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2. Determining Where You Want to Go  > #14. What are some of the steps I can ta...

#14. What are some of the steps I can take to .reduce my expenses?

For most people, cutting expenses is a lot easier than raising their income to get out of debt. Name any expense that you have and there is probably a way to reduce it. The following lists will help you get started on expense areas to consider.

Housing and utilities

Opt for higher deductibles on your homeowners or renters insurance.

Turn your thermostat down in the winter and up in the summer.

Drop premium channels from your television and telephone service.

Transportation

Increase the deductibles on your auto insurance policy.

Start carpooling to work and use public transportation.

Food

Pack a lunch to work and eliminate eating out at fast-food restaurants.

Use weekly grocery store circulars to see what’s on sale and plan your meals accordingly.


  

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