Pack one suitcase inside of another. Almost every traveler comes home with more stuff than they left with. Whether souvenirs for friends and family or a shopping trip to take advantage of a good exchange rate, it can be difficult to get everything back home. Consider packing your belongings in a small suitcase, then put that suitcase into a larger one. This way you only pay for one bag on your trip out, and have the convenience of bringing two back when you return.
To help with personal finance, if you're normally a frugal person, consider taking out a credit card which you can use for your day to day spending, and which you will pay off in full each month. This will ensure you get a great credit rating, and be much more beneficial than sticking to cash or debit card.
Take a look at your investments. If it's been a while since you did any financial shifting of assets, it might be time to do that. With the changes in the economy, what used to be a good safe bet, and what used to earn lots of interest per year, has changed.
Don't assume you need to buy a used car. The demand for good, low mileage used cars has gone up in recent years. This means that the cost of these cars makes it hard to find a good deal. Used cars also carry higher interest rates. So take a look at the long term cost, compared to an entry level new car. It might be the smarter financial option.
Your cell phone is an expense that can vary, depending on the frequency of use. If there are applications or programs that you do not use on your phone, cut these out immediately. Payments for services that you are not making use of, should be eliminated as soon as possible to reduce spending.
If your employer offers a match to your 401K, make sure you're contributing at least the amount they match. When an employer offers to match your funds, they are essentially giving you free money. The money you contribute will help you reach retirement goals and is tax free. It's a win-win situation, all around.
If you are planning on not paying a bill this month, don't let it be your insurance premium! In as little as two missed payments you could find your insurance coverage canceled. If you're already facing financial difficulties, this will NOT be the time to have to pay for any accident that happens out-of-pocket!
You should fix anything that is broken when you are getting your house ready for sale, but do not rack up huge charges on your credit card. Any expensive charges might affect your qualification for your next mortgage. Find an economical way to make repairs effectively without doing anything fancy, and try to pay with your savings.
Although organizing your finances can be a daunting task, you can reach financial stability if you employ patience and invest some time. All that is really required is research and sound financial advice. Use the tips above to aid you in getting your finances right on track.