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At the moment, there are a lot of people on the edge of worry about whether they’ll lose their job or clients because of the pandemic. 

On the other hand, some people have lost their job completely. As such, many of us are looking for ways to improve our income and outgoings to keep things afloat. 

However, while smaller cuts to your expenses here and there do make a difference. Should you need a drastic change that will bump up your bank balance a considerable amount, the below spending cut ideas may help. 

pink pig money bank on a white background, 3 Big Spending Cuts When Needs MustPicture by Ann H from Pexels – CC0 Licence

Downsize Your Home For A Cheaper One

Whether you’re a renter or a homeowner, it’s likely your mortgage payment counts for a large chunk of your paycheck. 

It’s not unfamiliar for many to push themselves to get the house of their dreams either. And find themselves a couple of months later, stuck trying to make ends meet because their income barely covers their mortgage and living costs. 

Situations such as this could have problematic consequences if, for example, you fall ill or lose your job.

If you’re confident, the mortgage is putting you on the brink of debt. Or you’d feel more comfortable finding a house that’s more affordable for your income. Here are some house downsizing tips you can look over to help you decide whether it’s the best option for you.

Become A One Car Family – Or Better Yet Cyclists

A large portion of people, where possible, are working from home to prevent transmitting the virus. Which has forced the working world to change. And see remote working as not just a temporary fix, but a potential long-term solution for businesses and employees. 

With that, many of us aren’t getting much use out of our vehicles as we’re no longer commuting. Because of this, it may be worth letting one car go. You could sell it privately (you tend to get more money for your car this way) and cancel the tax, insurance. By becoming a one-car family, you can save you a large portion of money each month.

Unless you’re living in the sticks, you may even want to consider giving up all cars entirely and invest in a bike to get around instead.

Look At Your Food Shopping Expenses: Plan To Cut Back

A food shop here, a take away there – money spent on food and drinks adds up quickly and could be something worth taking a look at to see if you can cut back.

To give you an idea of what you’re spending, take a look at recent bank statements for the last 2 or 3 months. Add up your food shops, cake and coffee meets Chinese food deliveries, etc., and see how much it adds up to. 

You may be surprised by the amount you spend. And it could be an area in your expenses where you can begin making significant cutbacks. In turn, leaving you more money in the bank each month to cover the essential things. 

If you’re struggling to make ends meet, reach out to people you trust, such as family and friends, to see if they may be able to help. 

Other places that can offer support and direct you to help available is the Citizen Advice Bureau. The Citizen Advice Bureau is free to all. They provide a wealth of valuable information for all sorts of issues, money worries included. 

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I’m Stacey, in my mid-late 30’s, from a tiny village (officially a hamlet) in Lincolnshire.

I’m a mum to two handsome boys. They’re both diagnosed autistic but that only makes them different, not less. Barney, a Frenchie x Beagle, is my furbaby. Owner of a husband too!

Blogging about lifestyle and books with a bit of everything else thrown in!

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