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Making Ends Meet With A Smaller Budget

Consumers constantly face the difficulty of living on a tight budget. With consumer debt to pay and everyday expenses, it is hard to make the ends meet. So, what is the best way to manage on a smaller budget? Take our credit counseling advice.

Try ACCC's tips for working with a smaller budget.

Try ACCC’s tips for working with a smaller budget.

Making Ends Meet With a Smaller Budget

Even when there is not much money coming in, living on a limited budget is not impossible. However, if you are living on a smaller budget takes commitment, organization, and planning. Our debt counselors know this can be tricky. Try using these tips to bridge the gap.

  1. Budget – Create a budget that lists all your monthly expenses. This includes bills and debt, as well as normal monthly expenses, such as food, clothing, and household items.
  2. Assess monthly expenses – Break down all monthly expenses into needs and wants, and see where you can cut back.
  3. Cut back on spending – To reduce expenses, take a look at your ‘wants’. Look at cutting back on expenses, such as cable, vacations, and dining out.
  4. Become a planner – Plan your weekly meals in advance so you don’t cave and eat out most nights. Making a shopping list for the ingredients you need will also prevent you from purchasing food that will go to waste.
  5. Don’t rely on credit – Using credit cards wisely helps improve your credit score, but if you don’t have the cash to pay the bill, then you might get stuck racking up unnecessary debt.
  6. Live within your means – Friends and family can be the biggest influencers in our spending decisions. Learn to say no if you can’t afford the activity or material things all your friends seem to have.
  7. Look for deals – Whether you’re in the market for a needed item or want to take a vacation, there are deals out there, especially if you know where to look. Take the time to research coupons and sites that offer discounts for those items or experiences you’re hoping to afford this year.

Managing your finances with a smaller budget is not an easy task. If you’re struggling to pay off debt, schedule a free credit counseling session with us today. 


Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

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