01Find Free Alternatives for the Things You Need
If ditching your cell phone, Internet or some other service isn't an option, look for free alternatives to take the place of the paid version. It's amazing what you can get for free these days.
02Increase Your Earnings
Sometimes a budget shortage really is about a too-small paycheck – and not a spending problem. Find ways to bring in enough extra money to cover the necessities, whether it's by picking up a second job, several odd jobs or some other means all together.
Too many expenses and not enough cash to cover them could be an indication that you're living too large for your current situation. Go over all of your expenses, and look for places to downsize. Could you move to a smaller home? Trade your vehicle(s) in for something cheaper? Become a one-vehicle family? Sell off some of your toys? Sometimes a big change is the only thing that will get your finances back on track, so be honest about what you need and what you don't.
Living modestly, working hard and still not bringing in enough money to cover your bills? Then, it's time to ask for help.
- Get Help with Rent
- Get Help with Utility Bills
- The Lifeline Cell Phone Program
- Temporary Assistance for Needy Families
- Find a Food Bank or Food Pantry in Your Area
- Emergency Food Assistance
- Child Care Financial Assistance
When There's Nothing Left to Cut from Your Budget
Trying to get your budget to crunch, but out of things to cut? These are the steps to take next: