Photo: Contributed - (Photo: Flickr user, 59937401@N07

It seems as though most folks these days are dealing with similar situations. Our fixed costs are ever increasing and our incomes are stagnant or decreasing. Have you set up a monthly budget? Are you aware of what’s coming in and what’s going out? Do you have a plan? Are you sticking to your Debt Diet? Now of course, inflation is inevitable, but it feels more strenuous to most during hard economic times. So here are some tips on how to decrease our spending and not even notice!

The Analysis: If you just don’t know where to start, go back to January 1st on your bank statement and find a template online or create one yourself. What cash flowed in and where did it flow out? First start with listing your sources of income, housing costs, phone and utilities, vehicles and insurances; you get the drift. What did you spend on groceries? What did you spend on entertainment and eating out? What did you spend on clothing, gifts and booze? Now, what is your short term goal(s)? Paying off a student loan? Saving for a trip? Paying off a credit card? Where are you going to cut back on your spending? Not eliminate, “budgeting” is not about deprivation. All we are doing is redirecting our income to achieve our goals!

Around the house: Think energy savings! Turn off the lights, fans, computers, TVs etc. when not in use. Unplug devices (especially chargers) that you’re not currently using, even if an item is plugged in it is still drawing more energy than you would think. Be sure windows are locked all year round and consider turning down the water heater and thermostats. I know very well this is not rocket science but if you are consistent you will save money! Don’t forget to adjust the heat or air conditioning before you leave the house for the day or before bed! Also consider the amount of laundry that goes into the dryer, is it an option for you to hang dry more items? Other items to consider are: buying EnergySaver light bulbs; fix a dripping faucet; shorten your shower time; use a microwave or toaster oven instead of the oven when possible. If you have an older home check out Fortis BC’s LiveSmart program for energy saving incentives. Live greener and save!

no turn down cash advance - News


6 Ways to Turn Off Your Home's Buyer (or Seller!)

In the wild world of dating, when you encounter a “turn-off,” you can just pack it in and not to go on another date with that guy or gal again. But turnoffs can be much more detrimental when they come up in the realm of your real estate goals.



Los Angeles Lakers: 8 Bold NBA Predictions for Lakers' Second Half
Los Angeles Lakers: 8 Bold NBA Predictions for Lakers' Second Half

They are also 16-12 this season, sitting in fith place in their own conference and being written off by many "experts" as an over-the-hill group in need of wholesale change who can't possibly compete with the Heat, Thunders or Bulls as legitimate title



Clearwire's CEO Discusses Q4 2011 Results - Earnings Call Transcript

I would now like to turn conference over to your host for today, Ms. Alice Ryder, VP of IR. Ma'am, you may begin. Thank you, Mary. Good afternoon, and welcome to Clearwire's fourth quarter 2011 financial results conference call.



Photo: Contributed - (Photo: Flickr user, 59937401@N07
Photo: Contributed - (Photo: Flickr user, 59937401@N07

Paying off a credit card? Where are you going to cut back on your spending? Not eliminate, “budgeting” is not about deprivation. All we are doing is redirecting our income to achieve our goals! Around the house: Think energy savings! Turn off the



Itron Management Discusses Q4 2011 Results - Earnings Call Transcript

At this time, for opening remarks and introductions, I would like to turn things over to Ms. Barbara Doyle. Vice President, Investor Relations. Thank you, Wade. And good afternoon to everyone on the call. Today we have LeRoy Nosbaum, our President and




Acquiring a 24 hour Cash advance at Cultura Migrante

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no turn down cash advance - Bookshelf

The turn of the screw

The turn of the screw

Contains various short stories that depict the authors form of imaginative artistry.

Codependent no more, how to stop controlling others and start caring for yourself

Codependent no more, how to stop controlling others and start caring for yourself

Discusses codependency and contains real-life examples, personal reflections, exercises, and self-tests designed to help people overcome their codependency.

A Tale of Two Cities

A Tale of Two Cities

When toned down again, the unimpeachable patriot appeared in the witness-box. Mr . Solicitor-General then, following his leader's lead ... No, he scorned the base insinuation. What did he live upon? His property. Where was his property ?

No Depression #77: Instruments of Change

No Depression #77: Instruments of Change

Beyond performing, other opportunities came his way, including a chance to produce longtime friend Johnny Cash in ... Mercury then purchased eleven masters from Moore that became 1990's Boom-Chicka-Boom, considered by some Cash fans ...

Down Sterling Road

Down Sterling Road

Down Sterling Road parses the anatomy of childhood with wisdom, wit and wonder; it’s one of the most charismatic books you’ll read all year.