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It seems as though most folks these days are dealing with similar situations. Our fixed costs are ever increasing and our incomes are stagnant or decreasing. Have you set up a monthly budget? Are you aware of what’s coming in and what’s going out? Do you have a plan? Are you sticking to your Debt Diet? Now of course, inflation is inevitable, but it feels more strenuous to most during hard economic times. So here are some tips on how to decrease our spending and not even notice!
The Analysis: If you just don’t know where to start, go back to January 1st on your bank statement and find a template online or create one yourself. What cash flowed in and where did it flow out? First start with listing your sources of income, housing costs, phone and utilities, vehicles and insurances; you get the drift. What did you spend on groceries? What did you spend on entertainment and eating out? What did you spend on clothing, gifts and booze? Now, what is your short term goal(s)? Paying off a student loan? Saving for a trip? Paying off a credit card? Where are you going to cut back on your spending? Not eliminate, “budgeting” is not about deprivation. All we are doing is redirecting our income to achieve our goals!
Around the house: Think energy savings! Turn off the lights, fans, computers, TVs etc. when not in use. Unplug devices (especially chargers) that you’re not currently using, even if an item is plugged in it is still drawing more energy than you would think. Be sure windows are locked all year round and consider turning down the water heater and thermostats. I know very well this is not rocket science but if you are consistent you will save money! Don’t forget to adjust the heat or air conditioning before you leave the house for the day or before bed! Also consider the amount of laundry that goes into the dryer, is it an option for you to hang dry more items? Other items to consider are: buying EnergySaver light bulbs; fix a dripping faucet; shorten your shower time; use a microwave or toaster oven instead of the oven when possible. If you have an older home check out Fortis BC’s LiveSmart program for energy saving incentives. Live greener and save!
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Now, what is your short term goal(s)? Paying off a student loan? Saving for a trip? Paying off a credit card? Where are you going to cut back on your spending? Not eliminate, “budgeting” is not about deprivation. All we are doing is redirecting our
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