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I have had to do that. Make a list of all your subscriptions, movie services, extra tv channels, music channel subscriptions, road service, memberships in shopping sites, and cancel all of them.
Make a list of brand name items that you normally buy...laundry detergents, paper towels, toilet paper, deodorant and research the cheapest possible brands you can buy instead.
If you own a car, use gas buddy to buy gas, or join a gas membership that takes 10 cents or more off each gallon of gas you buy. Call your insurance company and find out if you can reduce your car insurance and save some money.
When you go grocery shopping, make a list in advance of the foods you absolutely need, and don't buy anything else. Set a dollar amount in advance and stick to it. Start making your own lunches and bring them to work.
Stop eating out. Yes, buying coffee is "eating out". Make your own coffee at home and bring it to work in a thermos. Stop buying beverages of all kinds. Stick to filtered water from your own faucet, and bring your own water bottles to work or when traveling.
Don't buy anything. NOTHING. Don't buy clothes, or shoes, or socks or underwear unless yours are literally falling apart.
Cut up your charge cards, and pay them off. You are bleeding interest every time you use them.
Make sure your bank doesn't charge fees for their services. If they do, move your money to a bank with free checking and savings with overdraft protection.
Make a list of brand name items that you normally buy...laundry detergents, paper towels, toilet paper, deodorant and research the cheapest possible brands you can buy instead.
If you own a car, use gas buddy to buy gas, or join a gas membership that takes 10 cents or more off each gallon of gas you buy. Call your insurance company and find out if you can reduce your car insurance and save some money.
When you go grocery shopping, make a list in advance of the foods you absolutely need, and don't buy anything else. Set a dollar amount in advance and stick to it. Start making your own lunches and bring them to work.
Stop eating out. Yes, buying coffee is "eating out". Make your own coffee at home and bring it to work in a thermos. Stop buying beverages of all kinds. Stick to filtered water from your own faucet, and bring your own water bottles to work or when traveling.
Don't buy anything. NOTHING. Don't buy clothes, or shoes, or socks or underwear unless yours are literally falling apart.
Cut up your charge cards, and pay them off. You are bleeding interest every time you use them.
Make sure your bank doesn't charge fees for their services. If they do, move your money to a bank with free checking and savings with overdraft protection.