|3 years ago :: Nov 30, 2010 - 7:27PM #51|
I have moved into a wonderful new house.
And I have discovered that I had depended on a lot of services. These expenses and their bills, have been eating into my bank float!
So I need to consider ways to exist without spending money. What did you ditch when you had to?
|2 years ago :: Dec 21, 2010 - 11:47AM #52|
What can be ditched?
ANY 'monthly fee' services you can do without - landscaping? newspaper delivery?
rethink cell phone use and plans if possible
(I do think you need to keep a cell phone, so that you stay in easy reach for emergencies, or if job-hunting, or if you have kids)
what can be rethought and restructured:
talk to utility companies about going on an 'equal payment plan': the monthly bills are set at a constant amount, thus helping with budgeting
review insurance needs - you do need insurance (usually), but may be able to find a less expensive policy for life insurance, homeowners insurance, automobile insurance
Consider your normal schedule for 'personal care' like haircuts for instance - can they be stretched so you go longer between visits? (applies for a lot of stuff, if you use them -manicures, dog grooming, massages - some of those can be eliminated, others can last longer between visits)
more drastic measures
sell a car (or two) and make do with one car
get a part time job
Blessed are You, HaShem, Who blesses the years.
|2 years ago :: May 11, 2011 - 9:27AM #53|
I also did time as a geologian!
I don't have a gym membership. My social and contamination phobias preclude sweaty company!
But I do have the full range of cable services.
I do my own gardening.
The mobile phone is costly. Half of that is fixed charges. The biggest variable component is Web browsing.
But my need for reassurance, I reckon caused my heavy demand for financial services! I'm thoroughly insured and warrantied!
Yes, I have halved my expenditure on food necessities, by buying those at a discount store!
I need to buy (have neglected) footwear and clothes! How do you do that cheaply? I have an unfortunate perfectionism tendency.
I do pay a bit extra for renewable electricity.
Yes, for car insurance, I want to read a thick policy, so as to economise on that next year.
I don't consume manicure or dog grooming services. But my psychologist sent me back to my masseur to unwind!
My previous doctor wanted me to leave my car garaged, and cycle instead! But since I moved 10 km further out of town, I found myself cycling less. I need motivation to go out exercising as the weather gets wintry!
I am medically precluded from (any significant) employment, unfortunately.