Creating a budget is the first step for those of you who don't want to be in debt anymore. Being a stay at home mom means that I have the ability to keep the home cost down. Here are some tips I have learned:
1. find out which bills you can eliminate or cut down. Such as phone bill, cable, electricity and etc.
2. Don't eat out! This can cost hundreds of dollars every month. Cook at home instead.
3. Pick recipes that are cheep to make and double it. Freeze the other meal for another day. See our freezer meal section for ideas.
4. Make a plan to get out of debt and stick to it.
5. Make sure you have a starter emergency fund of $1000 before you get out of debt. That way when Murphy comes knocking (and he will) you'll be ready.
GOOD LUCK!
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