Its called the ‘latte’ effect, and you save money by making better personal choices.

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If banks are not already, as you repair your credit , your existing banks will begin sending you balance transfer offers. These rates are calculated based on your FICO score and credit history.

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Spend less money than you earn. Find ways to make more money

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So exactly how do you get this extra money to pay on that first credit card? This is the hard part

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So exactly how do you get this extra money to pay on that first credit card? This is the hard part. You are going to have to cut something else out of your budget

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Payday loans come handy for people like Jason and Mary. These are loans for the short-term and do not require credit checks

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Appoint your kid as the Chief Financial Officer in your family. Plan the family budget with your kids, including their own pocket money . Appoint one of them to take charge of the budget for groceries , appoint another kid to take charge …

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(I need to clarify that I am still paying our regular monthly bills (like mortgage payment, car note) online deducting from our bank account, but we’re trying to use only cash, no credit cards, for things like groceries , vet bills, gas, …. You will be amazed at how much better you can budget yourself when you limit yourself to cash!!! Cut up the credit cards now. Or do what Clark Howard says, stick them in the freezer in a baggie, and use them for EMERGENCIES only.

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If you want to make your money go further, you need to trim the fat from your budget . Finding free grocery coupons is an easy way to save money each month.

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Budget . If you are in debt stop using your credit cards and pay for everything with cash

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