Top 10 Ways To Beat The Credit Crunch

As credit continues to tighten, do you find yourself having a hard time paying for your basic bills? Are you unable to get the funding you need to make it through the credit crunch? Even if you think you've exhausted all of your options for surviving the current credit crunch, think again: these ten tips can help you get through.

• Save on petrol: walk or cycle

You've likely noticed the cost of fuel rising as the credit crunch drags on. If you're constantly spending on petrol, rethink your transportation choice. Depending on the distance, walk or cycle to school, work, or to the store and enjoy a cost-free commute.

• Eat at home

Avoid the inflated cost of dining out by staying at home. Keep all your meals at home if possible. If you need a lunch for work, bring it with you rather than ordering one. Cut out your daily latte for great savings.

• Buy food in season

Food that is currently in season is cheapest, so plan your meals accordingly. The grocer can fill you in on what's in season now, and may even be able to help you with some recipes or meal ideas. Everything from meat to vegetables to fruits can be found in season.

• Make use of voucher codes & cashback

Many websites online provide its members with downloadable voucher codes and cashback deals. So, the next time you make a purchase online or are looking to go out for a meal, make full use of cashback deals, printable vouchers and restaurant vouchers to save yourself money.

• Make a budget

Instead of hoping to get through the credit crunch, make a budget and stick to it. Cut out unnecessary expenses, and save money for emergencies if you can.

• Share with friends

Whether it be books, CDs, DVDs, or a holiday, share the cost with your friends. Pass around books and other entertainment, and go on a shared holiday to keep costs under control.

• Reuse what you have

If you have clothes with holes, mend them instead of throwing them in the rubbish bin. The same goes for take away containers, which you can use to store your own leftovers. If it can be fixed or reused, keep it and find a use for it.

• Keep your home insulated

Insufficient insulation could be costing you in heating and cooling bills, so check out your current insulation and add as necessary. While you're at it, check for cracks, gaps, or other holes that may be letting air in. Patch up these leaks, and see your heating and cooling bills plummet.

• Cancel subscription services

Haven't been to the gym in months? Toss that magazine the minute it arrives? If you have subscriptions that you're no longer using and cannot find a use for, get rid of them. They're just draining money out of your account, which could be better spent elsewhere.

• Do it yourself

If you're employing a maid or a handyman, figure out how to do it yourself. You can find a how-to for nearly anything online, so do simple jobs yourself rather than paying someone. Leave more complicated jobs to a professional.

With these simple tips, you can get your family through the credit crunch. If you're feeling the squeeze, start trying these methods today.


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