Like many Americans I have financial issues. I know how it is to struggle to make ends meet. Part of my problem is, to coin my own phrase, I “think in a straight line”. That is, if I’m buying used appliances, furniture or the like, I tend to forget that some new items may be priced well and I get warranties with them. When I buy new for a while I forget that there are some worthwhile bargains at yard sales, classifieds, and used item stores. A balanced view of purchases helps.
You’ve also heard all the standard stuff about a budget, writing down all that you purchase and so on. This usually lasts for about a day or two and we don’t follow through. So what can we do. Depending on our family’s size and age of children we could do that balance thing and watch how much we eat out. That’s to say that we will eat out some but it should be balanced with home prepared meals. Another balancing act is cost of food. The more healthy the food the more expensive it usually is. Heavily processed foods are the cheapest and natural or organic foods are usually the most expensive. So a compromise is in order there as well. Try to mix in the healthy things with the less expensive items.