4 Things You Can Do Without in Your Budget


Budgeting is a valuable skill everyone should learn. It can help you better manage your money and put more into valuable savings accounts for emergencies or upcoming major expenses. If you’ve come up a bit short or are looking for ways to cut back, there are some common expenses you can consider doing without.

Eating Out

Cooking at home is both cheaper and healthier for you than eating out, providing you two useful benefits for trimming this expense from your budget. Instead of eating out at work, you can bring a boxed lunch from home that is likely to be a much more balanced meal. Save eating out for special occasions. Even small, cheap meals like fast food can add up in cost quickly.


Many forms of entertainment are expensive and can be done without, especially when there are free or lower-cost options available. Paying for cable in particular is an expense you can easily avoid. You can instead turn to a streaming service or two to watch all the TV you want. You can check out books, movies and CDs from your local library for free and you can search for free live music performances as well. You may discover some amazing new artists by looking outside the mainstream.


It’s nice to get out every once in a while but spending too much money on vacations can be a mistake. This is especially true if you invested in a vacation option like a timeshare that you rarely use. If this is the case, you can look into selling your timeshare with timeshare exit options. There are likely some amazing places near where you live that you may never have been to before as well. Consider smaller trips that will be cheaper or less frequent vacations. Be sure to save specifically for them too.

A New Car

Cars depreciate in value very quickly. It is almost always more economical to buy a used car and therefore save significant amounts of money on car payments, interest and insurance premiums over time. Many people trade in their used cars after only a few years, so you can easily find a used car that is in good shape and will last you for eight years or more. If you live in a city, consider using public transportation instead of owning a car to save even more money. It’s better for the environment too.

Budgeting is a science as well as an art. You need to look at your lifestyle and means carefully in order to find expenses you can really do without. Cutting things out of your budget that you don’t need or use and putting that money into savings instead will put you in a much better financial position.

Rachelle Wilber is a freelance writer living in the San Diego, California area. She graduated from San Diego State University with her Bachelor’s Degree in Journalism and Media Studies. She tries to find an interest in all topics and themes, which prompts her writing. When she isn’t on her porch writing in the sun, you can find her shopping, at the beach, or at the gym. Follow her on Twitter and Facebook: @RachelleWilber.

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