Ok. You still have a gap between the money and the month. Let's see if we can chip away at that a little.
1. Can you lower your car insurance now that you aren't driving as much?
2. Use your library for books, books on CD, movies, etc. You may be able to cancel your media package or at least reduce it significantly.
3. Try shopping at a reduced frills grocery store. You can save a significant amount of money by doing so.
4. Read the sales fliers and shop from them. Plan your meals around what is available inexpensively.
5. When menu planning, deliberately plan low meat or no meat meals. Meat is expensive.
6. If you need something, look to the used market if you can. I have purchased many brand new items at a used item price. The savings is substantial.
7. See if one of your hobbies can translate into homemade gifts. If not, try gift shopping at the grocery store. Gourmet jams, sauces, etc can make wonderful and appreciated gifts.
8. Can you get by with a less expensive phone and phone plan? My partner has a smart phone and I don't. We make it work. We also shopped around and found a very inexpensive phone plan that provides everything we need.
9. Before you spend money, try thinking outside the box. Use your time and creativity instead of your dollars.
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