Working on our Household Budget
When working on our Household Budget plan, it is hard to ignore that times are tough financially all over the world. We are in the middle of a global recession that many believe is as bad as the Great Depression of the 1930’s. I would challenge this presumption with facts but right now but because many people are losing their jobs, their incomes are getting cut, and their expenses are going up, it is hard to change the mindset that has pervaded the culture through media to believe such a thing.
It is said that a recession is when my neighbor loses his job and a depression is when I lose mine. When in financial straits, it is hard to see the forest for the trees and easy to panic if more expenses have been created than the income can handle. It is easy to see how these people might find themselves unable to cover all of the monthly expenses they have in their household budget plan. When that time comes for you, take a look at your income and expenses and find a way to make ends meet. It can be done, and it can be done by anyone.
The first thing is to take a good look at your household budget plan and figure out what expenses can be cut. Notice I did not say could be cut. There is always some things can be Find them. Often, you may be spending money on a lot of unnecessary things.
For example, you may be spending a lot of money on fast food or Starbuck’s coffee drinks, or maybe you have a Netflix membership for $20 a month to get 3 movies at a time. You could easily cut out the Starbuck’s and make coffee at home, reduce your fast food consumption, and go down to the $5 a month Netflix membership and take out just one movie at a time.
You may also find you can do without premium cable channels, and can work out ways to reduce your cell phone and utility expenses by using these things less. For example, you could hang up your clothes to dry, rather than using a clothes dryer. Turn off the air conditioner and use ceiling fans for some of the time. Restrict cell phone usage to emergencies only and purchase a $10 per month pay-as-you-go plan.
If you still cannot make ends meet after making these cuts in your household budget plan, take on a part-time job or sell some things on eBay and Crags list. Start your own home based business to cover the gaps. The point is that there are plenty of things to do to succeed financially when there is not enough money to cover budget expenses with your regular income. Get out there and take action.
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