Using Your Cell Phone As Part Of Your Debt Elimination Plan
One of the easiest of credit card debt elimination plans is to journal all of your expenses than track them throughout the month. At the end of the second month, you will have a pretty good idea of where all your money is going.
Usually this is done in a notebook. But, if you can’t be bothered with a notebook, use your cell phone to keep track of your expenses. If your cell plan offers free text messaging, send yourself a text message every time you buy something.
At the end of the day, you can read your text messages and enter the information into a spreadsheet. If you can reduce your average credit card debt, all this record keeping will be well worth the effort.
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