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Taking drastic measures...


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#1 hearts_in_asia

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Posted 25 February 2006 - 05:40 PM

Writing in Casserilda's post makes me wonder, for those of us who are (or who have been) on a very tight budget, have you done anything drastic to cut back on your expenses?

Our budget is very very small this year, we dont make much money as we both study full time and we get youth allowance which is a miserly amount to say the least.

We've done all the usual things like change the house phone to a lower line rental (considering ditching my mobile too but it only costs me $15 a month), cut down on groceries, not buying anything we dont need etc

Dylan has a credit card debt to pay off, it's a few thousand dollars which doesn't seem like much but cos we can't pay it off very fast it doesn't seem to be going anywhere and we want to get it paid off before the end of the year. We're also hoping to save up enough to go back to Thailand after Xmas (we will be staying with family so we only really need the cost of the flights/insurance plus a bit extra).

We have a small car and a postie bike but I've managed to convince D to sell the car as I think we can get by without it, I want to stay carless until winter if we can, this is going to be a big test for D as he's had a car since he was 16. I want to be free of petrol, rego etc costs for a few months so we can get a handle on the debt.

I'm just wondering if there's anything really simple we can do to cut back even more? We'll survive, it's not the end of the world to live on very little (heck, billions of people do!) but it's hard never having any treats.
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#2 ~Emma~

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Posted 25 February 2006 - 08:37 PM

is there the possibilitie of moving in with parents?

#3 Renee`

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Posted 25 February 2006 - 09:01 PM

Where do u shop katie?

If u go to Aldi's you will save heaps and heaps of money!
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#4 pennycakes

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Posted 25 February 2006 - 11:42 PM

ditch the landline and go on a mobile cap.

you could always cancel the rego/insurance for the car for 6 months and not drive it, so you don't have to go through the process of selling & buying.

make sure you live a little! always set yourself 'fun' money.

#5 Busterella

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Posted 26 February 2006 - 04:19 AM

How about trying to get some extra money instead of cutting down on things. Like put your name down for helping with marketing research. There used to be good money in this and a lot of fun taste testing things.

Do a weeksly shop instead of buying bits and pieces every now and again. I think that costs a lot more.

Don't buy your lunch (not saying you do but I think that is costly)
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#6 Renee`

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Posted 26 February 2006 - 09:25 AM

Actually yeah...

if you do a search on 'paid surveys' you will find a heap of sites where they will pay you for particpating in online surveys
i have signed up for them, but it is recommended that you have a sepearate bank account..
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#7 hubby33

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Posted 26 February 2006 - 11:14 AM

With the credit card debt if possible I'd suggest changing to a card with a lower interest rate. There a number of cards out now with rates below 10% and many have a 0% rate on balance transfers for 6 months. May depend on credit ratings but it's something definitely worth looking into.

15% interest on $2K is at least $300 a year (without compounding) so the first $25-$30 a month you repay merely covers interest. So if you shift to a 0% card that's an additional $180 off the debt in the first 6 months without changing anything. Then the 5+% you save from then on will be noticeable.

Just google low interest credit cards and that should be enough biggrin.gif

But make sure you don't change the amount you repay merely because the % rate is lower.

#8 squeaza

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Posted 27 March 2006 - 11:54 PM

We're in a bit of a breadline position at the moment, and we are not spending anything apart from rent and bills, which is really tough.

Neither me nor Simon have had our hair cut since the wedding, and we both really need it sad.gif but I can't justify the money.

I have actually started perusing the Coles/Safeway junk mail and taking note of their bulk-buy offers of things we use regularly (tins of tuna/cereal etc.)

Tomorrow I am fixing up my bike and seeing if I can handle the 26kms I would have to cycle to get into Sth Melbourne and back. The transport is cheap, but still, cycling is cheaper.

We are buying 2 newspapers a week, which is our splurge ($2.40 wow) but I'd go mad without a bit of reading and crosswords...
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#9 jantastic

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Posted 28 March 2006 - 09:56 AM

when we were saving for our house, we had to be super strict cos my h2b is a big spender on lots of 'want' things... i had to be the super bi*ch!

anyway, we got (and still get) 20 dollars per week each for during the week, plus transport money (we buy a weekly ticket each). we try to have leftover from the 20 each at the end of the week for weekend stuff... but if we dont we allow an extra 40 or so a month for weekend stuff.

it sounds like it wouldnt make a difference... but if you add up how much you spend each week you might be surprised how much you can save by doing something so simple!

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#10 Tammy&Wes

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Posted 07 April 2006 - 10:57 PM

Just a tip to save money on haircuts, waxing, manicures, etc. Call your local TAFE or beauty school. They generally have one day a week where they do cheap or free cuts, washes, blowwaves, etc. The students are always supervised as well so you are not going to end up with a number 1 head shave.


#11 Anita

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Posted 07 April 2006 - 11:21 PM

QUOTE (squeaza @ Mar 27 2006, 11:54 PM)
We are buying 2 newspapers a week, which is our splurge ($2.40 wow) but I'd go mad without a bit of reading and crosswords...

Hey Louisa, you know you can download a lot of crossword and similar puzzles? Also: www.sudoku.com.au wink.gif

As to cycling, if you can't go the whole way try riding part of the way; you'll still cut your costs and eventually you will feel that you can take on a little bit more, etc until you can cycle the whole way.

For haircuts, is there a TAFE college nearby that does hairdressing? You can usually get a good cheap (supervised) haircut from them and if you're there at the right time, colour, conditioning treatments, etc also.

#12 LittleL

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Posted 08 April 2006 - 02:24 AM

My friend came over one night for dinner and she is a real electricity saving freak. She went around and turned off all my electrical points and told me to turn off the kettle and toaster at the switch....we went around the whole house doing it.
She made me switch off anything on standby.
I was purely amusing her as I didn't think it would make a difference. laugh.gif
The next bill I saved $100 so in a year I am saving $400 just by turning off a few switches.
I was amazed.
Hope this helps.

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#13 h2bman

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Posted 08 April 2006 - 02:58 AM

Consolidate your credit cards and high interest debts into a personal loan. Cut the creditcards smile.gif

but as someone already mentioned, if you have the option of moving in with the folks that should make a big difference smile.gif.

good luck.

#14 5Angels

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Posted 08 April 2006 - 07:43 AM

QUOTE (vodkacrumble @ Feb 25 2006, 11:42 PM)
ditch the landline and go on a mobile cap.

ohmy.gif

But then we'd never see Katie on I-do! sad.gif
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#15 hearts_in_asia

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Posted 08 April 2006 - 12:41 PM

Sorry for not replying back to this sooner.

I conduct half my life online so I'm not getting rid of the landline much as I'd love to tongue.gif but I did just change plans so I'm saving $10 a month, plus the phonelines already on a cheapie option in any case.
No Aldies in SA I dont think.
Been catching the bus to uni most of the time, been trying to sell the car but the bugger just wont shift! dry.gif
D has been really good with not using credit cards smile.gif still only paying his off slowly but at least they are not going up. They are low interest in any case and for some reason he has this big aversion to getting rid of a card so he only has one, but I'm working on him!
No plans to move back to a parents house. I love having my own space and we are in a really good spot for uni (buses) and D's work. One parent lives out the other side of town, one lives out towards the country and I have no car of my own, and the other is planning to move down south a hour + from the city so ATM it's not really feasible to move back home but I guess if things get desperate we can go to D's mums (the country house tongue.gif)

Anyway, long story short we're getting along OK. No spare money but things aren't getting worse so I can deal with that. Thanks for all the replies, going to look into the paid survey thingies smile.gif
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