Reply to Feeling the financial pinch—not sure what else to cut

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]1. All new clothes are from the thrift store or yard sales for everyone. If the kids want brand new clothes, they can buy them themselves.
2. Kids need to borrow Homecoming dresses from a friend. If they are a unique size, that rewear the same one. If kid is still growing, but used homecoming dresses made of stretchy fabric. 
3. You cut everyone’s hair.
4. No make-up. 
5. I know not everyone gets good light, but if you have access to any kind of land, now you garden.  Buy a few organic vegetables one week and save the seeds. For example, the seeds from one organic bell pepper will be more than enough for next summer’s garden. Replacing any grass you can with a vegetable garden will also save on mowing costs. 
6. Stop all kid activities that require any fees or uniforms. The kids now work ( or look for work) as their primary activity. 
7. Cut gym memberships. Now you walk and garden for exercise.
8. Cut that last streaming service.

I personally have done everything from my list except #6, and that was because a family member paid for the activities. It’s really, really hard. I’m sorry you’re going through this. [/quote]NP, but I always see these suggestions and they just make me roll my eyes.

Cut everyone’s hair? With what skills? I have no clue how to cut women’s hair, and I don’t think it’s the sort of thing one can YouTube, and I wouldn’t my teen (or myself) as a test subject

No makeup? I’m sorry, but I’m expected to look at least a little presentable in my professional career. Would you tell a man to skip a tie? No more suit jackets? Just wear everyday shoes instead of dress shoes? How expensive do you think basic drugstore cosmetics cost?

Gardening? It’s not free. I’m a gardener and there is an ongoing joke that you spend hundreds of dollars to save $5 on tomatoes for the summer. Water costs a lot of money. It’s a hobby, not a cost cutting measure

And for the love of god, that $15 a month Amazon subscription isn’t going to change the trajectory of OPs finances anymore than one coffee from Starbucks will, sorry to say. Everyone needs and deserves a vice [/quote]

When you cannot afford the bills monthly and have to use a CC or dip into savings, you don't "deserve a vice".  Many times people have multiple vices and those all add up.  So sure, keep one that is small, but it should be only $20-25/month in this case.  Otherwise that $25 will end up costing you $100+ as it sits unpaid on the CC.

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