The Farm Wife

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Tip 6 – Financial Balance

Get into the habit of paying the bills on time. Those late fees will stretch your budget until it looks like a squiggly river with no end, and can easily make you feel like you are drowning in debt. I work hard to pay each one as it comes in the mail, but there are days when I have no choice but to pay them on payday.

One thing I have learned is to be careful with the ‘pay by phone’ convenience. Our electric company charges $1.85 each time I pay by phone, which equals $44.88 a year, with two electric bills. Instead, I mail it, and apply that money towards another bill, or on something I really need. Also take this into consideration – just because you have a coupon, doesn’t mean you have saved any money. Do the math. There may still be another brand cheaper.


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