Break the broke cycle

I am not rich, I just break even every month, but if it wasn't for me changing my mind set, and doing something different then I would never be where I am today.

These are a few tips of what I have done, and are doing currently to help, I hope it helps you too.

Tip #1 - You have to have multiple incomes (relying on only one income will seriously do you harm in the future). I am working full time, and I am a business leader for both Avon and Tupperware, and I also sell Avon, Justine and Tupperware.

Tip #2 - Stop eating take outs, we used to eat take outs almost every weekend, both Saturday & Sunday, we only do it now maybe once a month

Tip #3 - Make a budget, get an excel sheet and write on there exactly what you are earning, and what you are spending, then see where you can cut back on.

Tip #4 - Google or check on market place or in Facebook groups in your area for more cost effective items/groceries/toiletries to see where you can save.

Tip #5 - Put away any commissions or extra cash you get through the month and add that to your budget at the end of the month.

Tip #6 - Eat before you go shopping, yes this may sound strand, but if you go shopping on an empty stomach, then by the time you get there you are starving, and you buy things you don't need.

Tip #7 - Try shop for groceries online, you can share delivery costs with friends or family or neighbors and it is falling off what I just said, you won't buy unnecessary items while walking around in the shop - plus with covid you avoid becoming exposed, it is a win, win.

Tip #8 - Cut down on excess, so if you buy 20 packets of chips or 10 bottles of coke / alcohol a month, cut that in half, if you smoke every hour, try hold out for 2 hours.

Tip # 9 - Invest in Tupperware fridge smarts, you will cut down on throwing away fruit and vegetables which in turn will save a lot of money every month

Tip #10 - and this is only if you are in dire straits, go under debt review, (and no you won't die), I have been under debt review and if you have debt and credit cards and your hair is about to fall out then it is a great option, it forces you to not make more debt, PLUS, you only pay roughly half of what you are paying off currently.