Comments on: Drop One Expense RIGHT NOW | Community Insight http://motivatethyself.com/drop-one-expense-right-now-community-insight/ Your Freedom Depends On It! Wed, 08 Feb 2012 16:24:03 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Eric Hamm http://motivatethyself.com/drop-one-expense-right-now-community-insight/#comment-1410 Eric Hamm Wed, 21 Jan 2009 12:50:19 +0000 http://motivatethyself.com/?p=2215#comment-1410 @PizzaForADream.com: "...we’re one month away from being completely out of debt and will save $200 a month in credit card payments." Congratulations! That's great. @Patricia: I hear ya. Sometimes in life we have to spend more and sometimes we can cut back. I like the 50% energy cut back idea a lot. I think this is something that could make a huge difference in more than just our bank accounts. Thanks for you thoughts and I hope you find your way to that happy place of more time AND more money. Or at least more time without losing money. Life's just too short to not enjoy the time we have. I know YOU know this. Eric @PizzaForADream.com: “…we’re one month away from being completely out of debt and will save $200 a month in credit card payments.” Congratulations! That’s great.

@Patricia: I hear ya. Sometimes in life we have to spend more and sometimes we can cut back. I like the 50% energy cut back idea a lot. I think this is something that could make a huge difference in more than just our bank accounts. Thanks for you thoughts and I hope you find your way to that happy place of more time AND more money. Or at least more time without losing money. Life’s just too short to not enjoy the time we have. I know YOU know this. Eric

]]> By: Patricia http://motivatethyself.com/drop-one-expense-right-now-community-insight/#comment-1411 Patricia Wed, 21 Jan 2009 07:07:33 +0000 http://motivatethyself.com/?p=2215#comment-1411 I am busy adding expenses right now....feels kind of hard to do and yet easy? My Internet and Phone have been up and down for the month and that makes working hard - I have to switch to the only other provider and that is $1 less a month, but I had to switch my cellphone up in minutes to drop the overcharges of my daughter's over use. We also got her a blackberry with a plan which will cut the $15 a month tutor fees to get her verbal assignments to her computer and due dates on her calendar. I bought a Kindle and now I have cut the cost of books dramatically, but the books are the library are free - just they don't have most of what I need???? I have no magazines I do get one movie a month from Netflix so I can watch on line the free ones We finally got a TV and the only service we could get, because of ocean currents etc, is very basic cable for $15.00 a month which goes to $25.00 a month for HD service basic on Feb. 17th I bought each of my 3 daughters designer jeans for Christmas, because I thought they should each have one pair. Daughter #2 took her money and put it towards Grad School needs. This was fine with me... We have cut back so much over the years and we grow lots of our own food.....so we were relaxing a bit with our own needs...and adding a few wants. We still need to pay 1.5 quarters of all expenses for youngest s college...just took a pay cut to keep everyone employed at our office. We are extremely frugal and careful we were able to refinance our house at a much lower rate at the credit union - in progress and that will save us $500 a month. Our goal is to take the Architecture2030 challenge and drop out energy usage 50%....we are at 21% now but the bills don't go down because the rates go up... Good idea - lots of work...nice post <abbr><em>Patricia’s last blog post..<a href="http://patriciaswisdom.com/2009/01/doctor-doctor-are-you-listening/" rel="nofollow">Doctor, Doctor are you Listening?</a></abbr></em> I am busy adding expenses right now….feels kind of hard to do and yet easy? My Internet and Phone have been up and down for the month and that makes working hard – I have to switch to the only other provider and that is $1 less a month, but I had to switch my cellphone up in minutes to drop the overcharges of my daughter’s over use. We also got her a blackberry with a plan which will cut the $15 a month tutor fees to get her verbal assignments to her computer and due dates on her calendar.
I bought a Kindle and now I have cut the cost of books dramatically, but the books are the library are free – just they don’t have most of what I need????
I have no magazines
I do get one movie a month from Netflix so I can watch on line the free ones

We finally got a TV and the only service we could get, because of ocean currents etc, is very basic cable for $15.00 a month which goes to $25.00 a month for HD service basic on Feb. 17th

I bought each of my 3 daughters designer jeans for Christmas, because I thought they should each have one pair. Daughter #2 took her money and put it towards Grad School needs. This was fine with me…

We have cut back so much over the years and we grow lots of our own food…..so we were relaxing a bit with our own needs…and adding a few wants.

We still need to pay 1.5 quarters of all expenses for youngest s college…just took a pay cut to keep everyone employed at our office. We are extremely frugal and careful

we were able to refinance our house at a much lower rate at the credit union – in progress and that will save us $500 a month.

Our goal is to take the Architecture2030 challenge and drop out energy usage 50%….we are at 21% now but the bills don’t go down because the rates go up…
Good idea – lots of work…nice post

Patricia’s last blog post..Doctor, Doctor are you Listening?

]]> By: PizzaForADream.com http://motivatethyself.com/drop-one-expense-right-now-community-insight/#comment-1412 PizzaForADream.com Wed, 21 Jan 2009 06:51:41 +0000 http://motivatethyself.com/?p=2215#comment-1412 We've done several things. First, we cut off the cable tv and Tivo serivice a couple of months ago and saved $60 a month. Surprisingly we haven't missed it and are able to get many shows online these days for free. Second, we dropped the collision coverage on our 2 cars as it's not worth it a this point. Third, we're one month away from being completely out of debt and will save $200 a month in credit card payments. Things just keep on getting gooder and gooder! <abbr><em>PizzaForADream.com’s last blog post..<a href="http://feeds.feedburner.com/~r/PizzaForADream/~3/514517318/please-tip-your-pizza-delivery-driver-theyre-unsung-heroes-of-the-pizza-industry.html" rel="nofollow">Please Tip Your Pizza Delivery Driver, They're Unsung HEROES of the Pizza Industry</a></abbr></em> We’ve done several things. First, we cut off the cable tv and Tivo serivice a couple of months ago and saved $60 a month. Surprisingly we haven’t missed it and are able to get many shows online these days for free. Second, we dropped the collision coverage on our 2 cars as it’s not worth it a this point. Third, we’re one month away from being completely out of debt and will save $200 a month in credit card payments.

Things just keep on getting gooder and gooder!

PizzaForADream.com’s last blog post..Please Tip Your Pizza Delivery Driver, They’re Unsung HEROES of the Pizza Industry

]]> By: Eric Hamm http://motivatethyself.com/drop-one-expense-right-now-community-insight/#comment-1426 Eric Hamm Tue, 20 Jan 2009 14:20:06 +0000 http://motivatethyself.com/?p=2215#comment-1426 @Emma: I totally understand what you saying here. Life shouldn't be all about necessity, ALL THE TIME. We need our little treats here and there. If there's nothing to look forward to, than what's the point, right?! It sounds like you've already weeded out much of the clutter in your life. Good for you! :-) Eric @Emma: I totally understand what you saying here. Life shouldn’t be all about necessity, ALL THE TIME. We need our little treats here and there. If there’s nothing to look forward to, than what’s the point, right?! It sounds like you’ve already weeded out much of the clutter in your life. Good for you! :-) Eric

]]> By: Emma http://motivatethyself.com/drop-one-expense-right-now-community-insight/#comment-1425 Emma Tue, 20 Jan 2009 14:16:10 +0000 http://motivatethyself.com/?p=2215#comment-1425 [The Simpsons] I'll start smoking and give that up! [/The Simpsons] I've thought about this many times in the past months. I considered giving up my Country Living Magazine, which costs me €48 per year, but then I decided not to because that's something I look forward to every single month and many months it's my major for-pleasure expense (€4). I had a very hard time finding those regular 'out of the pocket' expenses to give up this time. I haven't always. I did give up buying fruit smoothies and history magazines on my out of town chore outings (they always get long, since I save them all up for one day since travel is expensive)! <abbr><em>Emma’s last blog post..<a href="http://eydimork.com/the-mind-beyond-the-brain" rel="nofollow">The mind beyond the brain</a></abbr></em> [The Simpsons] I’ll start smoking and give that up! [/The Simpsons]

I’ve thought about this many times in the past months. I considered giving up my Country Living Magazine, which costs me €48 per year, but then I decided not to because that’s something I look forward to every single month and many months it’s my major for-pleasure expense (€4).

I had a very hard time finding those regular ‘out of the pocket’ expenses to give up this time. I haven’t always. I did give up buying fruit smoothies and history magazines on my out of town chore outings (they always get long, since I save them all up for one day since travel is expensive)!

Emma’s last blog post..The mind beyond the brain

]]> By: Eric Hamm http://motivatethyself.com/drop-one-expense-right-now-community-insight/#comment-1431 Eric Hamm Mon, 19 Jan 2009 14:10:03 +0000 http://motivatethyself.com/?p=2215#comment-1431 @Juliet: Thanks, Juliet! What a great bunch of ideas. :-) @Barbara: I'm with you there. I'm always turning off the lights as I leave a room and even dropping the head a notch a two when possible. And yes, maintenance is a great way to save money in the long run. A little here, a little there is much cheaper than any kind of repair bill. Eric @Juliet: Thanks, Juliet! What a great bunch of ideas. :-)

@Barbara: I’m with you there. I’m always turning off the lights as I leave a room and even dropping the head a notch a two when possible.

And yes, maintenance is a great way to save money in the long run. A little here, a little there is much cheaper than any kind of repair bill. Eric

]]> By: Barbara Swafford http://motivatethyself.com/drop-one-expense-right-now-community-insight/#comment-1430 Barbara Swafford Mon, 19 Jan 2009 08:15:56 +0000 http://motivatethyself.com/?p=2215#comment-1430 Hi Eric - This is something I constantly do, especially with our business expenses - insurance, cell phone bills, fuel, etc. At home I have switched out most of our light bulbs for the efficient ones, turn off lights behind me, turn down the heat a degree or two and grab a sweater instead, keep my car tuned up so I'm not wasting gas, run errands in circles so I don't backtrack, etc. Most things aren't huge savings by themselves, but when I add them up, the annual savings can be huge. <abbr><em>Barbara Swafford’s last blog post..<a href="http://bloggingwithoutablog.com/they-dont-have-to-be-einstein-to-figure-it-out/" rel="nofollow">They Don’t Have To Be Einstein To Figure It Out</a></abbr></em> Hi Eric – This is something I constantly do, especially with our business expenses – insurance, cell phone bills, fuel, etc. At home I have switched out most of our light bulbs for the efficient ones, turn off lights behind me, turn down the heat a degree or two and grab a sweater instead, keep my car tuned up so I’m not wasting gas, run errands in circles so I don’t backtrack, etc.

Most things aren’t huge savings by themselves, but when I add them up, the annual savings can be huge.

Barbara Swafford’s last blog post..They Don’t Have To Be Einstein To Figure It Out

]]> By: LifeMadeGreat | Juliet http://motivatethyself.com/drop-one-expense-right-now-community-insight/#comment-1429 LifeMadeGreat | Juliet Mon, 19 Jan 2009 06:16:48 +0000 http://motivatethyself.com/?p=2215#comment-1429 Hi Eric There are always better deals out there - especially now that customers are in short supply. Change insurance contracts, medical etc. Also, often it is cheaper to combine contracts if you are married. Also, check out the best way of minimising bank charges (not cheap in South Africa) Loyalty scemes can help sometimes. These options can actually reduce your monthly budget for good - even after the bad patch is over. Juliet <abbr><em>LifeMadeGreat | Juliet’s last blog post..<a href="http://feeds.feedburner.com/~r/LifemadegreatBlog/~3/515654128/would-you-choose-to-be-immortal" rel="nofollow">Would You Choose To Be Immortal?</a></abbr></em> Hi Eric

There are always better deals out there – especially now that customers are in short supply.
Change insurance contracts, medical etc.
Also, often it is cheaper to combine contracts if you are married.

Also, check out the best way of minimising bank charges (not cheap in South Africa)

Loyalty scemes can help sometimes.

These options can actually reduce your monthly budget for good – even after the bad patch is over.

Juliet

LifeMadeGreat | Juliet’s last blog post..Would You Choose To Be Immortal?

]]> By: Eric Hamm http://motivatethyself.com/drop-one-expense-right-now-community-insight/#comment-1428 Eric Hamm Mon, 19 Jan 2009 01:54:46 +0000 http://motivatethyself.com/?p=2215#comment-1428 @Paula: SWEET! That's awesome! Thanks for sharing and I hope you keep finding ways to keep the bills light so you can enjoy more time to do the things that are truly important. @kara: I've been doing the same. I used to buy certain hobby magazines, but now I just enjoy their websites and forums. More interactive and of course, FREE! :-) Eric @Paula: SWEET! That’s awesome! Thanks for sharing and I hope you keep finding ways to keep the bills light so you can enjoy more time to do the things that are truly important.

@kara: I’ve been doing the same. I used to buy certain hobby magazines, but now I just enjoy their websites and forums. More interactive and of course, FREE! :-) Eric

]]> By: kara http://motivatethyself.com/drop-one-expense-right-now-community-insight/#comment-1427 kara Mon, 19 Jan 2009 00:40:10 +0000 http://motivatethyself.com/?p=2215#comment-1427 Not going to renew my Vegetarian Times magazine. Just visit their online site instead. <abbr><em>kara’s last blog post..<a href="http://betweenthemiles.blogspot.com/2009/01/keep-your-metabolism-stoked.html" rel="nofollow">Keep Your Metabolism Stoked</a></abbr></em> Not going to renew my Vegetarian Times magazine. Just visit their online site instead.

kara’s last blog post..Keep Your Metabolism Stoked

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