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Page 1 of 3 © 2008 National Financial Awareness Network, Inc.http://www.nfan.com/scribd 
10 Ways toCut Expenses
 
10 Ways to Cut Expenses
From useless phone services to vending machine drinks here are tipsto reduce your spending while barely changing your routine.If you’re like me, you sometimes find yourself scratching your headover your monthly expenses. You tried being frugal, but somehow yourfinances are just not adding up the way they should. While this is notuncommon, it is avoidable.Here are ten tips to alleviate some of the hassle of the monthly budgetburden.
1.
Cut down on phone extras
– Cancel all of the extra phoneservices such as Call Waiting, Caller ID, Call-Forwarding, andThree-Way Calling. You can do the same with your cell phone(do you really need your unlimited text messaging plan?).
2.
Call 411 for free
– Typically phone companies will charge afee for 411. Instead of paying for information, you can callfree 411 services such as (800) FREE-411, or (800) GOOG-411.
3.
Pay in cash
– It’s easy to pay for things with your credit ordebit card. That’s why retailers offer these payment options.Paying in cash makes you more aware of the money you arespending and typically you will spend less if you pay cash.
4.
Shop smarter
- Select articles of clothing you can use tomake multiple outfits, in versatile colors that are easy to mixand match. Don’t get caught up in the most fashionable andtrendy brand names (who looks at the tag in the back of yourshirt anyway?). You can find similar styles at a much moreaffordable cost. Besides, they’ll be out of style next seasonanyway.
5.
Take it easy
- Your vehicle will burn less gas if you accelerateand brake gradually. Drive conservatively to conserve gas andsave money.
Page 2 of 3 © 2008 National Financial Awareness Network, Inc.http://www.nfan.com/scribd 
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