If you are looking to get rid of some bills this year, such as those nasty credit card bill payments, but are thinking you are going to have to take on a second job to make your bill payments, then try these tips first.

There are ways to shave your cash spending, and make your bill payments, but it will require a commitment of at least one hour going over your bills and spending to do it. Before you go YUK! and hit the back button. Just think about it. If you are willing to find that extra time to look for and somehow do an extra part time job to help with these bill payments, then you can find the time to really sit down and look at your bills. I know you will not get instant money handed to you, but it is well worth it.

If you are, like most people, spinning your wheels with bill payments, and feel like you are making your payments, but not getting anywhere, then take one hour this weekend. (I find the weeknights a bit to tiring to tackle this type of thing first time around) put on a pot of coffee or tea, have breakfast, and then get out every bill you can find and your bank account statements, showing all your bill payments.

One of the first places you need to look at, may or may not be in that pile of bills you have found. If your life surrounds "take out dinners" or stops to the local restaurants and diners, then this is one of the biggest money drains a budget can have. The restaurants do not like hearing this, but if you really add up those pizza nights, and those dinners while out and about, you will surprise yourself.

At one time, eating a meal out was a special occasion, but now it is a regular habit. Usually because we are all too busy with life, kids, hockey games, lessons and more. But this could make the difference to your bill payments.

This is one of the hardest habits to break, but can be one of the biggest boosts to our bank accounts. If you regularly eat out about 2 or 3 times a week, you could be spending $75.00 dollars or more. Just think how fast you could pay off that credit card with that extra money at the end of the month?

I know you are thinking, but where is the fun in that? But the pressure of these balances, should get your thinking a bit more about where your money is going and how many bill payments you have.

Why not compromise? Have a special "dinner out" night, maybe on payday, or something like that. In the meantime, it is time to dust off that crock pot, and get out those casserole recipe books, because you need to be able to whip up meals that don't take much time or you will not attempt it.

Take a little bit of time at night, while making lunches or whatever your chores are, and fill a crock pot with stew beef or chicken or whatever the recipe calls for, then pop it in the fridge, and in the morning, plop it in the crock pot and plug it in.. That is it! Dinner will be ready when you get home, and you will have the added bonus of the house smelling divine!

Once you have tackled the eating out money, start looking at other places you can save, such as combining your family's cell phones into one bill payment, or see about having your car insurance and your house insurance together. This bundling of bills will shave off premiums, and put cash back in your pocket.

If you are not sure where your money is going, after your bill payments, and you use cash, then start writing it down. Give yourself and your partner a little notebook and write everything down for a couple of weeks. Then if you use your credit card, save the receipts and then add up your cash spending and your credit card spending for a couple of weeks.

Maybe that $30.00 here and that $30.00 there at the mall might have to stop for awhile? It is amazing how it all adds up.

But take that extra money you have figured out, and put it towards bill payments such as, high interest credit card, or other bills. You will feel more in control, and better for getting rid or lowering those balances.

You never know, you might be able to shave enough expenses that would equal a second job. Now you have your spare time to you instead of another job, and you have found the extra money to help with those bill payments.