Cost Cutting – Tip #162
When my husband went on his first deployment I definitely wasn’t happy about it but I tried to look on the bright side. One bright side was that we would have some additional money to do things with, or so I thought. It came as a shock when he got back and we had no extra money to show for it. Neither of us could understand it, at first. Then we started looking at the additional expenses and not so smart decisions we made while he was away. I hope this tip will help others so that they can have a little extra cash to have some fun with after any stressful absence or deployment! Having financial stresses on top of the worry and strain that deployments and re-integrations is definitely something you want to avoid.
Cost Cutting Deployment Tips:
* Exchange services with others rather than always paying (you babysit with my kids on this night and I’ll do it for you that night)
* Skype and/or email – You will be lonelier and that means you may reach out to family that are a long distance call away. Set up a Skype account and save some money not to mention you actually get to see the person
* Check credit cards – Have a realistic look at what is on your credit cards, the interest rates and go to your bank and see if you can get one with a lower rate and set up an automatic payment so that it is one less thing you have to think about and it ensures that money ends up paying down your card
* Make a budget – Go through what you bring in and what goes out each month. You may need more daycare time or help with repairs, yard work, etc. Make sure you have the money to do this.
* Look at what memberships you have and what ones are not going to be used while your family member is away and cancel it or put it on hold
* Make a calendar and include when you are eating out. It is easy to lose track of how much you are spending on just a ‘quick, little meal’. Make a goal for your family and yourself about how often and when you are going to eat out.