45. Save $50-$100 per month – Learn you children and your loved one to be (more) frugal too

Learn your children to become (more) frugal too, including your loved one. If they cut down on spending or spend smarter or shop smarter or have them find ways to save money, you will easily save $50-100 per month on the family budget. It also doesn’t make sense if you are a frugal guy and your girlfriend spends it all. Learn to be savers, you whole family and learn them the value of money and have them enjoy building up savings instead of debt.

Buy children’s toys at discount stores like Big Lots — they get lots of items at deep discounts. Also, use Dealtaker.com to shop around if there is one particular item a child really wants.

Talk to your loved ones about what your dreams are. This seems like an odd way to save money, but think about it. If you spend time with the people you love the most and come to some consensus about your dreams, it becomes easy for you all to plan for it. If you’re all planning and working together towards this dream, it becomes easier to stay focused on it and reach it. Set a big, audacious goal together and encourage each other to be financially fit – soon, you’ll find you’re doing it naturally and your dreams are coming closer than ever.

Limited ourselves to 1 child. Cheaper that way. Do not need Suburban or minivan.

Ask for help and encouragement from your inner circle. Sit down and talk to the people you love and care about the most and ask them for help. Tell them that you’re trying to trim your spending and you’d love it if they offered any suggestions and support they might have – and pay attention to what they tell you. They might have some personal insights for your situation that will really help.

Stay married. I know that some marriages end because of abuse and other extreme circumstances. “Isn’t marriage about love”, you ask. Sometimes. “You don’t know my situation”, you say. True. But I lived through the emotional and financial pain of two divorces as a child, and I’ve been married to the same woman for more than 19 years, so I know plenty. Am I telling you not to get a divorce? Of course not. I am telling you that divorce will wreck your finances and your spouse’s finances. If you do separate try to finance the divorce settlement with a bank loan, so your assets, like your house are not sold for great loss. Never marry without prenuptial agreement if you are wealthy.

Also check out idea nr. 17: $$ Save $250+ per month (per child) – Reduce the cost of activities with children

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