Have you sat down and looked over your spending habits? You know that moment where you decide something has GOT TO STOP. You print out your bank account statement for the month or pull it up on your phone and compare it to your pay stubs.
It’s all adding up alright, but yet you’re left with a measly $20 at the end of it all.
You can’t possibly be working this hard for so little?!
What are your options?
If you can’t increase your income- i.e. get a second job, get a higher paying job.
You can decrease where you are spending your money and it may just feel like you got that raise you’ve been hoping for.
How to Increase Your Income
Switch to a pre paid cell phone service.
These are typically half the cost of the big names like Sprint and Verizon. Sure they will sell you an offer that makes you feel you will be spending less by gaining more but you are smarter then that. You want that extra money each month. Do you really need all the extra features that come with a higher bill? We have gone with Straight Talk for just about 4 years now. I have NEVER had a problem. The phones are the same. The service uses Verizon towers and I pay $45 a month for unlimited everything. You can also renew these payments all online so you do not have to go into the store every month. If you have a wireless modem always have your phone grab your internet when you are at home to use less of your data plan.
Get rid of cable.
Yep. Don’t try to let them convince you again that you can get a package deal. Who likes watching T.V. now with commercials?! I highly suggest Amazon Prime- it works out to $7.99/,month and you do not just get to watch T.V. shows and movies you also get 2 free day shipping and deals just for Prime Members! Try Amazon Prime 30-Day Free Trial. I also LOVE Netflix and Hulu. They are the type of programs where you are streaming your shows for $7.99 a month. Hulu is great because you get to watch T.V. shows the day after they air on the networks. The only downside is they do break for very quick commercials. You can upgrade your HULU account for $10.99 commercial free. Netflix is rocking it right now with offering their Netflix exclusive shows like Fuller House that are released a whole season at a time! This is the way of the future as many of these networks have their own exclusive shows.
Downgrade your internet service
FOR REAL. It’s been two years now that we have had the $14.99 every day low price internet from Time Warner Cable. She told me that I would not be able to watch Netflix from it and that it’s mostly for surfing the web. But I am here to tell you my girls watch cartoons in the morning on Netflix, I blog, use my phone for social media interacting all off the same service. It works FINE! I did discover that a quality wireless router is what makes the difference. If your Netflix, Hulu, or Amazon account gives you that dreaded circle try restarting your router. Most of the time that does the trick not your internet connection. With tax we pay a whopping $21 a month! Be smart.
Cut your grocery bill in half.
Say what?! Yes seriously. Groceries are a category that everyone can decrease right away in their budget- if you feel the need is enough. We have endless options of food and you can get them for less. I highly recommend checking out my Feed Your family for less posts to see how you can get groceries for $40 or less a week and the meals you can make from that. The Weekly Store Coupon matchups are the BEST way to save and make your life easier. Couponing will save you cash. When you play the game right. If you are saying you do not have time to play the game you are fooling yourself that money will just appear. You are being given an option to truly save cash and still eat well. What are you waiting for? I know many of you are saying I don’t get couponing please take the time to read my 4 part Learning How to coupon and allow yourself to be open to learning. You will be sharing your hauls in our FB group in no time. I believe in you.
Stop Eating out.
Look at the amount of times you eat out during a week, a month, a year. Take your average restaurant bill and really look at the amount of food you bought and see how much that would have cost you at the grocery store. There is no way it is less- otherwise how would a restaurant make it. If finances are so tight you need to cut back eating out may mean you need to change your schedule or take a day to meal plan but with how we use the internet today and the excessive access we all have to it there really is no excuse. If you are saying you are living paycheck to paycheck and you hit up McDonald’s 3 times a week- you are being foolish. McDonald’s is not that cheap. A family of four eating there averages $30. Give your family healthier cheaper meals. Plan your menu. If you are strapped for time take advantage of cooking in a crock pot. Have sandwiches for a week. Our lives are seasons, they won’t always be this way and we need to be wise in each season we are in, so we are better equipped for the following season.
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