When our kids were little I was super-organized. Our boys were only 18 months apart so I didn’t have time to waste. Two babies in diapers is a tremendous motivator to save time and steps. Some people thought I may have taken it too far; even my spices were alphabetized. But getting little ones ready for everything from bath and bed to a vacation out of town takes organization. As the kids got older and I was working outside the home some things slipped a bit.
If you are following along on my Simple Steps To Saving Money Series, this is a sample of a pantry list I use. I don’t have every item on this list and I don’t have every item I’ve ever used but it’s pretty complete. Of course you will adapt your list to the things that you have in your pantry. I have a separate list of staple refrigerator items like milk, butter, and eggs.
Retirement is supposed to be that golden time of life during which your spoil your grandkids, travel, and do all the renovations on the house you’ve been putting off. Unfortunately, for many of us retirement means a serious cut in income. Add the sometimes minor, sometimes serious health issues of growing older and your disposable income can quickly disappear.
I’ve done some cost-cutting and I wish I had done so years ago. I’d have more of that elusive disposable income now if I’d spent less and saved more. But saving anything now helps and for those of you who aren’t yet “golden” these are some good ways to help you cut your expenses. Not all will work for you but at least a few should help.