Whether your situation is as dire as that or just under mild pressure, some tips on how to make your money go further never go astray.
Cut Food Costs - This does not mean cut your food.
- Do not go grocery shopping when hungry
- Shop with a list
- Look for specials
- Do not buy convenience items. - Cook from scratch as much as you can.
- Buy meat when on special and freeze
- Choose fruit and vegetables by freshness, cost and what is in season. Adjust menus to what you bought rather than buying something expensive because it is in the recipe.
- Keep your furnace filter clean
- Whether it is for heating or cooling adjust your thermostat. Don't set it to hot in winter or for summer cooling don't set it to cool. This can save about 5% of your costs.
- Use energy saving bulbs.
- Check the deals for the different energy providers. Maybe there is a better deal.
- Check your mobile phone costs. Is there a provider that can meet your needs for less?
- Check all your phone calling patterns. What offers are there that can provide what you need for less?
- Consider using VOIP for your phone calls. If you already have high speed broadband it could save a considerable amount.
More detailed tips and information on making your money go further can be found in Douglas Hanna's "Surviving the Recession". For more information on the book visit http://savemoney.jocelynkaye.com