Things to Cut When Money Is Tight...2026 March Edition

So...Everyone is out of money again. Well, the 99%. And my youtube algorithm is chock full of budget cuttery. To them I say...BEGINNER! Novice!!! 

 But still, you do have to begin at some point and that will indeed make you a novice. So, things to cut...just some thoughts probably not in a resonable order because my brain does not work in a normal order. 

 1) Cut out avoiding facing facts. 

 Figure out ACTUAL income (the paycheck, no the hourly wage. You don't take home the hourly wage, the gubment, insurance company, retirement fund, union etc etc etc take their cuts first). 

To do that take a look at your auto deposited paychecks or whatever (or, if your pay amount varies take as many as you can find and make and average and subtract 10% as a precaution). Make a note of how many hours are on that check. 

 A fulltime job is 2080 hours per year. Just keep that number in your brain pocket NOW, look at your spending records. If you use a credit and/or debit card or online, virtual venmoy type stuff...look at those records online. If like me you rock it like it's 1826 and pay cash, then gather receipts. Figure out about how much you have been spending. Use that info to estimate a budget for the next month. WRITE THIS ALL DOWN. 

 This won't happen in a day. Baby steps. START recording everything you spend in real time or like me (because I'm awesome) at the end of the day on graph paper with a pencil (for real). Be honest. EVERY spend. It's in pencil so I can got back and put in things I forgot. The top line on the sheet is "income" so if I find a dollar on the street, that goes into "income". In a month or 2 you will figure out categories (rent, electric, phone, streaming services (don't worry...you won't need that one for long)), beer, weed, coffee. WHATEVER. Just be honest and record everything. Now that you've started to face facts... 

 2) Quit buying lunch out if you can bring lunch with you. 

 Left overs ARE lunch. So is a bag of nuts and an apple. It doesn't have to be "lunch" but whatever meals you are buying out and about, STOP IT.  Again, baby steps. 

Also, do not buy equipment to bring lunch in or a fancy warmer for your lunch that plugs into the USB. NO. You have that giant bag of bags under the sink. Use one of those bags. Bring the whole loaf of bread going stale on the counter and jar of peanut butter from the cupboard to the office, or throw it in the work truck. TA DA! You packed lunch for the week. Good job. 

No...do not buy a fancy set of bamboo carbon neutral cutlery to spread the disgusting palmoil based peanut "spread" on your indestructible 99cent loaf of industrial bread shaped product. Grab a spoon or knife from the drawer at home. Find that plastic spoon from one of the last 2000 to-go meals you got at a drive-thru and throw that in the vehicle or office drawer. I dedicate one cupboard at work to the "office pantry" and keep a bowl, bit of silverware and salt and pepper in there along with the food. No one cares. If there is a shared fridge, embrace it and be polite (each monday or friday throw out the crap you forgot to eat). 

 3) STOP with the Unplanned purchases. 

 STOP and think first. Do you really need a new outfit for the concert (which will be your last because...seriously, if money is tight do not buy concert tickets, sing to yourself while you ar packing your lunch, that's your concert now).  Check the closet. Shop the hoard! Think about borrowing or swapping with a friend. 

Do you really need a countertop mixer? No, you do not. If you needed one, you would have one. Move on. 

Do not run to the store for a shallot when you have an onion sitting right there on the counter. No onion? Leave it out of the recipe. Find a recipe that uses what you have. New subscription to a streaming service...NO. NO NO NO. NO unplanned purchases and DEFINITELY no new subscriptions. 

 4) No More Buying coffee out. 

 Make it at home. You will save on the coffee, the health care needed due to constant consumption of liquid candy bars (Seriously saw a "Snickers Latte"...EW!), they cost a mint and are not that great. 

You also save on the gas burned idling in the line to the coffee hut. I set my coffee up the night before so it's ready to go. I have a couple of really nice travel coffee cups that I found at thrift and/or was given as presents. Use a cup you have. Don't have one? Use a portable water bottle, a thermos bottle, or like an old colleague of mine...just a mug from the cupboard, though his car carpet was indeed the thing of nightmares with the crust of years of dried coffee spills. But he did not care so it worked for him. 

 5) Put and End to Grocery shopping without a plan. 

NOT a meal plan necessarily. That is advanced thrifting, we're talking beginner cuts. 

Here's how to make a basic plan for grocery shopping. First 2 things...

A) look at the food you have on hand. Do you really need to shop? Fresh salad greens are not a necessity so maybe you can wait a bit. Can you make 2 or 3 days of meals from what you have? If the answer is no, get more creative and think again. Still no? OK, you're a beginner. But by now you know what you have and probably have some "I can almsost make that" things in mind. 

B) MAKE A LIST.  Really.  If you can ALMOST make soup and grilled cheese sandwiches but don't have the "right" veg.  Search for a recipe that will use up that 1 cup of chopped kale you were DEFINITELY going to eat but now it's limp, that lone can of diced tomatoes with the dusty top in the back of the tupperware cupboard, and 2 half peppers in the veggie drawer (Hint...all you need is an onion).  So, "onion" goes on the list.  Those keep pretty well so knock yourself out and get a couple.  You will use them in the next "stuff about to go off soup" aka "friday night dinner from here on out".  Figure out work lunches (bag of bread, jar of peanut butter).    

Great list!  onion, bread, peanutbutter.  Good first list.  I would add "cheapest fruit I like to eat" on there.  Remember that the "cheapest" is determined by the PER POUND price, not the per piece price.  If there is a cheap price on a 3# bag of apples ...divide it by 3, compare it to the loose apples.  If it is equal or close...here is your first advanced savings tip....weigh a few of the bags.  Some will be a half to a full pound over.  That cuts the cost even more.  

As noted...veg about to go bad is good for soup. But you noticed there is no "broth" on the shopping list.  You do not "need" broth. Do you know what is in broth? BOILED VEG (and/or meat). How do you make soup? YOU BOIL VEG (and/or meat). If you want it to be even tastier, fry some of the veg first. ...oh, sorry...I mean "saute' in oil heated to a shimmer"...Just fry it a bit. When it smells good, pour in water. Boil/simmer till the veg is the texture you like or the meat is cooked enough to be safe. TA DA!!! You made soup AND broth. If you sing to yourself while you do it you just saved the price of a concert ticket too. Way to go! 

Now.. Keep up with the income/outgo tracking. Facing facts is hard but gets easier with practice.

 Later I might to a post on what to stop immediately if you have a sudden money crisis. This is more longer range planning by shaving down the budget and knowing where you are at financially. Good luck!

So...I'm Ticked at Blogger But I'm Posting Anyway

I tried to do cordwood building updates but inorder to upload a picture, blogger wanted ALL MY INFORMATION and to put it all in the cloud. I know it's already there, but I'm not ticking the "yep, I agree to be spied on" box. I'd rather be secretly spied on, apparently. ANYWAY, I like to do wierd stuff (not news). Since around here rainbows are now signs that say "Please verbally confront me in public about things you assumed inside your own head based on me wearing something that isn't camo or 'tactical'", I wear more rainbows. I don't even actually like to wear bright colors. But I do like a fight. For the next weed or more, I'm going to ROY G BIV my shirts. Monday this week I wore red. Today, orange. Tomorrow is yellow which is harder in my shirt repetoire, but I do have a vintage batik that is mostly yellow. Thursday will be green. Friday blue (that's an easy day). Next monday Indigo (not sure how I will make that different than "blue" and "violet". I may have to wear purple twice or make violet more of a lavendar (double coded day?).
I suspect, much like the winter when I picked 5 sweaters and wore them on a loop for months, no one will notice. But I will be amused and that is what counts. Sadly...no pictures will be posted due to draconian cloud requirements.

Forever Foods Instead of Forever Chemicals #6

 Forever foods instead of Forever Chemicals done so far:

1 Vinegar

2 Honey

3 Chicos 

4 Manoomin  

5 DRY Posole.

And NOW....

6 SALT

Not a source of calories but it is extremely useful.

You don't even need to keep it dry to avoid rot, though if you set it out in the rain it will disappear so...not actively wet but don't worry about humidity or a bit of damp  No temperature issues either.  Can't over heat it or freeze it too much.  If it was ground and turns into a block, you can regrind it.

It can be used to preserve other foods like meat, fish, lemons (salt preserved lemons are amazing) by packing the salt around the food in large quantities.

Salt is also excellent for fermenting foods.  You can massage or pound it into the food as with sauerkraut or kimchi, or make a bring for cucumber pickles or gingered carrots.  The salt keeps the bacteria balanced to allow lactobacilli types to dominate which ferments and actually ends up enhancing nutrients like vitamin C in the final product.  Sauerkraut can be kept over a year if properly fermented with salt.

Salt makes a diet heavy on blander storage foods more palatable to many of us.  I can now eat unsalted beans, hummus or lentil soup but a bit of salt does improve the flavor.  I don't know if that preference is part of growing up in a salt-centric food culture or a natural preference.  It doesn't really matter.  At a minimum the option to salt or not adds the potential of varied tastes/flavors to a diet based on a few available base ingredients.

Salt also changes the texture of bread.  I like the "over proofed" unsalted yeast and sourdough breads but others don't like their bread as stretchy and poofy.  It also changes the crust.  Again, I don't mind either way.

Mix salt with vinegar and you get a serious cleaning product.  I've also used salt as a scalp scrub and found it quite nice.  Course salt...not just  big old rock.  I was not rubbing my head on the salt lamp in the hippie crystal incense shop.   But now that's I've described the scenario...it sounds  hilarious so I might do that.

Another ODD product

 

EW EW EW EW EW EW EW

How is this a thing???? GROSS.

Here's the "ingredients"

There appears to be so little actual "cheese" in there that my nondairy self could eat a full can cold with a spoon and be fine...but VOMIT!

Who asked for this?  

Why is there sugar in it?

What is "cheese paste"?  I see the ingredients but why is it a paste?

What is the potassium salt doing for me?  Not keeping the sodium down which is 480/serving (1200 for me if I just eat the whole can...I give it a 9 cankle rating out of 10...salami is worse)

Is it for people who want a grilled cheese sandwich without the hassle of chewing...at all.  A grilled cheese is gummable. 

This will haunt my nightmares.

What???? Odd Product Rant

 Ok...sometimes products make me stare that them because I. DO. NOT. GET. IT!

They solve problems that don't exist.

Yesterday at the grocery store...scanning the aisles of this particular one for super cheap deals (they do that sometimes).

Once it was mirepoix at a Trader Joe's....WHY?????   Just chop an onion, carrot and some celery. The cost per lb for the prechopped was BONKERS.  

Yesterday....BAGS (like plastic single use heavy bags) for something over 6$ each.  

Bags of....  INSTANT CHIA PUDDING!   Um...what??  A 1pound bag of chia seeds costs me under 5$ and these above bags are about 2 oz of seeds and some flavorings and some odd food processed extracts and products.   There is the incredible "convenience" of putting water in the plastic bag which is designed to stand up.   And then still need to find a spoon or maybe mostly close the bag and squeeze the chia/processedstuff-sludge into my mouth.  EW!  

So...expensive, pointless and saves like NO TIME OR EFFORT.  If you need "instant" chia pudding, put chia seeds and flavors and stuff in a series of little jars (or one big jar with a scoopy thingy).  Then, when you want it, add water or whatever.   
CHIA is already INSTANT.

So, after way too long, like maybe a minute, I managed to wander off and get a good deal on some non-UPF chocolate treat that is a pain in the butt to make.  

Forever Foods Instead of Forever Chemicals #5

 Forever foods instead of Forever Chemicals done so far:

1 Vinegar

2 Honey

3 Chicos 

4 Manoomin

And now.....     

5 DRY Posole.

Related to Chicos but different.  Nixtamalized hominy (field) corn redried to very very very dry.

Like REALLY dry.

They come in multi colors because...corn.   I get them direct from the people who grow and process and dry the corn.   Just got a few more pounds to get through the year.  It comes in little tightly filled zip-top bags.  I repackage into tightly closed jars.  I have never had it go bad and have stored for a couple of years with temperatures ranging from well below freezing to about 100degsF.  I know the fluctuation in temp is not ideal but it is how I live and does not seem to affect storage at least for the first 2 years.

AND they are delicious.   Pre-soak or not and boil up.   They pressure cook nicely at 3000ft elevation.  15lbs on the cooker and for however long the other stuff in the cooker needs to cook.  If it's beans, that are less than a year from picking/drying, I presoak and precook the posole a bit.  If it's delicious smoky meat, just keep it all in there for like 30min or more.  You don't have to pressure cook.  If the woodstove is going, put a pot on in it in the morning, or the evening.  You know what, put a pot on it, some liquid to cook in.  Broth, water...maybe not vodka because it will evaporate off too fast...in the pot and then add the corn.  About half the amount you want to finish with because they will swell up. Quite a bit.  You will need maybe triple the amount of liquid compared to the starting volume of posole.  That's a MINIMUM amount of liquid.  If you are also cooking other dry food like beans, dried vegetables, whatever, ADD MORE LIQUID!!!

These, like chicos, will not cook down to mush.  I've had them in soup and reheated several times.  they sort of explode but will still require chewing.  If you want mush...eat something else.

I Bet "Frugality" Gets Popular Again. Tips for Newbies to the Spend Less Be Frugal Crowd

 What with stuff costing more.    

And our 401k's crashing and burning.  Mine hasn't recovered from the nonsense in the 90s, 2000s and 2010s.  And here we are with the 2020s debacle.  You never get back the lost compound interest.   Doesn't happen.  Lose ground. that ground stays lost at the level of investment I have.  Which is the max I can afford.

Anyway, higher prices, lower benefits.   Frugality gets popular.

The thing is, frugality or thrift ....that's a long game.  Not a short term "oh crap" strategy.  Still, may as well start in the "oh crap" moment.

So ,for the newbies ,here are places to start:

1  Use it up

2  Wear it out

3  Make it do

34  Do without

Easy!

Bit more info needed

1 Use it up.   This works in every part of life.  Vehicles/transport...run whatever you are driving IN TO THE GROUND.  Repairs are almost always cheaper than a car payment.   Food...START your meal plan in the stinky crisper drawer in the fridge.  What is about to go bad?  Can you eat it as is?  DO THAT!  Can you fry it up in an egg?  DO THAT.  Can you throw it in the Freezer Soup Container (any container in the freezer for left overs and edible scraps...when it gets full, take it out to thaw, if you have an onion or some garlic, fry that in a soup pot (if not, skip it), dump in the thawing soup (or, who are we kidding...the frozen block of soup) and heat it up.  Taste it.  If it's awful add something salty/savory (salt, Worcestershire sauce, soy sauce, etc, or sour (lemon juice, vinegar, a can of tomatoes) or some herbs (whatever is getting old in the cupboard) and try again.  If it's bland, I go for sour or a scoop of homemade mustard.  Just use your brain and whatever you have.  Also...you won't die of bland soup.  Just eat it.   For clothes...go shopping in the closet or dresser or call a friend to borrow or swap clothes for an event.  When clothes wear out, cut them up for rags and hair bands and free gardening supplies (undies elastics make great tomato plant support ties, t-shirt sleeves are really good headbands, old undies were my gramma's go-to soft polishing clothes which was gross but effective, I make gardenting and berry picking bags out of old jeans legs with a few stitches and a grommet or sewn on tab for attachment to my belt.  Books...firestarters after you drop them in the tub and dry them out but they are wrinkly.  and on and on

2  Wear it out.   Clothes...keep wearing them.  Boring...maybe.  NO ONE CARES what you wear.  If they do, they are shallow buttheads whose opinion does not matter.  Change into chore clothes if you do office work and then come home to outside work.  Vehicles....keep driving that rattle trap. USE IT UP.  When it really really croaks or you have to trade it in on a reliable rig for some reason, strip it of usable things like extra rims and tires so you can sell them separate or trade them or give them to friends who will wear them out and maybe, or maybe not, return the favor.  I gave away a car once.  The receiver loved it but it didn't work for them, they took one set of wheels for the vehicle they do drive, sold the car to a poverty stricken mechanically talented person who meshed it with other similar vehicles and hopefully came up with 1 running car.  Glasses...my godson gets his previous pair of glasses tinted as sunglasses when he gets a new pair of regular glasses.  Wears the sunglasses until they are scratched beyond usefulness.  Kitchen gear...learn to sharpen a knife.  A good knife resharpened will last generations.

3 Make it do.   I have an event coming up where Western States Business Casual is the dress code.  So I'm darkening up my black jeans and wearing my best thrifted eddie bauer shirt with some turquoise jewelry.  Good enough.   Vehicle...I have a crap truck that will haul 1/2 ton.  I need 1 ton of pressed sawdust logs for winter heat.  I found a place that will sell me the 1 ton pallet of logs for a price and let me haul it as 2 half ton loads.  It cost me 10$ more in gas, but that's 40$ less than delivery on 1 ton, AND 50$ less than buying 2 half ton mini-pallets most years.  I make do.  And I do the math (that's a more advanced tip...DO THE MATH).  Shovels...I have 4 broken shovels (because...shovels are not prybars but I am a slow learner on that).  So now I have 4 large hand scoops and I am learning to replace handles. "make it do" also means FIX STUFF.  I bust my glasses a lot as well.  Then, I bust out the superglue.  The latest triumph...lost the lense out of a favorite pair of progressive readers mid winter.  The frame broke on a snowy dark morning as I walked to the car.  The lens could be heard skittering away on the snow.  Couldn't find it so I got out the 2nd pair (they were cheaper by the pair of I bought a pair of pairs) and got on with life.  MONTHS LATER the snow thaws.  I am off the main walkway to the car one day and spot the lens!  TADA! I pocket it.  Find it again a week or so later.  Then eventually the glasses and lens are reunited with superglue (all braced in place with rubber bands off egg cartons and broccoli bought through the winter and stashed for re-use).  I glued it before I went to work so the stank would dissipate while I was gone.  It worked.  While I was at it, I glued some other stuff.   The glue was from a 5$ craft kit so basically free as I did and enjoyed the craft (see above...use it up).  

4  Do without.  Do without until you find a good deal, can borrow/trade for an item, or ...most often...figure out you didn't need that thing anyway.   E.g.  I would LOVE a cool garden shed or storage shed.  BUT, those cost money.  Or skill.  I don't want to spend on it and I have no skill.  So, the camper I used to live in is the garden shed.   Works fine.  Cost 1100$ many years ago.  I lived in it over 2 seasons for a total of about 12 months...that's cheap rent!  Then turned it into the storage shed.   Fine.  I have a friend who drinks tea every day and does not own a teapot.  She's happy with a sauce pan and pouring the water into a cup from that.  I use a teapot (bought at thrift) but have no wish for a teaball or strainer.  I just strain the tea leaves out with my teeth when I use loose leaf.   I just don't care.  Computer...my home computer is ancient.  I "make do" with my sister's dead iphones minus the simcards.  Which is also amusing when I insist I do not have a smart phone...then clearly pull one out of my pocket to use public wifi.  As for vehicles, due to lifestyle choices I would have trouble making do without owning one, but I have friends who have gone that route.  The do fine.  And live in town.  You can rent a car if you need one or borrow them.  A friend let go of his pick up when I assured him he could borrow my old beater one anytime.  Other friends lend me their rototiller.  Another and I share rental of a log splitter rather than either of us buying one.   Main point;  do not just go buy something you think you "need".

Just try all of those before you buy crap or panic.

So, there are your starter tips.  Welcome!