Instead of adhering to strict budgets or extreme frugality, the preferred plan in challenging times is to cut costs mercilessly on everyday bills. These are things like your unnecessary re-charge cards for all and sundry, regular eating out and hanging with friends in the evenings and other monthly expenses. Saving money on these everyday items is an easy way to free up cash to put toward your debt. The cool thing is that you can save some cedis without cutting back on the things you love.   Written by: Charles Mensah (FCMA, CGMA, MBA) Managing Partner, Trust Consult Limited Management Accountants & Consultants Source: Glitz Africa Magazine issue 25