Worksheet Illustration: Ways to Reduce Variable Expenses
Action to Take
TOTALS
Monthly
Savings
Annual
Savings
Budgeted
Monthly
Cost
Current
Monthly
Cost
Eat fewer restaurant meals
Give up manicures
Set clothing allowance at $60 per month
Give up health membership
$160
$ 30
$ 70
$ 90
$840
$ 0
$ 30
$360
$110
$ 60
$ 50
$600
$ 29
$ 0
$ 29
$348
Found lower auto insurance rate
$140
$110
$ 30
$360
Cancel phone extras -- call waiting, caller ID
$ 14
$ 0
$ 14
$168
$523
$280
$243
$2916
Cut credit card interest rate
$ 40
$ 20
$ 20
$240
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Debt Kit
-- Settle unsecured debts for less than half of amount owed
Credit Kit
-- Improve credit score and reduce monthly bills by $200+
Debt Management
> Ways to Reduce Monthly Expenses
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Related links:
Ask for a Lower Credit Card Interest Rate
Get a Lower Interest Rate: Telephone Scripts
Get a Lower Interest Rate: Sample Letters
Pay off Credit Cards Faster
Ways to Save Money: Food and Groceries
Ways to Save Money: Clothing
Ways to Save Money: Insurance
Ways to Save Money: Transportation
Ways to Save Money: Taxes
Ways to Save Money: Utilities
