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Many families are finding that their expenses are rising annually but their salaries are not. This puts a significant burden on the family budget. To make matters worse, many people spend more than they make. And these two things combined can strain a family budget to the breaking point. There are two things that you can do to remedy the problem: 1. You can go out and find another job. 2. You can reduce your monthly expenses. 3. You can ask for more money from the family trust fund. Unfortunately, number three is out for most of us, so we will focus on numbers 1 and 2. In many families, time is already at a premium and another job is out of the question. That leaves us with number two, reducing expenses. Although you may not realize it, there are many ways to reduce monthly expenses. In fact, in my new ebook, I go one step further, I don’t show you how to reduce expenditures, I show you how to SLASH them! Following are a few examples of how you might free up some extra money and loosen that choke hold your finances have on you. Let’s start out by talking about your credit cards. This is probably what got you into trouble in the first place. Leave your credit cards at home! If you don’t have them with you, you won’t be tempted to use them. You will only be purchasing items that you can afford to buy with cash. Food is an area where you can save a bunch of money. Do you know how much you spend on food outside the home? On average, families spend about $2,400 on restaurant food each year according to the Consumer Expenditure Survey from the U.S. Bureau of Labor Statistics. A large part of this amount is spent for meals during work or school. You can trim a substantial portion of this amount from your budget if you invest in brown bags and lunch meat (or my personal favorite; peanut butter and bananas). That represents a savings of almost $200 each month! With the economy in the crapper, interest rates are near all time lows. Check the rate that you are paying on your existing mortgage. If your existing rate is more than 1% higher than the current mortgage rate, consider refinancing. This is a very easy way to lighten the family budget. It can easily save you $100 to $300 per month. Wow! In a few short paragraphs, I’ve saved you almost $500. I think that’s quite enough for one article. Just imagine how much I can save you in the full ebook! Slash Expenses and get your financial life back in order. Check out my newest ebook for details on how to put money in your pocket (without resorting to another job or the trust fund)! Slash Expenses!
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