When money is tight, it is crucial to implement a plan to reduce expenses. A few years ago, I was diagnosed with a thyroid illness and couldn’t work full-time for three years. With young children at home, we had to make major lifestyle adjustments, and I often wished I had better guidance on how to cut costs. If you’re looking to reduce spending in 2025, here are some practical strategies that worked for us:

Create and Stick to a Budget

Tracking expenses and setting financial goals can help identify areas to cut back. Budgeting tools like EveryDollar made it easier for us to stay on track.

Cancel Unused Subscriptions

Small, forgotten subscriptions can add up fast. Regularly reviewing and canceling services you no longer use—like streaming platforms or gym memberships—can save a surprising amount each year. Apps like Rocket Money can help track and cancel subscriptions with just a tap.

Lower Utility Costs

Simple changes, like using energy-efficient appliances, sealing drafts, and adjusting your thermostat, can reduce utility bills over time. Small savings in multiple areas add up to big results.

Helpful Resources (available at your local library!)

• The Total Money Makeover Updated and Expanded: A Proven Plan for Financial Peace: This book offers a proven plan to eliminate debt, save, and build lasting wealth.

• Get Good with Money: Ten Simple Steps to Becoming Financially Whole: is a bestselling guide that offers a practical ten-step plan to achieve financial security, build wealth, and create lasting financial wholeness.

By making small, intentional changes, you can take control of your finances and start saving more in 2025!