Cutting the fat

iVillage Member
Registered: 04-08-2008
Cutting the fat
10
Tue, 11-13-2012 - 11:10pm

So our montly shortfall of $90/month is going to skyrocket to $477/month come Jan. So we are cutting the FAT big time here! We are also doing things to earn extra income (but that's another thread, heehee).

What do you do to cut costs?

- VIA instant coffee instead of regular lattes

- hamburger instead of chicken breast

- taking the bus instead of the train

- only buying food for the kids when we eat out

- using more coupons, free items, etc (like "take our survey and get a free")


Please share!! :)

Dee

iVillage Member
Registered: 12-31-2010
Tue, 11-20-2012 - 2:31pm
Norma - We cut XM as well, but still have Direct TV at home as well as Netflix. So sorry to hear about your job - how about shopping it out now instead of waiting for the shoe to drop? Many firms are doing better now and you might be able to find something that is a bit more lucarative. Good to hear about your DH, what a great guy he is! And that industry is NO where near back to economic strength. Huggs, Marie
#Marie
iVillage Member
Registered: 04-08-2008
Sat, 11-17-2012 - 2:16am

yes, we did that and had a year of $65/mo cable, internet and phone! then it ballooned to $185 when the deal ended. So don't forget to roll everything back at the end - we have every upgraded included. I rolled back some of the features to get us just under $100/mo.

We do most of those things too. I refuse to give up eating out but have cut down dramatically. Like tomm, it's date night so we'll go to dinner. But we don't have cellphones so between the two of us, our monthly date nights are covered! :)

great suggestions! thanks,

Dee

iVillage Member
Registered: 10-01-2008
Fri, 11-16-2012 - 3:15pm

Follow up:  I called my cable company and got my bill down $15.95 a month for the next 12 mos.   

Worth giving them a call and being nice!

iVillage Member
Registered: 10-09-1999
Fri, 11-16-2012 - 1:07pm

for us we have really trimmed down...my DH only works 8 mths of the year, no work nov thru march, so we just live on my income.  I make enough & usually get a large bonus at year end, so we are ok...but I watch everything very close.  For us we go weeks without eating out & if we do eat out it is very cheap, maybe $25...I don't do Costco when things are tight either, I plan our weekly menu & hit Walmart or the local grocery, we do have 1/2 beef in the freezer so I use that & I received a $200 lobster gram last Christmas that I purchased clam chowder, chicken noodle soup & lobster tails, the tails are still in the freezer along with one box of the soup, we can use those for a few weekends to help the groceries stretch.  I made my laundry detergent, mixed the dry ingredients & should last about a year, you only use about 2 tablespoons per load...this too helps with the grocery bill.  We are going on vacay in Dec & I would love a pedicure, but I'll do it myself with my own polish to save the $.  I sit at a desk for my job & my neck & shoulders hurt a lot, I used to frequent the chiro, but I read an article written by a Dr. that there are exercises to do on a daily basis that can be as effective as the chiro for neck pain, so I've been doing those & haven't gone to the chiro since March. 

Cindylee

iVillage Member
Registered: 11-14-2008
Fri, 11-16-2012 - 10:27am
I was feeling broke.... and I haven't had a new parka in a long time. My older one is just yucky, you know, the cuffs are a little dirty and it is out of style. I went to a twice as nice store(used clothing) and got a London fog pretty nice stylish parka for $16. I paired it with a colorful scarf I have not worn in a few seasons and I am totally happy. It feels new!!
Community Leader
Registered: 08-25-2006
Thu, 11-15-2012 - 5:52pm

Pay more attention to sales and coupons

Use 1/2 to 3/4 pound of hamburger instead of a pound

Make my own Latte's at home.  If I do buy them, use coupons when ever possible. 

Put off buying some things on my grocery list that can wait.  (i.e.  need salt, but we are not out, so not urgent for today)

 

Serenity
Avatar for turtleemom
iVillage Member
Registered: 07-25-2007
Wed, 11-14-2012 - 10:42pm

eliminate tv service

cut out kid extra curric classes for the time being-or ask for classes as gifts

no eating out

eliminate snack size or individual wrapped snacks

cut out pop, coffee, or alcohol purchases-if you can't cut it out, cut it in half

cut holiday spending by $10-$20 pp-adults will understand kids won't notice

homemade soups for meals

cancel newspaper service-read online

lower phone plan minutes

lower heat when not home

 

iVillage Member
Registered: 12-23-2005
Wed, 11-14-2012 - 4:13pm

I also do alot of cooking from scratch which does save alot of money. I have started buying clothes for everyone only when needed which is a win win for me saves money and less to pick up off the kids bedroom floor! I do buy alot of my grocerys from sams club with a family of 7 we don't end up throwing much away. And I do make my own laundry detergent which also saves a bundle with all the laundry I am doing. Mandy

 

iVillage Member
Registered: 10-01-2008
Wed, 11-14-2012 - 3:39pm

I cut my XM radio subscription that I have had since 2004.  It was only $27 a month and had survived through most of our bankruptcy.  But the electric bill, which I have averaged, just jumped $22 a month.  So I finally gave up and cut the tie.  But, they did give me two free months, so I will have service until Jan. 25th.  I just have to mark my calendar and remember to call and cancel.

When DH is on vacation, I'm having him return one of the cable boxes.  That will save me about $10 a month.  

I do a lot of cooking already, I'll just try to be smarter about purchases.  My chickens continue to furnish me with lots of eggs.  I'd like to start charging at least $1 a dozen if I can get my husband to do so.  He keeps giving them away!  I get 8 - 10 eggs a day.  

I'm doing all of this because I may loose my job.  I have never seen it this slow before and things are not looking good.  My employer has developed his & her bad habit of gambling more & more.  They take a trip at least once a week.  Plus other employees tell me he is drinking considerably more...NOT GOOD..... :(  

I can petition the Bankruptcy court to lower my payments until I can find another job.  Life goes on...regardless.

I may shop insurance rates for my home owners and car insurance one more time.  The homeowners is due for renewal in January.  

Good news, DH is doing extremely well in his job.....makes me proud!  

Have a great day.

iVillage Member
Registered: 11-14-2008
Wed, 11-14-2012 - 10:44am

Cooking from scratch is often helpful and have a no meat day per week.Cook with eggs more, they are cheaper.

Only buying clothing when absolutely necessary. Say no to a few functions, not all just a few(hopefully the ones you don't want to go to anyway), you would be surprised how much money you save this way.

I wish you luck with earing extra cash, being aware of the situation and working through.