4 Things I’ve Cut in My Budget to Save $6,000 Per Year

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My budget used to be bloated, but I've made some cuts saving me big money. Here are 4 things I've cut resulting in an extra $6,000 in my pocket instead.

A recent Gallup poll showed that 2/3 of Americans do not budget at all. Although many people who are excellent with their finances can get by without one, I’ve always been a strong proponent of tracking spending and planning out expenses for the month.

I think what people have to remember is that budgets can be fluid. The budget you had last year isn’t going to be the same as your budget this year. You have to be flexible and open to change. If you use budgeting software like Mint or Personal Capital it can be easy to manage that fluidity over the course of time.

That said, I’ve taken a lot of expenses out of my budget over the past few years – especially after having my twins. I even went three years while living in the Caribbean hardly buying any clothes or highlighting my hair blonde. While I’ve added a few personal care items back since moving back to the States (namely the hair!), I still love shopping at thrift stores and scoring furniture off the side of the road.

Here are four more examples of items I’ve cut out of my budget to save a ton of money:

Fun Make-Up Purchases


About 18 months ago, I wandered into the mall to buy waterproof mascara and new foundation. I was extremely pregnant with my twins, hardly able to walk from to room in my house, but I was determined to look nice on the day they were born. So I dragged myself to the mall and purchased new makeup.

Guess what? 18 months later, I’m still on that same tube of foundation because I hardly wear makeup anymore. There was a time in my life when I’d pick up a new eye shadow color or lip gloss when I was shopping out and about. Now I’ve been using the same makeup I’ve had for well over a year. Eventually I will have to replace it once it runs out but gone are the days of experimenting with different colors and combinations. It’s just an expense I can’t afford to make right now, and it’s totally unnecessary since I don’t ever go anywhere since becoming self-employed.

Estimated Savings: $300+/year

My entire TV setup


I’ve written about this numerous times, but it’s worth saying again just in case I can convince someone to come over to hang out on the no-TV side of life. :- ) I didn’t just cut the cable. I cut out having a TV in my house altogether! People often think it’s weird when they come into my house and they don’t see a TV in the living room. It’s just such an American staple.

My iMac screen does a great job of mimicking a small TV and Netflix works just fine for me. Best of all, I don’t have to buy a $300 TV or pay $50+ in cable bills each month. Win/win! If you don’t think you can live without cable, there are just too many options out there – Netflix, Amazon Prime, Hulu and others that make it most definitely possible.

Estimated Savings: $600/year ($900 if you count the actual TV)

Expensive GYM Membership


When I first moved to New Jersey, I signed up for a gym that had amazing child care and a cafe with Wifi. Clearly, I was not using the gym to actually work out. I was using it as an office to get some writing done without having to pay the expense of daycare (because at the end of the day the gym membership far outweighed what it would be to put two kids even in half day daycare.)

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During the winter, I couldn’t bring myself to actually bundle up both kids and bring them there. It was just too hard with the snow and two infants. I felt badly about it but my attendance at “my office” really dropped to only once or twice a month. I couldn’t justify the expense or hanging on to it until it got warmer, so away it went!

Estimated Savings: $1,000/year

My budget used to be bloated, but I've made some cuts saving me big money. Here are 4 things I've cut resulting in an extra $6,000 in my pocket instead.

Going to Whole Foods


Like many moms, I like buying my kids quality food. I really did enjoy going to Whole Foods to buy them produce and meat because they had a lot more options in terms of organic food. The problem wasn’t Whole Foods per se, but rather that I got lazy and didn’t want to go to Whole Foods and other grocery stores to shop around. So, often I’d end up getting all my groceries there.

Once my grocery costs started creeping up I did a bit of a food audit on myself and decided to stop shopping there. There is a very inexpensive grocery store close by where I can get the staples, and I can often buy the eggs and milk that I want the kids to eat and drink at another store in town too. All summer we’ve gone to the farmers market too, which is a great place to get fresh food. Since dropping my beloved Whole Foods, we reduced our grocery bill by around $300/month.

Estimated Savings: $3,600 per year

The total amount of money I’m saving per year just for cutting these four things out of my budget is almost $6,000! I love having that money in my pocket instead.


What things have you given up or cut out in the past few years? What have you done with that extra money? What has been the easiest thing for you to cut recently?

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Catherine Alford is the go to personal finance expert for parents who want to better their finances and take on a more active financial role in their families.


  • Ramona says:

    I gave up clothes shopping, because I did have some stuff already and realized I don’t need more. And, since I am staying at home and just playing in the park with the baby, I can wear whatever I choose to 😀

  • Hannah says:

    We’ve cut a lot of the same things, but mainly because with a kid (and working from home), I find I don’t have much opportunity to experiment with makeup, watch TV, or drive 15 miles to Whole Foods. I would LOVE to join a gym with childcare, but the nearest one of those is far enough to make it not worth it.

    • Cat says:

      Totally agree. When you hang out at home a lot and are taking care of children, there’s not much to worry about in terms of makeup etc!

  • The DeLeon says:

    The area that I cut out since February 2014 was cable and the TV. I have so many friends who make comments about how disconnected I am from the world, and all the shows I must miss. Yes I miss shows, but those shows weren’t adding any value but just keeping me inside missing out on life. I have a phone and laptop to stay connected with the world. I believe I have a better perspective on the world because i do not listen to all the negative, fear mongering stories the news likes to show.

  • Money Beagle says:

    $1,000 per year on fitness savings, that seems extreme. I am a member at Planet Fitness and pay $10 per month so cutting that out would not save me anywhere near the amount you noted. We do have some higher priced options, like Lifetime, which are probably around the amounts that you have, but they’ve always been too rich for my blood to start off with!

  • Stefanie, The Broke and Beautiful Life says:

    I buy about two or three fancy foundations each year and get everything else from samples and promotions. It’s amazing how much you can save when you pretty much cut out traditional personal care.

  • Syed says:

    You’re absolutely right groceries can be a real money pit if you’re not careful. The expensive stuff is in the middle aisles, which contains all the processed stuff that doesn’t require refrigeration. If you stick to mostly staples around the perimeter of the store (meat, fruit, veggies, dairy), then you can save a whole lot of money.

  • Kristi @ Femme Frugality says:

    Paying the gym fee instead of childcare is a brilliant idea! It makes sense that you cancelled it after it stopped being a valuable solution, but while it worked for you it sounds like you were saving a ton of money. I may have to look into the cost of a YMCA membership.

  • Thomas @ i need money ASAP! says:

    +1 for farmers markets. Great source for fresh and organic vegetables. Plus the prices are usually quite reasonable for in season items and the farmers get to keep more of the actual profit.

  • EL @ Moneywatch101 says:

    Those are some great savings. I don’t cut things from my budget, I just make more money. (HAHA) Kidding I try to do both cut down on expenses while trying to grow multiple income streams.

  • John says:

    Personally I agree with you on the Whole Foods comment but I think it really depends on where you at in life and what you value. For some a higher quality of life translates to higher quality food. For each is own I guess..

  • Karina L says:

    I constantly remind myself that every dollar spent would compromise my saving which I want to use for my special needed daughter in time of needs. She is diagnosed with ASD.

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