Tips

Many of my tips for improving ones finances and remaining as debt free as possible are either common sense or have been given by many sources or both, but because of that it is sometimes easy to ignore them or put them off. It is very important to incorporate as many as one can in order to reach financial goals in life.
* Start saving and investing as early in life as possible.
* Always pay credit card bills in full each month; never incur any credit card debt. If you can not afford to pay for something do not buy it unless it is absolutely necessary to eat, maintain shelter or preserve health.
These two are the most essential and most effective. The following are helpful.
* Shop and stock up on non-perishable foods when possible.
* Take advantage of sales and rebates whenever possible on things you must have or really desire; don't buy anything on sale just because it is a good price.
* Use coupons but only on things you will actually use.
* Eat out only on special occasions and avoid the expensive habit of getting a specialty, or any coffee, at a high priced coffeehouse everyday.
* Plan outings and shopping trips to avoid unnecessary trips and distances.
* The days of taking a drive just to take a drive are gone, unless you are a multi-millionaire, being just a millionaire is not enough these days. Take a walk instead, it is better for you.