Living on Less
Living on Less
The recession has caused many companies to have to lay off their workers. Employees that once enjoyed great benefits and top pay were forced to give all of that up. The economy has affected nearly everyone in some way. Losing that income has caused health and stress problems. The question today is how to survive on lower income.
1. Watch what you’re spending.
Financial software such as Quicken can show you exactly how much you’re paying for everything from entertainment to gas. Looking at these figures can help you see where you need to cut. If you don’t have the software make an Excel sheet, compare how much you make to how much you’re spending. This may be a big wake up call.
2. Create a family budget and stick to it.
Hold a family meeting and discuss how you can cut back on spending. Do you really have to see the new movie in theaters or can you wait until it’s out on Netflix?
3. Stop using plastic.
Using cash is much better than swiping your debit or credit card. When you use cash there is an emotional trigger, it hurts to break that twenty on a cup of coffee. People are much more likely to swipe a card on an unnecessary item than pay cash for it.
4. Spend more time at the grocery store.
Store brands are cheaper than name brands. Great Value and HEB brands carry most products but are cheaper than brands with the fancy name. Watch for even the tiniest savings.
5. Clip coupons.
Coupon clipping has become easier over the past few years thanks to the internet. Websites do all the dirty work for you and all you have to do is press print. It’s a great, easy way to save.
6. Cut costs.
Do you really want to waste the gas to get your favorite food or can you make something at home? Fast food is both unhealthy and expensive. Make going out a rarity. If you need new clothes for interviews, hit the clearance racks or buy used. Carry a shopping list with you and only buy what’s on it.
7. Always remember, the best things in life are free!
Focus on friends to give you moral support. Spend time with people you love. Exercise is a great way to make yourself feel better about your circumstances. Going to the park is great for recreation. Austin can help you enjoy the beautiful things in life and it’s free!
I hope these tips can help you during a difficult time in your life. As always, I’m here to help.
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