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AFFORDABLE LIVING IN GREAT AREAS!

HOME HEATING AND AC:

Half of your energy cost could be lost. Patch door frames, window and wall holes and watch your bill drop. More than $100 can be saved per year by blocking sunlight - Block windows with film, cardboard, wood or fabric. House temperature: Keeping the house temperature at 82% versus 75% can reduce your electric bill IN HALF.

PAYDAY LOANS:

Most payday loans are taken out to cover regular expenses (bills, etc.), not emergencies. If they couldn't use payday loans, most borrowers would either cut back on expenses or borrow from family and friends.Payday loan borrowers typically repay their loans by...cutting back on expenses and borrowing from family and friends!In other words, combining these findings, we see one simple truth: Most poor people, if they didn't take out payday loans, would not die. They would not be out on the street or crippled or starving. Instead, they would simply be wealthier. For this reason, many states, and the federal government, are all actively looking into legal restrictions on payday lending; some have already done this.

RENTING:

How much is that rented TV really costing you? At 10% interest with hidden fees - that TV may be costing you DOUBLE of what it would be to save for 3 months and buy a NEW one.

KIDS - SUPPORTING GROWN UP KIDS:

Did you know that helping your child financially could prevent your child from making their own living? Are they 18? Cut them off so that they can learn how to fix their own problems to become independent adults!KIDS:Do kids really need the popular shoes if 1 pair of shoes = having to work 5-8 hours? ($50.00)

FAMILY LOANS:

Stop it, don't be an enabler. Almost always, by lending you are not allowing the person to fix their own problem. In addition, you are likely to not get the money back and you may damagethe relationship beyond repair when it comes time to ask for the money back. Practice saying… "I am sorry, I do not have money to lend you at this time". Unless you have more than $10,000 in savings for unexpected bills, your family costs, etc - then you are NOT in a position to lend any money to anyone.


TALK TO YOUR FAMILY ABOUT MONEY:

​Simply talking to your spouse and kids about expenses and things to buy can save a lot of money - Planning! Make a fun game out of it, get a jar for your kids to collect change in - teach that it cost money to buy things and that saving comes with reward! Learning this at an early age helps children to be prepared for the future.

CELL PHONE PLAN:

Fees & Data plan can cost an additional $50 per month.

CELL PHONE COMPANY:

Did you know simply calling your phone company and asking for discount can reduce bill?

CELL PHONE FEES:

Additional fees, downloading apps and having a data plan cost an additional $50 per month.

GIFT GIVING:

Gifts especially add up. Did you know that someone remembers a personal letter more than any gift?

HOUSING:

Having a roommate could results in more than $400 of savings. To look for a roommate, try www.craigslist.com to post that you are looking for a roommate. If you do not have a computer, then you can contact many of the services listed that will help you post an ad that you are looking for a roommate of even find one for you!


WORK:

Most very successful people worked 80 hours a week early in life, think about it. Yes - including Michael Dell & Bill Gates.

Did you also know there are many new businesses that offer errand services that don't even require skill?

For example, you could pick up groceries for someone,watch their kids for an hour, drop someone off, wash their car, etc, etc.

Some of these gigs are listed on https://austin.craigslist.org/ggg/, http://www.jobhustler.com/jobs/austin/Labor-Gigs.php  -  and MANY-MANY other sites offering random gigs for an hour to full time work. If you don't have a computer, ask a support center that has computers or talk to someone at the listed services that can look for gigs for you.

ENTERTAINMENT:

There are so many more FREE movie places now - call 311 to ask about FREE movies & events.

HABIT:

​Wait 24 hours before making an impulse buy to decide if you really need it - NEED vs. WANT.Most of the time, after waiting 24 hours, you will forget about what you were thinking about buying in the first place:)

HABIT, NEED --VS-- WANT:

​Try this - don't buy it until you need it. Seems simple, but saves a lot over time.

HABIT, STORE FUN:

Don't go to a store for fun, you end up just buying stuff that accumulates.

HABIT, IS IT A GOOD BUY?:

​For every purchase - ask yourself, "Will this make me money or cost me money?"


PAYING OFF DEBT:

Paying off the highest interest rate loan could easily save up to $100 per month.

​FOOD:

​Eating in instead of going out can easily save more than $100 per month.

CAR:

Keeping tires properly inflated and car tuned up can save over $100 a year in cost.

ELECTRIC OR GAS COMPANY:

​Did you know that just calling to ask for reduced rate can reduce your bill?Ask about any rebates or other discounts that many be available.


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