I really liked Tawra's site Living on a Dime and I really feel challenged. We've been living on a fairly low income for years, but even so we were able to become debt free as well.
My mom always says "It's the little things that get you." when it comes to purchases. If you havn't already done this, write down every penny you spend over a 2 - 4 week period and you are sure to find something you could eliminate and instead put those few pennies into savings. For example, don't eat out for a month. Or limit video rentals, beauty purchases, etc. I have 2 sons and we decided to purchase hair clippers for $12. The price of one adult haircut. Two years later, we are using the same clippers for my husband and both sons for every haircut! I'm convinced, "It's the little things that get you!"
I'm not sure that helps us. We already cut our own hair, don't have cable, don't rent movies, don't eat out, don't use dry cleaners and other expensive services, don't buy much of anything not already on sale, fresh (like fresh veggies instead of frozen), or bulk, don't buy books but use the library....We already don't trickle money out. We're even learning to use a solar oven to not use the stove and oven much. Our electric and water bills (for 4 people) are half of our neighbor's (2 people).
The unexpected things are like a car repair, a medical visit (rare), a school activity or project...We've removed all of the little things we can think of. I'm not sure where else to look for pennies or dollars! :-)
We live on a very tight budget & have savings deducted automatically every month. This way it is a "bill" and there's never the temptation to not put it in savings. Have you considered a part-time job? I do Pampered Chef in the evenings and all that money is our fun/extra money - it is not in the budget. Having a little extra makes living with a budget easier and less stressful on the homefront. For more info check out my site - www.pamperedchef.biz/cookwithdebbie.
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