There are times in life when your budget for living will be quite small. This may be of necessity or it may be of your own volition. Whatever the reasons, it doesn’t mean you have to be miserable when your budget is in such a state. Here are some quick and easy tips that you can use to make sure you are living your best life when you only have pocket change to spare.
Visit the Farmer’s Market
Vegetables and fruits at the farmer’s market are delicious as well as nutritious. However, don’t just visit the market at any old time of day. To get the best bargains, show up right before closing. The reason for this is because there will almost always be leftovers that the sellers still have available and they would rather sell them to you than have to haul them all the way back to their farm. Negotiate with them and you can have healthy meals for the week for much less than you would have paid otherwise.
Skip the Gym
This is not to say that you should stop exercising. However, you don’t have to go to a gym to exercise either. Go to your local park and exercise in the fresh air. Or take a drive and exercise in the woods, jog along nature trails, that sort of thing. If you don’t want to leave your home to exercise, you can always do it indoors there as well.
Make as Few Payments as Possible
This doesn’t mean you should skip paying bills, far from it. By this we mean you should consolidate any payments so that you have a few bills to keep track of as possible. This can’t really be done with, say, utilities because of the fact they are coming from different companies. However, when it comes to payments like student loans, you can contact a private lender and get a personal loan to consolidate or refinance into a payment you can afford. This will reduce your interest payments and greatly reduce the danger of you missing a payment and having to pay late fees.
When it comes to buying clothes or things that you may need to use very infrequently, it is much better to buy them at a thrift store than it is to pay full price for them. For instance, a child’s tuxedo or a bicycle pump. Neither will see much use, so why pay retail when you can simply pick them up gently used at an even gentler price?
Adjust Your Tax Withholdings
If you regularly receive a hefty income tax return at the end of the year, try modifying your withholdings so that you receive more on each paycheck. This leaves you more money to live on paycheck to paycheck instead of waiting until the end of the year to receive a lump sum. Just make sure to report any change that may occur during the year so that you do not end up owing money at the end of the year.