If you're having a problem with debt it's probably due to your spending habits. This presentation reveals nine can't miss strategies for dramatically cutting spending. This includes suggestions for learning how to negotiate, ways to reduce your fuel costs and why it might make sense for you to downgrade your insurance.

1. Helpful Financial Information from National Debt Relief …
Nine Can’t Miss
Strategies For Cutting
Spending Dramatically
Unless you're part of that lucky 1%,
you probably get in trouble with
your spending periodically. Or
maybe it's because you've lost your
job or there's just some other reason
why money is very tight. Whatever
the reason, if you find that you have
to drastically reduce your spending,
here are nine strategies that could
help …(Continued)
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2. Helpful Financial Information from National Debt Relief …
If you implement all or most of these and your income stays constant, you
shouldn't have to think much about your finances going forward.
1. Cut discretionary spending
The first and maybe most important strategy is to review your budget. There are
undoubtedly places where you could cut back. For example, could you reduce the
number of cable channels you get? Could you eat out less? Do you need to buy as
many snacks from those vending machines at work? This may sound simple but
these kinds of expenses can add up to a lot. The website LivingSocial did a survey
of 4000 Americans and discovered that the average family goes to restaurants or
fast food places 4.8 times a week. Another survey of 1005 adults discovered that
American consumers were having lunch at restaurants at an average of almost
twice a week and spent about $10 every time. Whichever might be true for you, if
you put a halt to eating out this could save you nearly $100 a month or maybe
even more.
2. Negotiate
You say you don’t want to eliminate your cell phone or cable services? Then you
should at least be able to talk your way to a better price, particularly if you can
convince that provider that you are thinking of dropping your service. The secret
here is to tell your provider's customer service representative that you’re thinking
of going to a competitor. He or she will probably send you on to a customer
retention specialist and this person is almost certain to offer you some
concessions. Here's a short video with some good tips for negotiating with credit
card companies to get your interest rates reduced.
3. Plan ahead
One of the reasons that many of us overspend is because we fail to think about
what will be happening during the next week. We might have no idea as to what
to cook for dinner so grab fast food at the last minute. Or maybe we forgot about
a wedding or birthday party and have to rush out at the last minute to get a gift
and we spend a lot more than we had thought we would. Planning meals in
advance and using coupons will definitely reduce your grocery costs.
4. Reduce your fuel costs
Gassing up our vehicles can take a big chunk out of just about anybody's budget.
As an example of this, my wife filled up her car yesterday and it cost nearly $50.
If you go to a site such as Gasbuddy.com or Gaspricewatch.com you will find the
least expensive gas in your area. Also, if you stop to think about it you could
combine errands, use public transportation, drive less or use a bicycle. The
California Energy Commission once calculated that if you are a commuter you

3. Helpful Financial Information from National Debt Relief …
could save about 30% on your gas expenses if you carpool in place of driving to
work. Given the fact that the average household spent $2912 on gas in 2012, a
30% savings would translate into $70 a month or more.
5. Downgrade your insurance
It could pay to contact your insurance sales representative for a review of your
coverage, as you might be eligible for a downgrade. As an example of this if your
car is getting old and especially if it’s paid for you might be wasting money by
paying for both collision and comprehensive insurance. The collision insurance
covers your car in the event you're in an accident. On the other hand, liability
insurance is if you damage another car and comprehensive insurance is to get
your car repaired if it's damaged in some way besides an accident. What's typical
is that you buy comprehensive and collision insurance as a package. But it’s not a
necessity. If your car is older and hasn't kept anything close to its original value,
you might want to redo your policy. You should also go online to a site such as
Esurance.com and do some comparison shopping. Automobile insurance is just
as competitive as the car business and it's likely that you will be able to get the
same or even better coverage for less by switching to a different insurer.
6. Lose one of your vices
You've probably read that cliché about not getting that drive-through coffee every
day. But your vice might be something different. For example, according to
Survey Analytics the typical consumer pays more than $1200 a year buying beer.
Also, the American Lung Association says that the average price of a pack of
cigarettes is now $5.51. If you smoke a pack a day, you would save $167 in a
single month if you gave up smoking. And you'd save a little more than $2000
over the course of a year. Do you gamble? You should be able to cut back on that.
Or you might have a fairly innocent habit like soft drinks where you could drink
fewer cans and save money.
7. Pay down your debt
You might not be saving money due to your debt. We've seen reports that the
average household carries $7123 just in credit card debts. If this is you and if you
were to pay off that debt without incurring more debt a few months later, you'll
ultimately save money. Here's an example of this. If you owe $500 in debt at 10%

4. Helpful Financial Information from National Debt Relief …
interest on a credit card, you'll run up $50 in interest -- assuming you don't pay
off your balance -- and then the next month you will owe $550. Do nothing and
next month and you’ll owe $605. What this boils down to is that if you eliminate
debt – especially the kind that accumulates interest quickly – you will have a lot
more money left over to save.
8. Get organized
If your finances are kind of chaotic you could get them better organized. We’re
not talking budgeting here. It's just things as simple as determining when your
bills need to be paid. If you stay on top of your finances, you should start saving
money pretty quickly. For example, you pay a late fee anytime you have a late
credit card payment.
This might be just because you accidentally threw away the credit card statement
and couldn’t remember your due date.
When you have a late fee, you get a negative mark on your credit report, your
credit score will likely go down and lenders will see you as a greater risk. In fact,
some credit score experts say that just one late payment could drop your score by
as many as 40 points.
9. Review those auto-pay subscriptions
Also make sure you review your subscriptions – particularly those that are on
automatic pay. Do you have a gym membership that's on auto pay but you haven't
seen the gym in four months? You need to eliminate that subscription. Do you
pick up fast food habitually because you feel that you're too tired to cook? Or do
you buy snacks out of vending machines at your workplace, which are costing you
twice as much as if you bought them with you from home? All these could easily
be more than $100 a month or more than $1000 a year. And that's serious money.

5. Helpful Financial Information from National Debt Relief …
Does this sound familiar?
• You are tired of worrying about money…
• You are losing sleep due to mounting credit card
debt…
• You are fighting with your partner about the
bills…
• You are living paycheck to paycheck…
• You are falling behind on your debts…
• You are losing hope…
It’s time to talk with National Debt Relief!
Call Toll Free 1-888-703-4948 Now!
Or Go To http://NationalDebtRelief.com