Live below your means financially but live above your means with free joy. Rather than going to the movies, take a Picnic in the park, bike ride, playing a board game or doing puzzle, or sitting in front of bonfire. Stop trying to buy happiness in new clothing, shoes or other possessions. Happiness in an inside job.
Change your housing situation by taking it from liability to an asset. If you own your own home, start renting out your spare bedroom, garage or basement. on your area, you can get $500 a month for a bedroom. Take that money and through it directly at debt, never co-mingle the money with your regular household things.
Rent your garage for $100 a month to a friend who is storing a boat or camper at a public storage place or let a friend rent your basement to set up a gym or for storage.
If you rent, move into a larger space with other people, especially if you are a struggling single parent. How great would it be have another set hands to help with cooking, childcare and carpooling?
Learn to barter-Get What You Want for Free: Offer to detail the car of your hairdresser or offer to clean or babysit in exchange for dentistry. You will be amazed what happens when you ask.
Figure out how to get things you want for free or second hand. I love Craigslist and ebay for this kind of thing. Go to the library to read a magazine rather buying it.
And a fourth little quick one, sell your gold jewelry you longer love or want. Gold and silver is at an all time high right now. I got shocked when I got $800 for a little baggies of jewelry I didn’t want anymore.