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Where there is a will there is a way.
You can stop living paycheck to paycheck or coming up short and adding to your debt. The solution is in the planning and the changes you need to make. Simple easy changes that will save you tons of money.
Where is most of your money going?
Do you have a budget? Do you know where your money is going? Do you know how much you are making? The most important step in stopping the paycheck to paycheck cycle is setting up a budget. You can grab a free budgeting printable here or you can checkout this great money book. This book made all the difference when we were restructuring and learning to budget.
Spend a few minutes and figure out your expenses and your income. This free printable can help you organize all the information.
So where is all your money going?
Is a majority of it going to your rent or your mortgage? Or is it the grocery bill? Are grocery costs driving you into debt? School and children’s activities are they eating up your money?
Or is it eating out and entertainment? This was ours, eating out was wrecking our budget and basically eating up our money. Or are you shopping your money away with new shoes and new clothes?
Here are some amazing fixes to help you save money.
If it is your mortgage or your rent that has got you living check to check have you thought about downsizing or talking to your mortgage company and altering your payments. You can live well on less in less space, downsizing can be an option that saves you money and makes you happier. Also nothing hurts with talking to your mortgage company, the worse that could happen is they say no. If this is the case you look for other ways to save money.
Is the grocery bill getting you down? Honestly, this one has been getting me lately. Where we live the cost of goods is on the rise which means cutting back on a few groceries or looking for alternatives. You can learn great ways to save money at the grocery store with the grocery budget workshop or checkout these amazing ways to cut your grocery bill in half.
Simple changes like opting for new brands or cooking home cooked meals can save you money at the grocery store. Or cutting coupons or shopping store sales. Simple easy changes you learn in the grocery budget workshop can make a huge difference on your grocery bill.
Are school or extra curricular activities hurting your pocket book? Have you looked at cheaper more cost effective after school activities? Library and community centers offer great budget friendly activities.
Or is it child care that is hurting the budget? Child care can get expensive. We do babysitting time exchange with a friend. I watch their kids and they watch ours, no money exchanges hands just time. Sometimes you have to think outside the box to find the right solution to decreasing your expenses.
Is dining out and entertainment hurting your budget. It was hurting ours until we found meal planning. The problem was after a long hard busy day I didn’t have anything prepared for dinner so we ordered out or we felt entitled to a nice meal out on the weekend.
A meal out here and a meal out there add up. If you are looking to decrease your meal budget and save some money checkout this meal planning service their recipes are easy to follow and crowd pleasing.
Entertainment can get expensive. Let’s say you go to the movies, you have tickets, popcorn and maybe dessert afterwards. It all adds up. Here are some great cost effective alternatives to the expensive entertainment bills.
Are you shopping your way to debt? Have you thought about organizing your closet and seeing what you have before you go shopping? Most people will go out and buy something they already have. What about buying thrift or vintage before buying brand new and saving some money? Or what about holding off and saving some money till you can fully pay for the items you want.
Some other great posts that will help you save money and help you stop living paycheck to paycheck.
- Secret Must Haves Of A Frugal Home
- Learn What We Stopped Buying To Save Money
- 75 Items You Can Freeze To Save Money
- The Best Ways To Save Money
You can stop living paycheck to paycheck and live the life you want. Simple changes to they way you shop or the way you do things can make a huge difference to your pocket book. Make a plan and stick to it.
Are you looking to save money? Checkout these money saving resources:
Are you looking to get your finances under control and learn how to budget? You can get our free budgeting printable here. Another great resource for budgeting and learning all the ins and outs of personal finance is The Total Money Makeover. This book changed our personal finances for the better and is a must read.
If you have read my blog before you have heard me talk about MyFreezEasy meal plans and how much I love them. You have also heard me talk about all the time and money meal planning saves me. I use to choose take out or drive thru coffee or dinner at a restaurant after a long hard day. Learning to meal plan effectively helped curb that habit and now we are enjoying yummy homemade meals that our family love.
Is your grocery budget stressing you out? Are you trying to figure out how to feed our family healthy meals while you watch the price of groceries rise? You are not alone.
The Grocery Budget Workshop taught me how to save money at the grocery store. It taught me how to cook efficiently, manage a grocery budget, shop sales and coupon quickly. It also taught me how to save over $700 a month on items our family really didn’t need.
Are you ready to earn money while you shop? Yes, I said earn money while you shop. Have you heard of Ibotta? Earn cash back on everyday purchases. Simple select the items you will be shopping for in your easy handheld app, go shopping, redeem your rebates and earn cash. Simple and easy.
Have an amazing day,
Saving & Simplicity