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Debt Management > Ways to Reduce Monthly Expenses |
Debt Kit -- Settle unsecured debts for less than half of amount owed Credit Kit -- Improve credit score and reduce monthly bills by $200+ |
Worksheet Illustration: Ways to Reduce Variable Expenses |
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Action to Take |
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TOTALS |
Monthly Savings |
Annual Savings |
Budgeted Monthly Cost |
Current Monthly Cost |
Eat fewer restaurant meals |
Give up manicures |
Set clothing allowance at $60 per month |
Give up health membership |
$160 |
$ 30 |
$ 70 |
$ 90 |
$840 |
$ 0 |
$ 30 |
$360 |
$110 |
$ 60 |
$ 50 |
$600 |
$ 29 |
$ 0 |
$ 29 |
$348 |
Found lower auto insurance rate |
$140 |
$110 |
$ 30 |
$360 |
Cancel phone extras -- call waiting, caller ID |
$ 14 |
$ 0 |
$ 14 |
$168 |
$523 |
$280 |
$243 |
$2916 |
Cut credit card interest rate |
$ 40 |
$ 20 |
$ 20 |
$240 |
Debt Kit -- Settle unsecured debts for less than half of amount owed Credit Kit -- Improve credit score and reduce monthly bills by $200+ |
Debt Management > Ways to Reduce Monthly Expenses |
Related links: |
