How I Cut $10k in Spending in 2014: Year End Progress Report

Hi All, Happy New Year!  I have to say it went pretty quickly for me.  I know It’s been a while since I posted but I’ve been reading your blogs on and off the last 2 months.  I hope you all had a great Holiday Season. I’ve missed writing myself so I hope to get back on the saddle in 2015. Now I want to share and document my financial progress for 2014.  My main goals for the past year were to spend less by reducing my expenses and pay down debt. Reducing Expenses My journey into spending less started in … Continue reading

July Progress Report – 2nd Quarter Results

Every couple of months I check up on my 2014 financial goals to see how I’m doing.  My main goals where to reduce expenses, save to fund our 2015 emergency fund and pay down our debt.  I’ve decided from now that I will complete my progress report on a quarterly basis.  It’s just easier to remember this way and it gives me a decent amount of months to compare my progress.   Reduce Expenses Groceries – My average grocery bill from April to June was $508.29.  This includes household items as well such as cleaning products so it’s not just … Continue reading

May Progress Report and $883 in Monthly Savings

Every couple of months I check up on my 2014 Goals to see how I’m doing.  My main goals where to reduce expenses and save to fund our 2015 emergency fund. Reduce Expenses So far we’ve been able to reduce our cell phone bill, car insurance, landscaping and groceries for a total reduction of $363/month. Groceries The grocery bill was one of the goals I listed in January and so far it’s going well.  We’re getting closer to reducing the monthly bill by $150/month.  In March and April we saved a total of $221 which is a higher savings than the January and … Continue reading

Page Plus Cellular: How I’m Paying $30 a month for Verizon Coverage

**Check out my one year update here.** As I mentioned previously, one of my goals for 2014 was to reduce my cell phone expenses. My main objective was to save money but I also did not want to buy a new phone.   I currently have an iPhone 4s that is still in excellent condition and I love it.  What I did not love was the price I was paying.  My monthly bill with Verizon was $118.  This included unlimited text/data and 450 minutes of voice calls and cell phone insurance coverage.  I know, ridiculous right?  So, when my contract was … Continue reading

There’s Nothing Wrong with Renting

Although I’m a homeowner, I’m not one of those people who thinks that you’re throwing away money by renting.  I think every situation is different and you should base your decision of buying a home on your individual circumstances. Last weekend I was talking to a dear friend and she was telling me that she was getting some pressure from her mother because she was still renting.  My friend’s mother enjoys real estate and has several properties that she rents for income. She’s been doing this for over 20 years.  My friend is not against being a homeowner but she … Continue reading