Reply to How do you make ends meet on 130k?

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[quote=Anonymous]Use coupons at the grocery store, and sign up for their online card savings programs that are basically e-coupons. The savings really do add up!

Stick to your grocery list as much as possible. Before you go to checkout, make yourself put a few items back on the shelf. They are impulse purchases you don't need.

Learn to cook, pack a work lunch. Don't do takeout more than once a week. If you go out on weekends, try to do it at lunch instead of dinner when you can. Lunch is cheaper.

Put yourself on a budget. Give yourself, say, $50-$100 a month MAX for clothes and makeup. This step, more than anything, keeps me in line with how much I'm spending. If I go over this amount, I deduct the difference from next month's budget.

Refinance your mortgage. Pay off your car. Pay off your credit cards. Pay off your student loans. I've done all four. Freedom!

Find a new bank if the fees and charges seem out of control. Use debit, not credit except for emergencies.

Switch all light bulbs to LED. They save money over the long run. Invest in energy-saving appliances, too.

It's a disciplined mindset, OP. 
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