Tips To Survive
The
Consumer Credit Crunch
Wandering out of the
grocery store you have begun to wonder how many people really are in your family.
The once dependable vehicle is now in the shop for the third time this month.
And your only pair of decent jeans seemed to have garnered a hole in the knee.
These
scenarios sound all to familiar in daily life and with a bludgeoning economy appear
to worsen week to week. Your once comfortable paycheck is now bringing you more
stress than pleasure. The consumer credit crunch has finally hit you. However,
there are simple steps you can take to help alleviate financial stress. While
refinancing your home may not be a practical option, there are day to day actions
that are, by far simpler to keep money in your wallet. First, take a look again
at coupons. Yes it is time consuming and yes it can be a pain, however, you would
be amazed at how much you can save at the grocery store. You
can even use coupons for items you wouldn’t necessarily buy but are from
the same manufacturer. A great little tip you may not be aware of! For example,
there is a coupon for XYZ cereal manufactured by QRS. You don’t buy XYZ cereal
but you do buy LMN cereal made by QRS, the same manufacturer. You can use the
coupon. Typically stores do not look at the product, they only look at the manufacturer.
This tip alone has saved people hundreds of dollars on food and other items. Another
way out of the consumer credit crunch is shop at thrift stores. Many thrift shops
have name brand clothing at a lower price than even discount stores. Also, there
are guidelines that secondhand stores have to follow so you can rest assure that
most clothing is in excellent condition. Finding great clothing at a thrift shop
is time consuming so be prepared to spend a good portion of your morning going
through the items. Garage sales are also a good place for bargain hunters. Finally,
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Your
mode of transportation generally takes up a good portion of your check as well.
Without routine maintenance, you may run into financially binding repairs unnecessarily.
The obvious thing to check on your vehicle is tire pressure. Improperly inflated
tires will decrease your gas mileage. And with gas prices at an all time high,
getting the best mileage out of your vehicle is of utmost importance. For folks
who commute more than 15 miles to work this can save hundreds of dollars a month.
Changing your oil in accordance with the specification
for your vehicle will ensure your auto is running properly too. Carpooling to
work or other activities will also save a little money each week. Combine road
trips; if your child has sports practice, run to the grocery store. There
are several ways the consumer credit crunch can be felt in the home too. To cut
expenses use lights and electrical appliances sparingly. Check your dryer, whether
gas or electric, to ensure it is venting properly. When the lint trap is clogged
or there is a buildup of lint in the exhaust pipe your dryer may not run as efficiently. Wash
clothes on a cold/cold setting, this will help with lowering the use of your hot
water tank. Lower the temperature on your hot water tank. This will allow for
less fuel or electric consumption. If you are married, go by the old adage “shower
with a friend”. Conserve water and reacquaint yourself with your spouse.
While in and of themselves these tips may not generate
great increases in savings immediately. However, the amount of money you save
over time will be noticeable. The consumer credit crunch does not have to control
how you live. Following simple money saving steps will help ease the financial
burden hitting you now. And prepare you for a financially enlightened future
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