If you find yourself having to live on less these days, you are not alone. While this may not comfort you, there are some things you can do that will make the most of your income and relieve some of the stress. The hardest part about change is the adjustment that goes with it. Gather your bills together and get started.

There are some things you can change right away that will reduce your monthly bills. Utilities can always be reduced. By simply turning off lights when not in use, using the dishwasher once it is full, having shorter showers and lowering the thermostat, you will find that your utility bills can be drastically reduced.

Basic cable today offers more than the standard thirty channels that existed years ago. Basic cable also offers the option to watch on-demand movies, and even a free movie channel where you can select a movie to watch. If you cannot afford on demand, there are several places that offer rentals for just a couple of dollars, or even cheaper.

Bringing your lunch to work is a great way to keep your pocketbook full and your expenses low. Shop the weekly fliers for grocery sales and plan your meals accordingly. Take leftovers, when available to work to avoid wasting food.

When it comes to food shopping, be prepared. Set aside an amount ample to cover your food and stick to it. Generic products give you the same quality but at a fraction of the cost, allowing you to really stretch your dollar. So get that Sunday paper, clip those coupons and do check the stores and the sales that are going on. There is a lot of competition going on right now, so use it to your advantage.

Credit Cards were designed for unexpected expenses and convenience, but now that most banks offer a debit card with a Visa/MasterCard logo, the convenience has been removed. Look over your credit card debt and review your monthly bill there are probably a lot of items that you can do without purchasing. If you have several cards, keep only one or two for emergencies and cancel the rest.

Surviving on a low budget does not have to interfere with your quality of life. Whatever your circumstance, whether it be temporary or permanent, these tips should give you a chance to utilize your resources to the fullest.