31 Days To Fix Your Finances, Day 9: Cleaning Up Your Expenses
Today we are supposed to evaluate our expenses with an eye toward cutting them down.
Honestly, there is nothing I'm willing to cut down or out. We've cut to the bone on most items. The only thing that is significant is our cable bill with is cable and internet and we got so much out of it, I can't see cutting it out and there's no real way to cut it down (darn packages that make you pay for channels you won't watch just because you want to get another channel).
The examples are:
Conserve energy by installing energy efficient items like CFLs, programmable thermostats, and intelligent power strips.
Buy fewer books by spending more time at your local library.
Buy less music by listening to music in your collection that you’ve never spent the time to appreciate.
Buy fewer clothes by selecting items that go well with much of the rest of your wardrobe.
Eat out less by buying a good cookbook that starts out at a beginner’s level and stocking your kitchen well.
Reduce insurance by calling your insurance carrier and looking at raising your deductible.
Reduce your credit card payments by calling your credit card company and requesting a reduction in your interest rate.
Reduce your bank fees by looking into no-fee or low-fee options at your bank - or at other banks.
Reduce your cable bill by eliminating unwatched premium channels or looking at other basic package options - or even consider eliminating it altogether.
Reduce your car payments by ending the leasing cycle and buying late model used cars instead.
We've already done all of this, a long time ago. I think they're good tips, they just don't apply to us right now.