Thomas Moran Cliffs of Green River painting

Thomas Moran Cliffs of Green River paintingThomas Moran A Pastoral Landscape paintingThomas Moran View of Venice painting
While Step 1 asked you to find ways to cut back on spending immediately, there are longer-term changes you can make that will have a big impact on your spending. For example, you could trade in your large car or SUV for a smaller, less-expensive car that gets better gas mileage. You can eventually move to a smaller home and get rid of a lot of the clutter in your house that requires a lot of space. You can work at cooking at Home more instead of eating out, brown-bagging it to work instead of having expensive lunches, making your clothes last longer instead of buying new clothes all the time, and deciding you don’t really need the latest computer, TV, video , or smart phone — the ones you have work well enough already. These changes may take time, but a commitment to scaling back can pay huge dividends over time.
5. Make sacrifices and buy on cash. This is an extremely important habit that may become the keystone to this entire plan. While many people buy on impulse and put purchases on credit cards so they can have it now, that’s rarely necessary. Rarely do you really need to make a purchase right away. A much better habit