Best Ways for Atlanta Consumers to Lower Debt During the Holidays

We all know that saving money means spending less - that's just simple math. But where you choose to make the cut is up to you.

If you're anything like most Americans, you're a little worried about how you're going to make it though the holiday season without bleeding money. And ultimately you've got a couple choices, say Atlanta bankruptcy attorneys. You can pare back on Christmas costs - maybe spend less on presents, opt for a potluck instead of a gift exchange or stay away from the stores altogether. Or you can indulge within reason and cut back costs elsewhere to make up the difference. In fact, if you play your cards right, you may even be able to come out ahead when the holiday festivities are all said and done.

For instance, how about reducing energy costs? Swapping your old lightbulbs for energy-efficient ones, turning down the temperature on your water heater and thermostat and using cold water in the washing machine are small changes that can add up to big savings over time. So can taking shorter showers and hanging the laundry out to dry (when it's not raining, that is).

Then there are the luxury expenses that we treat as necessities, like the cable bill. Now I'm not saying you should go without TV - just that you shouldn't have to pay for it. Nowadays we have options like Netflix instant play, iTunes and Why pay $70 a month when you can get most of your favorite shows for cheap - or free? Speaking of eliminating bills, why have a land line when you're already paying for cell phone service? If you don't feel comfortable getting rid of a home phone, consider low-cost options like magicJack or Skype. Or simply call up your phone company, tell them you're considering cancelling because your service is too expensive and see if they'll offer you a deal - perhaps a lower bill or a bundle that includes Internet service as well.

Making several of the above adjustments can potentially save you $50 to $100 or more a month. But they're just a few of many cost-savers - including the big one, bankruptcy. If you're overwhelmed by debt, filing for bankruptcy can provide a fresh start - and all for just $300. For that price, you'll find foreclosure protection, a way to eliminate debt and professional advice along the way. Still not sure if bankruptcy is right for you? Try a free, no-strings-attached personal debt analysis with an Atlanta bankruptcy attorney today.

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