Just found out that the entire staff here is going to eventually be mandated to cut back to 3 or 4 days a week. Management included and we'll be paid for the 4 days a week. The first quarter forecast is really ugly.
Anyway, that means I'm taking a 20% pay cut. Now, we've been careful to not get in over our heads. We've got a small mortgage and I pay a little extra on it every month. I can back that off to the actual payment only. We've got hubby's Explorer payment which is too much, but not really high. I'm just very opposed to any car payment. Can't do much about that. He's got to have an SUV as he can't get into a car anymore because of his back and he's got the kids, so he needs more room than a truck. So selling the Explorer and paying cash for something cheaper isn't an option. And we'd probably only break even selling it anyway, which wouldn't leave any money for another vehicle. So, stuck there.
We can let the cleaning people go. I'll just have to chip in and help out more. And if I'm going to be home 3 days a week I might as well be doing that anyway.
We've cut back as much as we can with the pets. I dropped their food to grocery store brands which killed me. We're not taking in any more rescues which kills me, but what can we do? We couldn't properly care for them right now anyway, so it wouldn't be fair.
We're fortunately down to just the 2 girls; the other 5 kids have finally moved on. We have one that may wind up coming back in the spring, but the others seem to be settled where they are. So that saves us a fortune on food and utilities.
The girls are sharing the big bedroom downstairs so we don't have to heat upstairs. We're having the cable moved to that room (which we'd planned on doing anyway since we're turning it into a library) so they just heat that one room. The dogs (with the exception of my daughter's chihuahua) are in our room with us. Her dog is in the room with her at night and with us in the day, so we don't heat the living spaces. No sense in it.
Should mention - we don't have central heat and air. Just a window A/C unit in the summer and space heaters in the winter. Last winter having to heat the entire house cost us over $600 a month. So it should be a pretty decent savings only heating smaller spaces.
My commute to work is 2 hours each way. Can't do anything about that. The car is pretty good on gas and I'll only be making the trip 4 times a week. Other than that, can't change anything there.
So, other than what I've mentioned, and the obvious (cutting back on the types of food we eat, not eating out, etc) do you guys have any suggestions on other ways to save some money until we get past this crunch?