Down on Living Expenses
Many families find
it difficult, if not impossible to meet their expenses and save
something for a rainy day. As the price of products and services keep
rising, salary increases seldom keep pace. By the time a graduate
enters the work world, he is already in debt to loans and credit
cards. This makes it hard for the graduate to find the kind of job
that could help meet his expenses. From that moment on, the average
citizen finds himself in perpetual debt that lasts a lifetime. They
are locked on a treadmill that doesn't allow a moment of joy.
There are methods
that can be employed by the average debtor to ease financial pressure
that doesn't require living on a street corner.
The Food Budget
is a major expense on every family budget. Many products on store
shelves are nutritionless and come packed with sugar, fat and
unwholesome chemicals. Here are some tips where you can save more and
not compromise your health:
a list of essential items and the amount you are prepared to spend
on your food budget.
advertising fliers and newspapers for specials. Clip out some
anything that comes packed with sugar, fat and unwholesome
at farmer's markets where produce is fresher and doesn't come with
pesticide residues and chemical preservatives.
in bulk. Things like rice, pasta, beans and dried goods can last
indefinitely and can be made to stretch over the weeks.
geriatric brands. Items such as honey, baking soda and spices are
all the same no matter what's on the babel.
food at the grocery store. You don't need to purchase toothpaste,
magazines, cleaning liquids that come cheaper at thrift and dollar
down on eating out. Do you really need to order in Chinese food and
pizza when you can make your own pizza and TV dinner?
your own lunches instead of buyng at the fast food or the canteen
your clothes with a full load. Wash them in cold water. Hang your
clothes to dry instread of using your dryer.
is a drain on power and hot water. Load it when you have a full load
of dishes to was. Use the overnight dry setting, or keep the door
partly open to allow the dishes to dry overnight.
efficiaet refrigerator can cut down on power consumption. Ask of you
really need an automatic ice maker.
Unless you are
entertaining guests, don't use all four heaters on your stovetop.
turkey and chicken in the oven, but you don't need it just to keep
food warm. A microwave heats food in less time than the oven
Home Heating and
an efficient furnace
the air filter regularly
down the heat settings when you're not home or when you retire for
the night. A cooler bedroom has been shown to aid breathing and
your hot water tank with an insulated blanket to keep the tank
warmer longer. Turning down the temperature to 110 degrees cuts 3 to
5 percent on your heating bill.
a tankless water heater. Popular in Europe, you get hot water only
when you need it.
your windows and doors. A lot of room air often escapes to the
outside. Well installed windows and doors can shave off up to 15% on
your heating and coolong bill.
your air conditioner on off-peak hours.
warm clothing and sweaters during the winter months to offset a
lower temperature setting.
the sun in during the winter. Use curtains to block out the sun in
the heat of summer.
are plenty of other ways you can save such as using right lighting
and entertainment expenses such as dinner parties, movies and eating
out. Everyone can live frugally without having to sacrifice pleasure