My hours just got cut in half. I was on salary and making commission. I was told I would be given my regular salary and commission back when things picked up, but there's no guarantee that will happen anytime soon. I guess what I'm asking for is any advice in cutting my bills in half. I've got some pretty pricey car insurance and can ride my bike to work or use public transportation. Would that be cheaper? I've got four months left on my lease so I can't move somewhere cheaper without being hit with a pretty hefty fee. I've also got quite a bit in credit card debt. What should I do?!

Could you get another sales job during the hours you have freed up?

Re cutting bills - make a great big list of all your outgoings, and then it's a question of going through them one at a time to see if you can reduce them. eg for gas, electic and water, go to one of those comparison sites to see if you can get a cheaper rate.

Also, go through all your receipts - lots of spending is unconscious, - a magazine here, a cup of coffee there, and you can lose a lot of money on the small purchases when you total it up. But when you are aware what you are doing, it's easier to cut back, just through being conscious about what is happening.

Yeah, I agree with listing everything, because that same thing happened to me. I found I was spending too much on things that not only cluttered my home but...I could have gotten for free (library) or gotten used if I really needed it...

what about your tax refund? and if you pay quarterly try to adjust it since you are going substantially lower

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