Ways to Get Money To Pay Off Debt

There are two basic ways to earn more money to pay off your debt. The first is to reduce spending and the second is to increase your income. Here are some ideas to do both.

When reading any thing to do, you might be thinking "this will only save about Rp.200 thousand or Rp 1 million per month only." Count how many times you say it, and multiply it by 5 or 10. That is how much extra money you have to pay off your debt every month.

Reduce Expenditures:  

Expend less money for food:

•     Cook at home and not eating out.
•     Eating lunch at work.
•     Shopping using a grocery list and stick to it.
•     Do not shop when hungry, you are prone to excessive purchases.
•     Use discount coupons but only for items that are included in the shopping list.
•     Buy store brand products.
•     Use leftovers to create new meals.
•     Freeze excess food, such as food waste feast to be eaten another day.
•     Let your kids bring lunch even if it's only a few times each week.
•     When you eat out, the message water instead of soft drinks.
•     Avoid buying items non-food in supermarkets where they tend to be more expensive.

Reduce transportation costs:

•     Service vehicle regularly to maximize engine performance.
•     Running all tasks in one trip.
•     Avoid unnecessary driving.
•     using public transport.
•     Sell ​​your SUV for a car that is cheaper and fuel-efficient.
•     Make sure you have the level of insurance premiums as low as possible, get new offers regularly.

 
Reduce costs for clothing:

•     Forget the leading designer labels.
•     Wash your clothes with the right to get to wear it again.
•     Avoid clothing label "dry clean" (to save the cost of dry cleaning).
•     Learn to sew - you can update your old clothes, changing clothes that do not fit the size or fixing holes can be used to make clothes last longer.
•     Creation of old clothes.
•     Buy clothes the day before the big day when it was discounted.

Reduce Entertainment:

•     Exchanging movies with my friends instead of renting.
•     Watching movies on the TV rather than go out.
•     Book: Use the library instead of buying new books.
•     Music: Purchase one or two songs via Amazon or iTunes instead of buying the whole album.
•     Gathered in the evening with family and friends at home.

Reduce your housing costs:

•     Moved into an apartment with lower rent.
•     Home mortgage refinance for a lower interest rate.
•     Find roommate (for a single).
•     Do it yourself home improvement and garden care.

Reduce the cost of the internet:

•     Buy modem itself is not using internet cafes.

Lower your phone bill:

•     Use your phone as your primary phone
•     Phones with internet bundle
•     Ask the promotional rate
•     Turn off unnecessary features, and if necessary reduce outgoing calls or sms.
•     Keep the original ringtones from the phone, instead of downloading a new one.

Reevaluate luxury services:

•     Can you wash your own car?
•     Can you cut your own grass yard?
•     Nail polish your own vs paying for a manicure at the salon.
•     Reduce visits to the spa.
•     Diotong Can your hair less frequently.

Boost Your Income:

•     Paying taxes correctly, ask your tax cuts if necessary.
•     Optimize your profits by ensuring that you get the best benefits from your current job.
•     Ask for a raise.
•     Working overtime.
•     Looking for a second job.
•     Hobbies that make money
•     Selling local arts and crafts market.

Get rid of household items that are unwanted or unneeded

•     Sell ​​on ONLINE website.
•     Sell ​​old books to the store for half the price.
•     Selling old cd using websites like SecondSpin.
•     Sell ​​old clothes. 
 

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