![]() Avoid this trap by limiting the amount of time you spend in them. Write out the regular items you need for the week, this includes non-perishables. Shop once! Grocery stores are designed to look like TOYS R US for hungry adults. (Milk, eggs, bread, cheese, etc.) This helps prevent impulse purchases. But sometimes this can’t be avoided, because let’s be real, many of us shop after work, which is dinner time! And some of you are like me… always hungry! Never go to the store without a list! Make a list on your phone of recurring items you and family need. Make a list! Many people advocate that you never shop hungry. Pork chops on sale? Excellent, pork chops it is! BOGO on watermelon? Great, that’s the fruit I’m eating for the week. In the beginning, I suggest you keep it simple. Pinterest, and YouTube are all great resources on ways to get creative. Flyers can be found online, so that you can create a money saving menu before you enter the store. Read the flyer! Look up the weekly sales at your local grocery store and build your menu around that. And don’t forget that so many things freeze fairly easily, so you can cook a feast and have meals tucked away in your freezer away for months. (Dancing is encouraged here, after all its a party!) What’s in your freezer that you could use for tomorrow’s dinner? You want to celebrate taco Tuesday? Excellent, you already have tortillas in your pantry, corn, and beans! See what you have before you create a menu. Have a pantry party! Before you leave for the store, or peruse your grocer’s flyer, put on some music, and take a look at your fridge, pantry and freezer. Here are four specific ways to save money when planning meals. ![]() Even buying prepared foods at the grocery store is cheaper than takeout. Take out is so much more expensive than eating at home! No one is saying you need to be the next Gordon Ramsay, but you can save a ton by cooking at home. If you’re trying to cut back expenses, take advantage of your local grocery store. Keep in mind, if a debt has already gone into collections, most collection agencies will take pennies on the dollar! Give them a low estimate of what you can afford and work with them from there. Set up this up as a recurring payment so that you do not need to incur more late or penalty fees each month. Here are three easy steps you can take to consolidate your debt: Call your creditors and let them know what you can pay and that you are looking to make right on this debt. Everyone makes mistakes, we’re all human and even the most adept financial wizards had to start somewhere. Our guilt and shame surrounding debt runs deep. If you are in a substantial amount of debt for student loans, outstanding medical bills or credit card debt, it’s time to negotiate a more preferable rate with your creditors. Here are some money habits that will help you save money now and for the long haul. More importantly, big changes rarely stick. Many financial experts will advocate that you make a detailed budget for fixed, periodic and variable spending, or use the coveted envelope system, but for most of us with busy lives, we just don’t have the time or the patience to overhaul our finances in such a drastic way. Here are some tried and true strategies that will help you cut expenses each month. ![]() Whatever your motivation, we all want to cut our expenses and be able to have more money to enjoy life. ![]()
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