![]() ![]() Which ones are you actually using frequently? Which ones could you do without?Įspecially consider cancelling memberships for services you might be able to meet in other ways, such as gyms. ![]() Go through your monthly bank statements and look at each subscription or membership that you’re being charged for with a critical eye.And it’s amazing how many of these subscriptions and memberships we can collect without really getting our money’s worth out of any of them. Monthly subscriptions like Netflix, Hulu, and Disney Plus may require what seems like just a small monthly fee, but having half a dozen of those “small monthly fees” can add up over time. Eliminate unused or unnecessary subscriptions and membership You know your financial situation best, so if you feel eating out occasionally is still feasible given your budget, then do it! You don’t have to completely eliminate the occasional dinner out or a coffee-to-go every once in a while, but set limits and boundaries on eating out so you know what you’re spending and don’t go over that limit. If time is an issue, use the weekends for meal prepping for the week so you aren’t tempted to swing by a drive-thru on your way home from work.Make coffee at home, find some smoothie recipes you can try on your own, and buy cans or bottles of soda instead of stopping to buy them while you’re out running errands. Even though it’s only a few dollars at a time, buying specialty drinks can add up after a while.Look up new recipes to keep things interesting while also avoiding spending twice as much on take-out. Often we eat out because we’re bored with eating at home.Eating out is fun and convenient at the time, but it can really suck the life out of your checking account quickly if you aren’t moderate about it. If you really want or need to cut expenses, cutting back on eating out is an easy way to add money to your budget every week and every month. In addition, buying in bulk, shopping around for the best prices, and buying fruits and vegetables at local farmers markets or fruit stands can also offer opportunities for quality food at more manageable prices.It might seem like a small change, but small changes like that applied to your entire grocery bill over the course of several weeks can add up. ![]() Replace a bag of frozen broccoli with a head of fresh broccoli for half the price. Packaged or processed food might be easy, but in the long run it’s often more expensive. And if you aren’t using it, don’t keep buying it. Is there something you routinely buy that you don’t end up using, or that you could go without for a few months? Make sure you’re actually using everything you buy instead of just habitually adding it to your list. Take a close look at what you actually use and consume over the course of each month or week.That said, there are ways to cut grocery bills dramatically: Even in the midst of financial stress, your health shouldn’t take a back seat. Fresh fruits and vegetables can be expensive but not as expensive as not taking care of your health. You deserve to eat well - and by that I mean good, quality, real food. You have to eat, and food can be expensive! I’m of the mind that, even when you’re looking to cut costs, you shouldn’t go as cheap as possible when it comes to the food you’re eating. Be smart about groceriesįor many families, the monthly grocery bill is often the most daunting - but it’s a necessary expense. So if you are in a position of needing to reduce your household expenses, here are some things to consider. Rather, first take a look at what you’re already spending each month in your household expenses (monthly costs like groceries, car insurance, rent or mortgage payments, phone bills, etc.). So if you’re looking to tighten up your budget, the first place to start is not with any grand initiative like starting a side hustle or finding a second job - though both certainly have their merits. Our generation has faced more financial insecurity than any other cohort in U.S. It doesn’t take an economic downturn to motivate us to be more careful with money. ![]()
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