budget freeze

Kickstart Your Savings or Debt Repayment Plan with a 30-Day Spending Freeze

Trying to pay down credit card debt?  Want to beef up your vacation savings or your emergency fund?  A month-long spending freeze is a great way to jumpstart any savings or debt repayment plan.    Basically, a one-month “spending freeze” works like this:  For one month, you only spend money on things you actually need, such as food, rent or mortgage, and utilities.  You cover your basic needs, and...