Do you fall gently off to sleep or do you thrash about and toss and turn all night? Are your crummy finances the reason why your sleep is an endless battle? It doesn’t have to be that way. Changing your financial situation doesn’t have to be a major production either. You can start small.
What’s your plan? If the price of gas has taken a big bite out of your budget, you had better start to formulate a plan of what you’re going to do about it. I’m in sales and I go to different customers each day. Mass transit is only an option when I’m going downtown. I don’t go downtown often, but when I do, I now consider it an option. What are your mass transit options? You don’t have to take mass transit every day, but which days could you use it? Another cost saver is to carpool with another worker. Who could you carpool with at work? If you know you have to reduce your expenses, you have to develop a plan to do something. Without a plan, it’s hard to get the results you want.
Drink differently. I’m a coffee hound. I love my coffee. (I confess that I just love Dunkin Donuts coffee.) What are you spending on coffee each week? If you want to reduce your expenses, cut down on your coffee purchases. All you have to do is switch from the larger size to a medium or smaller size. Some coffee houses even give a free refill. You’ll start saving some money by buying a smaller size. Want to save even more? Invest in a stainless steel travel mug and make your own coffee. Wake up a few minutes early, make your own coffee and take it with you on the road. If it saves you time by not having to purchase coffee, you might even get to sleep in longer.
Clothes horse transformation. Clothing can get expensive. The easiest cost cutting strategy is to ask yourself before any purchase if you really, really need to be buying more clothes. Answer truthfully why you need the item. “I want it” is not the right answer. You probably realize that maintaining a wardrobe for work can take a bite out of anyone’s budget. If you must buy, remember my favorite four letter word. It’s sale! Make sure you’re getting the circulars with coupons that list the store’s upcoming sales. Even if you miss the coupon, ask the clerk if there are any coupons you could be using that could apply to your purchase. Do you have champagne taste on a beer budget? If you live in a large enough city there are usually resale shops that have a selection of designer clothes. Women get rid of their clothes for a variety of reasons. They get tired of them. They eat too many cookies and their clothes don’t fit anymore. Often the clothes in their closet are hardly worn when they get rid of them. You could benefit from their extra cookie consumption if you shop resale.