Money-smart: Save money to pay back your loans by bill consolidation
It is not long ago that the country had to face the grim consequences of piling up on consumer debt. This made the people to seriously re-consider their spending behavior and take to various ways to cut down on their monthly expenses. In due course of time, these people found themselves above water.
Here are some ways to cut down on your own monthly household costs as well so that you too could get rid of your debts as soon as possible.
A. Get your own cleaners
It is meaningless to pay those extra dollars for household cleaners. For years, many shoppers have used and combined their coupons to buy everything they need at very, very affordable rates.
So, you too could do the same and pay for your laundry detergent not more than ten cents per load. Recently, going green with whatever you do has become a fad. In this case, you can use eco-friendly cleaning products to hop onto the green bandwagon.
Say for example, you could purchase an enormous bottle of vinegar from Costco at about $3. It can be used to clean the windows, countertops and different other surfaces. As a result, you’d end up spending pennies for all sorts of cleaning chores.
B. Minimize your soap use
Some dishwasher manufacturers and repair specialists say that a lot of “detergent cups” found in automatic dishwashers can contain more soap than what your requirements are. As a matter of fact, they advise people like you to avoid filling up the prewash cup. Instead, they want you to fill the wash cup halfway full.
If you look around, then you’d probably find that a lot of your neighbors are using this technique to save around 75 percent on their dishwashing detergent costs.
C. Make use of used household items
If you love IKEA with the all the best that they’ve got, then you may buy from them at a fairly reasonable price. However, you may also try out things available at Craigslist. Moreover, if you’re lucky enough, then you may chance upon some brand new IKEA pieces to match the ones that you have at present. You could find great deals there too.
D. Take advantage of coupons
In case, you have to get repairs and other maintenance works done on a regular basis, then you may create a list of things that require regular care and stay on the lookout for coupons as well as discounts.
Additionally, if there are a number of things that demand yearly maintenance, then those should figure out at the top of your list. Basically, to be able to rescue yourself from the vicious clutches of debt, you need to change your spending behavior.
After you’ve mastered the art of saving money, only then you can think of bill consolidation as one of the ways to have your debts wiped out from your portfolio. Before that you need to know how it works.
By having your bills consolidated, you’ll be able to save a handsome amount of money. This is because in this debt relief process, you’ll be converting your multiple financial obligations into one. As a result, you’ll have lesser number of monthly payments and so, fewer deadlines to keep in mind.
Bill consolidation can also be done to accumulate various service provider bills like Internet, television and cell phones into a single monthly payment.