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	<title>Comments on: Can you make cuts in your budget?</title>
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	<description>living simply and moving abroad</description>
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		<title>By: Sunday Link Love &#124; Ultimate Money Blog- Save Green and Live Green!</title>
		<link>http://movetoportugal.org/makecutsinyourbudget/#comment-1548</link>
		<dc:creator>Sunday Link Love &#124; Ultimate Money Blog- Save Green and Live Green!</dc:creator>
		<pubDate>Sun, 17 Jan 2010 23:43:42 +0000</pubDate>
		<guid isPermaLink="false">http://movetoportugal.org/?p=1452#comment-1548</guid>
		<description>[...] -Can You Make Cuts in Your Budget? @ Move To Portugal [...]</description>
		<content:encoded><![CDATA[<p>[...] -Can You Make Cuts in Your Budget? @ Move To Portugal [...]</p>
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		<title>By: Move to Portugal</title>
		<link>http://movetoportugal.org/makecutsinyourbudget/#comment-1542</link>
		<dc:creator>Move to Portugal</dc:creator>
		<pubDate>Sun, 17 Jan 2010 10:06:33 +0000</pubDate>
		<guid isPermaLink="false">http://movetoportugal.org/?p=1452#comment-1542</guid>
		<description>@ Money Funk thanks for the link Christine; interesting stuff</description>
		<content:encoded><![CDATA[<p>@ Money Funk thanks for the link Christine; interesting stuff</p>
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		<title>By: Money Funk</title>
		<link>http://movetoportugal.org/makecutsinyourbudget/#comment-1538</link>
		<dc:creator>Money Funk</dc:creator>
		<pubDate>Thu, 14 Jan 2010 16:41:18 +0000</pubDate>
		<guid isPermaLink="false">http://movetoportugal.org/?p=1452#comment-1538</guid>
		<description>BTW, since emptying my closet... I find that I miss having a broader selection to chose from. I think I would be fine, personally, as I love to wear my jeans. But professionally, I am limited and am beginning to feel like I am on constant replay with chosing the same, limited selections. LOL. So, I have started thrifting once again. Love it! $15 buys me quite a bit - small happiness. :)
.-= Money Funk&#180;s last blog ..&lt;a href=&quot;http://www.moneyfunk.net/daily-grind/iphone-vs-blackberry-did-i-get-the-wrong-phone/&quot; rel=&quot;nofollow&quot;&gt;iPhone vs Blackberry: did I get the wrong phone?&lt;/a&gt; =-.</description>
		<content:encoded><![CDATA[<p>BTW, since emptying my closet&#8230; I find that I miss having a broader selection to chose from. I think I would be fine, personally, as I love to wear my jeans. But professionally, I am limited and am beginning to feel like I am on constant replay with chosing the same, limited selections. LOL. So, I have started thrifting once again. Love it! $15 buys me quite a bit &#8211; small happiness. <img src='http://movetoportugal.org/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /><br />
<span class="cluv"> Money Funk&#180;s last blog ..<a href="http://www.moneyfunk.net/daily-grind/iphone-vs-blackberry-did-i-get-the-wrong-phone/" rel="nofollow">iPhone vs Blackberry: did I get the wrong phone?</a> <span class="heart_tip_box"><img class="heart_tip" alt="My ComLuv Profile" border="0" width="16" height="14" src="http://movetoportugal.org/wp-content/plugins/commentluv/images/littleheart.gif"/></span></span></p>
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		<title>By: Money Funk</title>
		<link>http://movetoportugal.org/makecutsinyourbudget/#comment-1537</link>
		<dc:creator>Money Funk</dc:creator>
		<pubDate>Thu, 14 Jan 2010 16:26:14 +0000</pubDate>
		<guid isPermaLink="false">http://movetoportugal.org/?p=1452#comment-1537</guid>
		<description>Have you read Sharon&#039;s blog @ &lt;a href=&quot;http://midlifemommusings.blogspot.com/2010/01/penny-saved-is-penny.html&quot; rel=&quot;nofollow&quot;&gt;Musings of a Midlife Mom&lt;/a&gt;. She recently quit her job to find an incredible amount of money saved by her not working. Might be a good read as she is in the same boat. 

Glad to hear you are cooking. :) Have you checked out &lt;a href=&quot;http://crockpot365.blogspot.com/&quot; rel=&quot;nofollow&quot;&gt;A Year of Slowcooking&lt;/a&gt;? Fabulous and easy recipes. I&#039;ve tried a few recipes myself. 

As for myself, I really need to get back into cooking. I just can&#039;t seem to get back on schedule since the holidays. LOL.
.-= Money Funk&#180;s last blog ..&lt;a href=&quot;http://www.moneyfunk.net/daily-grind/iphone-vs-blackberry-did-i-get-the-wrong-phone/&quot; rel=&quot;nofollow&quot;&gt;iPhone vs Blackberry: did I get the wrong phone?&lt;/a&gt; =-.</description>
		<content:encoded><![CDATA[<p>Have you read Sharon&#8217;s blog @ <a href="http://midlifemommusings.blogspot.com/2010/01/penny-saved-is-penny.html" rel="nofollow">Musings of a Midlife Mom</a>. She recently quit her job to find an incredible amount of money saved by her not working. Might be a good read as she is in the same boat. </p>
<p>Glad to hear you are cooking. <img src='http://movetoportugal.org/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' />  Have you checked out <a href="http://crockpot365.blogspot.com/" rel="nofollow">A Year of Slowcooking</a>? Fabulous and easy recipes. I&#8217;ve tried a few recipes myself. </p>
<p>As for myself, I really need to get back into cooking. I just can&#8217;t seem to get back on schedule since the holidays. LOL.<br />
<span class="cluv"> Money Funk&#180;s last blog ..<a href="http://www.moneyfunk.net/daily-grind/iphone-vs-blackberry-did-i-get-the-wrong-phone/" rel="nofollow">iPhone vs Blackberry: did I get the wrong phone?</a> <span class="heart_tip_box"><img class="heart_tip" alt="My ComLuv Profile" border="0" width="16" height="14" src="http://movetoportugal.org/wp-content/plugins/commentluv/images/littleheart.gif"/></span></span></p>
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		<title>By: Trish</title>
		<link>http://movetoportugal.org/makecutsinyourbudget/#comment-1535</link>
		<dc:creator>Trish</dc:creator>
		<pubDate>Thu, 14 Jan 2010 12:55:26 +0000</pubDate>
		<guid isPermaLink="false">http://movetoportugal.org/?p=1452#comment-1535</guid>
		<description>Oh-Ho!  Good topic.  I&#039;m always thinking of ways to cut the budget.  The only clothing I&#039;ve bought this past year was underwear (trust me, I really needed it).  We don&#039;t have cable, magazine subscriptions, we don&#039;t eat out.  We&#039;ve also stopped our weekly trips to the bakery that were costing us 4-6 euros a pop.  Now I make our cookies, cakes and bread from scratch.  We tried living without the heater too--but my in-laws came to stay and I had to turn it on then!  Eventually, you kind of run out of saving options, don&#039;t you? 

But I really liked your idea on looking for the best possible interest rates for savings--I&#039;ve been completely overlooking a chunk of our savings that is getting no interest at all--it adds up, after all.  

The only-rewards type thing I do is for frequent flyer miles--but I hardly use my credit card (except to buy the occasional plane ticket).  It&#039;s something to look into.
.-= Trish&#180;s last blog ..&lt;a href=&quot;http://simplelifeinfrance.wordpress.com/2010/01/13/pulling-pumpkin-soup-out-of-the-cupboards-this-weeks-dark-days-challenge/&quot; rel=&quot;nofollow&quot;&gt;Pulling pumpkin soup out of the cupboards: this week’s dark day’s challenge.&lt;/a&gt; =-.</description>
		<content:encoded><![CDATA[<p>Oh-Ho!  Good topic.  I&#8217;m always thinking of ways to cut the budget.  The only clothing I&#8217;ve bought this past year was underwear (trust me, I really needed it).  We don&#8217;t have cable, magazine subscriptions, we don&#8217;t eat out.  We&#8217;ve also stopped our weekly trips to the bakery that were costing us 4-6 euros a pop.  Now I make our cookies, cakes and bread from scratch.  We tried living without the heater too&#8211;but my in-laws came to stay and I had to turn it on then!  Eventually, you kind of run out of saving options, don&#8217;t you? </p>
<p>But I really liked your idea on looking for the best possible interest rates for savings&#8211;I&#8217;ve been completely overlooking a chunk of our savings that is getting no interest at all&#8211;it adds up, after all.  </p>
<p>The only-rewards type thing I do is for frequent flyer miles&#8211;but I hardly use my credit card (except to buy the occasional plane ticket).  It&#8217;s something to look into.<br />
<span class="cluv"> Trish&#180;s last blog ..<a href="http://simplelifeinfrance.wordpress.com/2010/01/13/pulling-pumpkin-soup-out-of-the-cupboards-this-weeks-dark-days-challenge/" rel="nofollow">Pulling pumpkin soup out of the cupboards: this week’s dark day’s challenge.</a> <span class="heart_tip_box"><img class="heart_tip" alt="My ComLuv Profile" border="0" width="16" height="14" src="http://movetoportugal.org/wp-content/plugins/commentluv/images/littleheart.gif"/></span></span></p>
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		<title>By: Mizé</title>
		<link>http://movetoportugal.org/makecutsinyourbudget/#comment-1534</link>
		<dc:creator>Mizé</dc:creator>
		<pubDate>Thu, 14 Jan 2010 05:29:47 +0000</pubDate>
		<guid isPermaLink="false">http://movetoportugal.org/?p=1452#comment-1534</guid>
		<description>Hi Laura,
Ambitious goals for 2010! I think you´ll achieve them all easily if you concentrate on them, one at the time. 
I´m trying to cut expenses too, specially eating out and unnecessary stuff. I will spend a bit on home improvements but they´re necessary, specially my kitchen floor and painting. I haven´t done any home improvements in ten years, lol. 
I´m craving for new bedsheets and summer bed-covers plus new curtains. 
It won´t be easy to reduce my spending on clothes. With less 10 Kg nothing fits me anymore, only recent items I bought. When summer arrives, I´ll need new clothes both for me and my daughter. 
We don´t have many cash-back or coupons opportunities here in Portugal (I wish we had) but I´m doing my best to use all coupons (of items I use)  I can get and take advantage of good promotions. 
I´ll have vacations from 16 to 28 February. I´m thinking about using a few days to unclutter my flat, also sooo necessary. 
I just added your link to my blog &quot;Mizé Journey&quot; blogroll. I hope it´s Ok with you. 
Warm hugs, Mizé.
.-= Mizé&#180;s last blog ..&lt;a href=&quot;http://www.mizej.com/2010/01/mize-journey-topics.html&quot; rel=&quot;nofollow&quot;&gt;Mizé Journey Topics&lt;/a&gt; =-.</description>
		<content:encoded><![CDATA[<p>Hi Laura,<br />
Ambitious goals for 2010! I think you´ll achieve them all easily if you concentrate on them, one at the time.<br />
I´m trying to cut expenses too, specially eating out and unnecessary stuff. I will spend a bit on home improvements but they´re necessary, specially my kitchen floor and painting. I haven´t done any home improvements in ten years, lol.<br />
I´m craving for new bedsheets and summer bed-covers plus new curtains.<br />
It won´t be easy to reduce my spending on clothes. With less 10 Kg nothing fits me anymore, only recent items I bought. When summer arrives, I´ll need new clothes both for me and my daughter.<br />
We don´t have many cash-back or coupons opportunities here in Portugal (I wish we had) but I´m doing my best to use all coupons (of items I use)  I can get and take advantage of good promotions.<br />
I´ll have vacations from 16 to 28 February. I´m thinking about using a few days to unclutter my flat, also sooo necessary.<br />
I just added your link to my blog &#8220;Mizé Journey&#8221; blogroll. I hope it´s Ok with you.<br />
Warm hugs, Mizé.<br />
<span class="cluv"> Mizé&#180;s last blog ..<a href="http://www.mizej.com/2010/01/mize-journey-topics.html" rel="nofollow">Mizé Journey Topics</a> <span class="heart_tip_box"><img class="heart_tip" alt="My ComLuv Profile" border="0" width="16" height="14" src="http://movetoportugal.org/wp-content/plugins/commentluv/images/littleheart.gif"/></span></span></p>
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		<title>By: Shoestring</title>
		<link>http://movetoportugal.org/makecutsinyourbudget/#comment-1533</link>
		<dc:creator>Shoestring</dc:creator>
		<pubDate>Wed, 13 Jan 2010 19:22:15 +0000</pubDate>
		<guid isPermaLink="false">http://movetoportugal.org/?p=1452#comment-1533</guid>
		<description>I made my biggest cuts in much the same ways you&#039;ve talked about -cutting unnecessary spending, meal planning/making things from scratch and getting better deals on the utility type bills that you just can&#039;t avoid. Great post - I always love seeing how other people are going about organising things. It spurs me on so thank you!
.-= Shoestring&#180;s last blog ..&lt;a href=&quot;http://shoestringalley.wordpress.com/2010/01/13/making-a-meal-of-it/&quot; rel=&quot;nofollow&quot;&gt;Making a meal of it&lt;/a&gt; =-.</description>
		<content:encoded><![CDATA[<p>I made my biggest cuts in much the same ways you&#8217;ve talked about -cutting unnecessary spending, meal planning/making things from scratch and getting better deals on the utility type bills that you just can&#8217;t avoid. Great post &#8211; I always love seeing how other people are going about organising things. It spurs me on so thank you!<br />
<span class="cluv"> Shoestring&#180;s last blog ..<a href="http://shoestringalley.wordpress.com/2010/01/13/making-a-meal-of-it/" rel="nofollow">Making a meal of it</a> <span class="heart_tip_box"><img class="heart_tip" alt="My ComLuv Profile" border="0" width="16" height="14" src="http://movetoportugal.org/wp-content/plugins/commentluv/images/littleheart.gif"/></span></span></p>
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		<title>By: Tony</title>
		<link>http://movetoportugal.org/makecutsinyourbudget/#comment-1532</link>
		<dc:creator>Tony</dc:creator>
		<pubDate>Wed, 13 Jan 2010 16:57:52 +0000</pubDate>
		<guid isPermaLink="false">http://movetoportugal.org/?p=1452#comment-1532</guid>
		<description>Nice post. As you say there are two main changes that can be made - earn extra income and make budget cuts. I really think people need to concentrate on the latter before tackling the former. The reason is that most people when they get extra income automatically spend more - which is why such people always seem to struggle no matter how much their income is! :)

I&#039;ve got to the point where it&#039;s difficult to cut my budget further, but it&#039;s a tradeoff. For example I might save some money by growing my own vegetables, but the time spent on that represents an opportunity cost. For some activities it&#039;s worth it - for example I do all my own painting and decorating, but some activities are just not worth it. You also need to throw in how much you like the activity too. Some people get a lot out of growing their own vegetables for example, nothing wrong with that.

These days I tend to focus on the &quot;earning extra income&quot; side of things. The emphasis so far being on increasing skills, setting up side businesses, and earning a higher salary in my &quot;day job&quot;. That&#039;s worked fairly well for me so far.</description>
		<content:encoded><![CDATA[<p>Nice post. As you say there are two main changes that can be made &#8211; earn extra income and make budget cuts. I really think people need to concentrate on the latter before tackling the former. The reason is that most people when they get extra income automatically spend more &#8211; which is why such people always seem to struggle no matter how much their income is! <img src='http://movetoportugal.org/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<p>I&#8217;ve got to the point where it&#8217;s difficult to cut my budget further, but it&#8217;s a tradeoff. For example I might save some money by growing my own vegetables, but the time spent on that represents an opportunity cost. For some activities it&#8217;s worth it &#8211; for example I do all my own painting and decorating, but some activities are just not worth it. You also need to throw in how much you like the activity too. Some people get a lot out of growing their own vegetables for example, nothing wrong with that.</p>
<p>These days I tend to focus on the &#8220;earning extra income&#8221; side of things. The emphasis so far being on increasing skills, setting up side businesses, and earning a higher salary in my &#8220;day job&#8221;. That&#8217;s worked fairly well for me so far.</p>
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		<title>By: mo</title>
		<link>http://movetoportugal.org/makecutsinyourbudget/#comment-1531</link>
		<dc:creator>mo</dc:creator>
		<pubDate>Wed, 13 Jan 2010 14:03:54 +0000</pubDate>
		<guid isPermaLink="false">http://movetoportugal.org/?p=1452#comment-1531</guid>
		<description>well the hub is now freelance.  and our car is a write off.  I guess the commute and car expenses are off our list!
.-= mo&#180;s last blog ..&lt;a href=&quot;http://get-stuff-done.blogspot.com/2010/01/grump-over.html&quot; rel=&quot;nofollow&quot;&gt;grump over&lt;/a&gt; =-.</description>
		<content:encoded><![CDATA[<p>well the hub is now freelance.  and our car is a write off.  I guess the commute and car expenses are off our list!<br />
<span class="cluv"> mo&#180;s last blog ..<a href="http://get-stuff-done.blogspot.com/2010/01/grump-over.html" rel="nofollow">grump over</a> <span class="heart_tip_box"><img class="heart_tip" alt="My ComLuv Profile" border="0" width="16" height="14" src="http://movetoportugal.org/wp-content/plugins/commentluv/images/littleheart.gif"/></span></span></p>
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		<title>By: Frugal Trenches</title>
		<link>http://movetoportugal.org/makecutsinyourbudget/#comment-1530</link>
		<dc:creator>Frugal Trenches</dc:creator>
		<pubDate>Wed, 13 Jan 2010 11:22:01 +0000</pubDate>
		<guid isPermaLink="false">http://movetoportugal.org/?p=1452#comment-1530</guid>
		<description>Awesome post! I think it is such a great reminder about how the little things add up!
.-= Frugal Trenches&#180;s last blog ..&lt;a href=&quot;http://notesfromthefrugaltrenches.com/2010/01/13/brought-to-my-knees/&quot; rel=&quot;nofollow&quot;&gt;Brought To My Knees&lt;/a&gt; =-.</description>
		<content:encoded><![CDATA[<p>Awesome post! I think it is such a great reminder about how the little things add up!<br />
<span class="cluv"> Frugal Trenches&#180;s last blog ..<a href="http://notesfromthefrugaltrenches.com/2010/01/13/brought-to-my-knees/" rel="nofollow">Brought To My Knees</a> <span class="heart_tip_box"><img class="heart_tip" alt="My ComLuv Profile" border="0" width="16" height="14" src="http://movetoportugal.org/wp-content/plugins/commentluv/images/littleheart.gif"/></span></span></p>
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