Problems with the Budget
by Dave Ramsey

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Dear Dave,

We started doing a budget a couple of months ago, and already it’s springing leaks. It’s just a little bit out of balance in a few different places, but combined, it makes a big dent in our finances. How can we plug the leaks?

Joy

Dear Joy,

First, don’t worry about it. This kind of thing happens a lot in household budgeting, especially when folks are new to the process. Here are some ideas to help stretch your dollars and plug those leaks.

Use the cash-only method when shopping for groceries. Take cash only for the amount you’ve budgeted for groceries. Use coupons only for items you normally buy. Lots of people use coupons just to be using coupons, thinking they’re saving when they aren’t. This adds more to the grocery bill. Even though the item itself may be less expensive, you’ll buy things you don’t really need. Try stocking up on those items you use often when there’s a big sale, too. These are little things, but trust me, they add up!

You buy groceries for a reason, right? So stop eating out! Only go to restaurants for special occasions, and don’t be afraid to use coupons in restaurants. Have you seen the price of a soda or iced tea these days? Drink water instead.

Always check the sale and clearance racks first when it comes to buying clothes. There are good clothes at consignment stores and thrift shops, too. While you’re there, sell your old, worn out clothes, and anything you don’t wear anymore. Most of all, avoid the trendy, expensive clothes. Buy durable classics that don’t go out of style.

When it comes to entertainment, nothing beats family time. It may sound old-fashioned, but there’s nothing wrong with a night of playing board games. It’s fun! If you like movies, use discount coupons and go to matinees whenever possible. The prices are always lower before dark. If you’re planning a trip with several other people, call ahead and ask for a group discount.

– Dave

Photo by Vivek Chugh

Comments on this article	ADD COMMENT
Budget Blues Posted by J'Lene from Shelley, ID I am going through a divorce and I have 4 kids. The divorce is taking forever and I haven't received any child support and he's been gone since May. I've tried getting another job or one that would work with the job I have now, but I'm not even getting any calls or interviews. I bring home $600 a month and have at least $20,000 in bills (with late and overlimit fees acruing out of control!) from the marriage which he is not helping with and they have been calling every day. I had pretty good credit, but since most of our bills were in my name my credit has devistatingly plummetted. Somehow I'm going to have to refinance my house to give him 1/2 of the equity, but because of my credit issues I don't think that will happen. I've talked to a credit counselor about the situation and it seemed plausible, but after reading what you said about them being cons I don't know what to do! How can I get out of my debt issues and provide for my family financially as well as physically and spiritually? I've talked to my bishop about moving, but he doesn't feel that is in my best interest. He has offered to help with the house until this divorce gets finalized and I get some child support coming in. What do I do about the rest of it? I'm being threatened now that it's time for legal actions. I've tried telling them the situation, but it hasn't helped get me any answers. Where do I start? Any suggestions would be helpful!
some ideas Posted by Sarah from Utah First of all, get some legal advice. Then look at your local women's shelter to see if they have any resources for employment or other challenges.