Bitcoin Trader
If possible, pay a year (or two’s) rent or mortgage ahead of time. If finances become tight then you will at least have a roof over your head. Also, look into cheaper, smaller homes, townhouses or apartments, if necessary.
• If you are a renter, look into rental insurance. If you lose anything due to fire, theft or flood, your items can be replaced.
• If you have not done so yet, cut any unnecessary expenses such as cable/ satellite TV, landline phone service, extra cellphones of any kind and magazine subscriptions. However, if you need any of these services, assess what you need as opposed to what you want and shop for cheaper brands or more economical packages.
• Do not unnecessarily run up electricity/gas/oil and water/sewer costs. You want to show due diligence in how you use your home’s utilities.
• Sell your vehicle(s) if you can. Use public transportation, walk or bicycle to your destinations.
• If you must own a credit card, please own one and only one with a low credit limit (less than $2,000, preferably less than $1,000). Use the credit card for large expenses only such as reserving hotel/motel rooms. Always pay your balances in full and on time every month.
• Use cash (preferred) or debit cards for your grocery shopping, entertainment and clothing purchases. You will know that your items will be paid for in full with no interest (or other bills) accruing. Additionally, buying items in bulk such as toilet paper, paper towels and non-perishable food items will save you money and commute time. When you buy perishable food items, purchase only what you need for the time being or freeze them fo
r future use.
