When money is tight it's a good time to review how you get from one place to another to see if there is any cost savings or health improvement opportunities. Do you drive your children to school? Can you walk with them? Doing so would save money, give you excercise, and you would have some special time with your children.
How often do you go to the grocery store? Instead of daily can you aim for weekly? If you go prepared this may save you not only on gas but also on groceries.
With spring coming can you drag that bicycle out of the garage? When was the last time you looked at the bus stops and schedules? Or carpools. I recently began carpooling with a gal from work and it saves more than half of what I was spending and the unexpected benefit is now I am always on time!
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