The cost of living is still high and it's tough and challenging. The cost of living won't come down, but getting a pay raise might be in the cards for you, but the more you make, the more taxes are deducted so are you really getting ahead of yourself?It's your responsibility to make the necessary financial changes to help your family live and enjoy a comfortable and worry-free lifestyle.Sit down with your spouse and write down all of your expenses and spending habits. You'll probably be quite shocked at seeing what you're putting your money towards. 14 ways you can slash your spending and save more each month 1. Going out to eat less makes a lot of sense. Ordering appetizers, desserts, and drinks all add up. Even if you chose a less expensive restaurant, you still have to give a tip. Make lunches for your spouse and kids to take to work and school. Skip the hot meal programs at schools because you can provide a hot lunch now and then for your kids.2. Do you have any … [Read more...]
TweetCelebrating Valentine’s Day on a Budget
Valentine's Day is an expensive day, but you can still celebrate without going over your budget.Knowing that Valentine's Day is around the corner now is the time to think ahead and work out a plan for the special day. You can set aside money now for Valentine's Day so when the day comes, you have the money you need to spend. Being organized and knowing what the plan is will stop you from over spending. Here are some reminders of things that are money "wasters" and suggestions to help you stay within your budget on Valentine's Day. Forget buying flowers especially roses as the prices are marked up for this special occasion. Another option would be to buy a potted plant. Potted flowers may not seem romantic, but they last longer and they can be re-planted into a garden. A heart-shaped box filled with chocolate is another expensive item. Are the chocolates more exquisite and more delicious in a heart-shaped box? You can decorate a regular box of chocolates with ribbon and … [Read more...]
Tweet17 Ways To Decrease Your Household Costs and Stretch Your Dollar
There are many ways you can cut costs to your home and stretch your dollar every month. Below are 17 tips you can start doing now to help get you on the road to frugal living!1. Turn down your thermostat when you're not home and when you're asleep at night. You can replace your current thermostat if it doesn't have a programmable timer.2. Run your dishwasher when it's full. You can opt to skip the heat dry feature.3. On your washing machine, choose warm/cold or cold/cold wash feature. Always remove lint from the lint catcher in your dryer before drying each load. It's also a safety precaution that your dryer doesn't catch on fire.4. Weather strip doorways and caulk windows to prevent heat loss. Go through your house and make repairs now and prepare your home before winter comes.5. Use a light timer when you know you won't be home to turn on the light.6. Turn off unnecessary lights in your home. Use a desk or table lamp. Install sensor lights outdoors.7. In … [Read more...]
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