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.
Do some comparison shopping for services. Many families have eliminated a land line in favor of cell phones or a cheaper internet phone service. My own cell phone company also sells home internet phone service for บ a month. My old phone service cost me about ์ a month after paying fees and taxes. I even got to keep my old phone number. That was a very painless way to save 軸 a year. I also did some auto insurance rate comparison shopping. I combined my home and car policies with another top company and saved almost 赨 a month! Now my savings total is up to 趚 a month, and I have not given up anything.