What Credit Card Starts With 55

Debt Getting You Down? – Make a List!

Debt is not much fun and when faced with it, people sometimes look for complicated debt solutions and often overlook the many simple ways that you can save money. Believe it or not, one of the simplest and most effective debt solutions is to get hold of a pen and a piece of paper and make a list. By this I mean that keeping a daily record of your expenditure can reveal some interesting facts about your spending and point you in the direction of how you can make easy savings right away. My Father first introduced me to this, showing me the little piece of paper that he kept in his wallet. But at the time I just rolled my eyes and ignored his advice – big mistake. It was only a few years later when I wanted to try to seriously start saving money in order to make a dent in my mortgage loan. But this debt solution is not only useful for helping you to pay off a mortgage debt, but also credit cards and student loans and many other types of debt.

At the beginning of each month, I would just tear a piece off an old envelope and write my salary at the top and then immediately subtract the amount I want to save in order to pay off my mortgage debt. I could then clearly see how much I money I had to get me through the month. I then simply subtracted everything I spent when I spent it. The key to this is to writing down absolutely everything, no matter how small. I found that it was really easy to do – I would either write something down on the list as soon as I spent the money or take two minutes in the evening at home to go back over what I had spent during the day. Whenever there was a fairly large sum on the list, I would just write down what it was next to the amount, so that I could remember.

Once you have kept your list for a couple of weeks, you already start to make some fascinating discoveries. It was not the big amounts on my list that had to be dealt with, as I had imagined. These were essentials, which there was no way I could do without. However, the small amounts on my list were doing the damage! I was well aware that I was buying something to eat EVERY morning before going into the office, but I was totally unaware of what it was costing me. I was spending 2.75 British Pounds every morning on this. That was adding up to around 55 Pounds per month! As soon as I realised this, I started making my own. In addition to this, I could always turn to my list at any point during the month and see how much money I had left until the next pay day. This way, there was never any danger that I would have to go into the overdraft on my bank account.

This in itself represented a real saving that I started making each month and once I had cut one or two other unnecessary expenses revealed by my lists, I was making very significant savings, which I then put towards paying off my mortgage debt. Keeping a list of this type is a simple yet powerful tool because it will clearly and simply show you where your money is going, and give you the control to make some changes.

Emmanuel Mendonca is the webmaster of Debt Genius at http://www.debtgenius.com which provides free advice on debt consolidation, how to get out of debt and on saving money.

Watch Credit Card Debt Collectors – How To Get Rid Of Credit Card Debt – Credit Card Debt Solutions




















Headboard Decal Vinyl Wall Decal Headboard Wall Sticker for King Queen Full Twin Bedroom Dorm D¨¦cor(30.5h x55w,Dark brown)


Headboard Decal Vinyl Wall Decal Headboard Wall Sticker for King Queen Full Twin Bedroom Dorm D¨¦cor(30.5h x55w,Dark brown)


$28.99


Headboard Decal Vinyl Wall Decal Headboard Wall Sticker for King Queen Full Twin Bedroom Dorm D¨¦cor.You can put up the love hearts in any arrangement you want!Creative and amazing!ProductFeaturesSize:22″h x 40w”30.5″h x 55w”33″h x 60w”42″h x 72w”Color:There’re 5 colors of your choiceCustom Your OrderEmail us what color you want and what size you want.Environmental Materials:Our vinyl decals use…

MairGwall Always Remember You Are Braver Than You Believe - Braver Stronger Smarter Inspirational Saying Teen Room Vinyl Living Room Decal(Medium,Black)


MairGwall Always Remember You Are Braver Than You Believe – Braver Stronger Smarter Inspirational Saying Teen Room Vinyl Living Room Decal(Medium,Black)


$21.99


Product Features Available Colors: Black,State Grey, White, Brown, Dark Brown, Light Yellow, Dark Yellow, Orange,Dark Red, Tomato Red, Blue, Medium Blue, Teal, Lime-tree Green, Dark Green, Hydrangea Purple, Violet, Soft Pink (show as the colors image) Environmental Materials: Our vinyl decals use high quality, interior grade matte vinyl, which is made for interior use and as it has a matte finish,…

MairGwall Family House Rules - Share, Dream Big, Say I Love You, Have Faith, Love Endlessly - Inapirational Vinyl Wall Decal


MairGwall Family House Rules – Share, Dream Big, Say I Love You, Have Faith, Love Endlessly – Inapirational Vinyl Wall Decal


$20.99


Product Features Available Colors: Black,State Grey, White, Brown, Coffee Brown, Light Yellow, Dark Yellow, Orange, Dark Red, Tomato Red, Blue, Medium Blue, Teal, Lime-tree Green, Dark Green, Hydrangea Purple, Violet, Soft Pink (show as the colors image) Environmental Materials: Our vinyl decals use high quality, interior grade matte vinyl, which is made for interior use and as it has a matte fi…

Jordan Colourful Shop - motivational quote finish what start work For Sony Xperia m55w Z3 Compact Mini - < Leather Cover Case High Impact Absorption Case > -” ><br />
</a>
</td>
<td class=

Jordan Colourful Shop – motivational quote finish what start work For Sony Xperia m55w Z3 Compact Mini – < Leather Cover Case High Impact Absorption Case > –


$13.55


“Full Protection: High Quality PU Leather provides 360 degrees full protection for your phone. Card Slots: The card slots on the cover can hold multiple cards at same time. Stand holder: Leather case featuring stand design releases your hands when you watch a video. CASELAND: CASELAND is Registered in the United States and Europe,A Company Which Sell Phones and Tablet Cover Professionally. ” Sony …

DEVIL CASE - FOR Sony Xperia m55w Z3 Compact Mini - Motivational Quote Finish What Start Work - Style PU Leather Case Wallet Flip Stand Flap Closure Cover


DEVIL CASE – FOR Sony Xperia m55w Z3 Compact Mini – Motivational Quote Finish What Start Work – Style PU Leather Case Wallet Flip Stand Flap Closure Cover


$13.78


Made of PU Leather Material for the Cover,surface shiny First-class quality: Excellent workmanship. The edge of the case was all stitches. And the lifespan will be longer. Function: you can put few money and two cards in it. (Remember don’t put too money in it. Otherwise it can’t close well.) Stand function makes you can watch video or movie very easy. Sony Xperia m55w Z3 Compact Mini…

Packable Lightweight Travel Backpack | 35L | Best for Traveling, Camping, Hiking, Biking, Sports, School Daypack | Handy, Foldable, Durable Easy to Fold | Enhance your Active Life Style NOW!


Packable Lightweight Travel Backpack | 35L | Best for Traveling, Camping, Hiking, Biking, Sports, School Daypack | Handy, Foldable, Durable Easy to Fold | Enhance your Active Life Style NOW!



Beautifully Designed LARGE & Lightweight Backpack made with STRONG Foldable Water-Resistant Nylon for ALL SEASONS! Always be ready on the GO | Travel Lighter with More Comfort | Unfold and Pack when you need to!Be ready for your next adventure with your Go2PaK!- Is the stitching from your current backpack already coming unraveled, leaving holes in your pack?- Do zippers keep getting caught on the …