Here are more ways to cut back on household expenses. It's amazing the amount of money you can save!
Club memberships. Whether it's a gym membership or golf or any other, compare your useage to the cost. If you paid for the gym with well intentions, but rarely use it, cancel the membership. I had the decision to continue with my full club membership, which included swimming, social and golf. Full club membership was $150/ mo. Social membership is $50. I travel so much that I wasn't golfing enough to make it worth while. I reverted to a social membership. Savings/mo. = $100.
Groceries: I'm sure you've read everthing from clipping coupons to e-coupons. You know the routine. One thing I almost overlooked was a 5% senior citizens discount I get at my local grocery store if I shop on Wednesday. Between the coupons and the discount. Savings/mo. = $60.
Clothes: I used to shop mainly at the outlets, but there are great bargains to be found over the internet. Many clothiers’ websites include an E-outlet. Great bargains! I've been shopping at Kohls and I have to say that their quality is not bad and prices good. Don't forget to donate your cast-off clothes and get a tax write-off. Savings/mo. = $50.
Automobile. Let's face it, with the price of gas who can afford the Hummers, Suv's and other gas gusslers, especially if you travel for business or just travel by car. My car was an suv and when it started to have major problems I traded it in for a model that gets 32 mi/gallon. Since I put around 1500 mi/mo. on my car and the fact that my car is now under warranty I'm not paying for unforeseen repairs. Savings/mo= $55.
Total/mo. = $265
Total/yr. = $3180
My own experience