|
|
|
by Paul Richard - ICFE's Executive Director
- Write down all of the poor spending
practices that you need and want to change.
- Write down how you plan to bring
about the changes in each area.
- Construct a cash-flow sheet showing
income and outgo.
- Set up and implement a spending-plan
- Discontinue borrowing and use
of all credit cards
- Begin collecting and making notes
on your cash purchase receipts.
- Begin saving one dollar-a-day
(or dollars) and all pocket change, everyday.
- Look for alternatives and substitutes
to spending
- Start utilizing cents-off coupons
and mail in for rebates.
- Wait for the sales. Comparison
shopping can save more than 50 percent
- Take advantage of factory seconds
rebuilt and used items where practical.
- Start doing things for yourself
that others were paid to do previously.
- Separate shopping trips (when
comparing prices, value, reparability, etc.) from
spending trips (when actually making the purchase).
Avoid carrying credit cards, much cash or a checkbook
on the shopping trips.
|
|
| To
Order Financial Education Books, Videos & Tapes: |
|
Click Here for Order
Options (Online, Fax, Phone, Mail) |
| California residents add 7.75%
sales tax |
| Visa,
MasterCard or American Express Accepted |
|
THE ICFE DOES
NOT ACCEPT DISCOVER CARDS, CLICK
HERE TO FIND OUT WHY… |
| call 619-239-1401 fax 619-923-3284 OR or send check
or money order to: |
Institute of Consumer Financial Education
P.O. Box WWW-34070
San Diego, CA 92163-4070 |
| Printable
Order Form |
|
Note:
The Institute of Consumer Financial Education does not
make names available to third parties |
|
Our 