If you’re broke, the first step to getting out of debt is to curb your spending. Does it suck? Of course it sucks. But what sucks more is being broke and having little to no options if you get an emergency medical bill, need an unforeseen car repair, or suddenly have to move. You already know that you’re going to have to give up your skinny soy latte, so here are a few other ideas to get some cash back into your account.
1. Gel manicures and pedicures. Sure, you feel like you deserve it, but is it worth it? If you have a special occasion, interview, or presentation coming up, sure, splurge on a mani-pedi. But know that gel manicures and pedicures damage your nail beds as well as promote bacteria growth—and if you’re getting UV gels, you’re also doing sun damage to your hands and feet.
2. Fashion magazines. They’re overpriced and will just convince you that you’re inadequate and need to buy more things to fix yourself. You’re not inadequate. And let’s be honest, if you were, no amount of purses or designer labels would fix that.
3. The newest iPhone. How shallow are you? If you really need a new phone, opt for a model or two earlier and save a ton of money—plus save yourself the glitches that newer models haven’t worked out yet.
4. Smartphone data. Use your WiFi setting!
5. A gym membership. Get weights, hop on YouTube for tutorials, and work out at home.
6. Gifts. Real friends will understand.
7. Cigarettes. Save your money and your life. And the rest of us from your air pollution, you selfish monster.
8. Groupon deals. Groupon is great if you’re in the market for a specific thing and they have a deal. But if you’re buying something just because it’s on Groupon, you’re not actually saving yourself any money.
9. Vacations. Sorry, but if you can’t make rent, you can’t stay a hotel in the Bahamas for a week with your buddies.
10. Dining out. Learn to cook—or invest in a microwave and Lean Cuisines. Your wallet and your waistline will thank you.