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-> Miscellaneous
anewday
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 Sun, Mar 22 2009, 11:37 am
HELP...I just discovered that every month were spending way more than we make (both dh and I work).
not sure where to start cutting things out. we eat very healthy and cannot cut down too much on food...
I guess im not going for my manicure apt this week, I do wash my sheitels myself...and we wanna move!
im so lost....what are some things to cut on?
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zigi
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Sun, Mar 22 2009, 12:15 pm
look where your money is going each month. then you can make a budget.
regarding food. do you have a lot of leftovers? do you use up all of the produce that you buy. buy whats on sale.
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Tamiri
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Sun, Mar 22 2009, 12:16 pm
(1) Entertainment
(2) Cleaning help
(3) Recreation
(4) Transportation
(5) Electric bills
(6) Gift giving
(7) Misc. purchases that you "must have" but really don't need
(8) Food
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GetReal
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Sun, Mar 22 2009, 1:04 pm
Tamiri, I was waiting to see you post here 
Write down every penny you spend. I use quicken, but you can do it on paper too. And then mark what is essential, what is unnecessary, etc.
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Tamiri
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Sun, Mar 22 2009, 1:58 pm
It seems to me that if OP just now figured out that income is less than expenditure, budgeting is something she and DH will have to learn. They need to first start cutting down, before even another day goes by, then take that old paper and pencil and write down every cent. It's easy to ask people in Imamother what is reasonable for rent, food, electric etc. and compare.
The first thing to do, however, is cut out anything that is not an absolute necessity, starting today. Pesach is not an excuse, it's a challenge.
Hey, did I just coin a phrase?
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greenfire
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Sun, Mar 22 2009, 2:04 pm
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learn to buy the same things as far as healthy eating ... only on sale ...
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chocolate moose
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Sun, Mar 22 2009, 2:32 pm
| tgiwbg wrote: | HELP...I just discovered that every month were spending way more than we make (both dh and I work).
not sure where to start cutting things out. we eat very healthy and cannot cut down too much on food...
I guess im not going for my manicure apt this week, I do wash my sheitels myself...and we wanna move!
im so lost....what are some things to cut on? |
I pay only 4 things I can't do myself. I can do a regular manicure myself, 4 example. Sheitals, not. But I haven't washed in a year ad a half, so that's ok imo.
Do you have mos that you spend less? Otherwise u might think about a 2nd job.
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