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Cut Back on Extras

Find and Trim the Fat in Your Budget


Are extras weighing down your budget? Use this list to identify the extras in your budget; then, decide which are worth keeping and which are just keeping you at work.

Cable/ Satellite

  • Could you do away with cable or satellite entirely?
  • Scale back to the basic channels?
  • Switch from digital cable to regular cable?
  • Do you need a set-top box or hook up in every room?

Phone Plans

  • Do you need caller ID and call waiting?
  • What about voice mail?
  • Could you cancel your long distance, and use a phone card instead?
  • Do you need a landline and a cell phone?
  • Could you switch to a cheaper cell plan?
  • Get rid of text messaging or other features?

Eating Out

  • Could you eat at home more often?
  • Pack your lunch, instead of buying?
  • Bring your coffee from home?
  • Pack snacks when you know you'll be away from home for an extended period?
  • Bring drinks and snacks to work, instead of relying on the vending machines?


  • Could you set a clothing allowance or lower your existing allowance?
  • Could you swap clothes with a friend?
  • Shop second-hand?
  • Repair clothes, instead of replacing them?
  • Forgo dry cleaning?

Subscriptions and Memberships

  • Are there seldom read magazines that you could cancel?
  • Is your mail movie rental subscription a must?
  • Do you have a gym membership that you aren't utilizing?
  • Could you cancel your membership to clubs that you no longer have time for?


  • Could you rent movies instead of watching them at the theatre?
  • Go to matinees?
  • Go to free concerts and events, instead of paid events?
  • Borrow books and movies from the library, instead of buying them?
  • Listen to the radio instead of buying CDs or songs?
  • Find a cheaper hobby?
  • Scale back your vacations?


  • Could you cancel your lawn service?
  • Ditch your maid service?
  • Change your own oil?
  • Have your hair cut less often?
  • Do your own manicures and pedicures?
  • Forgo the massage?
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