| One of the biggest mistakes people make that gets | | | | expensive than doing your own cooking. Also, do your |
| them into credit trouble is spending too much money. It | | | | own taxes rather than farming the job out to someone |
| is not hard to do and many people simply refuse to | | | | else. Wash your own car, run your own errands, mow |
| curb their spending habits, but letting your spending get | | | | your own lawn. When you do something yourself, you |
| out of control can cause a lot of trouble and ruin your | | | | spend less. |
| credit. | | | | 4) Watch less television. It sounds strange, but |
| We are surrounded with advertisements that tell us to | | | | television can make you overspend - television |
| buy, buy, buy. When we want to read a book, we buy | | | | contains many professionally-created advertisements |
| it. When we want to go somewhere, we take a cab | | | | pushing us to spend and spend. These ads are so well |
| or drive rather than walking. | | | | done that not spending after watching them is |
| Stopping spending consciously can be hard, but | | | | sometimes very difficult (just what advertisers want!). |
| heading to your local library, walking instead of taking a | | | | Switching off your television can help you avoid |
| car, buying a used computer instead of a new one - all | | | | temptation. |
| can help you spend less and save more. There are | | | | 5) Make do or do without. While you are repairing your |
| several ways you can save money and pay off your | | | | credit, channel all your extra money into paying off |
| debts faster by spending less: | | | | debts and reestablishing good credit. Make so with |
| 1) When you head out, carry a small amount of cash | | | | what you have and avoid shopping as much as |
| with you and leave your credit cards at home. That | | | | possible. |
| way, you will not be able to overspend. | | | | 6) Buy discount or used. Whether it is furniture or |
| 2) Stop catalogs from arriving at your house or discard | | | | shoes, you can save money by refusing to pay retail |
| them unread - advertisements and catalogues | | | | price. |
| encourage you to spend and buy when you don't | | | | Saving your money by spending less can let you pay |
| need to. | | | | off your debts faster, something that can improve |
| 3) Do it yourself. Eat in rather than dining out. Dining at | | | | your credit score dramatically. |
| restaurants or getting food delivered is always more | | | | |