Expenses to Ditch this 2012 to Avoid Depending on Payday Loans

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<h1>Expenses to Ditch this 2012 to Avoid Depending on Payday Loans</h1><strong> Author: <a href='http://www.articleseen.com/profile_Faye Dayton.aspx'>Faye Dayton</a></strong><br /><p>Now that it is a new year once again, it is time to start fresh and new on your finances to ensure that it only runs smoothly throughout the year. We understand that most people max out their credit card or apply for instant cash loans when there are urgent needs. With the convenience of these sources of cash, people tend to forget the consequences that they bring. However, financial experts agree that we shouldn’t depend right away on credit cards or loans on the slightest of needs because it is one sure way to lose control of our finances. So, this start of a new year, try to live a healthy and debt-free life. One way to do this is to remove all the unnecessary expenses in your life and contend only to the most practical and most affordable things you can get. For instance, here are 5 of the things you can consider removing this 2012. Buying your fix of coffee from your favorite coffee shop. We all need our daily caffeine kick so we head out to our favorite coffee shop and spend $3 or more for a cup of coffee. But, did you know that if you sum up this seemingly insignificant expenses, it could take out hundreds of dollars of your budget every month. The trick to save on your coffee is to brew your own at home. Buy a pack of the finest beans you can afford and give at least 3 minute of your time each morning to transfer it to a thermos then bring it to work. Bottled water. We love drinking water out of a bottle because it is guaranteed safe, convenient, and very friendly to bring around. We usually drink bottled water when we go to the gym, jog, drive long hours, and whatnot. But have you considered the waste you are contributing every time you throw away an empty bottle of water? You can save money and the environment if you bring your own water wherever you go. Baggage fees. It used to be that when you travel by plane, airfare is the only thing you have to pay. Baggage is free as well as the food. But today, airlines charge at least $25 for your first baggage and it increases as you bring in heavier baggage. When traveling, bring a light baggage to avoid paying excessive fees. Landline subscription. It would be impractical now to use a landline when you can easily communicate with everyone using VOIP, email, or mobile phone. Use landline only if you are running a huge office. Baby food. You can easily make your own baby food formula using fresh ingredients. You can save more money with it as well. Consult a nutritionist or find recipes online. Save more money this 2012. This way you can avoid depending on credit cards or getting a quick source of cash through advance lenders. Make sure to follow the steps above for a start.</p><strong>About the Author:</strong><br />Are you trying to find a tiny loan so that you can enjoy more of life? Faye Dayton explains how to do this with <a rel="nofollow" href="http://www.paydayloans.com.au">Payday loans</a> and other short term loans.<p> Article Source: <a href='http://www.articleseen.com/Article_Expenses-to-Ditch-this-2012-to-Avoid-Depending-on-Payday-Loans_137423.aspx'> http://www.articleseen.com/Article_Expenses to Ditch this 2012 to Avoid Depending on Payday Loans_137423.aspx</a></p>

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