How the Debt Free stay Debt Free

Debt Free

People who don’t owe a penny to anyone tend to stick to similar practices to remain debt free. These habits can be instrumental in managing finances responsibly.  If you are looking to eliminate debt, consider adopting some of these same habits.

They control their spending.

People who stay debt free know where their money is going each month. Because they track income and expenses regularly and have a budget, they know when they can spend and when they can’t. They are able to resist impulse purchases because they focus on their long-term financial goals.

Debt free
They save what they can consistently.

Whether they can save a lot or a little, individuals with no debt save what they can.  Saving a little bit consistently can add up to a lot.  Automating savings is helpful.  Most bank websites and apps give you the ability to schedule regular transfers to a savings account.

They leave a little wiggle room.

People who remain free of debt develop a budget that can be flexible.  Maybe they want to have a celebratory dinner out but don’t have money in their food budget for that.  They can decide to take that money from somewhere else in their budget.  Perhaps they don’t buy any clothing that month or maybe they move money from their entertainment budget.  A ‘Miscellaneous’ category in your budget is a great way to have some flexibility.

When an emergency arises, they are prepared.

If their car breaks down or a medical expense shows up, debt free folks are ready for it.  They have an emergency fund that is never touched except in an emergency when there is no room in their budget to cover an unexpected expense. A good way not to be tempted by money in the bank is to open a separate savings account exclusively for an emergency fund. 

They budget and track finances regularly.

By keeping track of their expenses regularly (sometimes even daily), those who are debt free stay on top of where their money is, what they have available to spend, and what expenses are coming up. Being in the habit of tracking expenses and budgeting is a key feature in becoming debt free, and it will help people remain debt free in the long run.

Those who are free of debt consistently look for ways to manage their money, and they stay disciplined. Sticking to budgets, saving some money each month, and planning for emergencies are just a few of the habits that can help you join the ranks of the debt free!

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25 Ways to Save Money

ways to save money

Want to be in a better financial position?  Want to save money, but don’t know where to start?  Here are 25 simple ways you can start to save money today.

  1. Create a budget, track it daily and stick to it
  2. Spend Cash only, don’t use credit or debit cards
  3. Use the library or library app instead of buying books
  4. Cook your meals at home
  5. If you don’t know how to cook, learn from a friend or find easy recipes online
  6. Pack your lunch
  7. Keep snacks in your desk drawer instead of visiting the vending machine
  8. Buy a travel mug and make your own coffee at home
  9. Visit yard sales
  10. Shop at thrift stores
  11. Shop your auto / home insurance around for a better deal
  12. Automate your savings
  13. Use a grocery list and stick to it
  14. Plan meals ahead of time
  15. Plant a garden
  16. Sell your clutter online or have a yard sale
  17. Use coupons – some stores have online coupons if you use their apps
  18. Get rid of expensive cable TV
  19. Have a family movie night-in rather than going to the theater
  20. Plan ahead and holiday shop early
  21. If you get an increase in salary, put the extra into savings
  22. Save loose change in one spot
  23. Get rid of your gym membership and work out at home to online videos
  24. Check your bank account daily and avoid overdraft fees
  25. Remove the overdraft option from your checking account altogether

Managing money and achieving financial security may seem like an obstacle course. But the rewards of successful savings makes it worth it. With these 25 money-saving tips in mind, you’ll be better-equipped to make progress on your financial journey. All it takes is a plan, dedication, and the knowledge to make it work. With these suggestions in your back pocket, you can make sure your savings goals are met.

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Clean Your House for Less

clean your house for less
Cleaning your home is a necessity, but sometimes the expense associated with cleaning supplies can add up quickly. Thankfully, there are a few simple ways to save money on taking care of your home, without sacrificing results. Read on to find out the best tips to help you keep your home and laundry clean while also keeping more money in your wallet.


Make your own Laundry Soap

Look online for simple recipes with fewer than 5 ingredients.  Often, you’ll only need to buy the ingredients 2 or 3 times per year!


No need for Fabric Softener

Purchase wool dryer balls.  They’ll last a long time and cut down on drying time (saving energy & money!).  Or search online for easy recipes based on vinegar or hair conditioner.

Homemade Cleaning Products

Cleaning products, especially brand name ones can be expensive.  Make your own at home using simple ingredients.  Bonus, they can be less toxic and more environmentally friendly!

Stop Buying Disposables

No need to buy disposable cleaning wipes or pads.  Purchase reusable fabric pads online instead of Swiffer.  Buy washable microfiber cloths instead of wipes.  (Just remember to only launder microfiber with microfiber, never any other fabric.)

No More Paper Towels

It is easy to use a lot of paper towels.  But you don’t need to.  Go to yard sales or thrift stores and purchase a bunch (think 20 – 30) old washcloths (or microfiber cloths).  Keep a stack of them in the kitchen and in the bathroom for cleaning and wiping up spills.  Throw them in the laundry and use the over and over.

The magic of Vinegar & Baking Soda

Not together, of course!  There was a time before brand name scientifically created cleaning products were around.  Baking Soda and Vinegar were staple cleaning supplies.  Check out this article with 45 ways to use Baking Soda to clean around the  house.  From clearing clogged pipes to cleaning your coffee maker, this article shares numerous ways to clean with Vinegar.


Keeping a clean home doesn’t have to break the bank. Armed with these helpful tips to save money on cleaning supplies, you’ll be able to keep your house and clothing clean without having to pay full price. There are plenty of methods to explore. With a little bit of research and time, you can make the cleaning process a lot easier on your bank account.