Video Game Rentals Like Redbox
How to Reduce Your Debt in Ten Easy Steps by Jill-30536
It does not take a Master's Degree to figure out how to master your finances. You simply need to become organized and determine which areas need correction. The area of debt will be the one you'll want to address first. Below are ten easy steps to reduce and do away with your debt:
1.Budget - Before you can even start working on any other area of your finances, a budget is critical. Although, it is a very big deal, it doesn't take that much effort to put one together. The difficult part will be exercising self-control. Check to see if your computer software came with money management software. If not, you can simply use Excel or some other simple software to capture your data. You'll want to note all income and all expenses from the first of the month to the end of the month. Note everything, even that latte you get occasionally on the way to work.
2.Pay Off Debt - What's left over at the end of the month from your budget is going to be used to pay off your debt. Organize your credit cards from lowest balance to highest. You're going to take what's left over to pay on the lowest balance first. When this is paid off, work on the next debt. Do this until all your debts are paid off. Then, don't accrue anymore debt!
3.Reduce Expenses - Your first strategy will be to eliminate any expense that you can do without. Scrutinize your expenses carefully. Talk it over with your family. Include them in the discussions and see where everyone can cut out, at least, 20% of your monthly spending.
4.Groceries - You've probably heard this over and over again, but here it is again. Use coupons, especially in stores that will double your coupons. Call around to see which stores will do it. Price matching is another great way to save tons. Gather your weekly store ads. Note items in the sale ads that are on your grocery list. Visit the cheapest store in your area that does price matching and buy your groceries there.
5.Video Purchases/Rentals - If you currently purchase movies, stop it. Or, at least, limit your DVD purchases to one a month. Also, ditch your DirecTV and Dish Network pay-per-view for more economical rentals. Blockbuster and Netflix are great online alternatives. The membership is nominal and you get the same great movies for less delivered to your door. Do you have a Redbox near you? Redbox is an even cheaper way to save on DVD rentals. They cost only $1.00 per day plus tax to rent. That's it. Find out if you have a Redbox near you at Redbox.com.
6.Entertainment - Reduce your entertainment with some clever alternatives. Instead of a big night out to dinner and the movies, plan for an evening in. Do a theme night, like Mexican mariachi night, Chinese cuisine night, or pizza pizzazz night. Name it, so everyone can associate it with a family memory. You can play games afterward or watch a movie you rented from Redbox. Pop the popcorn and watch family memories and your savings grow.
7.Online Memberships - there are many online memberships you can enroll in that can save you money on items you already buy. MyPoints.com is a great way to earn points and buy at a discount items you already purchase.
8.Utilities - This includes electricity, gas and phone. Turn off your lights when you leave a room. Turn down your temperature at night and when you're not home at night. Turn off anything when you're not using or watching - e.g., TV, computer. Replace your incandescent bulbs with energy efficient fluorescent bulbs. You may even want to revisit your home phone service. Are there services you can do without? You may even want to do away with your home phone service altogether, if you have cable. You could use your cell phone as your sole source for calls. There are cell companies with unlimited calling plans for as low as $25 a month. Cricket is a good example.
9.Gasoline - Consolidate your trips. Taking little Sarah to her soccer game? Include a trip to the store on the way home. You may also want to drop off your water payment, too, if it's on the way.
10.Employment - If you find that you have very little at the end of the month after cutting out all the expenses possible, you may want to consider looking for a new job. Yes, the economy is in turmoil. Some, however, have found that it is a cloud with a silver lining. Although, the jobless rate is staggering, there are many opportunities for those who have the qualifications. Post your resume on online job boards. Do a search on the web and it'll turn up more than you'd want to know about. Make sure to refresh your resume daily on these sites. Hiring managers look for newly posted resumes and you'll keep yours in the running if it appears fresh daily.
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Article Source: http://www.earticlesonline.com/Article/How-to-Reduce-Your-Debt-in-Ten-Easy-Steps/578675
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3D Dot Game Heroes $19.99 Save the kingdom in this game that flashes back to the time when 2D pixels ruled the realm. 3D Dot Game Heroes cashes in on classic game nostalgia and retro cool by creating a 3D world out of old-school 2D pixel-style graphics. Once upon a time, the Kingdom of Dotnia was a boxy 2D world, just like those seen in classic 8-bit games. To make the kingdom a better destination, they made everything 3D. Now, their quirky world is in danger. Create a hero and an upgradeable weapon built out of pixels, then set out on an adventure that's part throwback fun and part tribute to gaming's early years. |
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Plants vs Zombies Game Of The Year $9.99 Get ready to soil your plants in an all-new action-strategy game from PopCap! A mob of fun-loving zombies is about to invade your home, and your only defense is an arsenal of 49 zombie-zapping plants. Use peashooters, wall-nuts, cherry bombs and more to slow down, confuse, weaken and mulchify 26 types of zombies before they can reach your front door. Each zombie has its own special skills, so you’ll need to think fast and plant faster to combat them all. But be careful how you use your limited supply of greens and seeds… as you battle the fun-dead, obstacles like a setting sun, creeping fog and a swimming pool add to the challenge. And with five game modes to dig into, the fun never dies!Awesome new bonus content: Make your own zombie with the Zombatar™ and earn 20 achievements! Play five game modes: Adventure, Mini-Games, Puzzle, Survival, plus the stress-free Zen Garden Conquer all 50 levels of Adventure mode — through day, night and fog, in a swimming pool and on the rooftop Battle 26 types of zombies including pole-vaulters, snorkelers and bucket-heads Earn 49 powerful perennials and collect coins to buy a pet snail, power-ups and more Open the Almanac to see all the plants and zombies, plus amusing “factsâ€? and quotes Browse Crazy Dave’s shop for special plants and tools to stem any zombie assault Amazing graphics and soundtrack, plus a bonus music video Infinite replayability: the game is never the same experience twice |
