If you are trying to become financially free, here are a few practical things you can start doing now to eliminate and manage debt. Of course, we all have certain bills that we cannot change. Utility payments, food bills, insurances, etc. are not going to go away. However, look over each of your bills and determine if any of them can be reduced through "comparison shopping".
Look to lower insurance premiums by comparison shopping. Look at what your insurance coverage costs are and start to check with various company's and compare. You may be surprised to find you can simply reduce your premiums by changing company's, increasing deductibles, etc. Be wise, think it through and see what makes sense for you and your household. A lot of money goes monthly to insurances, auto, home, health, etc. It is worth the time and effort to compare.
Look at other monthly bills such as TV, internet, cell phone and see if your are paying for services that you actually don't use. See if you can change your plans accordingly and reduce monthly costs. You might even call these company's and see if they are offering any discounts to loyal customers.
As far as energy savings, seek to be more efficient with your electric, ac and heating. Raise your temps on your ac a few degrees and lower your temps in colder weather to see a significant savings. You can invest in a programmable thermostat to adjust usage to your lifestyle.
When buying new appliances, look for energy efficiency ratings and purchase those that will be most efficient to operate. Look for higher SEER ratings on AC systems etc.
Set up a automatic saving fund that will deposit directly into an account to start a savings. Try to start building a nest egg to be used only in an emergency situations. (no, a coffee at Starbucks is not an emergency).
If you take sometime, I'm sure you will come up with many things you can change that will add up over the course of a year. Remember, just saving a dollar a day translates into $365.00 a year. Little things matter and add up quickly.
You can become financially free and enjoy the satisfaction of not being in debt.
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Author:Exit Blogger Dated: September 16th 2016 Views: 212 About Exit: ...
EXIT First Realty, a full service residential real estate brokerage serving the Greater Washington DC Metropolitan Region, currently employs over 50 licensed Real Estate agents. Our agents come from diverse backgrounds but all are dedicated to providing the highest quality service to our clients. EXIT First Realty is a multilingual facility with representation from five countries and four different languages and its leadership team brings over 60 years of full-time real estate experience.
Our office is fully equipped with an integrated network of computer and communication systems. We have instant access to the regional Multiple Listing Service, Public Record Searches, and many other tools and services that our agents use to better serve you.r />
In addition to our agents and brokers, we also have administrative staff members that work tirelessly to accommodate any and all of your needs. They help coordinate meetings, set schedules, and ensure the timely processing and delivery of all your documents.
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" We want to thank you for all of your hard work in helping us find a house that we can make a home. Your patience and understanding in handling all of the details made the entire process a lot easier. We also appreciate how Lilly listened to our concerns or anything that came up and communicated them to you, and you resolved the issues. It was a comfort for Cassy and I knowing that you were on the job and would take care of everything. We will highly recommend you to everyone who is in the market to buy or sell. Thank you for all your help!