{"id":635,"date":"2021-11-15T04:15:54","date_gmt":"2021-11-15T12:15:54","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=635"},"modified":"2023-07-22T15:23:44","modified_gmt":"2023-07-22T22:23:44","slug":"the-4-biggest-ways-to-stretch-your-income-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id635-the-4-biggest-ways-to-stretch-your-income-2.html","title":{"rendered":"The 4 Biggest Ways to Stretch Your Income"},"content":{"rendered":"

\"\"<\/a>The other day I was talking to an acquaintance who shall remain nameless. Anyway, he was lamenting that he couldn’t find enough discretionary income for an annual family vacation.<\/p>\n

I found that fascinating considering Eddie (oops!) drives a brand new BMW and lives with his family of four in a modest Southern California neighborhood.<\/p>\n

Of course, life is all about choices.<\/p>\n

Eddie may be upset that he can’t afford to take the wife and kids to Hawaii or Yellowstone, but that’s his opportunity cost<\/a> of tootling around town in a brand new luxury car — so he gets no sympathy from me.<\/p>\n

Needless to say, guys like you-know-who are always<\/em><\/strong> looking to stretch their income. Frankly, we all<\/em><\/strong> are to some degree. Here are four of the biggest ways:<\/p>\n

Buy a used car<\/strong><\/p>\n

There are plenty of luxury car owners who struggle to pay their bills<\/a>.<\/p>\n

Experian found that the average monthly car payment last year was $576<\/a>. Now, according to this handy paycheck calculator<\/a>, a family of four living in California with an annual household income of $60,000 receives $4616 per month after withholding state and Federal taxes. So two car payments would consume 25% of the household’s monthly income, leaving roughly $3400 for the rent or mortgage, plus the groceries, utilities and other bills — not to mention discretionary spending, and retirement savings.<\/p>\n

Good luck with that.<\/p>\n

Nobody understood the financial benefits of used cars<\/a> better than my dad, who brought home a very modest salary when I was growing up. He saw the folly of driving a new Mercedes to the grocery store each week only to be left with just enough cash in his wallet to buy store-label pork & beans for dinner — which is why he always did his due diligence and only bought affordable, well-maintained, used cars that he kept for many years.<\/p>\n

Eat at home<\/strong><\/p>\n

Speaking of pork & beans … Dining out is expensive. My household spends an average of five times more money per meal when dining out compared to eating at home.<\/p>\n

Eating breakfast at home, brown bagging your lunches<\/a> whenever possible, and reducing restaurant trips can free up lots of spare income, folks. And if you want to stretch your food budget even more, don’t toss those leftovers<\/a>! My family saves $1700 annually by eating them at least once per week.<\/p>\n

Refinance your home loan<\/strong><\/p>\n

I’ve refinanced my home loan six times since 1997, dropping my monthly mortgage payment each time. The last time I refinanced I was interested in ensuring I had the lowest payments possible, so I not only refinanced to a lower interest rate, but I also extended the loan term from 15 to 30 years<\/a>.<\/p>\n

What are the results of all that refinance activity?<\/p>\n

Well, my initial mortgage payment in 1997 was roughly $1450. Today it’s $480. That’s almost $1000 in additional monthly income.<\/p>\n

Downsize to a smaller house<\/strong><\/p>\n

Let’s face it, a lot of people out there end up buying more house than they realistically need or can afford, putting undue strain on the pocketbook. For those times when refinancing isn’t a viable option, you can always consider downsizing to a smaller home.<\/p>\n

True, that may seem a bit drastic. But if you’ve already cut your expenses to the bone and you still<\/em><\/strong> find it difficult to make ends meet, then drastic times call for drastic measures.<\/p>\n

Besides, people downsize all the time. In fact, last night the Honeybee and I were watching an episode of House Hunters<\/em><\/a> where this middle-aged couple was looking to trade their very large old house for a smaller “green” home.<\/p>\n

“I like these two. They’re practical!” I said to the Honeybee.<\/p>\n

“Really? In what way?” she asked.<\/p>\n

“Well, now that their kids are off to college,” I said, “they’re selling their big old house so they can downsize into something more appropriate. It’s a win-win; they exchange their old over-sized home for a brand new smaller house — and they get to pocket the difference too!”<\/p>\n

Soon after, I began choking on the cupcake I was eating when the narrator announced that the couple was in the market for a 3500 square-foot McMansion. With solar panels, of course.<\/p>\n

“So much for being green,” the Honeybee snickered — although I wasn’t sure if she was laughing at me or the couple on the screen.<\/p>\n

“Or practical,” I answered, before regaining my composure and mumbling, “I wonder if they know Eddie.”<\/p>\n

“Who?”<\/p>\n

“Never mind.”<\/p>\n

And with that, I grabbed myself another cupcake.<\/p>\n

Photo Credit: m anima <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

The other day I was talking to an acquaintance who shall remain nameless. Anyway, he was lamenting that he couldn’t find enough discretionary income for an annual family vacation. I found that fascinating considering Eddie (oops!) drives a brand new BMW and lives with his family of four in a modest Southern California neighborhood. Of […]<\/p>\n","protected":false},"author":1,"featured_media":44691,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[480,466],"tags":[],"class_list":{"0":"post-635","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-frugal-living","8":"category-saving","9":"pmpro-has-access","10":"entry"},"yoast_head":"\nThe 4 Biggest Ways to Stretch Your Income<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id635-the-4-biggest-ways-to-stretch-your-income-2.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The 4 Biggest Ways to Stretch Your Income\" \/>\n<meta property=\"og:description\" content=\"The other day I was talking to an acquaintance who shall remain nameless. 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