How to Clean Up your Economic Situation... Kind Of.

This isn't meant to be perfect, but just because I'm in a bit of a bind myself, I thought I would just offer folks some ideas on how to cut back on expenses and save some cash while still being able to enjoy life. It's the time of year when, after your done all your holiday shopping, your realize that you spent a bit too much on everyone and not yourself. Because of it, you could be seeing some really big credit card bills, or may face some big bills.

If so, or if you want to make sure your not in that situation, here are some suggestions:

1. Check your bills! It may seem simple or common sense, but double-check the charges on your bills! I did recently and found 2 odd things. I looked them up on-line and, sure enough, they were scams.

2. Be careful of scammers! If you went to an FYE or Suncoast recently and signed up for a "free magazine" offer, make sure you cancel them once your done with them, even if it's a debit card! I thought it would just cancel itself but it didn't. The bill will come up as TWX*MAGAZINE. Call them and cancel them if you already have them. Also, look out for FreeCreditReport.com! they charge $13 a month to see your credit score, and it's a good idea to look for another service instead.

3. Buy used and sell things you don't want. This is a good rule to follow when buying older CD's and DVD's. If there is something you've wanted for a while, see if you can get it used instead. You can save a good amount of money on it, sometimes at least half or more instead of buying it new. Sell those old CD's or movies you don't watch anymore as well.

4. Sign up for any budget services. If your electrical or gas company has a low-income plan, see if you can sign up for it.

5. Conserve Energy. Not only do you help the planet, but you help your wallet and bottom line by doing this! Turn off lights and electronic devices when your not in the room or using them, try to keep the heat down low and wear warmer clothes indoors, and open the curtains during the winter to keep the house warm.

Happy holidays!