How To Lower Your Cost Of Living

Okay, so this is a little off-topic but it’s still within the realm of healthy living so I thought it is worth a few minutes of our time.

Tiny House SettingLiving paycheck to paycheck has become so commonplace that few people realize that living that way really isn’t very healthy.

But you don’t have to live your life that way – you have choices.

There are ways that you can lower your living expenses:

Do you really need the big, expensive, gas guzzling car or truck? Maybe you could get a used, smaller vehicle and get rid of your car payment.

Think about inexpensive ways that you could upgrade your house so that you are heating and cooling it more efficiently which would mean less costly utility bills.

Find a place to live that is closer to your place of work that would mean less commute – less commute, less expense. Maybe you could get close enough that you could walk or bike to work. That would serve two purposes – you get your exercise and save money.

By eating more meals at home and taking healthy food to work with you, you could save tons of money. Buying your meals adds up a lot of expense very quickly and the food wouldn’t be as good as what you make yourself.

The biggest savings would come from downsizing your home. The smaller the home, the more affordable it is to buy and the less it costs to live in.

Downsizing – A Small Home

Small Summer HomeIf you are like most people, your biggest expense if your house. If you rent, you are paying for someone else’s mortgage. They are gaining equity at with your money. Sure, you don’t have the added expense of property taxes and upkeep but do you think that your landlord hasn’t factored that amount into your monthly rent?

If I told you there is a way that you could own and live in your own house and the cost of your mortgage will be less than what you are paying right now for your house whether you rent or own it.

You can own a house and still have a little something extra to spend on yourself, doing what is really important to you.

Change Takes Time

It’s not easy to make changes to a routine. Changing the way you have been living is not an easy task but if you implement even one of the above, you will notice a difference in your expenses.

When you incorporate all the changes, you will notice a huge difference – for the better.

If you find change difficult, make a plan to change things over a number of months or years. Change doesn’t have to happen quickly. Just make sure to stick to the plan if you want to make your life better.

Make sure to congratulate yourself on each successful change.

Get excited.

Give yourself a pat on the back.

Give yourself a reward.

Whatever works for you to keep moving forward toward the end goal.

Keep in mind that all the changes you are making will pay off in the long run. One day soon you’ll be living the good life, one that is free of the financial stresses of your previous life.

Start with something small and work your way up to the big changes.

Everything will come together.

The end result is that you will have money to spare, a little breathing room, and a much better lifestyle.

How do I know all this?

Because I’ve been there.

One day I came to the realization that life was not as good as it could be. From that day forward, I started making changes. It took a few years to reach my first goal but I did it.

I’m not done. I have some new goals and I’m working on those.

I will get there, just as I did with the first goal I gave myself.

Today, I am almost completely debt-free and I owe it all to the fact that I gave up many of the unnecessary things in my life.

And I don’t miss all the time it took to clean and maintain the big house. Cleaning my small place takes approximately one-hour – and I’m done.

I live in a very small mortgage free house, my expenses are minimal, and I can afford the time and money to do the things that are most important to me. What a difference a few changes and a few years have done.