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Everyone encounters a time when you have to use budget savers to make the money you have last until it replenishes and the budget resets.

It’s usually when you’ve decided not to spend any money for a short period (by doing a spending freeze), or there just isn’t enough money to make ends meet.

This may involve getting creative and even slightly tweaking your lifestyle to stretch every dollar you have.

You can learn how to stretch your budget by easily identifying your habits and your weeknesses.

You can quickly get on a budget saving plan by looking for deals to help your budget stretch.

And, living on a budget isn’t that hard when you look for those fun freebies to keep your family happy and occupied.

If you are starting to question whether or not you’ll make it to the next paycheck, here is how to use budget savers to stretch your budget when you’re tight on money.

budget savers

Identify Your Budget Busters

The first thing you need to do is determine what your budget busters are in your budget. It might be clothes, food, shopping, or something else. This is where your efforts should be focused on.

This is the first step in how to stretch your budget.

In our home, it’s our restaurant budget. I hate cooking, and when life gets busy I want to eat out so I can spend time chatting with everyone instead of cooking (and then cleaning up afterward).

That means when I see that life is going to get busy (such as having 4 volleyball games in one week), I try to get ahead of the days by planning out what our meals are going to be. It might still be going out to eat, but only if we have enough money in our budget. That may mean going to a less expensive restaurant such as Steak N Shake instead of Panera.

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We also stretch our at-home dinners by turning leftovers into a new creation for lunch the next day, and finding cheap but filling meals.

We also try to keep our meals fun so we don’t get bored eating at home!

Whatever your budget busters are, you can get creative to find a way to make them budget savers. That way you’ll easily make it to your next paycheck.

budget savers

Cash Is King

When you need to stretch your budget, cash is going to be easier to work with. When you can physically see how much you have to work with, it can be easier to manage.

Use the cash envelope system to divide the remaining dollar amount of your budget into cash and put it into specific spending envelopes.

Focus on the most critical categories first, and then work your way down to the ones you could do without.

This will help prioritize your budget, and help keep you from overspending.

Getting on a budget saving plan will help you so much during the month.

budget savers

Look For Good Deals and Use Coupons

Coupons will help you stretch every dollar are the real budget savers. It doesn’t matter if you’re buying groceries, or birthday gifts, you can use coupons for just about everything!

Think of coupons as free money. If you have a $1.00 off coupon, it’s the same as keeping one dollar in your pocket instead of spending it.

You shouldn’t use coupons on items you weren’t planning to buy, but if you were going to get the item anyway, deal or coupon could help you stretch those dollars further!

Learn How to Coupon the fast & easy way!

Living on a budget can be easy when you find those deals to save you more money in the first place.

budget savers

Get Rid Of Anything Considered Nonessential

If you are finding yourself in a situation where you don’t want to spend money because you fear you won’t have enough, you need to start eliminating anything that is considered nonessential. These become budget savers.

Warning, Truth Bomb ahead: Fabric softener is nonessential, Netflix is nonessential, and as much as I hate to say it… Starbucks is nonessential too.

The best budget saving plan, is the one where you get rid of all the nonessential items that are sucking your budget dry.

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Download this FREE Guide with 5 Solutions to show you how to have more money to make ends meet.

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You may look at your grocery budget and think that this is an essential category, but when it comes to crucial, that does not include snacks or juice/soda drinks.

Here are some other nonessetial grocery items you may be adding to your “grocery bill”:

  • Ice Cream
  • Snack Cakes & Sweets
  • Chips
  • Laundry smell booster beads
  • And so much more!

Did you know yoou can save up to $500 this year just by comparing prices at the grocery store? You can!

You can survive on just water and without snacks (homemade cookies anyone?), even if it stinks for a few weeks!

budget savers

Look For Free Activities Or Events Near You

If you are busy with free events and activities, you won’t be tempted to spend money while living on a budget!

There are so many freebie services or activities where you can listen to live music, have fun with your family, and even watch movies.

You can get new movies from your library, watch a movie in the park, or find a free streaming service to make your own movie nights at home.

You can attend a festival or free concert by looking at your community’s event calendar (this is the Tampa Bay Area one) for a list of events near you. To find yours just google Community Event Calendar (and your hometown).

Your options may be limited, but the more you sit at home, the harder it will be to resist the urge to spend (or want to go to the mall). Plan for some free activities to keep you busy, and have some fun with these budget savers!

Just be sure to bring food with you and prepare the kids that you are not buying any popcorn or souvenirs while you are there.

As you can see, you can learn how to stretch your budget by easily identifying your habits and your weeknesses.

Plus, you can quickly get on a budget saving plan by looking for deals to help your budget stretch.

And, living on a budget isn’t that hard when you look for those fun freebies to keep your family happy and occupied.

That way you’ll stretch your budget as far as it can possibly go!

 

YOUR TURN: Which budget savers do you already use? Do you use any more strategies to stretch your budget? Let me know in the comments below!

Need to make your paycheck stretch a little farther this month even if you\'re living on a budget? Learn how to stretch your budget with these tips! Plus, your budget saving plan will get easier when you learn how to find fun family freebies! Start with these tips!
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