chalk piggy bank found here.
on my last post i shared with you that we need to be putting away an extra $600 in to our loan principle each month.
just a few things we've done to find that magical number:
called comcast and threatened to leave because of the high cost. payment dropped from $100 for internet/cable to $70 savings=$30
fine tuned our phone bill with att. i was going over on my texts each month (oops!) resulting in $20+ in fees. we are paying $5 a month more for texts and lowered our minutes. savings=$40
we were paying $100 a year for xbox live to stream our instant netflix. little did i know that xbox is the only gaming console that requires a subscription service. we're thinking about getting apple tv which is a ONE time price and then free after that. future savings=$100 a year
packing our lunches every day we work and making our own coffee. savings=$100+
we automatically withdraw $50 a week in to savings. savings=$200
total savings a month with minor changes= $380
we also have a way 2 save account which fluctuates based on how much we use our debit cards.
i just ordered dave ramsey's total money makeover and smart couples finish rich per your suggestions. i used my reward points to pay for them. we're trying to make our credit card work for us. we have a gold card with american express and we put all of our mandatory bills on there so that we automatically get points for things we would be paying for regardless. the trick is just making sure to pay them off every month.
are you liking these money school posts?