- 1). Cut down your housing costs. This may mean moving to a cheaper rental, selling your home and downgrading, or renting out a room in your current home. If you decide to move, factor in things like driving distance to work, places you need to visit often and school arrangements for your children. Check into government resources geared toward homeowners facing hardship. For example, the Arizona Foreclosure Prevention Innovation Fund assists homeowners who've previously demonstrated personal responsibility and are facing hardship from divorce.
- 2). Streamline your budget. Revisit your monthly budget and look for areas where you can reduce spending. Replace extracurricular activities that were previously affordable on two incomes with cheaper or free alternatives that may be available through local community programs. Eliminate "budget-busters" like coffeehouse lattes, manicures and pedicures, and frequent restaurant meals.
- 3). Reduce utility costs. This could mean switching companies if possible, to get cheaper deals. Invest as finances allow in energy-saving devices like energy-efficient lightbulbs and take measures within your home to reduce water usage. Call your utility companies to learn about options for reducing utility costs. For example, according to the California Public Utilities Commission, eligible households can receive discounted electric and natural gas bills through California Alternate Rates for Energy (CARE).
- 4). Look for extra income opportunities. Take advantage of any increase in spare time you may have to put in some more work hours. If you have children, you could use some of the time they're away with the other parent to work overtime. Don't overlook hobbies and special skills you have that could bring in extra cash.
- 5). Take advantage of bargains when shopping. Forum sites like Totally Frugal and WeUseCoupons.com are valuable sources on information for living frugally. Use coupons when paying for your groceries and shop the sale racks for clothing. To enjoy local luxuries, treats and various services at affordable prices, snag up deals on places like LivingSocial and Groupon at highly discounted prices.
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