Cut back. My family can enjoy a decent dinner at home for about ฟ. If we went out, that same dinner would probably cost โ. And some meals, like tacos, spaghetti, chicken, or steaks, really do not take that long to make. If you plan to have some leftovers for lunch or another meal, just a little effort can save you quite a bit. We cut back from about 4 meals out to 2 meals out every week. I do not think this makes us suffer, and we save at least 赨 a month.
When you start working with making a household budget it is extremely important to track your spending and all your expense both on a weekly and monthly basis. Many people dread tracking their expenses and recording every receipt but this is by far the best way to gain control over your spending. There is always a huge gap between what people think they spend and what they actually spend each month. So, tracking your spending is the only way to establish a working budget.