Have you made your 2019 budget yet? Do you have any money saving tips to share?
I've made my financial plan for the New Year. I'm already The Officially Cheap Bastard©™ but this year I'm upping my game, tightening my belt by another notch or two. I rely on budgeting apps like Everydollar.com to help keep me on track.
This means no more spending on anything that is not absolutely necessary. The only luxuries I allow are my streaming services. I admit, I'm a TV junkie. On the other hand, I have not been to the movies for at least two years, and going to the theater or a show are out of the question for me.
I also NEVER do anything like go out for coffee, or buy prepared or takeout foods. I have a meal out only once a month, and my budget is $15.
Here's a tip: you can sometimes renegotiate service contracts. I managed to reduce my comcast bill by $30 a month. It took a half an hour on the phone with a manager, who tried every trick in the book to keep me on my old plan, but I was adamant.