Leverage time, save money, financial failure, pay off debt... and more

1. Ways to Leverage Time to Make More Money

Amanda Abella — Amanda believes time is more precious than money. She says, “There’s always an opportunity to make more money, but we can’t actually ‘make’ more time.” So, if we can’t make more time, we must leverage it — and make more money.

I like her first way, but it takes guts: “Charge more than you think you are worth.” She thinks many people “undervalue” their work and services. As a result, they’re getting underpaid. I think she’s right. Ask for more money. And if you get it, read this post about managing your finances after a raise.

2. 12 Best Ways to Save Money on Groceries

The Practical Saver — Allan’s family totals five people. They spend $300 a month on groceries. In my opinion, that’s incredible. He says, “If we didn’t follow these ways to save money on groceries, we would be spending at least $600 a month.”

The first way interests me: “Don’t go grocery shopping when you’re hungry.” Sounds silly but two studies by Cornell University back it up. If you go into a grocery store hungry, chances are you’ll buy more high-calorie foods. Check out this post and make your groceries last longer.

3. 10 Spending Traps I Avoid After Being a Financial Failure — at 18

Sunburnt Saver — Melissa tells us about a $120 pair of jeans she charged at 18. And how she never paid the bill (she tried but the bill never processed for some reason). By the time the creditors caught up with her the bill turned into $1,800.

It’s an interesting story and it still haunts her, “But it’s not like my spending triggers just went away because I’m leery of debt,” she tells us. So, she pinpointed these 10 traps to help her avoid debt. I like the sixth one: “Keeping everything in my Amazon cart until it decreases in price.” Give her a read.

4. Don’t Turn Back! Stay Motivated to Pay Off Debt

Jessi FearonPaying off debt stinks. The journey takes a toll on people. As Jessi says, “It’s harddddd to dig yourself out of the pit of financial hell.” But if you want your debt paid off, you must stay motivated — keep your eyes on the prize.

Jessi tells a story about trading in her fully-loaded Tahoe truck. She loved the truck and didn’t want to part with it, even though it would make them “$18,000 lighter.” She identified herself with the Tahoe. Letting it go physically hurt her. But she did it and kept moving forward with her debt repayment plan. Check out this post, you’ll feel reinvigorated.

5. How to Pay Off Credit Card Debt: Step-by-Step Guide

Disease Called Debt — This blogger began using credit cards in a responsible manner. But after a while responsible became irresponsible, which equaled $10,000 in debt. They dug themselves out though, and now they’re sharing their debt-free secret.

It seems easy enough, but as Jessi says in the former post, you must keep motivated. There are five steps. The first step, “Get Organized,” makes sense. The blogger says, “Before you can do anything, you must get all your financial documentation in order.” Review the other steps and become debt-free.

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Meet the Author

Brian Bienkowski

Brian Bienkowski


Bienkowski is a contributing writer and is the face of Debt.com's 'By the Numbers' videos.

Budgeting & Saving

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Article last modified on August 9, 2018 Published by Debt.com, LLC . Mobile users may also access the AMP Version: Around the Web: Pay Off Debt - AMP.