That means I make every meal from what I have on hand in the pantry, fridge, and freezer. I find that this also saves me time in the morning since I don't have to think so much about what I'm going to do for food and also makes me enjoy dinner a lot more too 🙂Ģ) Do a pantry purge challenge at least once a month. You can double the savings if you use a similar strategy for breakfast AND lunch (for me, it's a peanut butter & jelly sandwich). Both are dirt cheap so I get one meal out of the way for very little, like maybe $30-$40 for the whole month. For example, I eat oatmeal with banana slices every day for breakfast.
That way, you both end up paying less for housing than you would if you lived apart.Īs for food, there are three things our family does to really slash our spending:ġ) Choose a super frugal meal and eat that everyday for breakfast or lunch. With the latter suggestion, you could make it a win for your family member by offering to pay something to them, like a reduced rent. You would relieve so much of your pressure if you could either take on roommates or move in with family. I don't know your exact numbers but from what you wrote it sounds like a dire situation, so you may have to consider major change. To see big improvement, I would recommend focusing on the top two expenses that most people have: housing & food. Until you get another job, your other challenge is to figure out how to make due with what you have. (I also just borrow it from the library, so I don't have to spend money on it). It gives you an idea of the kinds of skills and accomplishments to think of that help sell yourself. What I love about their book is that they give advice on various parts of the job hunting process but they also give TONS of examples of solid resumes for practically every field. If you don't show them you doubted the decision, they shouldn't either.Įvery time I job hunt, I refer to this amazing book called Knock Em Dead Resumes. Say they no longer need your care so you are excited to get back into the workforce again. You can explain that your parents fell ill and you knew it was the right thing to do to take care of them. You may be concerned that your employment gap will be a red flag for potential employers, but it won't be if you speak to it with confidence.
By doing this, you can a) start to have some money to help alleviate the financial stress you're feeling, b) start plugging up the gap of unemployed time in your resume, and c) doing it part time still gives you some time to look for a full time gig.ĭon't wear your worry to your interviews. If you are really financially strapped, I think a wise strategy is to get a part time job asap first. I know that caretaking is one of those things that is way harder than it seems, so I know you have at least several qualities that would make you a wonderful person and employee.Īs for your situation, I see it as two problems put together, so let's address them each one at a time. I wanted to start by saying that what you did for your parents is absolutely commendable and important. If you find out your income exceeds your expenses, create an emergency fund to buy items required for the entire household - this way, you will not have to look for money urgently every time household appliances break.Thank you for dropping a note to say hello!.Think about the expenses that can be included in the personal budgets of every household member and how much money can you save for leisure-time activities with your family. Often one or more family members or inhabitants have subscriptions or memberships they do not use yet continue to pay for them without even realizing it. A typical Household Budget should be based on your bank statements and receipts - see how much money you spent in the last few months. Calculate the total amount of expenses for a week or month.See how much money you spend on it every month - maybe, later these expenses become regular and you can be prepared to lay aside money specifically for them. Add free space at the bottom of the page or use footnotes to record discretionary spending such as entertainment and home maintenance.It is important to add the rent, mortgage payments, utilities, groceries, clothes, gas, and other travel expenses. Write down fixed and variable expenses.If you earn money from your hobbies or side jobs yet cannot count upon it constantly, it is better not to include it in the Household Budget spreadsheet. Do not forget Social Security payments, child support, and dividends since many people only limit their income to salary and forget other sources of income. Consider separating the income of every household member or roommate and then calculate the total amount. Every Household Budget template is unique, and if you wish to customize it to suit your own needs, follow these steps:
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