credit card companies want you to use your cards and stay deep in debt. By not giving in to this and not living beyond your means you can and will achieve the financial freedom you have always wanted.
Household budget planning is the key to better budgeting. Writing it all down or entering all your info into a computer software program is important but really is the easy part. The hard part is stopping all unnecessary spending and learning to retrain yourself for the good of you and your family.
You need to sit down with your spouse and figure out what is needed for your day to day household operation and where cuts can be made. Things like making your own coffee in the morning instead of stopping off at the big coffee house chains that charge you an arm and a leg for a cup of coffee. You can make coffee at home and save a lot of money.
Your and your spouse should decide together what is most important and what is not. Eating out at lunch is another way that can cost a lot of money. Between the coffee and the lunches you could probably save at least $75 a week. Put that in a savings account or even just a jar on the dresser to see how quickly it adds up.
It is time to make some tough decisions and then stick by those decisions. What is really important here is getting out of debt and being financially free. That is your bottom line.
If you must have a cell phone, shop around for a cheaper plan. Cut out the unncecessary fluff and pay only for what you really need and actually use. Do not fall for all the hype about the new one coming out!
If you have a lot of debt, then the money you save from unnecessary spending can go to reducing that debt. If you do not have a lot of debt then it can go into a savings account to save for investing or retirement, or that once in a lifetime vacation you have always wanted to plan.
Stick to your better budgeting plan. It will be difficult at first but the more you do it the better off you will be and the easier it will get. Do not forget to treat yourself every once in a while, you deserve it. Just do not go overboard and get yourself into trouble again. Your diligence will pay off and you will understand how important household budget planning is.
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