Hi there Walden9
I am no pro at the financial tactics but I feel like I have some experience and have practically had to STRICTLY budget my entire life. Month to month would be a challenge for sure. I thought bi-weekly was a struggle. I would write everything out and see how much you have left for a meal budget...but even before that, i would contact creditors and see if they would work with you since you are on a fixed income. I am not sure what state you live in but some states have assistance for utitilities and other services. You may be able to start with the social security office....or yoru local library or check online.
As far as the meal budget...the biggest "secret" I have found is PORTION SIZES. This not only saves money but it can also help with the waistline. You can also find better deals for fruits and veggies if you shop for what is in season. You can also look online for "cooking ahead freezer meals" (I know they have a book at the library from 30 Day Gourmet) and this could help you store up meals for a month--even save some time in the kitchen.
Another budgeting thing is asking yourself while shopping ... "do I NEED it or is it a WANT?" and sometimes if ya just walk away from it---you will thank yourself later for not wasting the money. If it is clothes shopping you like......check out the goodwill sales on the first SAturday of everymonth. EVERYTHING is 50% off. (my friends used to tease me..."Dianne is so cheap she wont even pay full price at goodwill" hey, it works for me and then they always ask, "hey, where did you get that cute blouse?" and i have to answer them with "do you really have to ask?" Needless to say, they are becoming goodwill fans)
Hope some of these suggestions help
"Problems cannot be solved by the level of awareness that created them"-Albert Einstein
"Be the change you want to see in the world" -Mahatma Gandhi
It is health that is real wealth and not pieces of gold and silver.
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