Kill Bills

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Bills are like warts. They pop up when least expected, they’re ugly and annoying and seem to stick around forever. This article suggests various ideas to help eliminate those extra bills from cluttering your finances.

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Get Rid of Some “Extras”

The key to financial freedom is building wealth. The key to building wealth is eliminating all your extra bills so you have money to save. The average consumer’s credit report carries quite a burden from these bills as well. Let’s start with what hurts the most. Eliminate any habits you currently have. Most habits cost money and if it’s a habit it can’t be healthy for you in the long run anyway. Smoking, drinking, candy, coffee, collecting junk, etc. You will be surprised how much cash you pocket if you just quit 1 or 2 of the above (if any apply of course). By giving up a habit you are not only saving money and maybe even your health, but you are also gaining self-discipline helping you mature financially.

Food: Dine In or Carry Out

Let’s look at the two separately AND together. If you eat out once a week, even at $25 you are spending $100 a month. Pretty simple math. Let’s say you get carry-out (drive-thru) 3 times a week at $5 per visit. This equals $60 a month. These figures are below average, but even so, this is $160 in 1 month that could be used to eliminate some smelly debt. Pack a lunch for work. Try cooking at home. It’s a fraction of the cost, it tastes better than “fast food” and it is usually healthier. If you can’t eliminate eating out then try cutting it in half for starters.

Grocery List (or lack thereof)

Many consumers head to the grocery store with no plan or list. BIG mistake. This is what grocery stores are designed for. Go ahead, walk down each aisle and tempt yourself with row after row, shelf after shelf of junk food, extra stuff that you don’t need. A list could save you 50% alone – that much more to wipe out those irritating loan payments. A grocery list serves two purposes. It saves you quite a bit of money which you notice immediately. Secondly, it allows you to be more prepared for the upcoming week, month or however often you shop. You can make out a daily meal plan ahead of time so you know exactly what you need to purchase and approximately how much cash you will need.

Sell Some Stuff

Everyone has stuff lying around collecting dust. Remember the saying “One man’s trash is another man’s treasure.”? You could probably knock out a couple of stagnate bills with some of those collectibles sitting in a box in the closet. You would be surprised to know that an object you have absolutely no interest in could sell on an auction site and pay off that hospital bill that’s been chasing you around like a mad hornet.

Cash, Cash, Cash

Only buy with cash. Plastic looks the same when you spend it. Dollar bills disappear and you will feel the impact when you start to get a shortage of it. Start a cash envelope system – at least one for gas, food and clothing. Like any new system, it will take a few times before you get the right amount in the envelopes. You will start to notice a large impact on your budget though and will find it worth while. If you buy something with cash you don’t owe on it. You might think a little longer about it too when you hold on to that $100 bill. If you apply the various techniques and ideas in this article you will start to knock chunks off your overall debt. This will get you closer to achieving financial freedom and your credit report will begin the long awaited healing process. Start today!

To read more about how you can get your online credit report free with no obligations, see what is on your file and clean up your credit report go to http://www.cleancreditonline.com

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Why Cash Bucket Pawn is Superior to Online Shopping – Save Time and Money

These days, it seems like you can get almost everything via computer. You can order food from the grocery store, choose clothing for your kids, pick out a new computer and fill up your empty bookshelves, all without leaving the comfort of your own home. Some people even spend days stalking auction sites, bidding on items and hoping to win something at a low price. The experts at Cash Bucket Pawn think it’s time for some of these shoppers to shut their computers down and come in to the pawnshop. They say that there’s something truly wonderful about shopping at a pawnshop that simply cannot be replicated by online shopping.

When you’re shopping with an online merchant, you often don’t have a helper looking for items you’ll like. The opposite is true when you shop at Cash Bucket Pawn. The store is clean and bright, staffed with cheerful and friendly people who know the inventory inside and out and who are eager to help shoppers find just the right item. If you tell the staff you’re looking for solid-gold charms for your bracelet, for example, the staff could narrow your search by asking what sort of charms you like and what sort of charms you’re looking for. The staff could ask how big you like the charms to be, and whether or not you’d accept charms with gemstones or other accents. The staff could then find a selection of charms just like the ones you’ve described, and tell you the benefits and drawbacks of each item. This sort of personalized attention is nearly impossible to get in the online world.

Cash Bucket Pawn also sells items at incredibly low prices. Some online merchants charge you full retail prices, and then you must pay shipping and handling charges. At Cash Bucket Pawn, you’re often buying gently used items, so they’re not priced anywhere near full retail value. And since you’re taking the item home yourself, there’s no need to pay shipping and handling. You can also take the item home right away, instead of waiting for it to arrive via mail or some other delivery service. It’s almost instant gratification.

So put down your mouse, close down your computer and drive over to Cash Bucket Pawn at 2334 N. Scottsdale Road in Scottsdale, Arizona. The store is open from 9am to 6pm, Monday through Saturday. You’ll be glad you did.

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