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Take Control of your Contracts

This article, entitled Take Control of your Contracts comes from

When you find yourself in the scary place of too many expenses and not enough income – you need to cut back, you want to cut back. But contracts get in the way. Contracts are the norm in our society and you find yourself trapped. Cell phones, car loans, mortgages, credit cards, gym memberships, internet and television contracts… the list is seems unending. Often help is required to cut unnecessary expenses.

  1. Look into the cost of ending a contract. Sometimes it costs less to get out of a contract than it does to stay in for several months longer.

  2. If you are desperate, ask for a change to your contract – and ask someone with authority to help you. The average customer service representative is not given much authority. They are usually trained to tell you “you’re stuck”.

  3. Don’t be dishonest. If you’ve agreed to a contract, but your circumstances have changed, be honest. But also honor your word. Not honoring the contract you’ve signed can make things worse than finding a way through it. Make changes elsewhere if you have to.

  4. If it is something you are able to sell, sell the item and pay off the loan. You end up without the item – but you also end the contract. (A special note here: Don’t fall victim to the ‘no one is buying right now’ myth. There are still people looking for a good deal, even in the tightest economic times. You may have to sell for much less than it’s worth, but you’ll still come out ahead in freedom and peace. So try.)

  5. Consider downgrading. Some companies will allow you to downgrade for the remainder of a contract. They would rather have your business at a lower price point than not at all.

Additional areas of control…
Once you’ve tackled all contract obligations – look at non-contracted ones. Can you save more at the grocery store? Go with air conditioning only on the hottest days this summer? Shop second hand for ‘new’ clothes? What about sharing a ride to work – or riding a bike if it’s not too far? It takes commitment to slim down expenses, but you can do it.

The best couponers save hundreds of dollars every month at the grocery store. However, extreme couponers can end up living very extreme lifestyles to get those savings. For over five years, has equalized the playing field – giving extreme savings to busy families who don’t have the time or ability to be an extreme couponer. Each week,’s over 70 angels combine over 2,000 products on sale at local grocery and drug stores with an enormous database of over 2000 different manufacturer coupons. These combinations result in our members getting access to over 300 products each week for 50% off or better. Simply log in, choose the deals you want, print or clip only the coupons you need, and save hundreds of dollars a month at regional and national stores. Our angels will personally work with you to craft a plan that will help you buy healthier food at lower prices – helping you keep $200 to $400 in savings each month.

Josh Elledge is the Chief Executive “Angel” of SavingsAngel, Inc. – launched from his home in January 2007. A husband and father of three, he now appears each week on television, in eight newspapers, and a number of radio stations across the country teaching families how to cut their grocery bill in half using the Internet. Elledge created the technology found on through the need to save his own family’s money. Successfully able to cut his own grocery bill from $600 a month to less than $300 a month, his message has reached hundreds of thousands of families. is now growing rapidly throughout the country. You can watch a short video at that will explain more information about how to cut your own grocery bill in half with the help of!

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