After budgeting for the essentials, there just isn't much room for cutting in my budget. It seems like all I've got are the perennial targets, food and household items. Severely reducing eating out costs is the easiest score, but my wife's fast food habit will be tough to break. And she always gets the expensive combos, where I always get the $2-3 worth of items from the value menu with water to drink in the rare case when I am stuck eating fast food.
A big part of my budget is CC payments now that most credit card companies have raised the minimum payments to something like 2% of the total, and the last CC balance transfer I had to take for college might be 3%!! My CU still has the ridiculously low minimum payments though, and that really can lead to trouble. Before I always had the attitude "Later", but now I realize that I can't do that, "later" has to be NOW!!
It's not easy to squeeze a budget,and I guess large minimum payments are good.
January 14th, 2008 at 06:55 pm
January 14th, 2008 at 07:49 pm
January 14th, 2008 at 08:53 pm
January 15th, 2008 at 05:58 am
In Decemeber, I was drinking 2 $4 coffees everyday. When I was budgeting, I knew I had to cut this. So the next week I got 2 $2 coffees, then 1 $2 coffee, then $2 coffee every other day... Now I only buy $2 coffee on the weekends.
I think going cold turkey is hard because you crave it. Just a thought.
January 15th, 2008 at 06:44 am
January 15th, 2008 at 11:20 am
January 15th, 2008 at 01:07 pm
& they always sound incredulous I don't want to buy their overpriced sodas. Am I the only one who figured this out?
January 15th, 2008 at 01:18 pm
Try weaning down. Take it from someone whose been there, you could tell me all about the money I would save and I wouldn't care if I had to go cold turkey or shoot for an impossible standard.