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Tips For Working With A Limited Budget

working with a limited budgetA tight budget is not uncommon for the majority of Americans. While settling credit card debt or managing student loans, people are working to make ends meet with a limited budget. However, living on a tight budget is not impossible if consumers learn how to manage their money properly.

Tips For Working With A Limited Budget

Even when there is not much money coming in, living on a limited budget is not impossible. All you need is commitment, planning and the right mindset to deal with your financial situation. The single most important thing consumers can do is to create a budget. So, what are the most basic steps to working with a limited budget?

  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. Remember, if you don’t have the cash to pay the bill, then you might get stuck raking 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. You have to know where to look. Take the time to research coupons and sites that offer discounts.

If you are working hard to make ends meet while managing debt, speak with a certified counselor from ACCC. Call 800-769-3571 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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