I have one income also, but there are always to cut back. I'm not sure that I'm ready to do that, but the things we don't really "need" are numerous.
Many people have cell phones with texting, Internet access, etc. They have cable or satellite, newspaper subscriptions, etc. They eat out regularly. They buy lots of stuff.
I think the idea is to simplify and cut corners where possible. It is not always pretty, but it usually can be done. We read about people who live fabulous lives being frugal. I don't do that. I'm careful in some places and not in others.
I have a simple cellphone plan. I don't have cable. I eat out less than twice a month. On the other hand, I do buy clothes, toys for the kids, I buy movies because I don't have time to go to the theater.
I could cut corners in a lot of ways. I don't yet. I am deciding on ways to cut back a little without messing up my lifestyle. Eating less expensive food is one thing I can do. Using the air conditioning less is another thing I can do (fans at night with open windows and even sleeping under a damp sheet.) Taking fewer trips in the car helps out also.
I think that saving money is like losing weight. It is a matter of shaving pennies off things just like shaving calories off your favorite foods.
It is unfair that you don't have insurance and have such high rates. I think changing that and making group policies available to small businesses is a better move than universal health care. It can't be that hard to work up a group plan that many small businesses can contribute to.
Call me WG
A journey of a thousand miles begins with a single step.
Be yourself. Everyone else is already taken.
You will never "find" time for anything. If you want time, you must make it.
| Pounds lost: 4.8