4 tips to cut down

[centsgirl]

1.Create a spreadsheet that documents your daily spending habits.


2.Establish where you could cut back on expenditures such as eating out, movies, spa treatments, name brand items.



3.Examine all the extra services you pay for each month such as cable, internet, home phone line, DVD subscription programs, beauty treatments and gym memberships. Figure out what ones you do not need,and can do without, or find a lower cost company.



4.Take a sack lunch to work and limit the amount of times you dine out per week. Many people are content dining out once on weekends and once during the week.