==== ==== Thrifty Living Info You Need to See Visit: Thrifty Living ==== ==== By John T Jones, Ph.D. This article tells you how to get out of debt in a systematic way. Most Americans are in debt to some extent especially if high educational cost occurred. Medical expensive can devastate a family as can loans generated to buy a too expensive home. Most folks generate debt because they don't realize that they need to manage their income by using a budget to control expenditures. Some unfortunates do not have enough money to live above the poverty level. They need vocational guidance and training to change that situation by obtaining betterpaying employment. Many newly weds are not equipped to deal with financial matters. They have no training in such matters and they actually have little interest in the subject. Then they find themselves in debt, start arguing about finances, and too many of them break up. Financial problems are a major cause of divorce. I was born in the worst year of the Great Depression so I watched my folks struggle to take care of seven children. Strangely they never argued about finances or anything else. The depression brought on poverty but both of my parents were raised in poverty. Dad was an accountant and he gave my mother whatever money he could spare to operate the household. As they came out of the depression they stocked up on food supplies and increased food canning activities. They were always afraid that the depression would come back. My son and his wife are raising 15 children several which are married and attending college. They must regulate their money. My daughter-in-law was a farm girl so they produce a large amount of produce which they preserve. I suggest that they add fruit trees to their two acres and so now thy are producing fruit. I live on a city lot but I have eight fruit trees. Usually I get a good crop but last year we had a late freeze and I got only peaches from one protected tree. I don't can but sometimes my daughter-in-law cans for me. If you can produce some of your own food you will not only have lower food cost but you will have better food. I store food in case of an emergency. I always by major items by the case to cut cost. I store some wheat but I have never had to use it. I also store beans and other items including soap. I recently planted some grape and berry bushes. I'm 79-years-old but I still look ahead. When we are gone whoever buys are property will have the benefits of our efforts to produce food. I don't have a lot of room for a major garden such as my son has. But I do raise tomatoes and sometimes other items. I plan to increase vegetable production in the future. Many folks shop at big box stores to buy groceries and such. I find the packaging fine for big families and businesses but I don't need twelve jars of anchovies. So I don't find those stores as convenient as discount grocers. Some people save by using coupons. They clip them and save then and before they go to the store they make a list of what they are going to buy and pull the coupons as needed. You can make significant savings in this way. Just don't buy because you have a coupon. You might buy one of those cardboard folders to keep your coupons.
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