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    Article courtesy of GreenPath(TM), a partner of ECU, offering ECU members access to free and confidential financial wellness counselors and resources. 


    Reducing Expenses to Achieve Your Goals

    Achieving your financial goals sometimes requires you to make adjustments to your family budget.  Quite often, making changes to the expense side of the budget can generate the biggest results in the shortest period of time.  Remember, it’s not how much you earn in your lifetime, but how much you spend that can keep you from achieving your goals.

    If you have a financial goal in your life, take a look at your spending as a way to save the money to achieve that goal.  The exercise below can help.


    Can Your Family:



    Reduce grocery expenses



    Cut down on meals out



    Cut back on cable or telephone services



    Perform regular home maintenance



    Find less expensive housing



    Do your own repair jobs



    Eliminate hired help inside the home



    Use utilities and household supplies more carefully



    Avoid buying new home furnishings unless needed



    Consider used furniture



    Select easy-care household fabrics and appliances



    Spend less for clothing and personal care



    Cut down on trips to beauty shop or barber shop



    Purchase a more economical car



    Cut down on vacation travel



    Use public transportation



    Cut down on expensive hobbies or activities



    Take advantage of free activities



    Make use of the public library instead of subscriptions and purchased books



    Use public recreational facilities



    Reduce contributions or make them proportionate to income



    Give fewer gifts or spend less on gifts



    Cut back on face value of life insurance to lower your monthly premium



    Adjust tax withholdings to get more out of each paycheck



    List some of your own ideas for cutting expenses










    Need help with your financial goals?  As a member of ECU, you can take advantage of the GreenPath Financial Wellness program, a free financial education and counseling program.  GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this service, simply call 1-877-337-3399 or visit them on the web at www.greenpath.com.

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