{"id":4021,"date":"2013-07-22T21:00:27","date_gmt":"2013-07-22T21:00:27","guid":{"rendered":"https:\/\/www.sands-trustee.com\/?p=4021"},"modified":"2020-05-28T14:07:56","modified_gmt":"2020-05-28T21:07:56","slug":"budget-breakers-7-little-things-that-can-make-a-big-difference","status":"publish","type":"post","link":"https:\/\/www.sands-trustee.com\/blog\/budget-breakers-7-little-things-that-can-make-a-big-difference\/","title":{"rendered":"Budget Breakers: 7 Little Things that can make a Big Difference"},"content":{"rendered":"

Sometimes even the smallest things can make a big difference, especially when it comes to your budget.\u00a0 No matter how well laid your plans may be those little variances can really break the bank.\u00a0 If you\u2019re finding it tough to keep on track or can\u2019t figure out exactly where the funds are seeping, read on for seven tips on beating the budget breakers:<\/p>\n

    \n
  1. Pack a lunch.<\/b>\u00a0 You\u2019ve probably heard this one before \u2013 and for good reason!\u00a0 Bringing your own lunch and snacks to work can be easily added to your daily routine and can save you a ton of cash, especially if you do this consistently over time.<\/li>\n
  2. Skip the java.<\/b>\u00a0 We\u2019ve all faced the 3 p.m. drowsiness when we need a little boost to get through the rest of the day.\u00a0 Instead of dashing out for a $2 coffee, make a habit of brewing it at work, if you can.\u00a0 Bonus savings if you can avoid doling out for your caffeine before work by bringing your morning pep from home.<\/li>\n
  3. Make a list.<\/b>\u00a0 Having a list prepped (and sticking to it!) when you\u2019re going grocery shopping is invaluable.\u00a0 It will save you time while you\u2019re shopping and stop you from buying things you didn\u2019t need, didn\u2019t really want, or that were just plain tempting.\u00a0 Also be sure to do a quick check of your fridge and cupboards before putting together your list.<\/li>\n
  4. Start saving.<\/b>\u00a0 Setting aside money on a regular basis can protect your budget in case of emergencies and unexpected or even forgotten irregular expenses.\u00a0 There are bank accounts now designed to help you save by rounding your transactions and putting the extra funds into a separate account.\u00a0 Don\u2019t be afraid to ask your bank about how they can help you become a saver.\u00a0 If the answer isn\u2019t to your satisfaction, then consider changing banks.<\/li>\n
  5. Ignore the sale.<\/b>\u00a0 Yes, you read that right.\u00a0 All too often we see a sale and immediately feel tempted to buy because \u2018it\u2019s such a good deal\u2019 \u2013 even if it wasn\u2019t previously on our spending radar.\u00a0 Unless you\u2019re already in the market for whatever is on special, just move along.<\/li>\n
  6. Read the fine print.<\/b>\u00a0 When signing up for something new such as a bank account, credit card or loyalty program, be sure to check the small print.\u00a0 You don\u2019t want to find that your great new plan came with membership or user fees you weren\u2019t expecting.\u00a0 It\u2019s also a good idea to check your current agreements to see if they still fit your needs so you aren\u2019t continually paying for more than you require.<\/li>\n
  7. Go local.<\/b>\u00a0 Libraries, municipal facilities and community programs are everywhere!\u00a0 Instead of forking out for books and DVD rentals, try your local library.\u00a0 It doesn\u2019t cost a penny, but just be sure to return everything on time.\u00a0 Looking to start a new hobby or find a new gym?\u00a0 Check out community centers in your area \u2013they generally offer a wide selection at very reasonable prices.<\/li>\n<\/ol>\n

    It\u2019s not always a splashy night out or an impromptu shopping trip that throws a budget off kilter, sometimes it\u2019s the little things that count.\u00a0 Once you\u2019re able to nip them in the bud, both you and your budget will breathe easier.<\/p>\n

    To meet with a local licensed trustee regarding debt solutions available to you, please contact us<\/a> for a free, confidential consultation<\/a>.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"

    Sometimes even the smallest things can make a big difference, especially when it comes to your budget.\u00a0 No matter how well laid your plans may be those little variances can really break the bank.\u00a0 If you\u2019re finding it tough to keep on track or can\u2019t figure out exactly where the funds are seeping, read on […]<\/p>\n","protected":false},"author":8,"featured_media":6430,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[261],"tags":[38,39,44,37,50,70,77,35,54],"class_list":["post-4021","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debt-free-living","tag-bankruptcy-bc","tag-bankruptcy-trustees","tag-budgeting","tag-consumer-proposals","tag-debt","tag-financial-stress","tag-impulse-buy","tag-sands-associates","tag-savings"],"acf":[],"yoast_head":"\nBudget Breakers | Sands & Associates BC Insolvency Trustees<\/title>\n<meta name=\"description\" content=\"Starting with small changes to your spending habits? 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