Published on April 30, 2013
Managing Your Money inDifficult TimesPresenter:Nigel D. St.HillLife and Money Management Coach(246) 228-1155www.moneyandabundance.com
The creative ways of our parents and grandparents. We can’t go back.
Be willing to make changes. Get clear about your income, expenses, debtand true needs. Take consistent sustainable action. You must gain control over your money, or thelack of it will forever control you.
You the shopper must recognize that you havethe power of choice. Buy items you use everyday-soap, toothpaste,toilet tissues-in bulk or large sizes. Stock upwhen they’re on sale. Make use of your BARP /AARP cards. Seebenefits and discounts directory.
Beware of the subtleties. Credit offers frominstitutions. Why do you want or think you need this item?Could you live without it? Purchasing decisions made slowly areinvariably better decisions.
There are always pressures on us to buy things. This leads to purchasing things you don’t reallyneed and buying without comparing values andprices. Know the difference between your wants andyour needs.
Don’t miss a payment deadline. If you pay as you go, you avoid interestcharges on your purchases altogether. If you’re squeezed for cash, it is better to paya little rather than nothing at all.
Don’t run up bills you can’t pay in full at theend of the month. Pay credit card bills on time to avoid late fees. If you feel you are not discipline enough tocarry out the above tips on your own, tellfriends what you are doing to gain support.
Auctions are great places to get good buys,once you don’t get caught up and bid toomuch. Garage sales, flea markets, classified ads. Learn from your mistakes.
Turn off the lights when you are not in theroom. Decide what you want before going into therefrigerator. Always turn the iron off during interruptions.
Turn off the shower when soaping. Soap all dishes one time and then rinse. When washing the dishes, don’t leave thewater running. Fix all dripping taps.
Toilet: Put a brick in the tank so that less fillsup the cistern. Or put some sand inside two plastic bottles toweigh them down. Fill the bottles with water, screw the lids on,and put them in your toilet.
Make extra and freeze for later use. Boil only as much water as you need. Cook vegetables in just enough water to coverthem. Petrol- plan your trips.
You must become discipline. Know the difference between a “top up” and aplan. Use the cell phone only when necessary.
Always shop with a list. Buy only what is on that list. Buy only what you need.
Item C Mkt$lbSup Mkt$lbSup Mkt$lbCucumbers .50 1.35 1.07Cabbage 3.00 4.35 4.25S/peppers 5.00 6.61 5.39Carrots 3.50 4.19 4.67Yams 2.00 3.17 2.13
Store fresh herbs (washed and sealed in plasticbags) in your freezer. Theyll stay fresh for amonth and defrost instantly when you want touse them for cooking. Spread butter on the cut side of hard cheesesto keep them from drying out in the fridge. Store your butter in the freezer; it will keepfresh for up to six months.
We have forgotten how to delay pleasure. We are not contented to have just a DVDplayer or a TV. We have stressed ourselves over ourpurchases.
Develop a power over purchases, instead ofallowing your purchases to have power overyou. “Do you want a drink with yourfries, sir/mam?” Nothing down, nothing a month.
Learn to negotiate everything. Have the nerve to ask for discounts. Understand and use “walk away power.”
A budget is a money plan. Knowing whereyou are. It tells you if you are living within yourmeans. It helps your family focus on common goals.
Presenter:Nigel D. St.HillLife and Money Management Coach228-1155www.moneyandabundance.comCopyright© 2009 Nigel D. St.Hill All rights reserved.
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