Andrew has been helping high net individuals with financial planning since 1996. In his career he has been named one of the top 100 financial planners in the United States and he is a 4 Year Winner from Five Star Professionals.

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2. ANDREW KYRIACOU: SMART MONEY HABITS TO WIPE OUT
DEBT

3. Nobody wants to have debt, but unfortunately, it’s a way of life for too many
Americans of all ages. If you are ready to get rid of your debt once and for all,
there are a number of tips you can follow to make your dream of a debt-free life
a reality. Some great everyday tips are outlined in this guide.

4. PRETEND YOU’RE SPENDING MORE THAN YOU ARE.
One great way to save extra money is to round-up every purchase, either in
your head or on whatever app you’re using to track your budget. If, for example,
your coffee costs $3.50 per day, pretend you’re spending $4.00 and if your
groceries are $200 per month, pretend they are $225 or $250. Then, at the end
of the month, you’ll have extra left over for savings or a rainy day fund.

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6. PAY MORE THAN YOU’RE REQUIRED TO.
You will pay-off your debt much faster if you pay at least 5% more than the
minimum each month. Some people even decide to increase their payments
every month or two, paying 5% more than they have to, then 10% more than
they have to, and so on. You will be amazed by how quickly your debt
decreases if you apply this plan to your life.

7. HAVE MORE THAN ONE ACCOUNT.
One of the best ways to make sure you’re saving and paying all of your bills is
to maintain multiple accounts. Each account should have an express purpose,
like “fun” money, bills, and long-term savings. This is an excellent method to
use if you want to make sure you’re not overspending on extras.

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9. USE CASH WHEN YOU CAN.
Many financial experts recommend using cash as much as possible. This will
prevent you from racking up more credit card debt over time. A good
experiment is to take out $100 in cash for a week. Try to make it last; do this for
a month and see how much extra money you have for your savings!

10. Remember, these are just a few tips that can help you start saving more money
for your future. If you would like to discuss your specific situation, you should
speak to a financial advisor in the near future. He or she will be able to help you
figure out a savings and investment plan that is truly personalized.