How I Keep My Expenses Low

How I Keep My Expenses LowWhat’s going on everyone? I hope all is well with you. Things are going pretty good on my end. I’m still on a FinCon high. I’m excited about some of the things that I have planned.

Since I’ve been on this journey to debt freedom, I’ve done two things. They are looking for ways to increase income and keeping my expenses low. Today, I will be sharing with you seven ways that I keep my expenses low.

No Car Note

I haven’t had a car note in a few years. I’ve saved hundreds of dollars because of that time. I’m currently driving a 1996 Toyota 4 Runner. It’s not the best ride, but it gets me from point A to point B. I’ve had this vehicle for a little over three years. I plan on keeping it for a few more months until I can purchase something newer with cash.

Low Rent

I live in a city literally two minutes from Atlanta. I caught a steal when I moved into my one bedroom apartment. Believe it or not, I only pay $625 per month. Water and gas is included. This is perfect for someone like me who is paying down their debt. My apartment seems like it’s getting smaller because I’m buying more items to sell on eBay. I eventually plan on moving into something bigger, but for right now I have to continue the sacrifice.

Unplug Things

This might be a little crazy to some people, but I don’t care. I unplug certain things like that TV’s, toaster and phone chargers when I’m not using them. That saves me a little money. For the last year, my Georgia Power bill has averaged $52. I’ll take that any day. I’ve had months where I only had to pay $29. You can’t beat that. If you’ve considered unplugging some things, do it.


I still have cable. Honestly, I don’t see myself getting rid of it anytime soon. I don’t watch a lot of TV, but I LOVE my sports. I’m not into streaming sports every day. Sometimes the signal isn’t the best, and it also lags. With cable, I don’t have to worry about those problems. One thing I never purchased and probably never will is a DVR. There’s nothing that I’d want to record. In my opinion, a DVR is a waste of money. If there’s a show or something that you miss, you could probably find it online within a week or two.

Cable & Internet

I don’t bundle my cable and internet, but I still get great deals. I’m paying under $120 for both of them combined. Every six months, I call them and ask if they have any discounts or anything. Since I’ve been a long time customer, they are able to knock a little bit off of my bill. If they say no, I threaten to go to a competitor. These companies don’t want to lose business. They will give you a discount.


I don’t spend that much on clothing and shoes. I haven’t purchased any new shoes in a year. Every few months, I may get a shirt or some jeans. I do need a couple of new items, but I’m focused on getting rid of this debt. The clothes can wait.


Back in the day, I used to go out to eat several times per week. Some days I’d go out for lunch and dinner. Now, I cook a lot more. It’s saved me a lot of cash over the past few years. I take my lunch to work on most days, so I’m not spending $20 – $30 per week like I used to.

Those were seven ways that I keep my expenses low. They have worked for me for a few years now. If you incorporate a couple of them, they may work for you as well.

What are some ways you keep your expenses low?

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  1. One of the best ways I found to keep a lid on expenses is to keep track of everything. It may seem like a hassle, but the brain plays tricks on us when it comes to spending money and eating food (I also use this tactic and keep a food diary when I want to maintain or lose weight). We get “spending amnesia.” There’s just something effective about the act of writing an expenditure down or entering it somewhere, and having a record of it. Plus, it helps when tax time comes!