When I started on my path to fixing my money problems I was so worried about just paying my existing bills that I wasn't thinking about cutting out the non-necessities of my spending. When I finally DID get rid of the things I didn't "have" to have, and started really taking control of our spending, I was able to really see a difference in my bills.
Canceled our satelite TV, which "only" cost about $40 a month. We now rent books, movies, tv shows etc from the library rather than buying from the book store, going to the movies, or renting from a video store or netflix.
Canceled home internet and home phone, saving over $80 a month. If I need internet I can use the library one or work computer.
Overhauled my insurance ... should have done it years ago!
Cut down on our driving a LOT, anywhere not required right away gets combined with at least 2 other stops. No more driving into town to go to the movies or shopping or bowling on the weekend! Stay local!
Stopped shopping at WalMart or other "convenience" stores ... the "impulse" items were KILLING me. I stopped buying snacks, sodas, ice cream etc. I started planting my own vegetables and fruits, raise chickens, butcher deer for meat, etc. On top of being much healthier now, I have our grocery bill at a manageable amount ... I used to spend about $300 a month for food items, now I am less than 1/2 of that.
make my own laundry detergent, bread, etc, a lot more "from scratch" meals .... just think Little House on the Prairie!
Do I resent having to cut out some things? Sure. But do I regret it. NO.
the obvious result has been that I have saved money. But also I now have a closer relationship with my husband (primarily due to not having the TV and internet be involved at all in our home lives), and other than occasional "money stress headaches", my health has never been better.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.