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Or worse is the pay check already spent before you get it?
There is a solution, there is help, you can break this cycle.
I was there once. It was the middle of the winter and my husband had just lost his oil job and I was supporting the family on my single income. I understand how stressful and hard it is. You don’t know if you will be able to put food on the table and pay all the bills.
We found our way out of this cycle once we started using a budget and looking into where all our money was going. You will be surprised where you can find money once all your spending and income is written down on paper. You can Rock The Budget thing, don’t be stressed or scared any more. Budgeting isn’t as hard as it sounds. Once you do the initial budget and compilation of information you may spend twenty minutes every other week or weekly reviewing or tweeking your budget to ensure it works.
When we put our income and bills on paper I found money…
I found items we were spending money on that we could cut and instantly we had more funds to put toward the important things. Eating out was a huge money vacuum for us. We did the typical order take out after a hard days work. Now we are more prepared and we use meal plans, freezer cooking and our slower cooker to save us money.
Are you looking for a new career or a side hustle to help with the household income?
Maybe your a single parent or stay at home mom and you aren’t able to cut the spending or stretch the pay check anymore than it already is. If this is so please read a post I wrote a few weeks ago about 50 Great Side Jobs For Moms & Dads This post is full of great jobs that you can do from home, work around your kids school schedules, add on to your already busy work schedule. You can make more money so you can provide for your needs.
If you are looking to save more money try these suggestions:
- Set a grocery budget a stick to it
- Stop eating out
- Brown bag your lunch
- Cut the cable and landline
- Start using a meal plan
- Learn to say “NO”
- Shop for deals and use coupons
- Go meatless and eat your greens
- Start using cash envelopes
- Start using a plan and plan to save
If you are needing inspiration to save money and live more frugally checkout this post 50 Frugal Living Tips That Will Save You Money I also want you to take something into consideration when you are trying to save money. “You can save money. Stop spending money you don’t have, to impress people you don’t like. The Joneses are broke anyway.”
If you are needing more inspiration and trust me there is a light at the end of the tunnel you can read about how we are saving and paying down our debt here.