
Sarah emailed in the following tip:
If there was a dollar bill lying on the ground in front of you, would you just step over it and keep going, or would you stop and pick it up? It seems like a no-brainer, right?
Wrong. Let me tell you how my family was spending over $800 a year that we didn’t need to. That was “free” money that we were just walking right past every single day. It all started when I was complaining about my cell phone bill to my brother… When I told him how much my husband and I pay per month, he remarked that the amount seemed way too high for the services we were receiving.
Upon a close inspection of my bill, he was right! For example, we were paying $6.99 per month for insurance on my husband’s phone, which was eligible for a free upgrade in 3 months. It didn’t make sense that we had paid $6.99 for 9 months already for coverage that was only worth $50.
The phone bill was just the start. Once I realized that there could be ways to cut charges, I attacked all our other monthly bills. Here’s how I saved:
Phone Bill: Downgraded texting & voice plan to one that reflects our actual usage. Amount Saved: $10/month
Landline Bill: We eliminated this altogether after we realized we didn’t use or need it. Amount Saved: $35/month
Cable Bill: Got rid of second receiver for a TV on the third floor that we rarely use. Amount Saved: $10/month
Newspaper Delivery: Switched from daily to weekend only. My husband gets a paper delivered to his classroom everyday, so instead of discarding it at the end of the day, he brings it home. Amount Saved: $7/month
Movie Service: Cancelled Netflix. You can read why here. Amount Saved: $4.99/month
Lesson learned: Even though I consider myself a pretty frugal gal, I couldn’t believe how much extra money I “found” just by looking over the bills and making some easy adjustments that don’t affect our quality of life.
These small changes add up to $887 per year!!











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When you’re working toward financial goals, you’re almost guaranteed to have unexpected things come up: job loss, extra expenses, cars that break down, medical bills, and more. It’s easy to get discouraged and want to give up when it seems like the going is so slow. But press on and remember that moving forward–even at a microscopic rate–is still moving forward!







