Telephone Bills

Day 10

Get Rid of your Telephone

Did Alan Trump really just say get rid of my telephone? Yes, I did just tell you to do that. When I mean is get rid of your landline. There is no reason to pay for more than one phone. Everyone now of days has a cell phone. Why would you need a landline when you already have a cell phone that is by your side all day long? Here is what you need to do right after you get rid of that landline.

Step 1- Check with all the providers of cell phones in your area. Make sure that you get a cell phone provider that has good service. There is no need to get a cell phone that doesn’t receive or let you making outgoing calls.

Step 2- Do not get a phone that is going to have more options than you need. If you aren’t going to text on your phone there is no need to be paying for this feature.

Step 3- Review how many minutes you use on your plan. If you aren’t using anywhere close to the amounts of minutes that are required consider getting a new plan that fits your needs.

Step 4- Don’t let the cell phone company take advantage of you. All of these companies are making you get plans that last for two years. Consider getting a plan that you can cancel at any time without a fee.

I hope that this article has helped you some. Just remember that you can save a lot of money just by selecting the cell phone provider that best fits your needs.

Budget your Money

Day 1 & 2

I just want to get you started on a brief overview of many ways to start saving your money. This is what you should start doing the first 2 days.

1.      Budget your Money

a.      Of all 31 days, this is the most important! The only way to start saving money is to learn how to budget your money. This is going to be the most difficult thing ever for you, it sure was for me. You need to write down every single thing that you spend money on. This includes that cup of coffee that you bought before going into work.  Write down everything!

b.      I suggest that if you know how to use Microsoft Excel that you make a spreadsheet to help you organize your expenses. If you aren’t that experienced with excel just write down your expenses with a pencil and notebook. Just remember to write down every expense! Categorize everything, that way you can learn how much you spend on everything.

c.      You will be surprised how much money you spend on unnecessary items. I learned that I spend roughly around 15 dollars a week on soda and snacks. Fifteen dollars a week times 52 weeks equals $780. Think about that, $780 a year that I could’ve been saving or spending on something that is more important like the bills.

 

2.      Start Cooking at Home

a.      This is one of the easiest ways to start saving money. It doesn't matter if you are a college student, an adult, or a teenager you can start saving money by eating at home instead of spending a fortune for someone else to cook your food. Many people don't realize how much they spend eating out at fast food restaurants. Actually I was just like you, I always ate fast food.

b.     A friend of mine brought it to my attention how much I ate out. I decided to just keep all the receipts from the places I ate at for just one week. I was amazed when I added up the total of all those receipts. ($23.40) Thats how much I could've still had in my pocket!!!