Originally posted by buzzstpoint
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+2
before I filed, I called everyone of my monthly bills (Even the credit cards. They were no help)
Like my cable.. We were paying 145 per month, we cut back, now were down 85 per month. Be persistent. The gal on the phone told me there were no options to lower my bill.. I told her Then cancel the whole plan. Low an behold, serviced were able to be dropped, and by bill lower. Cell bill, I pay 177 per month, Dropped my wife's internet plan, and I will downgrade to a cheaper phone soon and remove my data plan. That will save us 35 there. In just 2 phone calls. I saved 95 bucks a month.
It's hard at 1st, you have to separate luxury from necessity. I used to hit the bar every Friday. That's 40 bucks a week there. I haven't been out in 6 months. Substitute the digiorno pizza for a handful of Ramen. It wont be like that for long... Just until we get a grasp on a different way of living.
You may have read it 1000 times out there and never followed it.. Sit down and write out were every cent goes. Right down to the 60 cent candy bar or the 4 dollar Starbucks. Once you see where all your cash goes, you'll be able to budget and change your habits... Our vice was dining out. I love food, and love to eat out.. 6 months ago, I'd probably drop 1/2 a paycheck on eating out every month.. Maybe more. We still eat out, but we are selective where we go, and how many times we go.
Here's an example, We love this Italian place in town. When I take the family there I'll drop 80 bucks on the meal. Do we go there still? Yeah... But differently.. My wife and I will go to the Wendys next door, then walk over to the Italian place and have a Creme brulee (her favorite). Just cut our 80 dollar meal down to 25.
before I filed, I called everyone of my monthly bills (Even the credit cards. They were no help)
Like my cable.. We were paying 145 per month, we cut back, now were down 85 per month. Be persistent. The gal on the phone told me there were no options to lower my bill.. I told her Then cancel the whole plan. Low an behold, serviced were able to be dropped, and by bill lower. Cell bill, I pay 177 per month, Dropped my wife's internet plan, and I will downgrade to a cheaper phone soon and remove my data plan. That will save us 35 there. In just 2 phone calls. I saved 95 bucks a month.
It's hard at 1st, you have to separate luxury from necessity. I used to hit the bar every Friday. That's 40 bucks a week there. I haven't been out in 6 months. Substitute the digiorno pizza for a handful of Ramen. It wont be like that for long... Just until we get a grasp on a different way of living.
You may have read it 1000 times out there and never followed it.. Sit down and write out were every cent goes. Right down to the 60 cent candy bar or the 4 dollar Starbucks. Once you see where all your cash goes, you'll be able to budget and change your habits... Our vice was dining out. I love food, and love to eat out.. 6 months ago, I'd probably drop 1/2 a paycheck on eating out every month.. Maybe more. We still eat out, but we are selective where we go, and how many times we go.
Here's an example, We love this Italian place in town. When I take the family there I'll drop 80 bucks on the meal. Do we go there still? Yeah... But differently.. My wife and I will go to the Wendys next door, then walk over to the Italian place and have a Creme brulee (her favorite). Just cut our 80 dollar meal down to 25.
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