Get organized- Sit down with your past month's expenses. Review what the heck you have purchased. You may find that you waste more money than you realize. Many tips to the supermarket, lunch, coffee, snacks out many times a week. For most of us with that kind of careless spending using way more money than we can really afford to spend in that way. So, you need to see what you have done that was out of balance, see what you must pay in mortgage, utilities, etc, and make those payments as automatic as possible.

Stop spending- Alter the spending that was out of balance. Cut is back. Don't put anything else on credit. Take a breather for a year, or two, so you can tackle the debt you have already accumulated. If you pay double what your present credit card payment is you will cut that debt down in short order!

Be wise- Don't buy something simply because it was cheap or on sale. LOVE IT before you buy it. Be the picky princess I know you can be and don't settle for okay even if the item is on sale. Only buy what is wonderful - and on sale.

Save- Even when you are paying down debt, save! Even if it's $5 a week, or $25 a week, the habit is really a great one and will start making you see the savings as the luscious delight that a savings account can be. Learn to love your savings account.


Marion R. Syversen, MBA - President
NorumbegaFinancial
207.862.2952
Marion@NorumbegaFinancial.com
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