1. Track Spending
With almost everyone having a mobile phone these days (with access to the internet), one of the things you can do to save money is by canceling your home phone.
Some of the top high-interest savings accounts include the following:
2. Open A Bucket List Savings Account
Another great money-saving tip is by creating a budget. Not only will it help you see where your money is going, but you’ll also feel more in control of your finances.
Whether you’re shopping for new auto insurance or looking to ‘upgrade’ your current life insurance, having a look at any of your insurance policies each year will help you see if you need to make changes to them based on your financial situation.
3. Get A Travel Rewards Credit Card
Just make sure you read the fine print and do your homework, many 0% credit cards have transfer fees involved. So, you’ll need to calculate whether the fee is worth the interest savings.
Credit cards can be a great and convenient means of paying. However, it is something you should avoid when it comes to paying monthly bills (unless as a last resort). Aside from processing fees, there’s also the risk of having more interest by not being able to pay off your credit when something unexpected happens.
4. Sign Up For Travel Loyalty Programs
You can save a ton of money by cooking your own meals. This is how I primarily feed myself, and all of the new and affordable tasty recipes I’ve come up with continue to make cooking and eating exciting for me. So if you don’t know how to cook yet, now is the time to learn!
Buying gifts in advance throughout the year is another fantastic money-saving tip, especially if you’re buying off-season. Aside from getting huge bargains on things, you’ll also avoid the stress of shopping with everyone else a week or two before the holidays.
5. Reevaluate Cable
Many student stylists are in need of mane models to practice their skills on. If you are adventurous with your hair, contact a local cosmetology school for a cheap cut. Or watch some Youtube videos and give yourself a little trim.
Do you absolutely need to have both Spotify and Pandora? And do you also read all of the magazines you’re subscribed to? Are you using the apps you subscribed to? By cutting out on some of your subscriptions, you can quickly save up a few extra dollars for your bucket list travels.
6. Use What You Have (Instead Of Buying New)
Calculate your monthly expenses by creating a spreadsheet with two columns: NEEDs and WANTs. Track every penny you spend in one month—it must ALL be on this sheet. The needs category should include things like rent, insurance, utilities, and other necessities. In the wants category, put all the things that are discretionary spending, the stuff you spend your extra money on. This would include dining out, clothes shopping, hobbies, manicures, and the things that you don’t necessarily need. Tally both columns up putting the total at the bottom.
7. Cancel Unnecessary Subscriptions
If your bank or other company offers online bill pay, use it! Not only does it shave hours of time off actually writing checks, but also saves money on checks, stamps and envelopes.
Make a list of all the services that you spend money on and see if there’s something you can learn to do yourself, like an oil change or fixing a running toilet. Websites like Youtube make DIYing a whole lot easier!
8. Clean Your Closet
You can also download an app like Hoopla that allows you to check out books right to your phone for free with a library card! You can even check out my book Bucket List Adventures on Hoopla.
To earn even faster, you can also check your household bills to see if companies accept payments by credit card with no extra fees. Research the best program for your needs and hunt for the best signup deals; this is when they may offer thousands of miles/points for just getting accepted and charging a small amount in the first three months.
9. Make Your Own Gifts
Clothing swaps are a fun way to get rid of some of the clothes you just decluttered out of your space, and in turn find some new clothing items you fancy – and it can be totally for free!
10. Learn Some DIY Skills
Have you seen gas prices? Though a car may be the most convenient means to get from point A to point B, it may not be that ecological nor is it cheap. So, if at all possible, try switching to public transportation, carpooling or even walking to reduce some costs on gas and car insurance.
A balance transfer is one of the best options if you need to pay off high-interest debt but have excellent credit to qualify for a card with a 0% introductory APR.
11. Fill Your Entertainment Calendar With Free Events
Plus, for recipes see Delish’s 80 Slow-Cooker Recipes or Tasty’s Slow Cooker Recipes. For something even easier, buy the Crock Pot Cookbook for Beginners.
12. Get A Crock Pot (AKA: Slow Cooker)
By bringing your own grocery bags to the store with you, you won’t have to purchase one at the counter. Sure, one grocery bag from the cashier may not cost much, but it does add up if you’re always buying a new bag.
Buying things in bulk is one of the ways we can save and get more out of our money, and when it comes to snacks, going for whole foods like nuts and fruits is definitely better than junk food. It’s a bit of an investment at first, but it’s a one-time purchase and it absolutely will save you money in the long run. The DivaCup is one of the top brands of menstrual cup, but there are tons of others, just check out Amazon!
13. Pack Food For Road Trips & Travel
Ordering take-out is a life-saver for busy people, especially if you’re too exhausted to make meals at home. However, this can also burn through your money if you’re not mindful. Having easy dinner recipe ideas handy and ready-to-cook items like pasta or noodles and frozen sauces will help!
14. Cut Coupons
Tired of waiting for a big sale? Why not get discounts online using promotion codes instead? From food to fashion to holiday treats and more, you’re sure to find one that will fit your needs.
15. Grow Your Own Herbs (Start A Garden)
Every single addition to savings counts, even if it’s a few coins. Find a big jar (like the Skywin Adult Piggy Bank) and start contributing your loose change to it. Even if at the end of the day it won’t pay for your whole travel itinerary, this simple technique may help to pay for a fancy dinner in the destination or one night at the hotel.
Of course, we also need to consider if buying in bulk is the better option since most whole foods don’t have a long shelf life. Carefully weighing on this will ensure that you get the most bang for your buck for your snacks.
16. Use Groupon For Buying Deals You Need
Although it can be difficult to cut the cord on cable, it’s absolutely for the most part a money sucking payment to make each month. With the streaming services like Netflix, Hulu and Disney+, you could most certainly be spending your TV watching time better than if you had cable – and for a cheaper price tag even with multiple subscriptions!
17. Make Your Own Beer Or Wine
While it may be easier to buy food from the gas station or eat out in restaurants when going on a road trip or while traveling, it does add up to your list of expenses. Having packed food for your trip not only is cheaper compared to ready-made ones, but you’ll also be able to enjoy your trip more without having to worry about stopping to get some food.
If you love drinking beer or wine, or maybe are curious about learning the craft, then why not try your hand at making some homemade ones?
FYI: my restaurant, Sugo Trattoria, has glasses of wine and our signature bruschetta trio for every Tuesday night!
18. Use Cashback Sites
Challenge yourself and your family to go one day a week without buying anything, from your morning coffee to a movie ticket. You’ll reduce your spending and become more aware of how mindlessly you make small purchases.
19. Pay Your Bills Online
Water is so much cheaper than soda, and healthier as well. If you find the taste to be boring, the Internet is full of easy recipes for how to make your water more fun, like adding cucumber slices or berries.
By signing up for travel newsletters, you’ll get information on deals and flash sales, not just on flights but hotels as well. In addition, the newsletters may introduce you to new and affordable travel destinations you wouldn’t have otherwise even thought of!
20. Borrow Your Books From A Library
By purchasing goods or services through a cashback website’s affiliate links, you can get paid back a percentage of the money you spent. Rakuten is the best one in many people’s opinion, but there are several others you can use.
Instead of constantly buying beverages in plastic bottles or paper cups, why not invest in one that you can keep using for a long time, just filling it up? Hydro Flasks are always a good choice. This is not only cheaper in the long run but it’s also a far more sustainable solution.
21. Create A Budget
For example, Skyscanner offers email and app notifications for whenever the price for the route you’ve got your eyes on changes. And the Travelzoo newsletter sends you the top 20 travel deals of the week.
This can be a tricky one but it’s entirely doable, especially reducing your electricity bill. Here are some tips:
You can use a spreadsheet to list down your income and keep track of budgeting your monthly. You can also use budgeting apps instead to help make budgeting easier while also being readily accessible through your phone. Mint is one of the most popular ones.
22. Search For A Promotion Code Before Purchasing Online
Using cold water saves energy, which in turn saves you money. Using cold water also can help your clothes last longer, which also saves you money!
Even with a Groupon, self care can get quite expensive, and you may also see them as treats more so than something necessary. If you do them yourself, or employ the help of a friend, you’ll be able to treat yourself to facials, waxing and manicures without the financial guilt!
23. Transfer Your Credit Card Balances To 0% Apr Cards
You can reduce your own housing host by adding a short-term resident. List your spare room, or even couch on a site like AirBnB to save money on your rent or mortgage.
Although there are few scents as lovely as that of a book shop, buying books—especially as an avid reader—can be a major investment. But, with a library card, it’s free to get your books from the library, and usually they’ll have just the book you would like to read, whether it’s a must-read classic book or the latest novel!
The sales fliers often have great deals, so definitely read them through and find items that are best for you to purchase. Then plan your meals and shopping trips around the sales!
24. Turn Off What Your Are Not Using
Companies, like Target, are making generic brands of everything from face wash to allergy medicine. Not only are they way cheaper, but oftentimes they’re of equal quality. Just check the labels and list of ingredients to be certain!
25. Buy Generic Brands
It may not be safe to store all your money in a jar, so go to your bank and open a savings account specifically for your dream bucket list adventure. If your bank doesn’t offer accounts free of fees, there are plenty of companies online that do. Ally and Barclay have savings accounts with no minimums and no maintenance fees.
26. Dine Out On Discount Days
Going out for drinks can be such an expensive social activity. So, if you can stand it, try to cut back on drinking some. Or, alternatively, how about making homemade cocktails or, instead of going out, hosting some simple gatherings at your home that everyone can bring their own snacks and drinks to?
27. Shop For New Auto Insurance
In addition, items like coconut oil and apple cider vinegar can easily replace some products in your hair routine. Homemade facials, deodorants and shampoos can be made using products found in your kitchen cabinet for a fraction of the cost as purchasing them at the store.
You can make a lot of your own beauty products at home by using inexpensive ingredients which you can find at your local supermarket. Figure out what kind of a beauty product you’d like to make, and you can probably easily find a recipe on Google!
28. Cancel Your Gym Membership And Workout At Home
Here are some resources to help:
If you do use them, let’s say to rack up reward points, make sure to pay the balance in full each month.
Usually, your agent can help you assess your existing policies to determine if there are any changes or better deals that can save you money.
29. Learn How To Cook
The returns for putting your money into a high-interest savings account can be more than 10 times the amount you’d get from a low-interest savings account that you typically get through your bank.
You can check out this website to learn more about how this works and how it can help you with saving.
Master Vintner makes a great wine making starter kit and Mr. Beer’s starter kit will have you creating your own brew in no time!
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30. Go Makeup Free
Buying those tiny little bunches of herbs at the grocery store can get expensive. Instead find a cheap (or free) container and make your own herb garden. You don’t need a lot of space and the vessel can be anything from a wooden crate to a mason jar to an old tire.
Small habits like turning off the faucet or the lights when not in use may not amount to much in the short term savings-wise, but you’ll be surprised at how much money you’ll be setting aside for your bucket list entries by doing so. Plus, it is also a great way to conserve water and electricity.
By shopping at your local farmer’s market and focusing on the fruits and vegetables that are in season, you can save a little money and create super delicious meals.
31. Make Your Own Beauty Products
With styles varying from yoga and pilates to dancing, weight lifting and even boxing, you are bound to find a fit for your fitness routine. Obe Fitness is one of the highest rated online workout sites, but Blogilates and Popsugar Fitness are excellent channels to start with too.
You can make a list of all of your expected celebrations throughout the year (e.g. birthdays, your anniversary, etc.), and then plan to buy the gifts throughout the year.
Go line by line to see what is needed and what is not. Call your cable company and ask for any current specials that you might be able to take advantage of. Cancel channels you don’t watch.
32. Shop Thrift Clothing Stores
Take a close look at your Wants category to see where you can cut back, even if it’s not deleting the item altogether. Do you really need your triple-shot, non-fat, soy milk latte every morning? Can you commit to making coffee at home at least a couple times a week? If you skipped just three days in the week, you could be saving roughly fifty dollars per month. In just thirty days, you would have enough for a few mugs of beer at Oktoberfest in Germany or a week’s worth of cappuccinos and pastries in Italy. Go through each expense in this column and commit to making one small change for each line item.
33. Make Your Own Coffee/Tea At Home
If you want to buy something, but not necessarily right now, you might want to wait for an upcoming sale instead. Not only will this give you time to think if you really need it, but you’ll also be able to shop around for the best deals.
34. Stash Your Change
The moment you get a paycheck, deposit your determined savings per month into the adventure account and don’t touch it. The only withdrawals you should make are to pay for something to do with your goal.
35. Reduce Or Eliminate Your Car Usage
Did you know that rearranging and analyzing items in your closet might bring new life back into them? Access each piece and if you don’t wear it ask yourself why. Maybe it requires a special bra or belt—buy those things to revive your closet, instead of buying a new wardrobe. Plus, repair clothes instead of replacing them. If they can be fixed and continue to be used, it’s better for your wallet and for the environment to repair the clothes and items instead of immediately rushing to replace them.
36. Reduce Your Utility Bills
My two most-used cards at the moment are the United MileagePlus Explorer and Hilton HHonors, but there are many others (the Chase Sapphire Preferred is known as one of the best). The Points Guy has an entire credit card section, breaking down the advantages and disadvantages of many of the top rewards cards.
- Use a programmable thermostat to control the indoor temperature.
- Find ways to extra-insulate your home.
- Wear comfortable clothes that keep you warm or cool, instead of using the heater or the AC .
- Clean and replace your air filter regularly to ensure its most efficient levels of working.
- Lower the temperature on your water heater, if you can.
37. Meal Prep And Pack Your Lunch
Take a hard look at the phone plan you’re currently on. Do you use all the allotted data and texting? Do you absolutely need all of the features coming with it? If not, it’s time to downgrade to a cheaper plan and put the savings you’re making out of it towards your travels instead.
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38. Downgrade Your Smartphone Plan
While the food you can cook on a crockpot is limited, the convenience, energy efficiency, and savings you can get more than makes up for it.
39. Sign Up For Travel Newsletters
The good news is that shopping around for insurance might save you money. This is something that every motorist should undertake every six to twelve months to ensure that they have adequate coverage at a reasonable cost since options for coverage differ from one insurer to the next.
If you need to get your hair trimmed or want to treat yourself to a massage, by using Groupon you can find great deals to save money by not having to pay the full price.
40. Replace Your Lightbulbs (To Cut Down Your Electricity Usage)
If you need help getting started, here are some great sites to help:
If you have multiple loans (ie: car, school, credit cards, etc.) Find a new loan with a lower interest rate, and use it to consolidate some of your liabilities and debts.
You don’t need an expensive gym membership, YouTube and online virtual gyms are loaded with workout routines, making it easy to work out for way cheaper than going to an expensive gym—some videos are even free! Some routines may require purchasing some basic weights and/or a yoga mat, but that small investment will be worth the money you will be saving monthly. Not to mention that there won’t be a need to spend lots of money on cute gym clothes.
41. Skip The Movies At The Theater And Watch One At Home
In simple terms, a mortgage refinance is basically the process of getting a new loan (e.g. with a lower interest rate) to pay off your old one. Refinancing your mortgage can help you lower your monthly payment, adjust your loan terms, consolidate debt, or even take cash out of your home’s equity to put toward expenses or upgrades.
There are plenty of cheap DIY gift ideas online that look great and are easy to make, so consider making one when you need to give someone a gift.
42. Cut Back On Drinking Or Make Homemade Cocktails
43. Use A Reusable Water Bottle
Some of the best things in life are free, and that includes joining events and having fun. You can start by checking your community for anything that might interest you like book club events or festivals. You can also check out websites like Eventbrite for any free events near you.
44. Buy Fresh Produce Instead Of Boxed, Premade Food
Giving gifts is one of the best ways of showing our appreciation for someone, but it is certainly not the only thing you can do. Spending some quality time with them certainly is a way to cut back on gift giving while still making them appreciated.
Make your free time earn you money as well. If there’s a hobby or skill you do for fun, consider selling the fruits of your labor. If you love photography, try selling photos on stock websites, or if you find yourself writing at the end of the day, try starting a blog.
45. Do Your Own Facials, Waxing, And Manicures
See Food52’s for how to pack the ultimate carry-on bag of airplane snacks that includes 11 snack ideas!
46. Open A High-Interest Savings Account
Here are some recipes to start with:
Do check the wattage, though, so you won’t purchase anything too high and run the risk of accidents. A standard bedroom typically needs around 800 lumens (how much light a bulb gives), which is about 8-12 watts for LEDs. Of course, you may need more or less depending on the size and type of the room.
47. Drink More Water, Less Soda
The adults in my family always make a pact to not buy each other gifts for the holidays, we just give to the kids. This saves a ton of money!
48. Declutter Your Space
With online cooking websites and YouTube videos, learning to cook is easier than ever. Plus, if you spend just a day on dining out, it would equal roughly 0 per month. Cooking at home can cut this expense in half affording you a plane ticket anywhere in the world in under a year. Now that’s incentive!
49. Make Your Own Natural Cleaning Products
If you are looking for more frugal things to do see our Simple Bucket List Ideas that are Cheap (or Completely Free!)
50. Eat Less Meat
Here are some incentives for going makeup free:
51. Consolidate Your Loans
Grabbing lunch on a work day can easily rack up quite the bill for you by the end of the month. That’s why, if possible, it’s good to spend a portion of your Sunday meal prepping so that you have all your lunches for the week ready to go, and you won’t have to spend money on buying your meal at a café, restaurant or any other place on the day of.
52. Create A List Before Going Grocery Shopping
For some, going EVERYWHERE without a stitch of makeup for a week is a challenge. At 20 bucks a pop for many makeup products even a week without using them will save you a little money, plus you’ll be saving lots of time. I took the “Go a Week Without Makeup” challenge while in Costa Rica, and it certainly was enlightening.
In addition to getting a rewards credit card, also sign up for airline, parking, and hotel loyalty programs so you can earn free flights and stays. Typically these programs are free to join, so enroll in them all. With that said, you will get more bang for your buck if you stay loyal to one company, as you will be able to build points quicker by doing so.
53. Bring Your Own Grocery Bags
This is similar to the 30 day rule, but for less expensive purchases. Wait a day before buying a small item and you may find you didn’t want it after all.
54. Shop The Sales Flyer
If you think planning for retirement in your 20s is something you should put aside for now, think again. Retirement planning is vital as it can prevent you from going bankrupt when you’re well in your golden years. If your company has one, you can opt for a company-sponsored retirement account like a 401(k) to ensure you have money saved up to enjoy life once you retire.
55. Go For A Hike With Your Friends (Instead Of Doing Something That’s Expensive)
You can get reusable grocery bags anywhere, but BeeGreen sells some lightweight and cheap ones.
You don’t have to cut out meat and animal products out of your diet entirely, but just by putting some effort towards decreasing your meat consumption and replacing some meals with vegetables etc. can save you quite a bit of money as vegetables are typically cheaper to purchase.
Though I try to stick with the United and Hilton programs whenever possible since they are used in combination with my credit cards, I still belong to several others like American Airlines JetBlue and IHG.
56. Get Your Haircut At Beauty Schools Or Do It Yourself
A crockpot is a fantastic cooker for busy people and for those who want to save a bit more in the long run. You can leave the food cooking for hours while you work or sleep without worrying about electricity costs since it uses the same energy as light bulbs.
One of the easiest items on this list is this: making your own coffee at home instead of buying from the coffee shops. The taste will be just as good and it can be a wonderful addition to your morning routine. I use the Keurig coffee maker every morning, instead of hitting up Starbucks.
57. Ditch Your Feminine Care Products And Switch To A Diva Cup
While this may take a couple of months to break even and see the savings eventually, learning how to brew and finding your personal flavor is an exciting and enjoyable experience you won’t find from store-bought ones.
58. Wash Your Clothes Using Cold, Not Hot, Water
Did you get money you weren’t expecting to get? That’s great! Now be quick to put it into your savings before you can get tempted to spend it on something.
59. Buy Gifts Throughout The Year
This blog has a great list of websites offering promo codes and fantastic deals, so be sure to check it out: 20 Websites to Find US Promo Codes and Discounts
The beauty of making your own gifts is they can be inexpensive and is also a way to add a more personal touch to them. Plus, you get to work on your creative side as well.
60. Immediately Deposit And Save Unexpected Cash
Did you know that making your own cleaning products could cost you less than per product? Start by stocking up on white vinegar, baking soda, and scented oils, and a few more products, then head over to Madeleine’s website to find recipes and tips for your new natural and homemade cleaning products.
61. Snack On Bulk Whole Foods, Not Junk
How does decluttering your space save you money? Well, when everything you own has its place you can always find it, which means that you won’t be buying duplicates of things just because you can’t find them.
Food in your cabinet, clothing, products, etc. By making sure that you’ve first finished all the products and food items that you own before purchasing new ones, you’re lowering the cost of replacing them as you aren’t doing it as often.
62. Shop Your Pantry And Freezer
63. Wait For The Sale
By employing some or all of these tips on this list, you may be surprised by how quickly you can start saving up more and more money for your dream trip! Best of luck in your saving efforts and let me know where you’re going!
64. Host A Clothing Swap
Need to buy something at the store? Why not try asking for a discount? Some stores can offer discounts on your items if you can find a lesser price online or as an incentive when paid in cash. The discounts can range from a small percentage to a fixed dollar amount. Still, money saved is money saved, so give this one a shot the next time you’re buying something.
Or at the very least learn ways with which you can decrease the amount of makeup you use. It’s so easy to spend a lot of money on makeup, but just by changing up some of the items you buy, and decreasing your makeup usage to special occasions can save you so much money.
65. Use The 30 Day Rule
Have a shopping list at hand, think in advance how you could best utilize all that you’re planning to buy, shop for the products on sale, and perhaps even do some research on several grocery shops to see which items are cheapest where instead of concentrating all grocery shopping in one place.
66. Use The 24 Hour Rule
67. Designate No-Spend Days
Get your hands on some modern energy-efficient light bulbs like LEDs or CFLs, as they use way less electricity while providing just as much lighting as incandescent bulbs.
68. Sell Your Extra Stuff
While auto insurance is necessary, it may be costly and strain a household budget, especially for drivers who purchase extensive coverage to assure complete asset protection.
69. Rent Out An Extra Room
Don’t have a slow cooker? Here are a couple of the best ones:
70. Monetize Your Passion
Here are some tips for having a clothing swap party:
71. Agree To Limit Gift Giving
It’s time to stop thinking that coupons are only for those having issues to make ends meet, and actually start taking advantage of them. If you shop for what the coupons can offer you, you’ll find yourself saving money in no time. But, don’t get sucked into buying things you don’t need just because they are on sale!
Apply for credit cards that earn airline miles and/or hotel stays, and start using them for everything, even if it’s just a pack of gum. But, make a commitment to pay them off at the end of every month!
72. Get Rid Of Your Home Telephone
Clothing from a thrift store is almost always more affordable, not to mention that it is actually a sustainable shopping choice. It’s fun to make it a fashion bucket list challenge, to find the cutest head-to-toe outfit!
73. Avoid Using Credit To Pay Your Bills
With the continuously increasing prices of going out to the movies, you’re much better off putting on a flick from your streaming service and getting your popcorn from the grocery store. Remember to turn off your cell phones!
While dining out can be costly, that doesn’t mean you can’t indulge every now and then. If your budget prevents you from eating out, using a restaurant coupon or dining out during special nights or happy hours might do the trick.
74. Check Your Insurance Policies
Just because you’re in saving-mode doesn’t mean you can’t socialize! You may have to get a bit creative, but there’s so many things you and your friends can do that won’t cost much, or perhaps nothing at all. Like hiking!
By creating a shopping list before entering a store, you’re practicing mindfulness in how much and of what you’ll actually need for the week. This will help you not to stray into buying too much.
75. Cut Down On Take-Out Ordering
76. Ask About Discounts
Save money on your new clothes, housewares, and electronics you purchase by selling your old ones. Check your closet for clothes you haven’t worn in months and for old electronics. There are many places to sell unwanted items online, including eBay, Craigslist, or Facebook Marketplace. You can also hold a traditional yard sale if you want to sell in bulk.
77. Take Advantage Of Your Retirement Savings Plan
Instead of expensive apparel shopping at a boutique, plan a clothing swap with your friends. You can each bring ten lightly used items from your closet and take home a new wardrobe.
78. Refinance Your Mortgage
Before you head out to the grocery store to buy stuff, why not have a look at your pantry and freezer first? With a pen and paper, list down the things you’ll see like eggs, butter, frozen vegetables. Figure out what type of meals these items can be used for and only purchase what you need. This could potentially save you a trip to the grocery or at least lessen the things you’ll be buying.
When you want to make a large purchase, think about it first. Write down what it is and how much it costs, and if after 30 days you still feel it’s necessary, purchase it.
79. Use Envelopes On Budgeting
Envelope budgeting is a simple yet effective budgeting technique in which you split your monthly cash into separate spending categories using envelopes. Of course, once you put money in a certain envelope, the money inside is solely for that thing only.
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Such a card could give you a lot more time in paying off your debt without any added interest for at least 12 – 18 months.
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