I've cut out a lot of stuff recently. Here's what I've done or hope to do soon.
- got better car insurance deal (I saved $101 a MONTH going with AAA)
- reduced cell phone package (you can call and ask what your average monthly use is then reduce your package to one more fit to that)
- reduced how much the IRS takes out of my check. (I was getting a huge rebate every year but realised I really need that money all along. I was claiming 0 but now I claim 2. I have 4 in the house so I don't claim all of it but it increase my take home pay by about $200 a month)
- started the DAVE RAMSEY dumping debt and building wealth program. (There's a thread on the finances forum for this and I bought his book. ALso www.daveramsey.com
- Since we only use the land line telephone for internet I called and had them get rid of EVERYTHING on it. I only have 25 calls a month allowed, no long distance, nothing. It costs like $6 but I keep my internet at the original cost of just the internet service.)
- I do the cash in the envelope thing. It really keeps you on track. You would be amazed at how much money you really have.
- Want to get rid of: newspaper, cable and magazine subscriptions. Any internet subscriptions (I don't have these but the thought occurred to me others might so I listed it.)
- Barter for things (My friend makes great bread and she trades her bread for eggs from a lady with chickens.)
- Still lactating? Can your ds drink "mommy milk" instead of soy? That would cut down that cost.
- Go through your house and purge like crazy. Most people don't need 90% of what they own. Sell everything that isn't "nailed down." You'll feel better and have more money.
- Can hubby do "side jobs"? I know lots of IT guys that do computer repair, etc on the side for a little extra.
- What do you do for a living? COuld you turn that into a work at hom thing?
HTH. I'm also trying to move myself into a position to stay at home. Here's
: to us both