interest rate is negotiable. My grandmother used to say, “A closed mouth don’t get fed!” With that in mind, at least make a few calls on each item of debt to attempt to get that interest rate lowered. I’ve helped many to save as much as $200-300 per month.
· Take a close look at the due dates for your bills, since paying a bill late will almost always result in a late fee, and those late fees add up.
Again, budgeting is a mental exercise that starts with a positive attitude. I can teach you the mechanics of how to do it, but I can’t make you believe it will work. I pray you’ll be as positive as you can about this process as you move forward, and soon enough, with enough optimism, you will see that rock start to drip!