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JB | Ok, my husband and I really need to cut back on our monthly spending and i need your help? |
monthly bills
groceries-260
gas 100(he only fills up-i never go anywhere)
internet 35
cell phone 85
credit card min payments-150
auto insurance 140
vehicle payment 560
home 735
studnet loans 200
Dish 30
So, as you can see we are cancelling our dish, cell phones, and internet.
I am wanting to cut back on groceries. there are 2 of us and a baby(formula only)
can someone give me ideas on what else to cut back on and what I can buy at the grocery store for cheap that will last 2 weeks?
Additional Details
Ed-yes 150.00 in minimum payments-this has decreased since we used to have 650.00 in minimum payments.
Husband is on commission so the paychecks vary from 2200 after taxes a month to 6000 a month after taxes. right now the paychecks are decreasing.
140.00 a month for car insurance. we are both under 25. We have liability on one vehicle and full coverage on the other.We just took defeinsive driving courses to give us a little more of a discount.
We do not have a land line-we have T1 internet through erf wireless. it is 35.77 a month. i have a router hooked up to my desktop so i get it free on my laptop.(Christmas gift from family to me) |
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Jim
 |
I would try to cut back on the groceries by using coupons, store brands and look for sales. Some of the stuff you have is tough to lower, but you can try by attempting to get a lower cell phone plan. You could get rid of the internet and TV and just get a Netflix for $15 a month. Take everything extra that you have and pay off your credit cards. Don't keep using them or you will never get ahead. When you have extra money at the end of the month, pay your CC, don't just blow it. Build a budget sheet so you know how much money you have at the beginning of the month and only spend what you have to. Cut down on dining out and misc spending. |
|
ed
 |
Lemme see.
FIXED EXPENSES
Home..............735
Auto ins..........140
Car Payment..560
Credit Card....150...Minimum??????
Student loans..200
TOTAL...........1785
Descretionary Expenditures
Groceries....260
Gas..............100
Internet...........35....Delete
Cell Phone.....85....Delete
Dish................30....Delete
SUB TOTAL..........510
Deletions...............150
NET........................360
TOTAL..................2145
Is this anything below your net take home pay?
If so, something is missing.
Those are pretty low Descretionary Expenditures, 360
If you're able to cut 150, please consider paying more than minimum on the credit card. Not knowing your interest rate, that could be eating your lunch.
Don't know your locale, but Car insurance appears high, 140.
That's 1680 per year. WOW. Are either of you under 25 or less?
Unless you've had accidents or moving violations, you need to shop around.
You may be able to bring this down to 80 or so.
If you're under a hardship, can you do anything with the student loans?
Internet seems high. NETZERO dialup is only 9.95 per mon.
If you delete the dish and internet, rest assured you will be spending something for entertainment, and should.
I don't see a land line phone here. Surely you have that for internet. SEE above.
I see no utilities.
You may save some on groceries but that is limited. |
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Benjamin Franklin
|
Look for good deals at stores, buy store brands, not brand names, cut back on driving-only necessary trips, cut up your credit cards-just pay them off, put the money saved towards paying off and eliminating something like the student loans. |
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googie
|
Sorry, but you don't need help from any one else to untangle your financial mess. When one spends more than they can afford then the non-essentials must go.. Reduce vehicle payments by getting into a cheaper automobile,extend the mortgage payment to the maximum allowable time if not already there; see if student loans can be reduced by half, temporarily. Also you try to find a part time job to supplement income and husband can also work a second job until the financial crunch is gone. |
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Hayley
|
well look for coupons.. and bu whats on sale..ive been doing and been keeping my limit low..
can u keep your cell phones and removed features that cost extra.. i jus did that :) ... if u get rid of internet, get a wireless router.. im able to pick up asignal so i dont pay for it.. i cut cable over a year .. im always working anyway.. so that saves $50+ a plus.. and i get basic channels. but who cares.. i watch a few shows and the news..
and car payment that high??? anyway to downsize? |
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sue
|
check out the book "pay it down" it has loads of ideas to cut out debt. Your library may have a copy.
Some ideas for now...
call your credit card companies and see about getting lower interest rates
shop around for cheaper insurance rates |
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astralpen
 |
You should also consider generating additional income. It may mean that one of you will need to work evenings or weekends. Also, look around for a better paying job. |
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chelsh31
|
I buy bulk bags of chicken
noodles (for mac & cheese, or w/ spaghetti sauce, etc.)
bread
cheese (grilled cheese)
peanut butter (pb &j's)
ramen noodles
canned vegetables (cheaper than fresh but rinse them to get rid of the salt and extra stuff that comes in the liquid)
eggs (keep you full for longer)
oatmeal
Or make large batches of soups that you can eat for several meals
You want to look for high protein foods that will keep you full for longer, that way you eat less, therefore buying less groceries. |
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JaredBalis
 |
For the auto insurance part, you should contact a local agent who sees the local rates every day and knows the companies that sell insurance there. A local agent would be happy to help you through this and try to get you a better policy at a better price. Hey it can't hurt.
To connect with a local agent, fill out the quote form located at http://www.myinsurancequotes.net. A local agent will contact you and help you get started.
Jared Balis
http://www.utahinsurance.org |
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JOYJOY
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Before you go grocery shopping besure to look at the ads for the stores around you for the best buys. Also, use coupons! For your cellphone, maybe try a cheaper plan. |
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Big Bully
|
Dont know what state your living, but If you are struggling financially, you may want to look at Wic, this will cover your babys needs for milk and formula.
You may have to fudge a little. |
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Chicken Boo
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Breast feeding will cut out the formula. |
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Tommy G
|
A car payment of 560 means you have either multiple cars or a really nice car. You might think about selling it and buying something more economical or if multiple cars sell one since only one of you goes anywhere. Groceries, try to buy the less expensive "generic" type goods, shope more at Wal-mart or big box stores instead of local mom and pops if possible since it is generally cheaper. Everything else seems to be ok.
Pay more on your CC to get those payments down before you save for anything!!! |
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lbirkby
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Trade in your car(s) for cheaper ones. It is better to drive old cars and save on car payments. |
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