How ruthless you must be depends on how much cash you need — and how quickly you need it
If most of your income and expenses are paid in cash, you may have to do things the old-fashioned way: with a notebook or spreadsheet. Try to sit down and write out what your actual bills are, and then write out what you want your budget to be on discretionary expenses such as entertainment.
Prioritize a few little treats that bring you joy well worth their cost. If getting a $3 latte brings you far more joy than $3 spent elsewhere, get the latte. Consider taking cheaper alternatives to the treats you’re giving yourself. If you order takeout because you hate cooking, consider buying nicer ready-made meals at the grocery store. Those can be pricey in their own right, but if it prevents you from ordering Chipotle off DoorDash and paying for delivery and tip, you’re still saving.Article contentSlimming down your fixed expenses may be easier than you think. It just takes some research and a willingness to shake things up.
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