Money Spruce

While sure, you can start doing an opinion outpost or few to start making some extra money, but a good place to start is reducing the expenses that you already have.  From getting rid of your cable bill, to avoiding going out to eat, to even just cutting out impulse purchases that you don’t need, you can free up extra money that you can put towards better use, such as paying down debt, building up an emergency fund, or better yet, saving for retirement.  I understand there are certain purchases that we do need to make, and that’s where we …

While you could look to an opinion outpost to give you all of the answers, the truth it it’s up to you to make your own financial decisions and in order to free up extra money each month so that you can build an emergency fund to give you a cushion in case of unexpected expenses, not to mention fund your retirement account so you are prepared when you do finally decide to walk away from work, you need to reduce monthly expenses right now.

Get Rid of Cable

This may be a tough one to swallow, but think about …

One can argue that you should use a credit card for all purchases you make in a given month, but if you are afraid to totally rely on a credit card I don’t blame you, after all, it takes discipline to keep the balance down enough so that you can pay it off entirely by the statement due date, otherwise interest starts to incur.  If you want to try out baby steps and just use for Christmas shopping only, then you can start to see why using credit cards actually make plenty of financial sense.

Better Fraud Protection

When you …