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How To Reduce Monthly Expenses

by Linda Lawton 10/26/2018

Once you buy a home, you realize that every penny of your budget matters. The initial purchase of a house can be financially overwhelming. You’ll be withdrawing thousands of dollars from your account to secure the home. Once you close on the house, it’s time to buckle down on your budget. Continue reading for some tips on how to do just that.


Food Spending


For most people, food spending is one of the biggest things that suck the life out of their budget. Whether you’re getting take out three times a week or spending massive amounts at the grocery store, it’s time to take a serious look at your food spending.


Shop With A Plan


If you head to the grocery store with a plan in mind, your shopping trip will be more successful and less expensive. Many people are unsure of what they have in their cabinets and fridge, let alone what to make for dinner. Make a list of meals to have for the week. Then, see what you need to complete those recipes in your kitchen and pantry. It’s also a good idea to stock your pantry with essentials when sales are going on.        


Supermarket ads can also be incredibly useful. You might have to store hop on a weekly basis, but shopping with the sales can save you a lot of money in the long term. 


Look At Your Credit Card Statements


Are you being charged for a monthly gym membership that you don’t ever make use of? You can do one of two things: Start going to the gym or cancel out your membership and begin a daily jogging routine. Look at your cable bill and any other monthly subscriptions that you have. See where you can cut back. Are premium movie channels a necessity? It’s easy to forget what we’re being charged for on a monthly basis if we don’t look at our bank and card statements. 


Cut Luxuries


Maybe in your life before becoming a homeowner, you went for a weekly massage or had a monthly housecleaning service. You can still have these luxuries, but they may need to be less often or less extensive. For example, a significant portion of time during maid service is spent loading the dishwasher or cleaning pots and pans. You can clean up after yourself and your family each night following dinner and cut back on the amount of time a maid would need to spend in your home. The cleaning person also now will have more time to spend on other things in the house that need attention. 


You can keep your massage; it may just have to be bi-weekly or monthly. Get creative to still have the things you want in your budget without going overboard.    

About the Author

Author
Linda Lawton

     Linda Lawton has successfully led the dynamic LL Realty team to top ranks of real estate business in Northern Nevada. Assisting people in the buying and selling of homes individually since 1989, formed L L Realty Inc. in Fallon in 1992 and LL Realty Inc. – Fernley in 1999, Linda believes in the fundamental basics of business such as excellence in customer service, and offering a professional environment in which people can complete their business transactions comfortably, and with confidence.
    

     Our friendly agents have over 150 years of combined real estate experienced, and along with our support staff, we are eager to assist you. The LL Realty team makes it easy to find the right agent for you. When it comes to selling your property, LL Realty believes in aggressive advertising in order to remain in the forefront of the public eye, resulting in swift and effortless sales.
    

     It is Linda, and her team's desire to make every real estate transaction stress free. Let us do the work for you. We will meet your document deadlines and our specialized support team will make all necessary appointments, schedule inspections, and do whatever is necessary to smoothly complete the process of buying or selling your home.