Debt Management Part 3

Budgeting and planning are crucial to getting your debt under control. Saving for emergencies is also essential.

You can permanently save money and time if you cook from scratch at home. Invest in a crockpot, an air fryer, and a rice cooker (try your local thrift store), and you can cook dinner within 30 minutes. 

Replace light bulbs with LEDs and replace old appliances with Energy Star models. It is best to return these items only when the old ones are useless or you have the money to prevent adding to the landfill. Invest in a water heater that only heats the water you need when you need it, so it's not always running. 

Save money and paper by using the Public Library. Most libraries now allow you to borrow books electronically. Overdrive is a digital distributor of eBooks, audiobooks, online magazines, and streaming video titles, available for free through some libraries.

BONUS TIP FOR OUR GRANDMA'S DAY: Dry Your Clothing on the Line – You may be amazed how much you will love the smell of your clothing when it is line-dried. It depends on where you live and the weather, but it can be a great way to save energy plus get delicious-smelling clothing

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