Comments on: How to Save Money Every Month

By: Debbie F.

Debbie F. — Fri, 03 Feb 2012 15:16:01 +0000

Aisha,

Termination fee vs. monthly cell phone charges?? Chica…it’s cheaper to terminate and get hit once vs. getting hit monthly!!

By: Aisha

Aisha — Fri, 03 Feb 2012 15:00:53 +0000

Yes I agree!! Having a landline these days is MUCH cheaper than the smart phone plans. Paying for the “smart” phone plan is paying double for the same features. Why am I paying for internet on a phone when I’m at a computer all day long at work? AND pay for internet at home.

I’m coming to the realization of how much I could be saving, but is it worth paying the termination fees? Its a good “long run” decision, but I dont have the “short term” cash…

By: LJ

LJ — Sat, 28 Jan 2012 03:55:40 +0000

If you get paid once a month, why not divide up your take-home pay and proceed as if you were being paid twice a month? (Be your own paymaster, in other words.) Divide your net pay in half. Put half into savings and LEAVE IT ALONE until the 2nd half of the month. Act as if it were not even there. Let me try to illustrate: Say you get paid on the 1st of the month and your take-home pay that month is $3,000. Put $1500 in checking, $1500 in savings. Pay half of your bills on the 1st out of the $1500 in checking. Whatever is left is spending money. On the 16th of the month, move the 2nd $1500 to checking, pay the other half of your bills, and whatever is left is spending money. I don’t know how tight your finances are right now, but you should be trying to put something — ANYTHING — into a 2nd savings account out of each paycheck, and this savings account you don’t touch. You might even consider using a different bank for it so you get used to it being inaccessible. It’s really savings! If you have to start out putting $10 out of each $1500 into this savings, OK, do it! But try to increase it as you can; they say “pay yourself first” which means savings. I hope this helps.

By: percy

percy — Sun, 01 Jan 2012 18:07:20 +0000

You have an income problem not a budgeting problem my friend. You just need to make more money.

By: CJ

CJ — Sat, 24 Dec 2011 22:20:44 +0000

I totally agree. I’m glad I now have a land line. I think wireless providers charge way too much for phone service today, especially if you get the “smart” phone package.

~ CJ, Low Insurance

By: Wise One

Wise One — Fri, 23 Dec 2011 15:58:45 +0000

That is dumb. All water is recycled. It’s called evaporation and precipitation. The amount of water on earth never decreases. Wash your car at home, using a moderate amount of water and detergent. You will use much less of both than a carwash. And washing a car is good, free exercise.

By: Nse victor

Nse victor — Fri, 11 Nov 2011 17:11:19 +0000

I really need your advice please. I bought a car for $5,000 few months back and it has been giving me troubles and has cost me another $1200 for repairs. Now, i am tired of further spending and wants to put it for sale.
what would be the right price for this car? I need your advices please. thanks.

By: SJChicky

SJChicky — Wed, 09 Nov 2011 17:00:20 +0000

Ok…here’s the BIG question…

How do I switch cell phone carriers to eliminate the $110 monthly bill WITHOUT getting hit with a early termination fee??

I’m purchasing a home and I NEED to cut my cell phone down BUT I need internet access since I run an at-home business; I’m an Avon lady where I earn about $300+ a month. I already receive a discount with my cell phone carrier ’cause of my working with the local school district, but I still have $100+ bill.

H E L P.

Please advise.

By: I'mJustSayin'

I'mJustSayin' — Sun, 09 Oct 2011 20:33:55 +0000

My adult daughter was visiting and asked me what I was getting for my local cable bill monthly (cable and internet). Then she called the cable company and negotiated more stations (almost triple what I had) for less than I am paying now, including the converter box rental.

Seems my account was “grandfathered” and the prices dropped a lot since then due to local competition. New customers of today were getting a far better deal than the customers of yesterday.They weren’t going to call and inform me I as overpaying. When my daughter said I was willing to drop my service, they opened up all the lower priced tiers to me.

A word of caution, I had to pick up and install the converter box myself . They charged me on the next bill for self installation, than charged me when I couldn’t get all the stations and a tech had to come out (seems there was a default filter on the line I could not remove). I called the cable company and insisted they remove BOTH charges and they did. I also had them remove other junk charges and the erroneous extra converter box I was charged for in error on my bill.

After the aggravation and inconvenience, the monthly bill is actually $7 less than what I was paying before. My husband is delighted with the extra sports channels.

By: NM.Mom

NM.Mom — Sun, 09 Oct 2011 19:40:57 +0000

We live in an area with many Indian casinos and they all have generous rewards programs for locals. Due to our age, we get additional discounts and promotions mailed to us (free entertainment, free hotel stays, free food). We certainly don’t go out of our way, but when passing by, we will stop in for the DAILY “$10 off a restaurant meal or free buffet” [with coupon printed at the kiosk]. No purchase require. We often take-out food from the deli home (ample portions that feed both of us) for lunch the next day then grab a few free bottled waters. They have so many cheap daily specials (e.g., Sunday & Monday night football appetizer specials; $9.99 prime rib dinners; M-F $3.00 breakfast buffets; $7.77 Monday night fancy buffet; etc. ) that we double up the savings even more.

The sister property 5 minutes away has the same promotion @ their kiosk too, so we grab additional take-out meals there. We don’t even park the car, just run in, print, purchase and leave.

We travel a great bit for business and pleasure. When we anticipate a vacation, we buy an Entertainment coupon book by mail beforehand. We track our purchases using the coupons and get a kick out of the total savings [after we recoup the book cost].