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

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[quote=Anonymous]We found ourselves in a tight financial situation recently and are just now digging out of it. What’s helped us:

- Refinance any debt you can, balance transfer any card debt to a new card with a promotional 0% APR (and make a plan to pay it down so you aren’t stuck later).
-Buy Nothing groups on Facebook— last year I got most of my kids’ Christmas gifts secondhand
-Consignment - I sell kids clothes, books, and toys at a local consignment shop and keep 50%. I’m sure I could make more if I took the time to list online, so see if your kids can help. 
- I sold some of my higher value items on eBay (designer handbag, barely used sporting gear, DH had his old trading cards appraised and sold a few).
- shop around for better homeowners’ insurance, car insurance, cell and internet service
- learn how to change your own oil / do other basic home and car maintenance. YouTube is your friend!
- cut food costs even more by meal prepping and cutting out the more expensive items. Do you buy organic? Stop. Prepackaged snacks? Have your teens help prep less expensive snacks for the week. Cut down on coffee/soda/other things that aren’t necessary. I love cooking and variety in meals, but I save so much now by simplifying our menu.[/quote]

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