Small ways to save money and pay off your debt

Small ways to save money and pay off your debtSaving money is tough these days, especially for those who are living paycheck to paycheck. But the truth is, there are ways you can cut back without drastically changing your lifestyle, allowing you to save more money to pay off debt so that you better qualify for car loans, mortgages and other lines of credit.

Those who get their hair cut once every six weeks should wait a couple extra weeks for their next appointment, meaning you pay for less appointments throughout the year. Consumers can do this with manicures as well – indulge in the treatment and then change nail polish on your own for a few weeks.

Spend less at the dry cleaners. While many clothes you wear for work do have to be dry cleaned, avoid the temptation of having someone else do your laundry and only take the necessities in for someone else to handle.

Also, alternate transportation can be a godsend for people on a budget. Rather than spending hundreds on car payments every month, take the subway or ride a bike to your destination. Try not to give in to cab rides, either, as they can become quite costly with habitual use.