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Summer is a wonderful time of the year! Warm weather, school is out and vacations are ready to begin. However, it also means a big increase in your utility bills if you aren’t careful. This can hinder your debt management … Read More »
Summer is rapidly approaching! Grab your favorite ice-filled pitcher and pour yourself a glass of sweet iced tea. Since today is National Iced Tea Day, we’ll discuss what’s better: brand name or generic brand of iced tea. Your decision to … Read More »
June 3rd is Repeat Day! Today is a day to repeat something you enjoy doing. In the spirit of this obscure holiday, we came up with five financial habits to repeat each day. These habits will save you money that can be used to pay off debt and add other benefits to your life!
These are effective financial habits to repeat each day.
Depending on where you go, eating takeout or delivery from a restaurant at work will vary in price. In 2015, Americans averaged $53.00 a week for lunch, totaling $2,746.00. Comparatively, it only costs $6.30 to prepare lunch at home. With this change, you will save close to $3,000.00, which can be put towards rent, credit cards or a vacation fund. If you can afford to buy lunch, it’s still a good idea to compare prices and coupon for meals too. Any way to save is great for your budget.
Turning off lights before you leave is great for the environment and happens to be good for your wallet too! Some bulbs cost more than others too. For example, if you use a 60-watt incandescent bulb (regular light bulb), it consumes electricity at a rate of 0.06 kilowatts per hour. After 1,000 hours, it would have consumed a full 60 kWh, and at $0.11 per kWh. This means you’re paying $6.60 an hour. Compare that to an 12W LED light, which lasts for 25,000 hours and costs $1.00 an hour. Repeating this habit will save you money, and the planet too!
This habit is not just a health tip, but one that saves money. When a person drinks more water before eating, they stay fuller longer. Like the last habit, using a refillable bottle saves you from having to buy bottled water, as well as juice, tea or soda. Would you rather pay $2 for a bottled water or drink tap water for free?
While it is always a good habit to get some exercise or make new friends, it is a bad habit to pay an excessive amount of money for those. Sixty-seven percent of people with a gym membership never go, and the average membership costs $60.00 a month. This adds up to around $800.00 a year. There are plenty of apps that allow you to do exercises from your own home, using nothing more than your body weight. If you would like more equipment to use that you don’t have, try a gym that offers a pay as you go method.
Easier said than done, we know! But it’s becoming an increasing problem. Total credit card debt stands at $1.04 TRILLION, and the average American has $5,331.00 in debt. If they are needed for an emergency, stick with one and keep it locked away. The less you have it on your person, the less likely you are to use it. Don’t forget that when you do have credit cards and don’t pay the balance, you are charged interest, with the average rate now at 16.46%.
These are only a few of the many financial habits you can repeat each day. Adopting them will help you realize the power that comes with a change of habit. We often think we must have a larger income or win the lottery to have more money. With these financial habits to repeat each day, achieving your goals becomes attainable.
If you still struggle to pay off debt, ACCC can help. Sign up for a free credit counseling session today!
American Consumer Credit Counseling’s poll in the month of April, which was National Financial Literacy Month, focused on understanding consumers’ money awareness or financial IQ. The results are in. More than 70% of the respondents polled have a budget that … Read More »
Ensuring that you’re practicing proper personal financial management is a never-ending task. Whether you need to stay on track with your debt management program, save for a major purchase, or need to grow your retirement fund, there are small adjustments you … Read More »
There are many different financial tasks that consumers juggle on a daily, weekly, and monthly basis. One that often gets pushed to the back burner is retirement savings. It’s very common to focus on immediate issues in lieu of put … Read More »
There are a number of hidden financial dangers in this high-tech world in which we live. One of the most damaging money hazards is for your credit or debit card information to fall into the wrong hands. Our credit counseling … Read More »
When you’re pursuing debt management solutions or working to resolve credit problems, it’s often suggested that you close credit card accounts. This is smart in some cases, but keeping your oldest accounts open is actually more beneficial. Here’s why! Older … Read More »
As February comes to a close, we’re at a point where many of us start to lose momentum on our yearly attempts to change for the better. Are your New Year’s resolutions or yearly personal finance goals still on track? … Read More »
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