Household Saving Tips – Manage My Money Part 5

Quick Phone / Internet / Cable Saving Tips

Are You Sure This Is The Best Deal? – In general, when I’m spending some time to work through my budget and making sure I’m doing my best to manage my money, I make a little time to go over my phone bill. It includes Internet and cell phones (I’ve completely cut out cable). Do not be afraid to get on the phone with your phone company. Check with your provider for promotions. Ask your provider if they have any new plans that could save you money on long distance, or basic service packages. Don’t be afraid to shop around and let your provider know about any deals their competitor is offering you. Because we made this call, we saved 10% a month just by bundling our three services. That’s $20 a month. Here are three quick tips.

Saving on Home and Cell Phone – Just like budgeting your money, you may need to start budgeting your minutes. I remember when money was really limited and I was starting to manage my money more responsibly. I started answering the call and asking if it was okay for me to call back in a minute or two. I’d call from a landline for free and reduce my minutes. Also, to reduce long distance charges take advantage of sending free emails or social networking sites like Facebook.

Reducing Your Internet Fees – I am an average user of Internet services. I don’t play games. I don’t download tons of movies or music. I simply email, chat and surf. So, I manage my money that’s budgeted towards Internet very well. I have forgone the fastest connection available to man and went with high speed lite. It works very well for my needs. Determine your needs and reduce the service if you can live with it. This saves me $20 a month.

Cable Is A Rip Off – I mentioned that TV isn’t too important for me. I watch local television and still get most of the popular shows. I don’t need more. Why? Because it is important for me to manage my money responsibly, I’ve taken the $30 a month and invested it towards my future. In 30 years I will have an extra $68,000 for my retirement. Small price to pay if you ask me.

This are is tough for most people because it deals with wants versus needs, and we sometimes have to develop different habits. For me, to manage my money better and end up with a greater quality of life because of the freed up cash flow, it’s worth it to take some time to budget my minutes and pare down some of these services. If you haven’t done your budget yet, you should soon. It’s of great importance. You can find some tools on google, or if you look at our ebook in the resource link you’ll find a great budget spreadsheet and other financial calculators.

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