Getting Out of Debt By Reducing Expenses

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The last couple weeks I’ve shared bits and pieces of what FishPapa and I did to get out of debt. If you missed the first few parts, you can start at the beginning.

Once we stopped using credit cards and started listening to Dave Ramsey’s free podcast, we got into the habit of writing a new budget at the start of every month. My husband was self-employed; I was a stay-at-home mom with a very small work-at-home income; and we had five young children to care for. We saw that we had to drastically reduce our expenses if we were going to make ends meet without relying on a credit card to fill the gap. So, that summer, we got serious about our spending and cut costs wherever possible.

Find Money by Spending Less
Here are the main areas where we “found” some money by spending less.

Telephone: Like most, we looked at caller ID and call waiting as necessities we couldn’t live without. T’isn’t so, my friend. We cut beaucoup bucks off our phone bill by doing several things.

  • We eliminated all those extra services. No caller ID, no call waiting, no voice mail. {Gasp.} And it’s really okay. We bought an answering machine for $12 and screened calls that way instead of using caller ID.
  • We cut our services all the way back to basic which is about $30 a month. No more long distance. Since we already had cell phones for my husband’s business, we didn’t need long distance on our land line.
  • We kept our cell phone plan at its 500 minute level and simply learned to make our calls at times that were “free.” Was it inconvenient? A little. Did I talk to my mom or sisters as much as I wanted? No. But, with email and free weekends, it has been fine. Plus, the extra $80 in our pockets was totally worth it.

Food: Beans and rice, rice and beans, baby. It may not sound super exciting, but it’s cheap eats. We ate that meal in its various forms (burritos, tostadas, taco bowls) quite often. My kids really looked forward to the 1 or 2 nights a week that I served meat. But, everyone was healthy and I lost so much weight, I fit back into my wedding dress by the end of that summer!

For the first year of debt-fighting, I haphazardly used coupons, but then I discovered the world of online deals blogs and started to change the way I shopped. Shopping with coupons and stockpiling has reduced our expenses down to $600/month for a family of 8, eating on an extravagant level. (When things were really tight, we squeaked by on about $400/month.)

Entertainment: Again, we cut back to the bare minimum. Once we realized that we were living the high life on someone else’s money and that dinners out were going to cost us more in the long run, we stopped doing anything “extra” that cost money. At-home date nights became a regular feature in our lives. If we had a date night out, it was thanks to friends providing free babysitting and a Buy One Get One Free coupon at the local hamburger joint. Cheap dates are easier than you think.

We didn’t deprive our family of all fun and games. We just focused on the experience, rather than the expense. Books and movies are free at the library. We busted out our board games. An evening picnic at the park didn’t cost us a cent. There are all sorts of free family fun activities to do. You just need to be creative.

This wasn’t all we did to get out of debt, but these are three simple areas where most families can cut some fat in the budget.

Part 6: Increase Your Income

What do you do to reduce expenses? We’d love to hear it!
In the interest of exchanging good ideas, please do not post affiliate links, giveaways or deal posts. Instead tell us what you do to stretch your dollars a little farther. Share concepts and ideas that have helped you grow in saving money and being a better steward of your resources.

Write about your money saving tip on your blog and bring the permalink to that post here. Please make sure that you link to in your post.

If you don’t have a blog, tell us your bright idea in the comments. Can’t wait to learn some new tricks!

1. Lynn’s Kit Adv (frugal dessert)
2. Screaming Pennies (Homemade Snacks!)
3. Lenetta @ Nettacow (Make Your Own Reusable Swiffer Duster Refill)
4. Corrie @ “Cents”able Momma (Investing)
5. ElizabethG (Frugal Veggie Recipe)
6. HoosierHomemade(Breakfast Prep)
7. The Happy Housewife ~ Does Frugal = Poor?
8. Abbi @ Proverbs 31 Living (old drawers=new book shelf)
9. Valerie @ Frugal Family Fun Blog (Make Your Own Foaming Hand Soap)
10. Valerie @ Frugal Family Fun Blog (Reusable Art Mat)
11. Kara @ Home…With Purpose (Cute, Frugal Notebooks)
12. Mel @ Heart Prints (Homemade Jellies & Jams)
13. Under the big oak tree (leftover baked potatoes)
14. Under the big oak tree (Lea & Perrins coupon link) first post
15. Good (&Cheap) Eats – uses for dried bread)
16. Kitchen Stewardship (Camping Pancakes from scratch)
17. Kate @ Stolen Moments (creamy caesar chicken pasta bake)
18. Angie @ Many Little Blessings (Easy Bread and Butter Pickles)
19. Creative2xmom (2 easy household tips)
20. Alea @ Premeditated Leftovers (reusing tea bags)
21. Frugal wahm (jobs for the stay at home)
22. Saving and Giving (The Cost of Disorganization)
23. Melissa @ Frugal Creativity (dinner “out” for less)
24. Amy @ Finer Things (Enough!)
25. Debbie J @Homemaking Dreams (Yard Sales)
26. Simple Bliss (Frugal, Natural, Homemade Deodorant)
27. Molly Green @ Econobusters (Freebies)
28. Shannon (why B12 matters)
29. Will Travel by Foot (Decoupage – Refurbishing on a Budget
30. The Diaper Diaries (cut back on cable with Hulu)
31. Not the Jet Set… Saving Money in the Kitchen
32. Cents to Get Debt Free
33. Newlyweds (Homemade Playdough)
34. Sara @ Learning the Frugal Life(Plan for the Unexpected)
35. Buffie @ Never Quite Perfect (Need vs Want)
36. Coupon Saving Game (Cheap Eyeglasses!)
37. Christian Frugal Mama (Pinecone Research)
38. Autumn @ Practical Bliss (about beans & rice)
39. Parenting the Tiniest of Miracles (photo collages)
40. Always Save Manufacturer Warranties and Guarantees
41. angie @ annies home -save money on childrens clothes
42. Amy Green @ SS&GF (Chocolate Walnut Flourless Brownies)
43. Michele (Remember September 11, 2001)
44. Save on the cost of a home phone
45. Adele@ Simple Life Musings (No Spend Month Week One)
46. Jennie @ A Welcoming Heart (Fruity Rainbow Tablescape)
47. Swappin’ Spoons – 1,000 ways to Save Money – Part 7
48. Jennie @ A Welcoming Heart (Apple Wreath Redo)
49. UnfinishedMom (Teach Frugal Living)
50. Amy-Cutting Coupons in KC (Homemade Liquid Fabric Softener)
51. Janel (Product Guarantees)
52. Melissa @ Mom’s Plans (Check Your Receipts!)
53. Moms Frugal (using Goodwill to pay for Goodwill)
54. Diann @ The Thrifty Groove (Thrifty Autumn Decor)
55. Pamm @ Leftovers On Purpose (Potatoes Finale)
56. story (carpet cleaning
57. Prudent and Practical (Tofu Stir-Fry)
58. Trixie (Green Beans into Dry Beans!)
59. Niki (Digital Pics Without a Digital Camera)
60. Jen @ Happy Little Homemaker (toddler clothing basics)
61. Mother Hen (Homemade Frap.)

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About Jessica Fisher

I believe you can get great meals on the table -- and still keep that pretty smile on your face.

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  1. Hoosier Homemade says

    Another great week! Thanks for hosting!

  2. Great tips! We're following Dave Ramsey's plan right now.

  3. Jen - Balancing Beauty and Bedlam says

    It's amazing how all those little things add up to HUGE amounts long term, isn't it? 🙂

  4. dylan72986 says

    Nice blog, and congrats on effectively cutting back on your cell bill. To augment your important tips about lowering wireless costs, I wanted to add that I work in the consumer advocacy division of the company Validas, where we electronically audit and subsequently reduce the average cell bill by 22 percent through our website, Put simply, Validas guards against the frivolous and unnecessary charges that over-inflate an estimated 80 percent of cell bills. You can find out for free if can modify your plan to better suit your individual needs by going to the website.

    For more info, check out Validas in the media, most recently on Fox News at

    Good luck to everyone reading on further reducing your wireless expenses in this tough economy.

    Consumer Advocacy,

  5. Momma and the boys living on a budget says

    I agree with you on the removing caller id/call waiting we removed it almost 8 years ago and it hasn't been a problem.

  6. Great blog! We are also on Dave Ramsey's plan and have dramatically reduced our debt and will be debt free except for the house next year. Couponing and shopping the sales have been eye opening for us. We have stockpiled our food pantry/freeze at 50% of what we normally spend and have challenged ourselves to eat only what we have with the exception of buying dairy for the next two weeks. The leftover money we have in our food budget will go toward our debt. I would also add to your blog the power of prayer. God does not want us to be a slave to the lender and if we ask for help, change will come!

  7. We started our Total Money Makeover at the end of August and we've learned so much! For the first time in my life, I've written and followed a budget. Crazy that it's taken me so long!

  8. Amy Green @SS&GF says

    I am at home all day and instead of adding tons of minutes to my cell phone package I subscribed to Skype – $3 a month. It's great. The only drawback is that I have to be at my computer but there is a way to use it with a normal phone, I don't have a need for it right now b/c I am a mom to 4 dogs, not kids. 🙂

    This is my first time joining your blog carnival – I shared a brownie recipe that uses black beans instead of gluten-free flours. This is much cheaper AND it tastes great. It's also a fabulous way for moms to get healthier foods into their kids without the kids knowing. 🙂

  9. Phones take a lot of money. We actually reduced our cell phone bill by not renewing the contract when it expired. I only miss it sometimes. Especially when I have baby brain and can't remember my own phone number. We ended up getting the MagicJack. Its not for everyone, but it replaced our home phone, and for the price of a few hardware items and a home phone with multiple handsets, we pay a couple of dollars a month for our phone. Plus we still get free long distance, a huge plus since we have no family locally and my mother can talk for hours and hours.

  10. Those are great tips:-)

  11. Diann @ The Thrifty Groove says

    Wow, 90% of what you posted today are things that my hubby and I do! It's always nice to know we are doing good! LOL

  12. There are so many new blogs I'm visiting today that have great articles. Thanks for hosting! I've made the "bean brownies" that Amy from SGF is talking about. They are delish and my veggie hating hubby approved of them too 🙂 Our phone and tv bills are already low. There's a newer local company. We get phone, high speed internet, tv, and HD for about $100. I think we could do without the HD and save $10 per month, but it's football season now. I read about someone who uses coupons when stuff is on sale. I've been trying that lately and really like it. DH built a projector so we have our own movie theater. On rare occasions for that must-see movie we'll wait a month and see it at the cheap theater.

  13. Katie @ goodLife {eats} says

    No Satellite/Cabel for us. Most of our shows can be watched online at the network's website for free if we miss it during it's scheduled time.

    No long distance on our land line. I have my 5 favs with tmobile and the minimum minutes package. I can talk to my 5 favs as much as I want for FREE no matter what time or day I call.

    We eat leftovers or turn it into a new meal instead of tossing it.

    Date nights out are free with our Discover Card rewards. I know this is a bit touchy because some don't want to use credit at all, but we use our Discover for most everything (and pay it off or – at least 75% of it during months with stuff like Christmas/Bday/Back to School – every month). We get a percentage back, instead of redeeming it for cash we do it for giftcards to movies, restaurants, clothes shopping. Since you're redeeming it for their partners instead of cash they turn 40 into $50, etc. So you're actually getting more back.

  14. Christine A says

    My husband and I have been debt free (except for the home) for 9 months now. One of the things not yet mentioned that worked for us is to ORGANIZE & MINIMIZE. I went through all of the closets, drawers, shelves, etc in all of the rooms, office, & garage and organized it. We rid of all of the stuff we did not need either by giving it away or selling it on ebay/craigslist. Now, everything has a place in our house. When I am out shopping and feel the need to buy something, I ask myself, "Do I really need it? Will it be used in the next 2 weeks?, Does it have a place in our home?" If I can't answer 'yes' to the questions, then I do not buy it. Surprisingly enough, this has greatly reduced our spending. We are no longer buying things we don't need or things we already have but cannot find. Plus, this has been great for my state of mind.

  15. I am definitely going to cancel the long distance on the home phone after reading this! We just went on a camping trip which was cheap as far as vacations go, but I noticed that what made it even more econimical was sharing resources among three families. We didn't all need to own the same equipment or buy the same supplies and we also shared meals and snacks.

  16. FishMama says

    Sounds like a lot of great ideas. Thanks to everyone for chiming in. We have to beat the system in order to stay afloat. Not every "necessity" really is.

  17. Jonathan Paul says

    I recently came accross your blog and have been reading along. I thought I would leave my first comment. I dont know what to say except that I have enjoyed reading. Nice blog. I will keep visiting this blog very often.

    Thank you
    Keep blogging

  18. Thanks for the great insight, not only moms can use this, but college students needing to make every dollar count!


  19. I love all of this info on budgeting and cutting back debt! Does anyone know where I can find a good coupon blog to follow that is specific to my home town? I had one for awhile and then somehow lost track of it. Thanks!

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