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Want to share how you're working those higher prices into your budget? Whether its higher gas price or groceries, heating costs or other living expenses, please share what's working for you.

Have you increased some areas to accommodate higher prices & cutting others? Is it reasonable to have to same budget each month or as last year w/price increases?
 

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I have to admit - nothing's actually "working" for me. I am aware of higher utilities' costs and higher fuel (petrol, diesel) prices every time I pass a filling station but there's no alternative, other than tightening my belt where I can.

I've found paying with cash as much as possible helps me stay focused on the need to tighten my belt: I feel very uncomfortable, using my credit card whereas with cash, I "feel" every penny. One thing that is happening, is that I am not spending on unnecessary items, whereas previously I didn't give most things a second thought.
 

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We sold the stock we had and stopped contributing to snowball more debt and compensate for the 2% rate "hike" in SSI

I am buying clearance bread and 1 gallon less milk per week.
I have been staying home and cleaning the kitchen for 2 weeks straight to reorg. As I plan to make bread,cakes at home

I am continuing to hyper pay debt/save
We arent eating out as much

I am pretty good at shifting things. Eventually the kids will move out and we will go down to one car,finish the last small bit of the 2nd mortgage.
 

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Higher costs of things...

Gasoline...less trips to town for me. Like 2 x a week instead of 3 or 4. List so things do not get forgotten.

Food...things that are on special. Or marked down. I use Aldi's and the dollar store the most. Then Sav A Lot. Only a few food items, have to get bought no matter the price. Like milk and white bread for him.I may at some point start making white bread again. If low on milk, I do use powdered for cooking or baking. Scratch cooking / baking.

Chicken grain...I get most of what I need now from a local farmer. Cannot afford the store prices. The wild bird seed just went up again,
and I told him to mix half cracked corn in the feed can, or the bird seed won't be part of this budget. The chickens lay eggs and so far,
we are matching their grain costs. If I can't sell enough eggs, then I reduce the flock going into next winter. Also we will grow what we can
for the birds this summer. Food for the dogs is about half homemade / half storebought. It is what it is with a old spoiled dog, and a fast growing big puppy.

Garden will hopefully be a bit bigger and I will can and freeze the surplus again. Recently I have seen canned vegtables in two different stores for $ 1 per can. That is mind boggling to me. I won't pay that for a 15 oz can.

Heating costs. We went to a outside wood boiler about 4 years ago. One of the most frugal and smart things we have done here. Propane would be pushing $ 2000 now for the year ,and the wood is $ 500 or less. Big difference.

Other items we need. Garage sales or thrift shops. If not finding, then a trip to a regular store for new. Use it up, wear it out, and or go without.

Eating out is 1x a month for the both of us. Sometimes it is only 1x every other month.

Cash is king. Trying to figure out things to barter in the future.

I do say NO to the hubby a lot. We need to plan to fit things into our budget. Things have to be on a list and what is priority has to be first. His list of wants always used to get priority, now I either make him wait it out, or just plain say no.

And I put together a EF last year. It's mine, and he doesn't know it exists. Or it would have been spent long ago. My protection for our budget if something really goes wrong.

Electric is $ 110 a month or less. Summers even lower. I read the meter every day and log into my notebook. Hanging about half the clothes in the winter.
 

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The gas bill bill has been awful for the last 2 months..the electric has not been much better. 600 for the both the last 2 months..I am trying to keep the heat setting at 71, putting an extra blankets on the bed..wearing sweaters and socks and warmer clothes in the house.

I am always going after everyone to turn the tv off in the kitchen and the lights off..but I am fighting a losing battle...it seems..

I only buy what is on sale...and I buy enough to do a while until next cycle when it comes on sale again...

I think everyone is feeling the pinch..

I am thinking about giving up my lysol wipe addiction for paper towels and vinegar and water spray...
we are recycling towels..
eating leftovers
we never go out anymore used to be a couple times a month, now once every couple months....
making more of my home made snacks..
making my own Take out food....

anyone else.....
 

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OM-dollar store spray bottle 1 part bleach/5 parts water. No wipes to use up garbage bag space. I turn the heat off at nught and run an intermittent space heater

LTD=too true. I constantly try to figure out ways to pay less interst as I snowball that last $30,000 in debt.
And yes I am the lights Nazi. I even count as i turn them out. (sometimes I laugh maniacally lol)
 

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We are cutting back our cable, not taking so many trips into town, keeping the heater off as much as we can, hanging clothes instead of using the dryer, not using the dishwasher anymore, visiting thrift stores more and yard sales for things that are needed.
 

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Have been buying less meat...or only buying is on discount. No more sandwich deli meats in this house...roast beef per 100 grams it 2.99....or I can buy a 2.5 pound beef roast...for 9 bucks...feed the family and use leftovers for sandmeat. Buying 1- 4L of milk a week...when it's gone I will mix up powdered milk to see Us till it is time to shop again...lots of apples...go through a 6 LB bag a week...since that usually runs about 5 bucks...or .80 a LB.
 

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Making a list and sticking to it
Asking myself , Is this purchase truly necessary.
Renting from Redbox and making popcorn at home instead of going to cinema
Taking leftovers to work the next day as not to waste food and save money.
Drinking more water and not purchasing soda.
Being more conscientious about lights on, decreasing temp of house, water use etc.
Watching gas prices and filling up when we find a new low price. Collaborating our errands so we don't use as much gas)
Eating out less and making more food from scratch.
Trim my own bangs. Color my own hair.
I think twice about using paper towels if not necessary.
Buying more ground beef and using cheaper cuts of meat, using up what is in the freezer (like venison).
I don't automatically put my clothes in dirty clothes hamper, more conscious if really needs to be washed.
Speaking to my DD and DS about frugality and giving them more responsibilty for their bills.
I am new at trying to live frugally. These are changes I have made in past couple weeks.
 
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We've focused on a lot of the big ticket items. We refinanced the house to a lower rate. DH took another higher paying job.

Overall, we're actually doing a lot better than we were doing.
 

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Driving less
Working more
Planning every purchase to the exact
Letting nothing I already own go to waste
Monitoring the utilities like a hawk
Wearing clothes as long as possible to cut down on laundry
Cooking more homemade items & baking more treats
Eating everything at home
Doing everything myself that I humanly can
Reading & learning everything that I can to stretch those $$'s till they scream

Planning an even larger garden for this summer - this will stretch the food budget, give me more items to barter with & more items to sell at the Farmers Market

Clearing out the craft closet, and getting everything finished for my booth at the Farmers Market this summer. Doing lots of research on new ideas for the booth.

Keeping up with surveys for extra cash, and mystery shopping.

Coming to terms with all my unnecessary clutter and my attachment to it - slowly weeding out items to go into my garage sale pile.
 

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Great question :)

* I am on the budget plan for utilities but can see by my carry over balance I will be getting a big statement at the end of the year and therefore my "budget" payments will increase.

* I have kept my grocery budget the same. Trying to eat at home as much as possible. Have done some freezer cooking. Making homemade snacks. I've got a recipe to make my own salad dressing. Also, planning to plant a big garden this year. Going to focus on produce that will hopefully grow well and is most expensive @ the grocery like tomatos.

* Selling a few items on ebay to increase income... it's not alot but every bit helps.


* Gas. Oy. I think I am going to have to up the budget on this one.... we are @ $3.83/gallon as of today. Once ski season is over our gas expense will fall a bit since DH won't be driving up to the mountains. I combine errands as much as I can

* I signed up for flex spending to help with the medical costs... again it's not much but every penny helps

* we refinanced a couple months ago... so we are reallocatting those funds as thoughtfully as possible

* I don't keep a roll of paper towels out in the kitchen. I have found out of site out of mind and grab a dishtowel.
 

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Ways i am that i am dealing with higher prices

At least one dinner a week is breakfast meaning eggs and toast or pancakes
Doing more scratch cooking like muffins, granola bars, cookies
Trying not to waste food
Shopping for two weeks when buying groceries and no running to the store to pick up something on a whim.
I feel i have a fair amount of hba's and food stockpiled so that helps with my budget.

If needed i could cut more expenses to make the ends meet, which may happen if costs continue to climb
 

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I;m making one gallon of gas last a month. I stay home or combine errands and plot my course.

I stay within my allowance.

I am buying more whole unprocessed foods and have started to get the stockpile going again. Making my own mixes and breads etc.

Menu plan and do a lot of OAMC

Watching the utilities

Starting a garden this year but I need all the luck I can get.

Working hard on the debt snowball. One debt paid off this year already and now onto the next.

The biggest thing is just staying home. No gas, no eating out, no unplanned spending if you just stay home and work your hobbies, watch netflix or work in the yard or housework. I enjoy me OAMC days and the days I make mixes or pull out the bread machine and make cinnamon rolls.
 

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, please share what's working for you.

Have you increased some areas to accommodate higher prices
With groceries................NOTHING IS WORKING!!!!!!!!!!! AND I AM MAD AND NOT GOING TO BUY SOME THINGS ANY MORE..............:thud:

Went to the store yesterday, after not going for about two weeks.................AND MY FAVORITE BREAD WENT UP..............it has gone beyond my price point and I am not buying it!!!!!!!!!!!!!!!!!!!! :weeping: I am hoping that it will come down.............will watch it. The Jimmy Dean Sausage did this over a year ago-----after I had raised my price to $2.50----only when DESPERATE and needing it for soup......but now it is down to $1.88...........that I will do.

The bread is one that just wouldn't be worth my time (and expense) to experiment with and get a good recipe..........it is a five seed bread..........and has sunflower seeds, poppy seeds, sesame seeds...........and couple others that I forget...........and some of those aren't so cheap to be "experimenting" with..........so I will "wait the price out"...............( I think)
 

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frugalfranny, bread is on of the thing here we have cut back on..the really good bread..the whole grain...
we buy whatever is the cheapest white or wheat.....

and prices at my grocery store keep going up
I won't have to 'cut back' on bread............will just have to quit buying that kind. I see the prices that some of you post for bread and feel pretty lucky here.

We do have some good bread bakeries here..........REALLY GOOD ONES (mostly out of Portland or Seattle)...........and I haven't been to the outlet store in months.........if not over a year.

My limit for my bread was $2.75---it was $2.57 last time I bought it..........over a month ago (put one in the freezer)..........and it was $2.78.........I won't do it!!

Truthfully.........I can find the good stuff right around $2.........and probably close to $1.50 if I watch for sales............I haven't been.
 
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