It seems that carrying a lot of debt has become a relatively normal and acceptable thing these days. After all, it's so easy to do. Figuring out how to eliminate a debt is the hard part. We have all been through it at some point in our lives haven't we? You all know how it happens. Sign up for that seemingly great credit card deal with a super low APR, and start looking for all sorts of things to purchase with it.

The problem is that getting the card and using it before you even receive it in the mail is way too easy. Spending money has become so convenient that most people don't give it a second thought. Just swipe your card, and you're good to go.

I'm also read somewhere that some phones are capable of interacting with the card reader at stores now. Wow, now it's not even necessary to carry your credit cards with you! Its madness! No wonder so many people struggle with excessive credit card debt.

Ways to Save Money on a Tight Budget

Finding ways to hold on to our money has become tougher and tougher with each passing year. It sometimes seems impossible to keep up on bills and still have money to live on. So where do we turn? Everywhere we look financial professionals are telling us to save and invest, but how is that possible with so little money in our accounts? Investing in ourselves seems like such an unreachable goal.

Let's talk about a few ways to save some money where there appears to be nothing extra. Most of us have been in this situation, and some of us still are, short on cash and barely hanging on to the few things we have. So what's the problem? Are we broke because we don't make enough money? Sometimes this is the case, however, by changing the way we go about using our money, most people will quickly realize that there is enough there when used correctly. Just a few simple changes in routine can make figuring out how to eliminate a debt achievable by finding the extra money that is lost in the shuffle.

1. One of the easiest ways to save money on a tight budget is so simple that it is usually overlooked. I'm talking about food. Where do you get yours? Are you someone who likes to go out for lunch everyday? Do you go out for dinner? Do you actually know how much money you spend per month eating out? The first step to saving a lot of money is Cooking! Your dollar will go so much further at the grocery store than at the restaurant. Plus, cooking can be one of the more enjoyable things you do during the day. There are so many great recipes out there that its pretty tough to get bored with it. Now that you're cooking for yourself, you not only have a great dinner every night but also a lunch for the following day! If you get serious about this you could easily save yourself maybe even a couple hundred bucks every month. There's one way to pay off some of that credit card debt.
2. Another way to save some extra money is to change the way you think about what you are buying. So many people are quick to make a decision to purchase something when in fact it may be something that isn't really needed at that time. Here's another one of the ways to save money on a tight budget, Wants and Needs. By taking a few minutes to think about what you are about to buy before you actually make the purchase, you are giving yourself a chance to decide whether the item is truly a need, or just a want that you think you need. This is very important as it can save you a fair amount of money each month by cutting down on luxury items. As nice as it is to go out and buy some of those things, remember, most of them are not needs, and therefore can be purchased at a later time when money allows. By taking the time to determine your wants and needs, you can also save some extra money to help cut down on that credit card debt.
3. Here is one more way to save money on a tight budget. This tip for managing your money has been around for as long as I can remember, and probably as long as you can remember too. Think about this for a moment. When you were a kid and went somewhere with your parents, maybe to a ball game or out to eat, how did they pay for it? The same way their parents did and their parents' parents. They used good old fashioned Cash! That's right, real money. You see, when you buy something with a credit card, it's very impersonal. It is so easy to just swipe it and forget it. Try this, give yourself an allowance each payday. I'm talking a reasonable one, not most of your check. Go to the atm and physically withdraw your "allowance" for the week. Now, when you need something, only use the cash you have on hand. Make that allowance last until your next payday. You'll find that it is a lot harder to spend money when you have to physically give it away. It becomes personal because you can see it and feel it and thus, it becomes harder to let it go. I would bet that after a month or two you will become very frugal with your allowance and create savings by not wanting to give it away for small things like coffee, for instance.

I truly hope these tips on how to eliminate a debt and ways to save money on a tight budget come in handy for you. The feeling of hopelessness that accompanies those that carry a lot of debt can be herd to overcome. Try these tips to help free up some extra money so you can start making a dent in those credit card bills.

You can also get help paying credit card debt. There are many programs available to those who suffer the incredible burden of overwhelming debt. Debt settlement, debt consolidation and debt negotiation are some of the examples of help that is designed to save you money while getting your debts paid. The first step is choosing the best credit card consolidation company and giving them a chance to help you. Admitting there is a problem is a huge hurdle to overcome as many of us would rather try to fix it ourselves. However, when it comes to debt settlement, it's best to let the professionals handle it.

Good luck and Best Wishes!

Chad