Three Practical Ways we Saved $520 a Month Last Year

Last week I wrote about how we’re saving for our home emergency fund and I mentioned that last year we were able to reduce our expenses by $400 a month.  After doing a year-end review of our finances I realized that the number is actually closer to $520 a month.  So I decided to outline how we did this. Last year we started on a mission to cut back our expenses and use that extra money to pay down our debt.  We have had a nice balance on spending and saving through out the years.  We saved to put 20% … Continue reading