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 Do not unnecessarily run up electricity/gas/oil and water/sewer costs. You want to show due diligence in how you use your home’s utilities.

• Sell your vehicle(s) if you can. Use public transportation, walk or bicycle to your destinations.

 

• If you must own a credit card, please own one and only one with a low credit limit (less than $2,000, preferably less than $1,000). Use the credit card for large expenses only such as reserving hotel/motel rooms. Always pay your balances in full and on time every month.

 

• Use cash (preferred) or debit cards for your grocery shopping, entertainment and clothing purchases. You will know that your items will be paid for in full with no interest (or other bills) accruing. Additionally, buying items in bulk such as toilet paper, paper towels and non-perishable food items will save you money and commute time. When you buy perishable food items, purchase only what you need for the time being or freeze them for future use.