Any time Is A Good Time To Make Financial Resolutions

Written by David Wilding


Continued from page 1

Pay close attention to checks and charges for restaurants and fast food chains. Look atrepparttar amount and frequency of payments to convenience stores. Examine closelyrepparttar 112087 spending on your home and your closet.

Using this information you become aware of your weaknesses and where they occur. You are now better equipped to overcome them. You need to make conscious decisions to stay away fromrepparttar 112088 places where you overspend. If you don't go there you won't be tempted to waste your resources and place your financial life in peril.

Now, armed with these bits of information you can boldly and successfully make resolutions. Remember, changing your behavior is how you will keep these resolutions. If you fail, and you will, just climb right back onrepparttar 112089 resolution wagon. Dogged repetition will help you succeed. Check how you are doing on a monthly basis. Make any adjustments needed.

Putting your financial house in order and becoming debt free is a process before it is an event.

David Wilding has for the past ten years wored woith groups and individuals to rid their lives of debt. Visit his website http://www.debtattack.com for ideas, tools, and strategies for becoming debt free.


Haggling: Give Yourself A Raise

Written by David Wilding


Continued from page 1

  • Dressrepparttar part. There are clothes to wear to work, to wear to church, and then there are clothes to wear when you shop. You want to be comfortable and you do not want to appear to have money. You can be far more effective if you look likerepparttar 112086 price you offer is truly all you can afford.
  • Never downplayrepparttar 112087 quality or desirability ofrepparttar 112088 item you want. Ifrepparttar 112089 item is no good why do you want it? You need to downplayrepparttar 112090 price ofrepparttar 112091 item. You wantrepparttar 112092 item, just not atrepparttar 112093 price they are asking. It can be a good idea to mention you have seen it elsewhere for less. However, this can backfire ifrepparttar 112094 item is truly one of a kind. Be careful, only a totally uninformed seller will not be aware ofrepparttar 112095 scarcity of his item.
  • Makerepparttar 112096 haggling a two way negotiation only. You don’t want to enter a bidding war with a third individual. This can only causerepparttar 112097 final price to be higher.
  • Set a point where you stop. Since you had a price in mind before you began, you should never pay more for an item thanrepparttar 112098 price you have set for yourself. You must be prepared to walk away ifrepparttar 112099 negotiation cannot get yourepparttar 112100 price you want. Almost nothing is more effective than walking away from a protracted negotiation in whichrepparttar 112101 seller has so much time invested. You will be surprised how often you will be called back for another round of haggling.
  • Now go make Mr. B proud. Get to work saving yourself some money and use it to pay down your debt.

    David Wilding has for the past ten years worked with groups and individuals to rid them of debt. Visit his website http://www.debtattack.com for more ideas, tools, and strategies to become debt free.


        <Back to Page 1
     
    ImproveHomeLife.com © 2005
    Terms of Use