Question

What have you done so far this year to reduce your expenses?  

Answer 1

Stopped eating out and switched car insurances/ paid in full, strict individual budgets for both my wife and me

Answer 2

Negotiated lower rates with my cable, phone, and car insurance companies. Negotiated payment plans with debt collectors and will be wiping out debts with 5 companies when I get my tax returns in a couple of weeks. The only debt I'll have left will be my mortgage.  

Answer 3

Hubby and I put a strict budget on our grocery bill. We’re actually sticking to it  

Comments

My wife and I are look at our grocery line as well. This is our largest item, other than Roth's and savings.  

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@mesotron we set a weekly amount, and once we hit it, no more groceries. It has meant cutting out almost all the convenience food like crackers and lacroix so there’s enough for the veggies, pantry staples, etc.  

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Oh, and no going out. But I love cooking, so I don’t mind that one.  

Answer 4

Cutting grocery bills, stop buying stuff  if I won’t die without it, I won’t buy it

Answer 5

Cut groceries & fast food spending.  

Answer 6

Bought a puppy, going out to bars & dinner more frequently, playing in more sports leagues & tourneys. wait. disregard. moving in the wrong direction . In seriousness, I did a deep dive into my Mint history, particularly focusing on 2018 & 2019 spending, and found savings opportunities in several of my budget categories. Should be close to flat or spending just a bit more YOY

Answer 7

Refinance my primary residence to pay a off rental property. Reduced interest rate from 3. 25 to 2. 875.  

Comments

Fought the county for reassessing the property we inherited and just received notice this evening that they are reversing the reassessment. Taking my property tax back to $1400 a year vs $7+k

Answer 8

Plant a vegie garden and set a goal

Answer 9

I just joined my wives auto insurance policy ( we both were using progressive but different policies) which saved us 75$ a month. We bundled home insurance also and it saved us another $50 a month

Answer 10

Refinanced to a 2. 75% mortgage. (30 year)

Comments

@vegetation what mortgage company?  

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@yseulte437 I used synergy mortgage group, a broker, to find the best deal. United wholesale mortgage ended up being lowest. Closing costs were 1% total, no points.  

Answer 11

Stopped clothes shopping, stopped going out to eat, and going out for drinks. Spoke with my car insurance to get it reduced. Still had to take on 2nd job

Answer 12

Installed heat pumps and a hybrid water heater to reduce my propane usage. Then I'll be installing more solar panels to cover the new extra electricity usage

Answer 13

Eat more peanut butter sandwiches.