Cutting expenses

  • Debt-Free Transportation: Tips for Ditching Car Loans and Interest Payments

    A vehicle is one of the most expensive things you will ever buy and most of us need, or at least believe we need, a car. If you live in an area that doesn’t have an easily accessible public transportation system, you probably need one. Owning a car is expensive. You have to pay for Read more

  • Managing Your Spending

    If you’ve been tracking your expenses you may have a good idea of what your spending habits look like. If not, go back to the blog and read Awareness and Budgeting. Most people spend more than they realize on various categories, even after making a budget. But a budget only works if you follow it. Read more

  • Cutting Expenses – Memberships and Subscriptions

    You can literally get a subscription to almost anything these days. Streaming services, apps, food boxes, books, music, movies, and a thousand other services. On sites like Amazon, you can literally turn any purchase into a subscription. They offer discounts for signing up and generally, the cost seems pretty low. “Just $9.95 a month for Read more

  • Cutting Expenses – Cable, Internet, and Phone Services

    These are common services most people utilize and pay for and often pay more than necessary without thinking. It’s possible to utilize these services for a lot less than you might think. Cable For me, the cable is eliminated. I don’t typically watch tv so in our household, it’s an unnecessary expense. We do watch Read more

  • Cutting Expenses – Utilities

    Most of us pay for them and they are arguably considered a necessary expense. Whether you own your home or rent, you likely pay for basic utilities like electricity, water, sewer, gas, trash pick up, etc. And we likely pay more than we’d like to for them. While we may not be able to eliminate Read more

  • Cutting Expenses – Insurance

    Insurance isn’t a bad thing, it’s there to protect you and your assets from damage, loss, liability, and a whole list of unforeseen and unplanned events. If something happens and you don’t have insurance, the cost is going to come out of your pocket and if you don’t have the money to cover it, you Read more

  • Cutting Expenses – Transportation

    For most people, transportation is one of the largest expenses in their budget. When you factor in the cost of gas, maintenance, repairs, and insurance, those numbers can add up. If you’re making payments on an auto loan, the expense is even higher. Do you really need a car? If you live in an area Read more

  • Cutting Expenses – Food

    After gaining an awareness of your spending habits and creating a budget, it might be a good idea to look at what you can spend less on. Sometimes simply being aware of how much you spend on certain things is enough to make you think about purchases before you make them. That action alone can Read more