Budget101 Discussion List Archives Budget101 Discussion List new to this group….and searching for answers :o )

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      These are very good ideas for cutting down non-essentials. It seems the friends of mine that have the hardest time to get out of debt have a large amount of these types of extras.

      .
      Original Message —-
      From: Feline
      To: Budget101_@yahoogroups.com
      Sent: Wednesday, March 26, 2008 12:28:15 AM
      Subject: Re: Budget101.com : new to this group….and searching for answers 😮 )

      Hi there!

      Also,think about all those hidden extras that masquerade as needs.

      Cable tv
      cable internet (community dial-up internetis free or nearly free)
      magazine subscriptions
      online subscriptions
      newpaper delivery
      gym memberships
      cellphone / really fancy cellphones or blackberries
      All those extras that go on the cellphone like ringtones, games and other downloads.
      High end personal care itemsinstead of thestore brand equivalent.
      Hobbies that you don’t actually do or enjoy but still collect stuff for.

      Here’s another small biggy….the stuff you buy to service or accessorize the stuff you already have….i.e Cellphone accessories like ear pieces and holders),
      fee-based songs downloaded to your i-pod or mp3 player, Drycleaning bills for the new, dryclean only clothes you buy, special expensive batteries for your digital camera, the photo-printer for your digital photos, high-cost ink for your low-cost printer, all that software for your computer, new furniture to hold your extra stuff, paid off-site storage for the stuff you don’t use yetdon’t want to get rid of.

      Acar….this is the biggest money drain for most people. If your car does not earn it’s keep,if itdoes not earn you money but is costing you money every month. Get rid of it and buy a bus pass.Sell it and use the money to pay down debt.

      A car can earn/save you money if: You get paid to have advertising painted on
      it.
      You get paid to rent it out to the film industry
      (good forunique, vintage or really high-end
      vehicles)
      You use your car as part of your business
      and can write of some of the expense it
      generates.
      You become part of car pool and get people to
      chip in on the gas money.

      It’s going to be tough to give up some of these things at first, however, remind yourself that this is only for a short amount of time. Money won’t be tight forever, you can do this!

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Budget101 Discussion List Archives Budget101 Discussion List new to this group….and searching for answers :o )