Take Control With Dutchess Partners
Disclosure ~ This is a sponsored post on behalf of Diamond Bloggers.
Do you feel like your debt is weighing you down? Have you had to use credit cards to pay for daily things like groceries, Dr. bills, gas, kids school activities, and more? Struggling to pay off those high interest rate credit cards and just feel like you are never going to see the light at the end of the tunnel?
Well, I totally understand and I too was right there not long ago. I had made some bad choices in my business and racked up much debt due to it. I struggled for over a year paying what I could and just was not seeing any gain in my financial situation. I finally had to take a step back and look at things and realize I needed help.
There are many ways one can adjust their finances and daily life and I want to share with you what I did to help dig myself out of the hole I fell into.
5 Things I Did to Save Money with Help from Dutchess Partners
- Dining Out – My husband and I stopped eating out. We used to eat out at least 2 times a week. We cut back to date night once a month and that saved us about $500 a month.
- Coffee Fix – I stopped visiting coffee shops every time I left the house. I made my own lattes at home before I left and also brought water with wherever we went. That saved about $50 a month.
- TV – We took a look at our cable/tv bills and cut back on our subscription packages. We decided we needed to spend quality time instead of watching TV. Now we play games a few nights a week. We saved about $40 a month making a few changes with our packages.
- Gas Money – We condensed our “town” trips to just once a week. We live an hour from town and used to go 3-4 times a week. Now, we make a list all week long, and pick one day to head to town and tackle all we need to do, like banking, shopping, errands. This saved us about $50 a month in gas.
- Consolidate – We sat down with all our credit card bills and signed up with a consolidation company like Dutchess Partners to lessen the stress of the outgo of payments. That cut our monthly payment by about 50% and cut our interest rates too. This saved us about $500 a month, and our credit cards were paid off faster with less interest going out.
What Did We Do With The Money We Saved?
My husband and I love to travel and for the last 15 years have been traveling at least 2 times a year. We usually drive to where we want to go as we love to spend quality time together as well as sight see. But, we are thinking that since we were so good about paying down our debt, and putting money in the saving that we might just hop on an airplane and fly to our favorite place this April.
We love Florida, and spending a week in Lauderdale by the Sea is just what we need. Making changes financially can be stressful just because you have to retrain yourself on daily things. But, we are both very proud of what we did and honestly have to say we are healthier because we stopped eating out and started cooking together and enjoying healthier choices at home.
We Feel Better and More In Control
Money is one of those things that can be a huge stress issue for many. When you have bills, or car repairs, or medical issues, or whatever, it all starts to pile up and when you can’t make more money but in your daily life you have to spend more, that is when the credit cards come out and we start telling ourselves, just this once.
I can’t tell you how many times I said, I’ll put our groceries on the card, just this once, and pay it off right away. Right away never comes. Instead, it happens over and over because bills come before groceries and we still need to eat so out come the credit cards.
Both of us feel as there is a weight lifted off our shoulders. We never did argue about money, but we both could feel the tension in our marriage due to money. I think not having the looming credit card debt over us has made us both happier.
A debt consolidation option can help in your stress, and in turn with your life and how you feel about things. At least it has for us.
Planning for Retirement
My husband and I are getting to the age where retirement is just around the corner. My husband can retire at age 55, so we are looking at him being retired in 2021. January of 2021 we are hoping to get into our RV and head south. We live in Minnesota and really dislike the winters and just want to go where we can enjoy warm weather for 4-6 months.
Planning for retirement has been on our minds for a while now, and because of the credit card debt we had it just seemed we were going to go into retirement still making huge payment. Nope, we will be good to go. We will have a stress free retirement so we can concentrate on what’s important, Us!
Final Thoughts about Dutchess Partners
There are many things a person can do every single day to help save money. I shared my top 5 things, but we also did many other things that were just simple. Like, if we needed to buy something for the house or a vehicle we always shopped around until we found good deals. I used online shopping sites to make sure I earned money while shopping online at the lowest prices.
We also checked around at local banks and refinanced our vehicle loan to get a better rate. We had a 9.8% finance rate and got it down to 2.8%. It was a local deal our credit union offered so we couldn’t pass that up.
When we do eat out, we always use a coupon or go to a place where we have a points card. We have also looked restaurants in our area and then checked out their websites and joined reward clubs they have to get coupons.
Life happens, and that is something we all have to just realize. Don’t beat yourself up for financial mistakes. Learn, more forward and fix. There is help, you just have to be willing to ask for it, and take the correct steps to achieve it. Dutchess Partners is the solution for your finances.
It’s time to take control of your finances!