Financial experts often separate budgets into fixed costs and flexible areas of spending. Often you can save more readily when you are conscious of the “miscellaneous” items you buy. The following are some money-saving tips aimed to help you in the short term and in the long haul. (more…)
With the tight economy, families are becoming aware of the need to save, budget and consider all expenditures more carefully than ever. There are dozens of ways for today’s households to cut potentially hundreds of dollars out of our monthly operating expenses, by planning, shopping and spending smarter than you might do right now.
In my home, my husband and I agreed to be fiscally responsible, live within our means, and save a little each month too. Once we decided on a household budget, I became the Chief Financial Officer of my household, and have made it my “business” to make sure we spend our hard earned income as carefully as possible. It’s much easier to save money than to earn it, so my philosophy is to spend wisely and cut corners where possible. (more…)
The Great Recession has been long and difficult. You’ve scrimped and saved. You’ve worked and re-worked your family’s budget. And just when you think you’ve cut back on everything you can, you may find at the end of the month that it’s still not enough. If that’s your situation, it’s time to get creative. Consider these 10 ways to make your family funds go further.
1. Plan Your Meals
One of the greatest downfalls of even the most frugal family is an impromptu trip to McDonald’s in lieu of dinner. Instead of serving up a healthy meal for under $2 a serving, you end up splurging – on calories and money – to feed your family, making it an automatic budget buster. (more…)
Start the Countdown
Saving money is difficult enough when you’re only responsible for yourself. Heck, it’s hard to save money even when your mother is doing your laundry and your dad is mowing your lawn, making you just barely responsible for yourself.
Adding a family into the mix makes pinching pennies even trickier. From grocery shopping to finding a pair of pants that will fit your youngsters for more than three weeks, it would be fair to assume that your wallet seems to be leaking.
But for every one thing you have to spend money on, there are at least two tricks for making your purchase cheaper — or free. Read on to find out how your own home can start saving you money. (more…)