1. Be Positive
2. Negotiate your credit card rates ( DO NOT miss minimum payments)
3. Reduce Cable Packages
4. Reduce Cell Phone Plans
5. Reduce/Cancel Gym Memberships
6. Reduce Entertainment Expenses
7. Reduce Dining Out
8. Put some of your Savings in a short term CD/ Start Saving!
9. Take Public Transportation
10. Be Positive
The extra money should be put to the side in a savings account.
