Debt Help Ideas

Working towards the goal to eliminate debt doesn’t have to mean no traveling . Vacations can be an important part of a family’s life.  For that matter, many of us have to travel for non-vacation purposes, such as business and family needs. Travel can be expensive but there are some great ways to save money. Here are three:

1.  Try to fly the same airline every single time. Unless you are traveling weekly, if you use several airlines, you will probably not accumulate enough frequent flyer miles to do much good. It’s better to pick one airline and see those miles go up, up, up. I personally love Southwest. I have earned several free trips thanks to their generous frequent flyer policy. They are very customer-service oriented. One time, we were diverted overnight to another state and didn’t land at our destination until twelve hours later. This was caused by circumstances beyond their control (not weather). I was thrilled to get a letter from them a week later, explaining what happened and that, even though it wasn’t their fault, they were giving us a free round-trip ticket as an apology! As you can imagine, I was definitely impressed even more with them. Their prices are great and they are definitely a good choice offering many ways to save money while traveling.

2. Once you make your plane and car rental reservations, don’t stop there. Check the prices of each a couple of times before the trip. Several times, I have been able to change my reservations in order to take advantage of a price drop. I was able to do this with both Southwest, and a couple of car rental agencies. I’m not sure which other airlines allow this, although I believe there are at least a couple that do. Call the airline reservations desk to see what their policies are. On a trip I took last December, I saved over $150 with this simple travel solution.

3. AAA is a great resource to help you when your car breaks down while traveling . I occasionally have to drive long distances from my home, so I pay extra for their premium service, which means I will be able to have my car brought home even if I am far away when it breaks down. Not only do I save money using them for car travel, they also are a great resource for other types of travel. I have been able to take advantage of Hertz’ wonderful #1 Club Gold Membership for free because of my AAA Premier card. This saves me  time, stress, and money. I can also use my AAA card to get discounts at hotels, motels, and amusement parks.

These three travel solutions are very useful ways to save money. And think how fun it will be to for us to take the money we saved and apply it to a loan payment as we “travel on” towards our goal to eliminate debt .

Here’s some tips to save money that are also green friendly. The next time we have to give a gift, whether it’s Mother’s Day, a birthday, or even Christmas, we can wrap it uniquely in a reusable shopping bag. Whether we pick a favorite store or just go by whichever bag we think is cutest (I like Trader Joe’s bags), our recipient will end up with a sturdy reusable bag. Not only that, we will usually only have to spend 50 cents – 99 cents which is cheaper than most of the dollar stores around.

To dress it up, we can use white or colored shades of crumpled tissue paper. After they’ve “opened” their gift, we can carefully fold the tissue paper to re-use it for the next gift giving project. It will fold nicely and doesn’t take much space. Another fun idea is to save the kids’ colored construction paper after they finish a project that they did NOT want to save. Run the paper thru a paper shredder, then stuff it on top of the present in the bag. This could get a little messy though, so we’ll have to be sure to have the kids help clean it up after the present is opened.

This works for all holidays including Christmas. Target’s red bags are especially good for that holiday. I’ve also seen green bags that would work nicely. Kids birthdays are another great occasion to put to good use these ways to save money. They always love having cute bags to carry all their prized possessions in. A sturdy reusable bag would be right up their alley!

The really fun part will be tallying up all the money we save by not buying  bags, ribbons, paper, and bows. I know I’ve spent as much as $5 on gift wrap before. Applying the savings from these tips to save money towards our lowest bill’s next payment will take us a step closer towards our goal to eliminate debt AND we get the satisfaction of knowing we did it in a fun, frugal, and green way!

Do you love to give and receive flowers? I know I do! Especially roses. They aren’t cheap though, are they? A great frugal investment we can make is to purchase and plant rose bushes and other perennial flowers around our house. Granted, there is an up-front cost involved, but in the long run this is definitely one of those multi-tasking tips to save money.

One thing I learned to do after buying a house that left me cash poor was to watch for sales at places like Rite Aid and Walgreens. They often get a big batch of plants in for spring, then put them on sale in mid-summer once most of them are gone.

Depending on the area we might even be safe buying plants looking a bit wilted. When I lived in Northern California I bought many roses for a fraction of their original cost because they looked like they were almost dead – wilted leaves, no flowers. With some careful pruning and great compost, they perked up wonderfully. The East Coast has not been as kind to me, but I’ve also had less time to try.

If we are able to do this, we can buy these plants for pennies on the dollar and then enjoy many years of gorgeous, wonderfully scented flowers in our homes as well as use some as gifts for others. I love ways to save money that smell good! Not only that, they add value to our homes, so when we go to sell them, we might actually get a higher price because of all the flowers growing! Now you know what I meant when I told you this was one of those multi-tasking tips to save money

In addition, I love applying the money I saved to my loan with the lowest balance as we march on together towards our goal to eliminate debt!