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Where can I cut back?

July 22nd, 2008 at 04:02 pm

I don't drive.

I don't own a house. (Not yet, anyway)

So just exactly where can I cut back?

I feel that the areas that I can cut back don't save me a whole lot of money.

I leave the AC on economy on 78 Degrees setting for my pet when I am not home.

If I am home, and it's not too hot, I don't turn on the AC.

I have been more consistent on bringing my own lunch.

I have been really working on not eating out.

I do not buy books online as I used to apart from the course books I need.

I guess I can be more consistent about turning off lights.

But I feel like I am cutting back here and there but they don't really make a significant difference?

I want to keep on being motivated about saving money. Are there any other ideas to keep me motivated in seeing the big picture?

3 Responses to “Where can I cut back?”

  1. merch Says:

    Start tracking your spending and then go from there. You might find you are spending money on bank fees, too much on phone service (no you need a cell and lan line?), rent is high in the neighborhood, etc.

    I would start there.

  2. creditcardfree Says:

    I agree. You need to know where you are spending your money to see where it can be cut. Maybe it is something in the grocery bill...snacks?

  3. Cindy K Says:

    Tracking your spending is an excellent place to start. Question everything. So much of the time we get comfortable with things that we don't see the extra expenses at the bank, on the credit card, or paying full price for anything. Case in point: The gym I belong to charges me $2 per month for the automatic withdraw of their payment from my checking account. $24/year. Doesn't seen like much, but I could use $24 in my checking account to pay for extra gas on vacation. I could pay the fees bi-annually and save myself $24. Until I looked into the cost of the membership to pay cash vs. ACH withdraws, I wouldn't have know. Question everything.

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