Are you still paying for a land line AND cell phone service? If so, it’s time to ditch the land line.
Per-minute cellular telephone rates have been dropping for years now and most of us don’t even come close to fully using our allotted minutes each month.
And since most cellular providers have plans that offer free night and weekend calls, there are now few good reasons to keep the land line. Even with a bundled package from your cable or telephone provider, you are probably looking at a savings of at least $40 a month. More »
Cable television is expensive but it doesn’t have to be. When most of us signed up for our cable service, we spoke with a sales representative who convinced us that we were getting the deal of the century on the 300 channels we signed up for. She made it seem like we NEEDED seven HBO channels and six Cinemax channels. And then there’s all those sports channels, cooking channels, basket weaving channels, all kinds of channels. More »
Most of us have anywhere from five to 25 bills being automatically paid from our checking accounts or credit cards. This is great because it prevents us from paying our bills late but it’s also easy to lose track of who is actually withdrawing money from our checking accounts or charging our credit cards each month.
A good way to save money during a recession is to spend an hour or two going through your statements and making a list of all the companies who are automatically billing you and how much they are taking out of your account. More »
A great money to save money during a recession (or anytime) is to pay yourself first.
What does this mean? It means you take 10% of your after-tax income and save it, preferably using dollar cost averaging in an equity index fund. You do this before making your budget or paying your other bills and you do it every time you get paid. More »
