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Kill Bills

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Bills are like warts. They pop up when least expected, they’re ugly and annoying and seem to stick around
forever. This article suggests various ideas to help eliminate those extra bills from cluttering your finances.

lower bills, bill consolidation loan, online credit report, clean credit

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<b>Get Rid of Some "Extras"</b><br>
 The key to financial freedom is building wealth. The key to building wealth is eliminating all your extra
bills so you <i>have money</i> to save. The average consumer's credit report carries quite a burden from
these bills as well. Let's start with what hurts the most. Eliminate any habits you currently have. Most habits
cost money and if it's a habit it can't be healthy for you in the long run anyway. Smoking, drinking, candy,
coffee, collecting junk, etc. You will be surprised how much cash you pocket if you just quit 1 or 2 of the
above (if any apply of course). By giving up a habit you are not only saving money and maybe even your
health, but you are also gaining self-discipline helping you mature financially.<p>

<b>Food: Dine In or Carry Out</b><br>
 Let's look at the two separately AND together. If you eat out once a week, even at $25 you are spending
$100 a month. Pretty simple math. Let's say you get carry-out (drive-thru) 3 times a week at $5 per visit.
This equals $60 a month. These figures are below average, but even so, this is $160 in 1 month that could be
used to eliminate some smelly debt. Pack a lunch for work. Try cooking at home. It's a fraction of the cost, it
tastes better than "fast food" and it is usually healthier. If you can't eliminate eating out then try cutting it in
half for starters.<p>

<b>Grocery List (or lack thereof)</b><br>
 Many consumers head to the grocery store with no plan or list. BIG mistake. This is what grocery stores are
designed for. Go ahead, walk down each aisle and tempt yourself with row after row, shelf after shelf of
junk food, extra stuff that you don't need. A list could save you 50% alone - that much more to wipe out
those irritating loan payments. A grocery list serves two purposes. It saves you quite a bit of money which
you notice immediately. Secondly, it allows you to be more prepared for the upcoming week, month or
however often you shop. You can make out a daily meal plan ahead of time so you know exactly what you
need to purchase and approximately how much cash you will need.<p>
<b>Sell Some Stuff</b><br>
 Everyone has stuff lying around collecting dust. Remember the saying "One man's trash is another man's
treasure."? You could probably knock out a couple of stagnate bills with some of those collectibles sitting in
a box in the closet. You would be surprised to know that an object you have absolutely no interest in could
sell on an auction site and pay off that hospital bill that's been chasing you around like a mad hornet.<p>

<b>Cash, Cash, Cash</b><br>
 Only buy with cash. Plastic looks the same when you spend it. Dollar bills disappear and you will feel the
impact when you start to get a shortage of it. Start a cash envelope system - at least one for gas, food and
clothing. Like any new system, it will take a few times before you get the right amount in the envelopes.
You will start to notice a large impact on your budget though and will find it worth while. If you buy
something with cash you don't owe on it. You might think a little longer about it too when you hold on to
that $100 bill. If you apply the various techniques and ideas in this article you will start to knock chunks off
your overall debt. This will get you closer to achieving financial freedom and your credit report will begin
the long awaited healing process. Start today!<p>

To read more about how you can get your online credit report free with no obligations, see what is on your
file and clean up your credit report go to <a


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