What do you cut out of the budget when $ is tight?
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  1. #1
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    Default What do you cut out of the budget when $ is tight?

    Again, just reading through the old posts, and this comment caught my eye.

    What do you cut out of the budget when $ is tight?

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    Registered User Spirit Deer's Avatar
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    I'm hoping not to buy groceries except for milk for the next month at least, due to a ginormous vet bill we got hit with this week. We're overstocked with food right now, so it's perfect timing.
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    I would cut out anything extraneous:
    going out
    alcohol
    unnecessary food

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    Registered User peanut's Avatar
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    For us:

    Dining out
    Recreation (includes symphony, theatre, movies, etc.)
    Education (online courses, workshops, instructional DVDs)
    Hobbies
    Organic food
    Vacation

    eta: yeah, we live pretty high off the hog sometimes.

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    Same as above. No fun S.A. trips either.
    less driving. coupons for everything!

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    Registered User Sumacaroni's Avatar
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    hot school lunch for kids
    hobbies
    anything new re: clothing or household - must be bartered, borrowed, or second hand
    snack-type groceries
    movie rentals
    any recreation that costs ca$h like paid school functions
    no parties, no going out, no eating out, homegrown fun only

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    When money is tight, I cut out anything I don't need.

    If it's still tight...

    Then, I cut out those things which I can live without, but prefer not too..like I can live without the corn chips, the ice cream, the cereal, the paper towels, the new underwear, the name brand coffee, the herbal tea...

    There's a lot of things I've gotten into a habit of getting that I really like, but I can live without them and eat beans, rice, water and bread for a month or so.

    A pound of beans goes a long way.

    Backwoodsgirl

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    Registered User Contrary Housewife's Avatar
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    Anything not utilities, gas needed to get to work, food, absolutely needed medical, car payment and rent/mortgage.

    When we were in dire straits I found that certain bills, like the electric, gas, and phone could be partially paid, as long as they were getting something each month. Hospitals and doctor's offices will sometimes work out a payment plan if you call and ask about it as soon as you realize you cannot pay the whole bill. Otherwise they send you to collections ASAP.
    Use it up, Wear it out,
    Make it do, Or do without. ~unknown

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    But if you try sometimes you just might find
    You get what you need ~Rolling Stones

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    Registered User mombottoo's Avatar
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    What do you cut out of the budget when $ is tight?

    Anything that isn't necessary except my cigarettes of course...working on quitting but, until that day comes they are a necessity for me.
    "Life is what happens while you are busy making other plans." John Lennon
    "Infinite goodness has wide arms." Dante

    Change & Penny Challenges:
    Penny : $11.63
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    Grocery Challenge:
    Grocery $400 avg. per month: $122.58/$400 April
    Running Total: $1,243.92

    2014 Coupon Savings Challenge:
    $312.47

    Savings Challenge: $/$3,000 to be put into other acct. when goal is met

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    To date: $637.00 - $53.84 = $583.16

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    I cut out anything not needed to live...internet, cable, eating out or going out anywhere except school, church or job, snack foods, paper towels, soft drinks, no clothing or wants whatsoever etc....just anything and every thing we can live without.

    I keep electric and water. I access what I have and buy only those staples I need to get is through.
    Wife to Danny for 30 1/2 wonderful years.

    Mother of 2
    Ashley 27...
    Dustin 26...

    Blessed beyond all measure.

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    food no shopping unless necessary live on stockpile lived out of it one time about 3 months except for milk, bread,and meat.
    no spending except bills and gas
    no going out
    walk live within 1/2 block to grocery store and dollar general store
    no cable

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    Registered User ms.mel.who's Avatar
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    We overspent in January/February. So, I need to get back on track.
    The first thing I did was mealplan with panty items. I also put a notebook in my purse and started writing down everything I spend. Those two things alone got me back on track.

    In the past we have cut cable, cell phone usage, kids activities, lessons, etc...

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    In the past we had to cut:
    home phone and just had cell phone (we've continued that one even when things got better)
    cable- we lived years without it- I'd do it again, but we have it now
    downgraded our health insurance to catestrophic, but kept a low deductible (we went to $200 a month- had been paying $1400 a month)
    Bought less expensive groceries
    Cut back on driving a little
    No purchases other than consumable

    We lived on very little off and on for several years. Some of our frugality has stuck even when times aren't so lean which is what helps us to be able to do everything we can now.

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    I know I can cut back on groceries since I have a stockpile I can go to. Would cut back on any purchases and just make sure the bills are paid. Sometimes I can cut back on how much I take out for laundry since I may have extra rolls of quarters.

    It is annoying when unexpected expense comes around. Just glad I have a good stockpile to fall back on.

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    When money is really tight I cut back on groceries. I do no stockpiling and only buy what we absolutely have to have for the week.

    We also do no eating out and cut out any trips anywhere that aren't necessary.

    I've never had to cut the tv or phone, but would if I had to.

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