financial advise, page-19

MAKING MORE OUT OF LESS

You don’t need to make more money when you make more out of what you have.


On basic thing you could do is to keep a record of ALL spending for a say a month. Keep a record, write it all down and include everything.

This way you will see where your money is going.

There may be ways spending can be cut back which could be used to repay debt.


Examine all spending and ask is it necessary or are there cheaper alternatives?

Takeaways, restaurants -
Take your own lunch and eat at home more often

Pay TV -
Is free to air enough?

Magazines and books -
How about using the library?

Designer clothes -
What about Target, second-hand etc?

Hair cuts -
Cheap or free cuts from students at TAFE etc

and so on.