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Cutting Corners In A Stressed Economic Situation

Article Description:
====================

The economy has really taken a toll upon my family. My wife was
laid off from her job, significantly reducing our total monthly
income. This has forced us to stick to a very rigid budget,
cutting our cost of living and finding money where we never
expected to find extra money.


Additional Article Information:
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603 Words; formatted to 65 Characters per Line
Distribution Date and Time: 2009-07-09 12:00:00

Written By: Hadley Kincaid
Copyright: 2009
Contact Email: mailto:hadley.kincaid@...



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Cutting Corners In A Stressed Economic Situation
Copyright (c) 2009 Hadley Kincaid
Fast Cash 4 All Net
http://www.fastcash4all.net/



The economy has really taken a toll upon my family. My wife was
laid off from her job, significantly reducing our total monthly
income.

This has forced us to stick to a very rigid budget, incorporating
everything from weekly groceries to amount of money we can spend
on entertainment. We realized that a budget was going to be
necessary, after a couple weeks of paying bills after she had
lost her job.

The first place we started when constructing our budget was
entertainment cost. Luckily, our only child is 17 and has a part
time job to pay for his activities, so we only really had to
worry about me and my wife.

We stopped going out to eat and to the movies as often as we had.
Instead, we would cook dinner at home, and then catch a matinee
movie for the cheaper ticket prices.

We started buying cheaper alcohol also.

Making these small concessions really made a large difference on
our spending.

We then started looking at how much we were spending on food. The
one thing that people do not really realize is how expensive
going out to eat really is compared to cooking at home. Since we
changed our budget, we have not been out to eat at all.

This includes fast food restaurants. Even though fast food is a
fairly cheap source of food, it still is much more expensive than
buying food at a grocery store.

A nice side effect of this budget cut is that now we are eating
healthier and are getting in much better shape than we were in.
We are both dropping a few pounds and finding that our energy
level is on the increase.

One of the easiest things we did to save money was to start
cutting coupons. $0.40 here and $0.25 there can really start to
add up when you are grocery shopping. If you're not cutting
coupons, then you're basically just throwing money away.

There were also a lot of just miscellaneous cuts that we made in
our budget that, upon first glance, may seem minor, but they
certainly add up.

One of the things was to lower the temperature setting on the hot
water heater to reduce energy cost. During past winters, we would
usually keep the house at 70 degrees. This past winter, we cut
that down to 65 degrees, and instead we just wore heavier clothes
around the house. This made a very significant difference in our
heating bill.

We also raised the deductible on our auto insurance. This saved
us quite a bit, and now we just make sure to drive more
cautiously.

One of the other things we did was to change our phone plans
around. We got rid of our land line, as we use it very little
now. We also cut down the plan we were on for our cell phones.
This means that we will have to be a little more cautious about
how often we are using our phones, but the savings were
significant.

We also started to do home improvement projects on our own. When
the sink drain got clogged up, I took the drain apart and cleaned
it out instead of calling a plumber. We also installed energy
savings light bulbs around the house.

These are among the many steps we took to make it through these
tough economic times. We never really understood how much money
we were simply throwing away each month. But in this time of
economic challenges, we found that we can survive on much less
than we ever thought was possible to do.




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Hadley Kincaid took up writing to supplement his family's reduced
monthly income. While he recommends that one should be careful
about using cash advance loans in times of dire need, he also
knows that sometimes we need fast access to fast money to cover
an unexpected expense. When that happens, Hadley recommends
http://www.fastcash4all.net/ for your payday loan needs.


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