50 Ways to Reduce Your Debt and Get Relief Now

• Tweet
• Email
• Sharebar

• Tweet
• Email

If your credit card debt is getting out of control, maybe it’s time to reduce your expenses. Or, if you’ve been through a bankruptcy, debt settlement or debt consolidation process already and need to make some lifestyle changes moving forward, we have some ideas to help you. Here are 50 cost-cutting, money-saving tips to help you save money and reduce debt now.

1. Remove all but one or two credit cards from your wallet
2. Use a slow-cooker for family dinners
3. Merge up to eight loyalty program cards into one at JustOneClubCard.com
4. Get rid of service add-ons like caller I.D., premium channels
5. Create a holiday gift fund and contribute to it every month
6. Make your own cleaning products with recipes found online
7. Make your own gifts (food, candles, soaps, etc.) and give with a homemade card
8. Cut the kids hair yourself
9. Offer services in lieu of gifts (2 hours of babysitting, a manicure, etc.)
10. Take the train rather than the car for that next day trip
11. Wait 30 days before you buy that item you just can’t live without
12. Take your family to a picnic in the park instead of a restaurant
13. Shop with a list and stick to it
14. Keep the right level of air in your tires to save gas
15. Repair damaged clothing instead of replacing it
16. Get a library card and borrow books and videos
17. Cut back on processed foods
18. Eat more vegetable proteins than meat
19. Use trading services like www.PaperBackSwap.com
20. Maintain your car so it uses gas more efficiently
21. Buy generic instead of brand names
22. Create a visual reminder of your debt and your progress paying it down
23. Cancel unread magazine subscriptions
24. Reduce, recycle, reuse – you may reduce your trash pickup costs
25. Ask the phone company for a better package
26. Brown bag your lunch
27. Use coupons for groceries and services
28. Trade clothing for the kids and for you with friends
29. Shop at garage sales
30. Search for restaurant discount coupons online
31. Shop at discount stores and websites
32. Buy seasonal and local food
33. Watch repair videos online and fix what’s broken yourself
34. Get a deep freezer and buy in bulk at a discount
35. Fill up the gas tank early in the morning when it’s cool
36. Grow some vegetables
37. Hike instead of golf with friends
38. Weather seal your doors and windows
39. Use surge protectors with sensitive electronics
40. Reevaluate your insurance policies every year
41. Bundle Internet, cable, and phone services
42. Get a pre-paid cell phone
43. Don’t buy prepared foods – grate cheese, chop veggies, wash lettuce
44. Cook casseroles, soups and chilis that stretch over several meals
45. Find recipes online to use what’s in your refrigerator
46. Slow down, you’ll save on gas
47. Use smaller plates
48. Make a plan for leftovers, don’t forget them in the refrigerator
49. Carpool whenever possible
50. Run only full dishwasher loads and cut pre-rinse, rinse-hold and heated dry

Call ACI, the debt settlement specialists, at 1-888-420-4791 now for more ideas on how to save money and cut expenses.