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Two Living on One Income  email this discussion to a friend?

myLot reputation of 99/100. ElusiveButterfly (9602)   ranked 1 out of 151 in living frugal 3 years ago

Times are really tough as we know too well. Jobs come jobs go. We are down to one income now. We have managed with less. A few days ago I made a list of all of our bills. Our bills left us with about $120 a month for food (if we didn't have to pay car insurance).

So the next task was to eliminate some of the bills. We did pare down the cable/internet to less than half of what we were paying. We pay $27 a month for trash removal. By obtaining a sticker at our town office to use the dump we can save at least $15 or more by bringing the trash to the dump. This of course involves a bit of recycling and composting. With a little effort we could do this.

Our phone is through Vonage. It saves us quite a bit of money so we are keeping that. Our cell phones will go the wayside. Even using a pay as you go phone isn't reasonable. Why have it if you really don't need it?

No longer do we dine out or grab fast food. My shopping habits have changed as well. No more prepared meals. I was bringing Lean Cuisine meals to work with me. Now I will bring more sandwiches and leftovers. Chicken has become the main choice for protein. You can use it in a variety of ways and never grow tired of it. Well, at least I won't. I love chicken.

We are using more canned and frozen vegetables as opposed to fresh. When warmer weather comes we are hoping to plant a small vegetable garden. Green beans, yellow beans, zucchini, tomatoes, carrots, radishes, and perhaps a row or two of corn will be amongst the vegetables I hope to plant.

Our yard will not support the garden that I would love to have so we will have to use other means. Community gardens are one way to have a garden. Another way would be to ask a family member for use of their yard. We are asking our landlord for the use of a space that isn't occupied and is not in use. I believe that he won't have a problem with this because he won't need to mow the grass!

No longer do we toss out things we don't need. If there is a possibility of making a buck or two on something I am keeping it and putting it in a tag sale this spring. I also hope to start making some craft items and baked goods to and setting up a table at a local flea market every-other-weekend. This will bring in a few bucks.

You never know what will happen from one day to the next. Don't ever think "it won't happen to me" because it can happen without notice. The one thing to remember is not to let it get you down. Tomorrow is another day, and where there is a will....there is a way.

 

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cynthiann (5234) response was accepted on 5/31/2009.
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tags:  one income, frugal living, tough times, employment, great
 
1. myLot reputation of 91/100. HelloMickey (1390)   3 years ago

You are so positive. I had same experience 5 years ago. Two livings on one income. I don't deny I was definitely frustrated at that moment. But I have learnt to think and act positively as long as life endures.

Thanks for the encouragement. Good luck.


myLot reputation of 99/100. ElusiveButterfly (9602)   ranked 1 out of 151 in living frugal  3 years ago

You've got to remain positive or the negativity will suck you in.

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2. myLot reputation of 99/100. cynthiann (5234)   3 years ago

I know that it can happen. three children almost jobless and the other oner may be jobless in 5 weeks. I admire you so much because you have devised a plan on how to cope and you are going with it. Planting fresh veggies is great and remember to plant potatoes in tyres too. I wish you everything that is gpood and know that you will get through this bad time. God Bless


myLot reputation of 99/100. ElusiveButterfly (9602)   ranked 1 out of 151 in living frugal  3 years ago

Thank you Cynthiann. Times are really tough and having the experience of it happening once or twice before helps.

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3. myLot reputation of 98/100. teka44 (2501)   3 years ago

Hi Elusive. I agree with you totally. And you are doing well surely. In the past people don't had cell phones nor many things we have now and they lived. Now we are living hard times so why not start to do some things that we really can do but never did only because laziness. And I think that you will enjoy the garden and the vegetables you will grow up. It will be get both, the useful and the pleasing.
Good luck and have a nice weekend.

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4. myLot reputation of 97/100. Polly1 (9354)   ranked 29 out of 151 in living frugal   3 years ago

Very good ideas here, sorry to hear that you are down to one income again. I have been poor all my life and know how to live poor. I think most of us are doing what we can to cut expenses. We are living in some tough times, we got thru it before. we will again. Take care and I hope things get better for you.


myLot reputation of 99/100. ElusiveButterfly (9602)   ranked 1 out of 151 in living frugal  3 years ago

There have been times when I have been a bit more prosperous and times when I was pinching pennies and robbing Peter to pay Paul. At present time I am pinching pennies and keeping my fingers crossed. Makes it hard to type though! rasp

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5. myLot reputation of 96/100. sysdexlicwriter (1210)   ranked 58 out of 151 in living frugal   3 years ago

You have covered a lot of good areas. You may want to consider going to a farm produce stand or buying from a local farmer for fresh fruits or vegetables. How about even going to a farm that lets you pick your own produce. I love my dehydrator and canning.

I like to buy what is on sale and stock up on that item until the next sale. This works really good with paper products and cleaning supplies. I can save $48 per year just on laundry soap.

For lunches that you make yourself, you can get creative and have a better lunch than you used to have. Pre-pack a salad. Buy some wraps and stuff them with all types of meats, cheeses, veggies. Bake some of your own cookies and sweets. Yummmmmmmm. Share them with others at work.

If you like to read and don't want to spend the money on books, etc., the library is your friend and you can even put books on hold through the internet in most parts of the United States. You can also rent free movies (just make sure that you are checking out free movies and not the ones they charge for)!

You are doing a great job and will definitely enjoy the rewards.


myLot reputation of 99/100. ElusiveButterfly (9602)   ranked 1 out of 151 in living frugal  3 years ago

I will more than likely eat my fair share of pbj's for the next few months. I do bake from scratch and that saves me quite a bit of money. Reading is one of my favorite pastimes. I buy books at the Goodwill store for .75 cents each and often get them when they have a BOGO sale! The books will be sold at a tag sale this spring or summer.

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6. myLot reputation of 100/100. jillhill (17687)   3 years ago

Sounds like you have all your ducks in a row!!! Good for you! Back in the olden days this is how they lived all the time! Good luck to you...


myLot reputation of 99/100. ElusiveButterfly (9602)   ranked 1 out of 151 in living frugal  3 years ago

I have been living in the olden days for most of my life. Not a bad place...just can be a bit rough.

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7. myLot reputation of 99/100. brendalee (5064)   ranked 31 out of 151 in living frugal   3 years ago

Tom and I have been living on one income for awhile now. But I do make about $100 a month with all my online stuff. That money usually pays for extra stuff like gifts and things we don't really need. But lately it has been going towards bills. Luckily we own our home so there isn't any rent but we do have to pay taxes. Tom might be losing his job again real soon and I am not sure what we will do. Finding a job nowadays is almost impossible. As you know, I am also thinking of planting a garden. Good luck with yours and I hope your situation improves soon.


myLot reputation of 99/100. ElusiveButterfly (9602)   ranked 1 out of 151 in living frugal  3 years ago

You do quite well with your online earnings. Sadly I don't do so well. If I had to rely on the money I make online I would be destitute. I hope that Tom will be able to keep his job. Big huggers to you.


myLot reputation of 99/100. brendalee (5064)   ranked 31 out of 151 in living frugal  3 years ago

I only do so well because I am on the computer almost the whole time I am awake. It gets boring sometimes. Big huggers right back to you.

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8. myLot reputation of 95/100. OreoCookie3 (22476)   3 years ago

That is great Butterfly. You can also go to nice thrift stores for clothes instead of to Walmart of nice shops. I have gotten designer clothes at The Great American Thrift Store...they aren't open anymore I don't think... There is now the American Thrift Store in Atlanta... you can check out the better thrift stores...

We also have a Real Deals here where you can buy food really cheap... Real Deals buys up food that restaurants bought and then didn't use. There is a lot of large quantities.. but that is okay... like the big blocks of frozen spinach I just let it thaw and repackaged it into smaller portions and refroze it. I spent something like $60 and had food for half a month. You have to know where to go. Check and see if you have a Real Deals where you are.


myLot reputation of 99/100. ElusiveButterfly (9602)   ranked 1 out of 151 in living frugal  3 years ago

We don't have a Real Deals where we are. I do shop our local thrift shops when looking for gifts. I have been able to find some wonderful things and sometimes they are brand new with the original label/sticker on them!

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9. myLot reputation of 99/100. GardenGerty (35296)   3 years ago

My question is "What is your husband doing to help with the reduced income?" Are you sure he will not become re employed? I know you can cope for awhile, I have know you long enough on here to know that you do cope, and you do survive. Three cheers to all the survivors on MyLot.


myLot reputation of 99/100. ElusiveButterfly (9602)   ranked 1 out of 151 in living frugal  3 years ago

Ha! Good question. He is fighting tooth and nail about having to take the trash to the dump and doing the recycling! He has readied a spot in the backyard for a garden bed.

Unfortunately he will not be hired back. cry But, I am hopeful that after his hands heal from surgery that he will find something.

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10. myLot reputation of 98/100. SomeCowgirl (14318)   ranked 60 out of 151 in living frugal   3 years ago

My fiance and I are basically on one income. I've said that so many times here I'm not sure if I said it to you or not. We don't have to worry about bills right now because we live with my fiance's parents. We are saving as much as we can and each day I keep thinking of a goal for me to get to a month. I guess I really need some guidance on budgeting and making as much as I can here on mylot. Times are very tough, and people are losing their jobs left and right, every day! We don't have a job, not sure If I've said that to you before or not either.

We tried to garden last year but the wild animals ate everything, I guess we need to start researching on how to keep them away, a friend of ours suggested racoon pee, not sure if that will work for all animals though.

I hope that you continue to save!


myLot reputation of 99/100. ElusiveButterfly (9602)   ranked 1 out of 151 in living frugal  3 years ago

I am a little concerned about rabbits eating the veggies in the garden. But, I am willing to give it a try.


myLot reputation of 89/100. busyB4 (791)  3 years ago

It sounds like you are doing a great job and could teach others how to save also!!
One other thing here in the US you might be interested in is Angelfoodministries.com . They have hosts - usually churches who help others by being able to buy food in bulk, so you can get a weeks worth of groceries for a family of four for $30!! Check out their website and it will give you the months menu and you can type in your zip code to find if there is a host near you. It really helped us out for a good while. Our host no longer is doing it and I just havent gotten lined up with a new one yet. They also have toher boxes you can buy . You have to preorder and pay for the food in advance and then it comes inusually the last Saturday of the month.

Another thing might be to invest in a clothes line and hang your clothes out to dry. This can save extra also.

My nirghbor uses shredded irish spring soaps around the bottom of her plants to keep the wild animals away.

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