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  1. #1
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    Default Article: Trimming the Budget when Everything's already been Cut!

    Learn how to Trim the budget when you've already cut out everything you can think of and don't know what to do next- Budgeting with little to no money

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  2. #2
    still digging' my way out
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    I too have gone through some rough times with my family. The advice above is terrific! Prioritize your spending. Odiously the basics come first, like rent/mortgage, food etc. We cut back on gas leaving only enough to get back and forth to work, and to allot for one shopping trip a week. At Christmas, my youngest son came up with the idea of only giving one gift to each other. Each gift was treasured because it was the only one. In good weather we would ride our bikes to the grocery store, about 3 miles away. Each of us carried a backpack and I had a basket on my bike so we could get home about 4 bags of groceries. As far as bill collectors go, here is a small tip, take advantage of your caller ID. if you don't know whose calling or if you know it is a collector, don't pick up. You know when and if and how you are going to pay them and trying to manage everything is stressful enough without them giving you deadlines you cant make. Pay everyone a little, each month, even if it is just 5 dollars, at least they will know you are making an effort. When things get better, and they will...negotiate or pay them off.

  3. #3
    What's a Budget?
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    We also have through process and the advice in this article is great. Remember you can't solve all your problems at one time. Don't try to change everything at one time . You will only be frustrated and more stressed. Try to change your current habits one step at a time one day at a time and avoid a lot of frustration.

  4. #4
    What's a Budget?
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    I have to say for the last several years since I was layed off and working now part time that the Budget living has been a long and arduous learning process. The advice here on this web site is so valuable. In addition I wanted to say to anyone that is working a budget and or still trying to make it work or just starting. It is a learning process and never get frustrated. Each month you work on it you find new ways to cut something. I examine every bill that comes into the house to make sure they did not make an error. They frequently do, especially the cable company. I have in addition changed my eating habits. One thing is I found it very hard to purchase some of the items that I need as they are expensive from the health food stores. But so is changing my eating habits. So I realized that I do not need to change the pantry all at once, Just throw in a new meal or two a week and that enables you to buy a new ingredient once in a while. I have not completely removed everything bad and replaced with good, I am doing it over time. That enables the house members to slowly adjust their meal likes and it is softer on the shopping budget. The other day I was making a new dessert and my neighbor and I were going over the ingredients and she said what do you need, I went over and only needed 3 items. She wanted to help and know about my budget and purchased those items for me, but the funny part was, she said do you have agave syrup, and then laughed and said of course you do. Only you would already have that in your cabinet. In addition to helping my budget and my health, I am helping some of the neighbors to see the value of healthy eating. Win Win All around. They want to know where I get all my valuable information. I tell them Budget101 But as I was saying, DO NOT FEEL like your failing. It is a learning process and it takes time. But when the money is good again then you will still be budgeting as it has become a way of life and can use the left over for savings. I have managed to put away 400.00 into a savings account for a rainy day.

  5. #5
    What's a Budget?
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    Default Re: Article: Trimming the Budget when Everything's already been Cut!

    Quote Originally Posted by angelsvn24 View Post
    As far as bill collectors go, here is a small tip, take advantage of your caller ID. if you don't know whose calling or if you know it is a collector, don't pick up. You know when and if and how you are going to pay them and trying to manage everything is stressful enough without them giving you deadlines you cant make. Pay everyone a little, each month, even if it is just 5 dollars, at least they will know you are making an effort. When things get better, and they will...negotiate or pay them off.
    I really like the part about creditors, I have been out of work for over 4 months for medical with no pay. I screen my calls already but I figured I had to pay the full min balance. I can send 5 or 10 dollars every month. It will allow me to also pay on my medical bills.

 

 

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