As DS points out, money leakage, just small incidental amounts surprisingly add quickly. How does DH use his $160.? If it buys lunch with his colleagues, lunch from home is healthier and cheaper.
I suggest you check on-line or with a broker to determine how much would be saved 'bundling' insurance. Armed with the figures, you could discuss the changes you wish to make with the bank/mortgage holder and gain approval to make changes.
What skill sets can you offer to bring small amounts of cash which in aggregate would cover the cost of car maintenance, appliance replacement targetted fund? Would it be possible to offer child care in your home while school is out for the summer? Has your 14 y/o taken the Red Cross babysitter course, thereby able to earn sums to pay their cell and summer entertainment?
Would neighbors or friends be interested in buying your home made bread twice a week; cheap to make, expensive to buy in stores?
We all use different methods to push income further, I hope some of these ideas are useful.
|