5 ways to shrink a budget

Are you always wondering where the money went? Money can seem to disappear with thoughtless spending. An honest spending evaluation can help you determine where you can cut spending. Here are five areas where you can trim your budget without too much effort.

Memberships & subscriptions

When’s the last time you went to the gym where you have that fancy membership? Haven’t been in over a month? That’s where you can trim some of the financial fat. Subscription services like Ipsy or StichFix that send you a box of goods monthly charge you for the service and sometimes the products used. Not remembering to return things at a timely fashion can create a lot of fees. Same with magazine and other media subscriptions. If you’re not using it, end your subscription. Granted, if you uses that gym membership or enjoy reading the magazine regularly, than cutting here might not be the best option.

Alcohol

Socially drinking can add up a pretty high tab really quickly. If you go out to cocktails pre-dinner and get dinner you can be looking at any where from $15-$25 without a tip. If you add another drink or two with dinner that can quickly add up to $50 on drinks alone for one night. If it’s a once in awhile thing, it is not that big of a deal. But if that’s a weekly habit or your doing that multiple times a week, your drinking your hard earn money away. If you want to still do the drinks pre-dinner, have cocktails at home before you go out. Fifty buck can buy a decent bottle of liquor and mixers. Occasionally, skip that glass of wine. Your pocketbook will thank you.

Quit eating out (or eat out less)

How often do you meals out? Honestly, how many times a week do you need to brunch? Ten dollar lunches and $15 dinners multiple times a week are the equivalent of one week’s groceries. Burgers, salads, burritos, smoothies and other normal grab and go options can easily be replicated at home. Plus, if cooking at home saves calories and know exactly what’s in the food. That includes morning Starbucks’ runs. If you want your morning coffee, make it at home and use flavored sweeteners. Daily $4 lattes adds up over time. Rather than going cold turkey, start by taking lunch two times a week and cooking dinner Monday-Thursday. From, there slowly build up.

Where you shop

It’s better to invest in durable clothing than purchasing cheaply made clothes frequently. If purchasing good quality clothes at a higher price tags seems impossible for your budget, try thrift stores and discount stores that carry quality clothes a lower prices. Also, quit buying clothes. Buy only clothing items you genuinely love. That will prevent unnecessary spending and a cluttered closet. Think about the products you use and see where you can forgo or willingly purchase lower end items.

Cut the cord

Most people have begun to cut landlines and cable services. Have you? Streaming services like Hulu, Netflix, Amazon Prime and etc. offer plenty of shows and movies at significant reduced price compared to cable channels. Most major sporting events are streamed online, so you’re not missing the big games.

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Are you always wondering where the money went? Money can seem to disappear with thoughtless spending. An honest spending evaluation can help you determine where you can cut spending. Here are five areas where you can trim your budget without too much effort.
Memberships & subscriptions 
When's the last time you went to the gym where you have that fancy membership? Haven't been in over a month? That's where you can trim some of the financial fat. Subscription services like Ipsy or StichFix that send you a box of goods monthly charge you for the service and sometimes the products used. Not remembering to return things at a timely fashion can create a lot of fees. Same with magazine and other media subscriptions. If you're not using it, end your subscription. Granted, if you uses that gym membership or enjoy reading the magazine regularly, than cutting here might not be the best option.
Alcohol 
Socially drinking can add up a pretty high tab really quickly. If you go out to cocktails pre-dinner and get dinner you can be looking at any where from $15-$25 without a tip. If you add another drink or two with dinner that can quickly add up to $50 on drinks alone for one night. If it's a once in awhile thing, it is not that big of a deal. But if that's a weekly habit or your doing that multiple times a week, your drinking your hard earn money away. If you want to still do the drinks pre-dinner, have cocktails at home before you go out. Fifty buck can buy a decent bottle of liquor and mixers. Occasionally, skip that glass of wine. Your pocketbook will thank you. 
Quit eating out (or eat out less)
How often do you meals out? Honestly, how many times a week do you need to brunch?  Ten dollar lunches and $15 dinners multiple times a week are the equivalent of one week's groceries. Burgers, salads, burritos, smoothies and other normal grab and go options can easily be replicated at home. Plus, if cooking at home saves calories and know exactly what's in the food. That includes morning Starbucks' runs. If you want your morning coffee, make it at home and use flavored sweeteners. Daily $4 lattes adds up over time. Rather than going cold turkey, start by taking lunch two times a week and cooking dinner Monday-Thursday. From, there slowly build up. 
Where you shop
It's better to invest in durable clothing than purchasing cheaply made clothes frequently. If purchasing good quality clothes at a higher price tags seems impossible for your budget, try thrift stores and discount stores that carry quality clothes a lower prices. Also, quit buying clothes. Buy only clothing items you genuinely love. That will prevent unnecessary spending and a cluttered closet. Think about the products you use and see where you can forgo or willingly purchase lower end items.
Cut the cord
Most people have begun to cut landlines and cable services. Have you? Streaming services like Hulu, Netflix, Amazon Prime and etc. offer plenty of shows and movies at significant reduced price compared to cable channels. Most major sporting events are streamed online, so you're not missing the big games. 
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