During tough economic times, it’s easy to feel the pinch when you’re short on cash. Prices seem higher than ever and the paycheck doesn’t seem to cover as much as it once did. It’s during these times that you need to tighten the belt and lower your cost of living. However, tightening the old belt doesn’t necessarily have to mean that you can’t enjoy life. Here are ten easy ways to cut down on your cost of living:
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Too Much Debt? 5 Steps To Pay Off Your Debt
I still remember the first day of class at college.
The professor walks into the classroom and hands you a piece of paper called a syllabus. In that paper is all of the work you will complete over a four month period. However, you automatically begin to feel overwhelmed. How, you ask yourself, am I going to finish all of this?
In my case, I would total up all of the number of pages that needed to be read in a semester. I would then take that number and divide it by the number of days in the semester. Suddenly, reading 15 pages per day seems a lot more manageable than reading four books.
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Sure-Fire Tips To Renegotiating Your Credit Card Debt
There’s a lot to be said for paying your bills on time, but some quick and easy negotiation can actually save you money each month on your credit card account if done properly.
The key is to never take the number on your billing statement for granted, as everything from the fees to the interest rate can usually be lowered with some tact.
However, you cannot expect to simply ask for a lower debt and get it without effort.
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Financial Krav Maga: Personal Finance Self Defense for the Modern Era
In East Asia, you probably know about the ninja and samurai. In Israel, there are soldiers trained in Krav Maga. For those of you who don’t know, Krav Maga is a martial art developed in Israel. It does not have the long tradition of respect, personal growth, and honor that come to mind when you think of Karate, Tae Kwon Do, Jiu Jitsu. It was developed for one purpose, to survive.
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How Can I Improve My Credit Score? 8 Ways to Increase and Raise Your Credit Rating
Maybe you’re sitting at home looking at your credit card statements, realizing that your APR’s [Editor: Annual Percentage Rates] aren’t quite as low as you’d like, or you’ve recently checked your FICO score and notice it’s low.
Perhaps you want to refinance your home, and want to get the best rates possible before looking into loans. Or maybe you have a very low credit score, getting deeper in debt and need to do some real work to improve your credit score.
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