and if you can’t afford to contribute monetarily, you can donate your time!
, like utilities, phone, or internet. You can also see if your ISP is offering a cheaper promotion rate, or look for a less costly phone plan. If your energy bill tends to be high in the summer, maybe invest in installing better insulation.After figuring out what your fixed bills are, take a look at other monthly expenditures. Maybe you have an exercise app that has a monthly subscription.
Groceries are an essential expense, but there are opportunities to cut back here too. Maybe you won’t miss cutting back on your seltzer habit. Look at whether you’ve been ordering more takeout lately because you’re tired of cooking all the time, and calculate how much you’d save in service fees, delivery fees, and tips if you reduced the frequency of ordering food. “Eating out is actually typically most people's largest spend,” says Shekar.
A lot of organizations allow you to set up recurring payments, but if you’re not sure where you want to be giving yet or you expect that it could vary a bit every month, consider setting up a separate savings account just for your donations. “I think bucketing your money is incredibly powerful, because it creates this fake divide of your money and it helps you understand where things are allocated,” says Shekar.
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