If you are a heavy smoker not only is it an expensive habit, you are raising your healthcare insurance costs too. Scale it down, you will save your wallet as well as your ability to taste solid foods. Face it, when the goal is to come out on top, dont get into a situation where the hole keeps getting deeper, it will only discourage you and make your plans seem even farther from your grasp. You have a plan. Now what? How do you implement these new changes, how do you get your wife to put away the credit cards when that 12th set of dishes goes on sale at Niemens?

Well there are a few ideas out there to help you stick to the plan; one of the best, in my opinion, is to use cash.Good Job, you have taken the first step towards better finances; you sat down with your spouse and analyzed the amount of money it really takes to run your home comfortably. The higher your balance, the more interest you are paying and the longer you will be in debt. Then at the end of the week put the cash away, before you know it you will have quite a stash saved upperfect for gift giving or vacations, because you wont be taking funds out of your budget. So after you pay the electricity and the rent, put 10 (+) of whats left directly into your savings account.
.

Finally, make sure that you arent the only one committed to making a change.

Another way to build up your Plastic Garbage Bins savings is to pay yourself every check.

Another tip that can help you on your way to financial stability is paying down your debt, and no, I am not just talking about the minimum payment, pay down your balance