| Step 3: Decrease your outgo; increase your income. | |||
| Quick tips to decrease expenses | Potential | Actual | |
| Discontinue cable | $ 50.00 | $ - | |
| Do own lawn care | $ 100.00 | $ - | |
| Clean own house | $ 150.00 | $ - | |
| Discontinue DSL Internet service; use dial-up | $ 30.00 | $ - | |
| Use phone less; less phone services | $ 50.00 | $ - | |
| Find cheaper phone service | $ 20.00 | $ 20.00 | |
| Eat out cheaper (buy one entrée for 2) | $ 50.00 | $ 20.00 | |
| Bring lunch to work | $ 80.00 | $ 10.00 | |
| Reduce snacking | $ 20.00 | $ 10.00 | |
| Get rid of cell phone | $ 50.00 | $ - | |
| Downsize car | $ 200.00 | $ - | |
| Get rid of second car | $ 500.00 | $ - | |
| Use cash (saves up to 20% on food) | $ 100.00 | $ 100.00 | |
| Creative entertainment | $ 150.00 | $ 50.00 | |
| Share on gifts | $ 15.00 | $ 15.00 | |
| Shop with purpose | $ 80.00 | $ 80.00 | |
| Use coupons, buy at sales | $ 40.00 | $ 40.00 | |
| Buy less junk or stuff | $ 250.00 | $ 100.00 | |
| Sell off toys | $ 300.00 | $ - | |
| Buy generic or cost saving products (Melaleuca) | $ 50.00 | $ 50.00 | |
| Other | |||
| Total | $2,285.00 | $ 495.00 | |
| Tips for making extra money | Potential | Actual | |
| Do the neighbors lawn | $ 40.00 | ||
| Contract services (window washing, consulting) | $ 500.00 | $ 500.00 | |
| Second job | $ 500.00 | ||
| Have Melaleuca pay for household goods | $ 140.00 | $ 140.00 | |
| Other | |||
| Total | $1,180.00 | $ 640.00 | |
| Keep one credit card for expenses that require a credit card or pay for credit card | |||
| https://www.mymccard.com/a/english/index.aspx | |||