• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar

National Debt Relief

National Debt Relief - A+ BBB Accredited Business - Get Relief From Credit Card Debt, Medical Bills And Unsecured Loans

Talk to a debt counselor toll free:

800-300-9550

Get Relief From Credit Card Debt

Medical Bills and Unsecured Loans

  • Apply Now
    • Qualifications
    • Is This Right For Me?
  • Proven Results
    • Debt Relief Benefits
    • Credit Card Debt Relief
  • Debt Relief
  • Credit Card Debt Relief
  • Debt Consolidation
  • Login
HomeBlog BlogStop Those Bad Spending Habits
Video Transcript

Free Debt Consolidation Quote

By clicking "Get Free Quote", you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls, as well as text/SMS messages). Msg. and data rates apply, and your consent to such contact is not required for purchase.
  • National Debt Relief, LLC BBB Business Review
  • McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

Stop Those Bad Spending Habits

August 3, 2012 by National Debt Relief

Man throwing money awayDid you know you could be spending nearly $25 a week or $100 a month on “those little expenses” that’ don’t count?

What I mean by this is all those miscellaneous expenses like food from that vending machine at work and drive-through beverages.

They do add up

If you’re budgeting or just trying to save money, it’s easy to concentrate on the big stuff like your grocery bill, auto insurance or entertainment, and lose sight of the little stuff. But let’s suppose you get a drive-through coffee on the way to work every morning for $2.00 and something to eat once a week for $3.00. Let’s also suppose you get a snack from the company vending machine once a day for $1.25. Add these all up and that’s $19.25 a week or $77 a month. Just imagine – $77 a month out of your budget that may never have occurred to you. You might have a tough time cutting your auto insurance by $77 a month but look how easily you could save this much just by stopping those bad spending habits.

What to do instead

I understand that you just can’t get your day started without coffee but you could make it at home and take it with you. Twelve ounces of Folger’s Black Silk coffee (which is comparable to Starbuck’s French Roast) costs about $6.50 where I live. Since there are roughly two tablespoons in an ounce of coffee, you should be able to make at least 20 cups of Black Silk coffee at home for about 32 cents each, a savings of $1.68 vs. that drive-through coffee.

Take a snack with you

You could also save money by taking an afternoon snack with you instead of hitting the company’s vending machine. I like to add some M&Ms to dry roasted peanuts, pop them into a sandwich bag and presto! I have my own trail mix to take to work and it costs just pennies vs. a vending machine candy bar.

Are you tracking all your expenses?

There’s just no way to create or stay on a budget unless you’re tracking all your expenses, including the little stuff like that drive-through coffee. I understand that tracking all your expenses can be a real chore. Fortunately, there are software programs and smartphone apps that will take some of the pain out of this.

iPhone apps

If you have an iPhone, you could get the Mint.com app. It not only helps you record expenses, you can use it to create and manage your budget and even keep track of your credit cards and investments. Plus, it’s free. Other expense tracking apps available for use on the iPhone include Expenditure, Moneybook and Toshl.

Android, too

If you have an Android phone, no problem. There are also expense tracking apps for Android-based phones. Hello Expense is said to be simple and reliable. EasyEnvelopes has had good reviews and Mint has a version for Android phones.

Put the professionals to work

If you’re having a really serious problem with debt, why not put our professional debt counselors to work? They have years of experience working with creditors to get debts reduced–sometimes for just a fraction of what’s owed–and to develop affordable payment plans. Plus, we charge nothing up front. In fact, you don’t pay us unless we negotiate a payment plan that you approve. If not, you can just walk away and lose nothing for having let us try.

Do you qualify for debt consolidation?

National Debt Relief
National Debt Relief

National Debt Relief is one of the largest and best-rated debt settlement companies in the country. In addition to providing excellent, 5-star services to our clients, we also focus on educating consumers across America on how to best manage their money. Our posts cover topics around personal finance, saving tips, and much more. We’ve served thousands of clients, settled over $1 billion in consumer debt, and our services have been featured on sites like NerdWallet, Mashable, HuffPost, and Glamour.

Follow National Debt Relief: Facebook Twitter Instagram Linkedin

Primary Sidebar

Consolidate Your Debt!
Find out how NDR could help.
  • Get one low monthly payment
  • Avoid bankruptcy
  • Get out of debt in 24-48 months
Get Your Free evaluation
Free Debt Consolidation Quote
By clicking "Get Free Quote", you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls, as well as text/SMS messages). Msg. and data rates apply, and your consent to such contact is not required for purchase.
 Trusted By Our Clients

"Assistance with debt relief"

I am just glad that National Debt Relief is able to help me get rid of my debts. The lady who helped me over the phone was really nice and helpful. I am tired of having the debts I need help with over my head, because I was afraid I would never pay be able to pay them off.

Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating

Nora Ellen Vickroy
ConsumerAffairs Reviews

Latest Blog Posts

  • How To Write The Perfect Salary Negotiation Email
  • How To Go Back to School as an Adult
  • Is It the Right Time to Ask for Raise?
  • How To Turn A Summer Gig Into A Full Time Job
  • Debt Consolidation: 7 Tips on How to Pay Debt Off
National Debt Relief, LLC BBB Business Review AFCC Top Ten Reviews Gold Top Consumer Reviews Consumers Advocate Trust Pilot
Company
  • About Us
  • Contact Us
  • Blog
  • Careers
  • Corporate
  • Privacy Policies
  • Terms Of Site
  • Disclaimer
  • Sitemap
Products
  • Debt Relief
  • Credit Card Debt Relief
  • Debt Consolidation
  • Debt Settlement
  • Calculators
  • FAQs
Debt Resources
  • Credit Card Debt
  • Bad Credit
  • Medical Debt
  • Personal Loan Debt
  • Unemployment
  • Divorce Debt
  • Retiree Debt
  • Veteran Debt
  • Business Debt
  • Personal Finance
Follow Us
  • Facebook
  • Twitter
  • Linkedin
  • Instagram
  • Pinterest

© 2021, National Debt Relief, All Rights Reserved.

Disclaimer
Disclaimer
Disclaimer