How To Keep Your Budget From Being The Biggest Loser

Dream or nightmare? As we count down to the scariest night of the year, I will be sharing scaaaaary story of the steps we need to take on the way to success. The latest is the dreaded “making a budget“. How can you make sure yours isn’t making you one of the biggest losers?

Squeeze that cash a little more...Squeeze that cash a little more…

We are all making ends meet, despite the gap in between the red and the black, so here are a few things we have looked at that gave us some breathing room recently.

  • Look at your current spending: How do you know where you are going, unless you know where you are? Keep it simple – major expenses such as utilities, food, loans, annual expenses, etc. Don’t forget cash! Get to know where your money is going, and see if you can get it going where you want it to instead.
  • Look at your insurance: there are so many options, variables, deductibles, limits. A good broker can run the numbers, just to see if there’s a way to save.
  • Call the phone company: just call and see what they can do to reduce your bill. I cut mine in half – give it a try.
  • TV; lets just say we are having a lot of fun between Netflix DVD and Watch Instantly options. They are keeping us well entertained. $15 vs $75/month.
  • Check your closets: Yep, the stuff we keep can get in the way of feng shei, and also bring you a few extra bucks. Try Craigslist, eBay, or a good old fashioned garage sale.

What have you done on the road to making the most of your scary, or not so scary budget? Tell me what works for you, and more importantly what didn’t.

Find the fun in being a grown up and enjoy your week as a winner – Heather

heather_50x50(Heather’s dream is to have multiple streams of income, starting with launching an e-commerce website that showcases her one-of-a-kind designer jewelry, which are crafted by her.  Heather’s post day is Thursday and her newly launched sites are couture jewelry available through For Your Adornment, and  Twitter background
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Heather’s dream is to share with the world her success at becoming healthy after age 40. Heather lost over 88 pounds through changing her diet and incorporating exercise into her busy life. She would like to take what she has learned about becoming fit after 40, and using her Metabolic Training Certification to help others struggling with weight issues mid-life. Heather’s post day is Monday.
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  • Thank you for you great comments! I know we are not the only ones living by a tight budget during these times!

  • Kim, the traveler

    Healdsburg has the best goodwill. They’ve changed things around and improved it even more. Once I went there and saw something we donated being sold. But there are great finds there, especially with clothes.

  • Veronica

    I love goodwill, I have sent them some pretty darn good things over the years, so hey other people must also.

    I sit down with my finances at least once a week just to stay on track, it is so easy to get off track.

    veronica

  • Catherine

    I love cleaning out my closets and drawers, getting rid of stuff I never wear. It makes everything else left feel brand new. You know me and Skype – I am all about the cheep phone bill.
    Just don’t see me at Goodwill …

  • GREAT suggestions Heather and I love this quote: “Find the fun in being a grown up and enjoy your week as a winner.” It really can be fun to be a grown up… :-)

    I am practicing tracking my spending as you suggested by actually keeping a little notepad in my purse where I jot down EVERYTHING I spend daily… I’m not yet in the consistent habit of it, but have committed to doing this for a month daily (finding it already makes me much more mindful about my spending when I watch where every penny goes!).

    Will check into reducing my phone bill as well… Thanks for helping us all make the most of our money! You’re awesome :-)

    Cheers,
    Lisa

  • Remy G

    I learned many years ago that many business owners dont like to use the word budget cause it feels like a diet, a restriction. I like to call it a profit plan. Reduce your overhead, and focus on variable expenses. We need to pay rent, car payment etc that stuff pretty much stays the same. What varies are the things you describe…and you are right, we can renegotiate anything. All I did was call Comcast and ask how their package compared to ATT and I got 2 months free service and rates from 5 years ago. Im such a bully.
    Thanks for the reminder Heather. Rem