Financial Management Resources:
Strategies to Reduce Expenses


Prevent Food Waste

  • Cut down on the amount of food you throw away.
  • Freeze leftovers or use them in recipes like soups or casseroles.
  • Take leftovers for lunch instead of eating out.
  • Buy only the amount of food you can store and use before it spoils.

Plan Ahead

  • Plan meals around items that are on sale, especially costly items like meat and fish.
  • Write foods on list as they run low.
  • Cook large batches when possible; divide into portions and freeze.

Spending Wisely

  • Use coupons only for foods you would normally buy & if a cheaper store brand is not available.
  • Buy a larger package only if the unit price is cheaper (check shelf label) and if you will use it all before it goes bad.
  • Buy store brands
  • Plan meals around items that are on sale, especially costly items like meat and fish.
  • Select canned and frozen foods when they are cheaper than fresh; avoid foods with added salt or sugars.


  •  Lower your speed.
  • Reduce stops and starts.
  • Use the most fuel efficient vehicle you own.
  • Be cautious of going into debt for a newer auto.
  • Coordinate errands, carpool.
  • Use public transportation when possible

Banking and Bill Paying

  • Online bill pay reduces paper/postage costs.
  • Use direct deposit to save on fees.
  • Automated withdrawals may save you money.
  • Avoid using payday loans and cash advance.

Doing Things Together for Less

  • Spend time together at the park.
  • Go for hikes or bike rides.
  • Go for a family picnic.
  • Go swimming at the local pool, lake, ocean or springs.
  • Take advantage of free programs offered by the library, museums, and community bands or orchestras, or other free community events.
  • Check out books, music and videos for free from the library.
  • Have a family game night.
  • Rent or borrow movies, pop some popcorn, and have a family movie night at home.
  • Bake or cook together as a family.
  • Read stories to one another.
  • Go on evening walks together.