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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.

When you are ready to relocate, please don't hesitate to contact EXIT First Realty.  Our agents are highly trained professionals and will provide you with superior service and help you whether buying, selling or renting.  We are here to serve your needs.

Bowie MD Real Estate - Listings for sale and Real Estate Services in Bowie Maryland and surrounding areas. You now have free access to Bowie, MD, Ultimate Real Estate Search Engine. Google or call us today.  EXIT First Realty  301-352-8100

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Dated: September 16th 2016
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