, journalist Joanna Stern detailed how she paid $15 a month for three years for an electronic fax service she used just twice.
"That's $240," she writes. "For the same amount, I could have bought 20 rolls of fax paper or 10 real working fax machines." If cancelling your subscriptions altogether feels too drastic, you can also seek out more affordable alternatives to your current memberships. Sharing a Netflix account with friends or getting daily or monthly passes to your gym, rather than signing up for a year-long contract, could help relieve you financially.Buying household items in bulk is another area where many think they're saving, but a lot of times aren't.
That's because people who shop in bulk are often buying more than they need in order to earn savings. "That short-term savings that you think is beneficial isn't always," Malani says. "Instead of buying the 12-pack of batteries for $25 when you need just two AA batteries, buy the 2-pack that costs $5 and put the other $20 toward your debt. It's a mindset thing."
Rather than buying everything in large quantities, think about the amount you actually need of a given product first. If you're hosting a large gathering, it's probably fine to go ahead and buy the 500-pack of party plates. But should you run across a 20-pack of avocados for just $3.99 at your local warehouse-style grocer, it doesn't mean you need to buy the whole bag only for half of it to spoil once you bring it home.
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