<\/p>\n
Paying it off is tough for everyone, but on a low income, it can seem even more difficult.<\/p>\n
If you\u2019re already living paycheck to paycheck<\/a>, or find that after your bills and expenses are paid you have little money left, if any, in your bank account, then the idea of paying off your debt can seem like an impossible feat.<\/p>\n Thankfully, this isn\u2019t the case.<\/p>\n In this post, we cover exactly how you can become debt free on a low income.<\/p>\n Now, we\u2019re not saying that these tips give you an overnight way to eliminate your debt. What these methods do, however, is put you on the right track and get your debts paid off as quickly as possible.<\/p>\n After sharing our advice and strategies for paying off debts, we\u2019re going to cover stories from people who\u2019ve actually paid off their debts!<\/p>\n Whether it\u2019s your mortgage, student loan, credit card, or any other type of debt, there are basically two things that you want to do to pay debts off fast:<\/p>\n Now, below, we\u2019re going to tell you exactly how you can do both of these, and how it\u2019ll help you to use easy and creative ways to payoff your debt.<\/p>\n Paying down debts requires planning and preparation. If you go into the process without a plan, then you\u2019re much more likely to fail.<\/p>\n So, before you start decreasing your outgoings or increasing your income, you need to take a few steps to prepare and plan.<\/p>\n You can\u2019t work towards paying off your debts if you don\u2019t know exactly what comes in and goes out of your account each month.<\/p>\n So take inventory.<\/p>\n You can use a spreadsheet or a Word document to note these things, or an app or pen and paper \u2013 it\u2019s really up to you.<\/p>\n Doing this gives you a great overview of your finances.<\/p>\n It\u2019s a surprisingly cathartic activity that\u2019ll help you to get organized with your finances.<\/p>\n Take a look at the financial document you created, and determine how much you have left over each month to put towards debts.<\/p>\n Doing this helps you to determine how much of your debt you can afford to pay off each month.<\/p>\n You might not have anything left at all \u2013 this is common if you\u2019re earning a low income.<\/p>\n And, that\u2019s where increasing your income<\/a> comes in, but more on that below.<\/p>\n You need to set a goal for paying off your debts. Now that you have a clearer picture of your finances, setting up goals is easier.<\/p>\n If you have $10,000 of debt, then this can seem overwhelming.<\/p>\n That\u2019s the problem that many people have with debt \u2013 they\u2019re so overwhelmed by these big figures that they don\u2019t know where to start.<\/p>\n This is why breaking down that big number, into smaller goals is so important.<\/p>\n Smaller goals seem more attainable, so they\u2019re not quite so overwhelming; they\u2019re manageable!<\/p>\n If you have $10,000 worth of debt, then rather than having a vague goal of \u201cpay of $10,000 in debt quickly,\u201d break the debt down.<\/p>\n Instead, set a goal like \u201cpay $500 off debts each month for 20 months.\u201d<\/em><\/p>\n Think of these small goals as stepping stones toward reaching your main goal of being debt-free.<\/p>\n It\u2019s one thing to have a goal, but it\u2019s another to actually take actionable steps toward achieving it.<\/p>\n Once you\u2019ve set a goal, you need to determine how you\u2019re going to achieve it.<\/p>\n If you earn pretty much the same amount as you spend each month, then your actionable step needs to be to decrease your spending, and\/or increase your income.<\/p>\n In this case, your goal might be, \u201cdecrease recreational spending by $100 and increase income by $300 a month\u201d.<\/em><\/p>\n If you have a little money left over each month, then it\u2019s likely that your actionable step would focus more on increasing your income, so that you have more to put towards debts.<\/p>\n Let\u2019s say you earn $30,000 a year.<\/p>\n So you bring in $2,500 a month.<\/p>\n Your outgoings are $2,250 a month.<\/p>\n This means that you only have $250 left each month to put towards your debts.<\/p>\n If your goal was to pay $500 a month to your debts, however, then you\u2019re $250 short.<\/p>\n In this case, your goal would be, \u201cmake an extra $250 a month.\u201d<\/em><\/p>\n Below, we tell you exactly how you can make more money, and spend less money, so you have more to put towards your debts.<\/p>\n The final tip in our preparation\/planning phase it to take a flexible approach to the whole process.<\/p>\n Budgeting, and paying off debts sometimes isn\u2019t as black and white as we\u2019d like it to be.<\/p>\n Sometimes, the refrigerator breaks, the car breaks down, or the dog needs to go to the vets \u2013 the universe is chaotic and unexpected payments can come up!<\/p>\n You shouldn\u2019t let this derail you.<\/p>\n Just reassess, make the necessary adaptations to your plan, and keep working toward your goals.<\/p>\n A lot of people aren\u2019t flexible enough with their financial goals, but it\u2019s very important.<\/p>\n Now that you\u2019ve prepared and have set goals for paying down your debts, you can put your plan into action.<\/p>\n Below, we cover the two main ways we mentioned for paying off debts:<\/p>\n Although it\u2019s not always possible, if you can, try to decrease your outgoings.<\/p>\n Obviously, certain expenses, like your mortgage\/rent and utility bills can\u2019t be avoided.<\/p>\n Many expenses, however, can be excluded, like the cable, or at least lowered, like your grocery bill.<\/p>\n It\u2019s important to note that if you cut back your spending too much, you\u2019ll make yourself miserable!<\/p>\n Just like when you go on a diet that\u2019s too stringent, if you try to budget too much, you\u2019ll end up slipping!<\/p>\n Here are a few easy ways to decrease your outgoings, while still enjoying the things you like to do.<\/p>\n Cable is expensive. A basic package can cost you $64.41 a month<\/a>.<\/p>\n And you could easily do without it. Netflix, which costs just $7.99 a month, by comparison, features hundreds of movies and TV shows that you can stream.<\/p>\n Check out our post on cheap and free cable alternatives<\/a> and save yourself some cash each month.<\/p>\n Going to the moves can easily set you back as much as $20, with the average ticket costing $9.16. If you love going to the movies, then consider signing up for MoviePass. You pay just $9.95 a month and can view 30 unique movies each month.<\/p>\n Basically, you pay the cost of one ticket, but get a whole month\u2019s worth of movie watching!<\/p>\n Even if you only watch one movie a week, you\u2019d save $26.69!<\/p>\n Read my MoviePass review<\/a> for full details (and a few hacks to saver you even more).<\/p>\n This is an area where a lot of people could easily save cash.<\/p>\n Phone plans from the big four carriers are expensive. In fact, the average Verizon Wireless customer pays $148 a month.<\/p>\n You could end up paying anywhere from $120 to $148 each month with the big four carriers.<\/p>\n If you\u2019re currently paying a lot for your cell phone plan, then consider switching to another provider or plan.<\/p>\n With one carrier, called FreedomPop<\/a>, you can actually get a free cell phone plan.<\/p>\n Also, check out our post on the best low cost and free phone plans<\/a> for more carriers that offer low-cost options.<\/p>\n If you\u2019re not already using coupons, then you definitely should be. They can save you hundreds or even thousands of dollars each year.<\/p>\n According to statistics from NCH Marketing Services<\/a>, consumers saved $3.1 billion in 2017 using coupons.<\/p>\n Statistics from Valassis<\/a> show that by using coupons, 42% of people surveyed saved $30 plus a week, and 30% of people save more than $50 a week.<\/p>\n Trim<\/a> is a really handy tool for anyone who\u2019s looking to save money. It\u2019s a tool that analyzes your accounts to find recurring subscriptions that can be cancelled.<\/p>\n We\u2019ve all signed up for subscriptions to services and found that we no longer use them \u2013 but we forget to cancel those regular payments.<\/p>\n That\u2019s why Trim is so handy; it finds those forgotten subscriptions and, with your permission, will cancel them for you. You could potentially save $120 or more a year.<\/p>\n To learn more about Trim, read our review of it here<\/a>.<\/p>\n Eating out is something that we all enjoy, but it\u2019s so expensive!<\/p>\n You\u2019d be surprised by how much you can save just by cooking at home instead. The price gap between eating at home and dining out is getting bigger. According to federal data<\/a>, the average price of foods eaten at home in January fell 0.5% year over year.<\/p>\n However, restaurant prices actually raised by an average of 2.7%<\/a>, which is significantly higher than the overall inflation rate of 1.4%, during the same time span.<\/p>\n So eating out will cost you more money. We\u2019re not saying that you should never dine out; you have to enjoy yourself.<\/p>\n Like we said earlier, if your budget is too strict, then you\u2019ll likely slip up.<\/p>\n You really need to be eating more at home though, if you want to save money and get out of debt.<\/p>\n Stop eating out at lunchtime, and pack a lunch before.<\/p>\n If you dine out a few times a week, cut it down to just once a week.<\/p>\n Cooking and eating at home<\/a> can save you so much money and it tends to be healthier too.<\/p>\n Exercising is something that all of us should be doing. It\u2019s great for your health.<\/p>\n However, you don\u2019t need a gym membership to do it.<\/p>\n The average gym membership, according to data from Bloomberg<\/a>, costs $54 a month.<\/p>\n In the course of a year, you\u2019re spending $648 on the gym!<\/p>\n According to Bloomberg, by spending $54 a month on a gym membership, Americans who earn the average median household income are spending more than 1% of their yearly income at the gym.<\/p>\n If you earn a low income, then this percentage is even greater.<\/p>\n The average price of a gym membership has risen by 17%, on average, in the past couple of years alone.<\/p>\n We\u2019d highly suggest giving up the gym membership and investing in some low-cost exercise equipment at home.<\/p>\n While you shouldn\u2019t be spending too much if you\u2019re trying to get out of debt, when you do shop, you want to save as much as possible.<\/p>\n That\u2019s why we\u2019d recommend shopping through cashback websites<\/a>, when you do come to buy something. Websites, like Ebates<\/a>, TopCashBack<\/a> and Mr. Rebates<\/a>, can save you up to 40% on everything you buy.<\/p>\n They feature tons of stores, from grocery stores, like Walmart to online retailers, like Amazon, as well as big brands, like Nike and Apple.<\/p>\n One recurring expense that most of us have is the cost of gas.<\/p>\n Who hasn\u2019t gotten gas at one place, only to see it at a much cheaper price at another nearby gas station?<\/p>\n To make sure that you always get the best price for fuel, you should definitely use Gasbuddy<\/a>.<\/p>\n With this app, you can find gas stations near you that provide the lowest price for gas.<\/p>\n You can also get price hike alerts, which allow you to fill up the tank before the price increases.<\/p>\n There\u2019s also a daily draw that gives you the chance to win $100 in free gas<\/p>\n According to GasBuddy, you can save $340 a year by using the app.<\/p>\n Now, once you do get gas at a low price, you want to make sure that you get the most out of it.<\/p>\n That\u2019s why it\u2019s so important to keep your tires properly inflated.<\/p>\n When your car\u2019s tires aren\u2019t properly inflated, it causes a number of problems, such as increased wear on the tires and even a damaged wheel.<\/p>\n However, one of the biggest issues is lower fuel efficiency.<\/p>\n According to The U.S. Department of Energy<\/a>, \u201cunder-inflated tires can lower gas mileage by about by about 0.2% for every 1 psi drop in the average pressure of all tires.\u201d<\/em><\/p>\n Just by keeping your tires properly inflated, the department says that you can improve gas mileage by 0.6% on average, and up to 3% in some cases.<\/p>\n Basically, you\u2019ll get more from the gas you buy just by keeping your tires inflated.<\/p>\n There are plenty of places and ways to get free tire air. To learn more, check out our post on how to get free tire air near you<\/a>.<\/p>\n We mentioned using Gasbuddy to find the best prices for gas<\/a> in your area.<\/p>\n Gas, however, is not the only thing you should compare prices for.<\/p>\n One of the easiest ways to decrease your monthly spending is to compare prices<\/a> for groceries and anything else that you buy.<\/p>\n When you compare the cost of groceries across multiple stores, you can save yourself hundreds each year!<\/p>\n There are a few apps that you should check out:<\/p>\n With this app, you can compare the prices from weekly ads from a variety of local stores.<\/p>\n You get prices for popular stores, like Walmart, Target, Albertson\u2019s, Walgreens and CVS.<\/p>\n With the app, you can also redeem coupons and create and organize shopping lists.<\/p>\n With QuickScan, you can scan items to compare their price across multiple stores.<\/p>\n You can compare products across more than 1,000 stores, including online stores and local and offline retailers. You can also search for prices and product details from a range of retailers, such as Amazon, Walmart, and Best Buy.<\/p>\n Using the app, you can scan barcodes and QR codes. Also, the app features coupons and deals, from stores, like Sephora, Macy\u2019s and Nordstrom and reviews too.<\/p>\n This is another app that allows you to compare prices on a huge range of items.<\/p>\n With the app, you can scan the barcode, QR Code or Microsoft Tag for a product, and then compare prices for a huge range of stores, like Best Buy, Amazon, and Walmart.<\/p>\n ShopSavvy allows you to compare prices by scanning barcodes. You can use the app to find the best prices for items online and at local stores.<\/p>\n There are exclusive deals available too.<\/p>\n Here are a few other things you can do to decrease your spending:<\/p>\n In this section, we\u2019re going to cover ways that you can bring in more money<\/a> into your bank account each month.<\/p>\n This really is one of the most effective ways for paying off debt faster, since the more money you have in your bank, the more you can put towards debt, and the faster you\u2019ll become debt free.<\/p>\n We\u2019re going to start with things that can earn you $100s or even $1000s each month.<\/p>\n Online, you can find work as a data entry clerk<\/a>. You can do this job from home, from the comfort of your bed if you want to!<\/p>\n Here a few places where you can find data entry work:<\/p>\n As a data entry clerk, you\u2019ll be responsible for entering data into documents, spreadsheets, databases or other data management systems.<\/p>\n What\u2019s interesting about data entry work is that for many positions, you don\u2019t need to have any qualifications or experience.<\/p>\n Data entry clerks earn an average of $31,153 a year<\/a>, according to figures from Glassdoor<\/a>, and people report earning anywhere from $11 to more than $18 an hour.<\/p>\n Let\u2019s say you got paid $11 an hour, and worked 5 hours per week, you\u2019d earn an extra $55 a week and around $220 a month.<\/p>\n And, if you worked 10 hours a week, then you\u2019d earn $440 a month!<\/p>\n You can put all of that money towards your debts<\/p>\n Do you enjoy writing?<\/p>\n Do you have a passion for a particular topic? Or perhaps you love telling stories?<\/p>\n If so, you could become an author on Kindle and earn hundreds per month.<\/p>\n You can write a non-fiction book if you want to, which could be about anything from dieting to sewing!<\/p>\n Or, you could write a fiction novel, like a horror novel, crime novel, or thriller novel for example.<\/p>\n Amazon pays you 75% of the royalties \u2013 a very generous split in the world of book publishing.<\/p>\n Being a kindle author can be incredibly profitable, especially if you\u2019re in a good niche, or have a book that becomes a best-seller.<\/p>\n And, figures show that earnings for Kindle authors are increasing.<\/p>\n An income study from AuthorEarnings.com<\/a> on Kindle authors, showed that 9,900 authors are earning at least $10,000 a year from their Amazon US sales alone.<\/p>\n Almost half of those 9,900 authors also earn $25,000 or more each year.<\/p>\n The stats for new indie authors on Amazon are also great. More than 1,080 indie authors, many of whom debuted in the last five years, currently earn $50,000 or more a year.<\/p>\n Some authors have reported earning more than $100,000 a year!<\/p>\n Author Mark Edwards for example, now makes a six-figure income from his books, after decades of rejections from traditional publishing houses.<\/p>\n Mark said<\/a>: \u201cI had a mortgage, two children and one more on the way and had maxed out my credit card and overdraft limit. We really were one unexpected bill from disaster.\u201d<\/em><\/p>\n Mark decided that he\u2019d put up a book that he\u2019d began a decade ago, but hadn\u2019t finished, called The Magpies. The book climbed to number one and became a best seller. He now makes more than \u00a3100,000 ($131,629) a year, has bought a bigger house and has started to save into a pension plan for the first time.<\/p>\n You can get paid to deliver packages for Amazon. You can pick up work when you want to, and take on as many or as few deliveries as you want to.<\/p>\n Check out this post<\/a> to learn more about being an Amazon Flex driver, and how much you can earn.<\/p>\n You can make between $18 and $25 an hour, so if you work 8 hours a week, then you\u2019d earn up to $800 a month.<\/p>\n A company called Wrapify will put ads on your car for free and then pay you just for displaying them!<\/p>\n You get to decide how much you want the car wrapped, whether you just want the doors, or the entire car wrapped.<\/p>\n If you don\u2019t mind displaying ads on your car, then you could make between $400 and $600 a month.<\/p>\n Read our post on Wrapify here<\/a> to learn more about getting paid to advertise on your car.<\/p>\n Shipt pays you to pick up and deliver groceries. It\u2019s a pretty easy way to make a side income. You can take on as little or as much work as you want to.<\/p>\n Read our review of Shipt<\/a> to learn more about working with the company.<\/p>\n Pay is $25 an hour, so if you pick up 8 hours of work each week, then you could earn $800 a month.<\/p>\n There are tons of blogs that pay you to write<\/a> posts for them.<\/p>\n If you\u2019re a parent, you could write for a parenting blog for example, and if you\u2019re a running enthusiast, then you could write for a fitness blog for example.<\/p>\n Here are a few examples of blogs that accept submissions and how much they pay:<\/p>\n Check out this post<\/a> for more blogs and other places that pay you for submissions.<\/p>\n How much you\u2019ll earn depends on how much you get paid per post, and how many posts you do each month.<\/p>\n Let\u2019s say you earn $100 per post, and you write 5 a month \u2013 you\u2019d earn an extra $500 to pay off your debts with!<\/p>\n Help people to learn and get paid in the process as an online tutor. You can tutor students from the comfort of your own home, in subjects ranging from math to science.<\/p>\n For most tutoring positions, you will need to have a degree and sometimes teaching experience as well. Just check out the requirements for the job before you apply.<\/p>\n What\u2019s great about tutoring online is that it allows you to set your own hours. You can work as little or as much as you want to.<\/p>\n Here are a few places to find online tutoring jobs:<\/p>\n People on Glassdoor<\/a> report earning anywhere from $11 to $21 an hour as an online tutor.<\/p>\n Let\u2019s say you earn $16 an hour, and you tutor for 10 hours a week. You\u2019d make $160 a week, and $640 a month.<\/p>\n If you earned $21 an hour and worked 10 hours a week, you\u2019d make $840 a month!<\/p>\n If you have a car and don\u2019t mind giving people lifts, then consider driving for a transportation company, like Uber or Lyft.<\/p>\n You don\u2019t need any special qualifications and can pick up work when you want to.<\/p>\n We have a review of working for Lyft, which you can read here<\/a>.<\/p>\n If you want to drive for Uber, then read our Uber review here<\/a>.<\/p>\n As a Lyft driver you can earn<\/a> from $20 to $28 an hour, depending on where you live. There\u2019s a handy calculator on the company\u2019s website that allows you to estimate your weekly earnings, based on where you live and how many hours you work each week.<\/p>\n Uber\u2019s pay<\/a> isn\u2019t as straightforward and hourly pay can vary a lot. According to figures from Glassdoor, however, the average Uber driver makes $15 an hour.<\/p>\n Let\u2019s say you drive 10 hours a week with Lyft and you earn $28 an hour, then you\u2019d make $280 a week, and around $1,120 a month.<\/p>\n If you drove for Uber for 10 hours a week, then you\u2019d make $150 a week and $600 a month.<\/p>\n If you\u2019d prefer to make money from your car<\/a>, without driving or display ads, then rent it out instead.<\/p>\n This is an easy way to make a pretty substantial amount of money each week. If your car is just sitting in the driveway, then why not make some money from it?<\/p>\n The amount of money you\u2019ll earn depends on factors, such as the value of your car, and how often you rent it out.<\/p>\n Here are a few places where you can rent out your car and how much each one pays:<\/p>\n Let\u2019s say you earn $6,000 a year renting out your car \u2013 that\u2019s $500 a month to put towards paying off your debt!<\/p>\n If you\u2019re a quick and accurate typist, consider taking on some transcription work. You can do it from the comfort of your own home.<\/p>\n All you need to do is listen to some audio, type what you hear, and deliver the transcript and you\u2019ll get paid.<\/p>\n Often, you don\u2019t need to have experience or any special qualifications to be eligible for transcriptionist jobs<\/a>. However, you do need to meet a minimum typing speed.<\/p>\n Here are a few examples of places where you can find transcription work:<\/p>\n Also, you can check job boards, like UpWork<\/a> and FlexJobs<\/a> for at home transcription work.<\/p>\n Earn $7 to $25 an hour<\/a> as a transcriptionist, according to figures reported on PayScale.com.<\/p>\n If you worked 10 hours a week and earned $15 an hour, then you\u2019d make $150 a week, and $600 a month. But, there\u2019s the potential to earn $25 or more an hour, making your income, based on 10 hours of work per week, $250 a week, and $1,000 a month.<\/p>\n Pay does vary from place to place. For example, at Scribe, you\u2019ll earn $5 to $20 per audio hour, whereas at 1-888-TYPE-IT-UP, you\u2019ll earn $36 to $180 per audio hour.<\/p>\n You can make money to put towards your debts by teaching people English online. You\u2019ll teach students of all ages, from a wide range of countries.<\/p>\n For many jobs, you\u2019ll need to have a language teaching certification, like a TEFL certificate, for example. Also, for some positions, you may need a degree. So be sure to check all of the requirements before you apply for a position.<\/p>\n Here are a few places where you can find work teaching English online:<\/p>\n Also, aside from the above companies, another good place to find work teaching English<\/a> is on ESL job boards.<\/p>\n Many companies regularly post listings for English teachers on these boards. Some of these jobs are location-based, but there are plenty of at-home positions available as well.<\/p>\n Here are a few ESL job boards to check out:<\/p>\n There are also general job boards and websites where you can find jobs teaching English:<\/p>\n According to figures from PayScale.com<\/a>, English as a second language (ESL) teachers earn from $12.35 to $39.26 an hour, and the average hourly rate is $20.26.<\/p>\n People on Glassdoor<\/a> give similar figures, with people reporting that they earn $13 to $20 an hour.<\/p>\n Let\u2019s say you work 10 hours a week, and you make $20 an hour. You\u2019d have an extra $200 for paying off your debts per week, and an extra $800 a month!<\/p>\n If you can speak more than one language, then consider picking up some translation work.<\/p>\n There are online translation jobs<\/a> out there that you can do from the comfort of your own home. You\u2019ll earn money for translating a wide range of media, from blog posts to support tickets, to apps.<\/p>\n Here are a few places where you can find work as a translator:<\/p>\n Revision and editing rates are, on average, from 3 to 7 cents a word.<\/p>\n Hourly, the average rate is from $30 to $50 an hour<\/a>.<\/p>\n Let\u2019s say that you earn $30 an hour, and work 10 hours a week \u2013 that\u2019s an extra $300 a week!<\/p>\n Per month, you\u2019d earn $1,200 to put towards your debts!<\/p>\n Another way to make some extra money is by taking on some virtual assistant work.<\/p>\n As a virtual assistant, you\u2019re responsible for tasks, like:<\/p>\n Here are a few places where you can find work as a virtual assistant<\/a>:<\/p>\n Many positions don\u2019t require any qualifications or experience, but some do, so make sure that you check the requirements for the job, before you apply.<\/p>\n According to figures from PayScale.com<\/a>, virtual assistants earn, on average, $15.61 per hour. They can earn anywhere from $10 to $29 an hour.<\/p>\n If you earned $16 an hour and worked 10 hours a week, then you\u2019d make an extra $640 a month!<\/p>\n Many companies and individuals are looking to hire people to write content for them. This could be product descriptions for a store\u2019s website, articles for a websites, or instruction manuals.<\/p>\n If you\u2019re good with grammar and can structure a piece of content well, then you could earn money writing.<\/p>\n You can start out writing for content websites, such as:<\/p>\n You can also work with private clients \u2013 this tends to pay more.<\/p>\n Here are a few places to find clients looking for freelance writing work:<\/p>\n Much of the time, writers are paid per word, but some are paid per hour.<\/p>\n Average hourly pay is $24.70 an hour, but can range anywhere from $10 an hour to $55 an hour, according to figures from PayScale<\/a>.<\/p>\n How much you\u2019ll earn per word varies. For example, some content sites and clients may pay as low as $0.01 per word, and others with pay $0.06 per word or more. So it really varies.<\/p>\n Let\u2019s say you get paid hourly, and make $25 an hour, work just ten hours per week, and you\u2019ll earn $250 a week, or $1,000 a month.<\/p>\nStep 2: See how much you can afford to put towards debts<\/h3>\n
Step 3: Set a goal<\/h3>\n
Step 4: Take actionable steps<\/h3>\n
Step 5: Be Flexible<\/h3>\n
Going debt free without or with not much money<\/h2>\n
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Decreasing your expenses<\/h2>\n
1. Cut the cable<\/h4>\n
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2. Sign up for MoviePass<\/h4>\n
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3. Change your phone plan<\/h4>\n
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4. Become a couponer<\/h4>\n
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5. Use Trim to cancel subscriptions you\u2019ve forgotten about<\/h4>\n
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6. Eat out less often<\/h4>\n
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7. Cancel your gym membership<\/h4>\n
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8. Get cashback<\/h4>\n
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9. Use GasBuddy (And keep your tires properly inflated)<\/h4>\n
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10. Use price comparison apps<\/h4>\n
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Grocery Pal<\/h5>\n
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QuickScan<\/h5>\n
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ScanLife<\/h5>\n
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ShopSavvy<\/h5>\n
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Other ways to save money<\/h4>\n
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Increasing your income<\/h2>\n
1. Pick up some data entry work online<\/h4>\n
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How much can you make?<\/h5>\n
2. Write a book and publish it on Kindle<\/h4>\n
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How much can you make?<\/h5>\n
3. Drive for Amazon Flex<\/h4>\n
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How much can you earn?<\/h5>\n
4. Display ads on your car<\/h4>\n
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How much can you earn?<\/h5>\n
5. Pick up and deliver groceries<\/h4>\n
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How much can you earn?<\/h5>\n
6. Contribute to blogs<\/h4>\n
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How much can you earn?<\/h5>\n
7. Tutor people online<\/h4>\n
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How much can you earn?<\/h5>\n
8. Drive for Lyft or Uber<\/h4>\n
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How much can you earn?<\/h5>\n
9. Rent out your car<\/h4>\n
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How much can you earn?<\/h5>\n
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10. Become a transcriptionist<\/h4>\n
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How much can you earn?<\/h5>\n
11. Teach English online<\/h4>\n
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How much can you earn?<\/h5>\n
12. Pick up translation work<\/h4>\n
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How much can you earn?<\/h5>\n
13. Take on virtual assistant work<\/h4>\n
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How much can you earn?<\/h5>\n
14. Become a freelance writer<\/h4>\n
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How much can you earn?<\/h5>\n
15. Become a freelance editor<\/h4>\n