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Montly budgets for me are impossible! I need to have more discipline, patience, etc. But there are some easy ways to cut costs. One such way is to take your lunch to work as opposed to eating out every day. You can eat for three days bringing your lunch for the same amount as going out. Another hint is clipping coupons. Yes be that person holding up everyone in line-it is saving you money. Also, cut out trips to convenience stores. Those $1 cokes really add up in a month. That goes the same for starbucks coffee. Buy the 39 cent one at the local fast food joint or better yet wait for the free coffee at your office. Limit eating out to once a week especially if you have a large family or if you can avoid it all counts you will be surprised at the amount of money you save. Do away with sodas or expences that are really not needed. drink tea and/or water, it is much cheaper. These are only a few suggestions. I am no expert.
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Good suggestions, id like to also add cutting down on bills at home by taking showers as apposed to baths, make sure lights are turned off when you leave a room, turn off pc and other electrical appliances at night and not leave them on standby, wash your clothes at a lower temperature, use a washing line instead of a dryer, operate a car pool program to save money on petrol and walking or cycling to work instead of driving. When shopping shop at bulk retailers like costco and go for unbranded products instead of branded.
Also if you are like me and a smoker, either switch to rolling tobacco or even better quit totally. Often ale, bitter cider is cheaper in pubs than lager if you go out, but you can save more money by buying alcohol at a convenience store and inviting people round instead.
Being a student has taught me something I see...!
Here is a great article that outlines some tips for living with your means, making a budget and sticking to it.
Living on a Budget - http://www.bank-software ... -budget.htm