Times are tough, no doubt about it. Everyone is trimming, getting cheap insurance and creating a lean, green lifestyle they want to live. Saving money is the name of that tune. For those who don’t know how to budget, a budget is only a plan for your hard earned money; all you need is a calculator and calendar.
1. Your Income
Making the bills fit the income is sometimes difficult. The important things like the rent, insurance, and car payments come out of the budget first. With what’s left, let’s see what can be trimmed. (Jeffs note: I’ve talked about the importance of Insurance many times, and having good insurance paid off during the hail storm)
Buying in bulk saves money. Cook meals in advance and freeze them for later heating, which will save on the power bill and save a great deal of time. This will ensure healthy balanced meals for your family. Buying the same amount from the dollar store will do the same job.
3. Household Cleaners
Chemicals in household cleaners cause health problems. Making your own cleaner is cheaper and healthier and better for the environment. Baking soda will clean anything while also providing the basis of toothpaste. Lemon juice will cut through grime just as well as ammonia and smells better. Shampoos are as simple as milk and eggs whipped together.
Cut the cable off and sit on the front porch to chat with the neighbors. Walk in the park at sunset, learn about the stars or go fishing. Play cards, read a book, get a sketchpad and play Pictionary or rent a DVD. This would also give you bonding time with your family.
There are so many sites online with coupons for everything that saving money every day can be done. Coupons for travel, clothing, entertainment, phones and other needs exist to better your budget.
Gas is the big thing now and people are finding ways around it. Every bicycle, every walk to work, every bus ride is telling the oil companies to get a life. Not to mention, it’s healthier for both us and the environment.
Saving money every day can be accomplished by buying smart, making it yourself, getting back to nature and using online resources like coupons. It doesn’t have to cost a lot. If your health insurance comes with your job, check with your spouse to see if you are doubling your coverage. If one policy will cover the whole family, drop yours. You can go for a cheap health insurance but make sure it covers everything you need, that will save a lot of money. Also be aware that your homeowner’s and car insurance can be bundled with one company, that will save money. Often, good habits will save money on insurance policies.