There are several things to handle with no increase in salaries.
Here are some hints:
Take coffee from home,saving 40$ a month
Brown bag lunches for you and your spouse.
$200 a month
Cut back on cable services,dropped all HD/ON
Demand features due to increased premiums,
and have only extended basic,savings about
$140 a months.
Get rid of your SUV and get a small car,this
will save you about $160 a month.
If you have a motorcycles as much as possible
in fair weather to save on gas.
Instead of vacation,do day trips to save on
hotel expenses.
If you have an IRA do not contribute too much.
You probably need the cash every week.
If your still young,hopefully that this will
turn around in a couple of years.
So,what financial sacrifices are you going to
made.
Write a blog on this.Tell us how you are going
to cut back and ideas that you may have there.
Poor You.