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  1. #11
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    Google "penniless parenting" ... it's a fantastic website for penny pinching ideas. And in my humble opinion you have the BEST motivation to save money already... to stay at home with your daughter.

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  3. #12
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    Default When you start struggling financially.

    You need to draw up a budget and stick to it. Break everything down to weekly essentials and cut out the stuff you simply just don't need. Turn off your computers or at least put them on sleep. Turn lights off as you leave each room. Turn water off when cleaning teeth, shorter showers, less full baths and washing dishes.
    I worked out with my car that I think $50 a week covered rego and services and about $70 or so for my bills. My groceries are around $150 a week and I don't buy homebrand. I even manage $20-$50 a week savings depending on the week (sometimes my math brain fails me).

    Good luck, some habits are expensive and hard to break but it's worth it to break them.

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    Default When you start struggling financially.

    I'm not really that strict with money but I did have an idea regarding the "want" purchases.

    Could you look at doing things on the cheap/for free? For example having a date night at home. Cook a nice meal, get a cheap bottle of wine (you can get some good ones for $9) and grab a DVD. A weekly one for $3 if you want to save $$. Or watch a taped movie. That's $25 max for a date night with hubby.

    Good luck

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    Default Re: When you start struggling financially.

    Cut up that credit card!

    Sent from my GT-I9100T using BubHub

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    Default When you start struggling financially.

    Tackle the obvious things first. Cancel the credit card and work out how best to pay it off ASAP, after its paid use the money you have from not paying it anymore and put into an account for unexpected expenses that you'd usually use the card for.

    Look carefully at where you can save electricity, don't use a clothes dryer unless its rained for more than a week. Use minimal lighting, turn off appliances. Check the time of use for your power company and use the bulk of you're elec needs when it's cheaper - might mean cooking dinner at lunchtime then just heating up when it's dinner time.

    Be smarter with water use, halve your shower time, less bath water all easy changes to make.

    Put aside money for rego and car expenses.

    Animals are costly but you've made a commitment to them so speak to vet about diet changes to save money.

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    Default When you start struggling financially.

    We pay our electricity weekly, the bill came the other week and we were in credit
    I would look at ways cutting here, our bill ( just two of us at the moment ) was less than $25pw.
    We don't use the dryer, we put dishwasher and washing machine on outside peak, switch off lights, don't use aircon unless it's really bad ( just use fans and open window.

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    Default When you start struggling financially.

    Do you have a friend you could maybe do a child swap with so they have ur child one or two days and you have theirs? That way you might be able to work a day or two a week without having to pay for child care?

    You could be super strict and any money you earnt from a part time job would go into savings. A few hundred dollars a week saved would very soon pile up.

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    Last edited by lolly137; 17-09-2015 at 19:34.

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    Default Re: When you start struggling financially.

    Put a bit of money on your elec account as you get paid. Stops a big bill coming every quarter, if youre lucky you might owe nothing.

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    Default Re: When you start struggling financially.

    Agree, get rrid of the cc asap. Cut it up, pay it out. Meal plan. Find a butcher/green grocer. Use vinegar/bicarb for cleaning.

    But second hand, sell on gumtree/ebay.

    **Mum, Dad, Big boy (Dec 08) and Baby girl (Feb 11)**


 

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