Cut Your Financial Fat
Face it: you’re poorer than your parents. You may be some future hot shot, but right now, you need to save. Here are five really easy, relatively fast ways to cut the fat–that stuff you have but don’t need to have–from your budget. There are 1,000 others.
2. Soda and Starbucks
That stuff’s killing you anyway.
3. Random “Deals”
Grapes are only 10 cents! A six pack is a dollar! That’s $1.10 you weren’t going to be spending anyway, pally. Unless this purchase replaces something you’d be spending more on, it’s not a deal. Don’t buy it.
4. Shaving Cream and Disposable Razors
One of our on-site skippers stopped using shaving cream entirely for about 2 years because he lived out of the country and couldn’t find it. You could at least buy an electric razor. It’s not as cool, but hey, neither is wasting money.
5. Anything “New and Improved”
If you couldn’t live without it, you’d be dead. Stick to the basics.
Look, if you don’t have much money, you shouldn’t spend extra, period. This worksheet from Crown Financial Ministries is called the “Crisis Budget.” It’s everything you need to help your family out. If you don’t want to cut some of this stuff, fine. But using the Crisis Budget can help you see what you absolutely need, and you can choose to spend extra after that. Enjoy. And stop acting like a fatty.