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Withinflationstill impacting everyday items, trimming unnecessary expenses now can make a big difference.
Here are key areas where families can cut back.
Other simple adjustments, like sealing drafty windows and installing a programmable thermostat can also keep costs down.
As winter looms, its the perfect time to conduct a subscription audit.
Ask yourself: Are you really using all five streaming services?
Is that gym membership still worth it if you havent stepped inside for months?
Board games, library rentals or free outdoor activities like hiking can replace expensive entertainment.
Be mindful of combining errands into a single trip, and consider carpooling with family or friends when possible.
Start budgeting now by setting a spending cap per person and opting for thoughtful gifts rather than expensive ones.
Even better, explorehomemade or DIY gift options.
Planning early can prevent credit card debt from piling up right as winter expenses hit their peak.
Instead of buyingnew coats, boots and scarves, assess your current winter wardrobe first.
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