![]() ![]() We found him a new home with a family who lived on a farm – who happened to be a co-worker! He was a puppy (8 weeks old) destined to be a very big dog, and the money needed every month to care for him just wasn’t there. Although controversial for many (and a very hard decision for us to make), we found a new loving home for one of our pets.This didn’t lower the bill, but it helped to make it consistent each month. Contact your energy provider and see if they have plans that allow you to pay a bill each month that’s equal to the average bill over the past year.Once you save enough in an emergency fund, increase the deductible of car insurance to lower the premium.HERE ARE A FEW OTHER IDEAS THAT MIGHT HELP YOU THINK OF CREATIVE WAYS TO SAVE MONEY: This meant we could increase our recycling each month AND lower our trash. I learned that not only did the smaller trash cans cost less each month, but that a recycle bin was free. Since we weren’t making that much trash with just the two of us, I called the waste management company and asked if we could have a smaller trash can. Another reason for trading our cars though was to choose models that were more efficient with gas. Just by trading in our two cars, we saved $380 each month. It might sound counterintuitive to do this, but it meant lower monthly payments – which was the short term goal. If you find that you need to cut your monthly expenses even more, then you need to get creative! You’ve now made some serious progress at this point. Review your monthly expenses line by line and ask whether or not it’s needed, and cut it if the answer is no! 3. This helped us when we initially created our budget. Shop once a month and plan your meals. BUDGET MONTHLY EXPENSES FREE
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