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Changes Made in my Finances

July 25th, 2012 at 07:14 am

Thank you guys for all the ideas posted. I have read them all and agree with everything said. The changes I have made are below.

I went from the 250 channel package on my satelitte to the 120 package. It is 50 less a month. And hopefully i won't even notice the difference. It still has to two channels i watch plus all of my local programming. I also dropped the HD channels. I won't miss that as my tv is so old that it doesn't even look like HD.

I also looked into cancelling my home phone. However to have internet service, the price would be the same as what I am paying now. The price of just internet is the same as the price for internet + phone. So I kept the home phone. They tried to sell me a larger internet package for $10 more a month but I stood my ground and refused it.

I have made a decision to reduce my eating out/grocery money. Starting on Friday I am only going to buy things we are out of. We will eat from our massive supply of food. The freezer needs to be cleaned out anyway

I changed my cell phone package as well. I went from 2100 minutes to 1400 minutes. I am nervous about this. We haven't gone over 1400 minutes in month but now that I changed I am scared that we will go over the minutes. I will just have to keep an eye on it.

Many of you mentioned having my kids help with meal planning. My DS doesn't live at home anymore and DD already does most of the cooking. We are both going to make an effort to eat at home more often and eat out not at all.

This is the beginning of changes that Iplan to make. Hopefully it will all lead to more money into the budget.

9 Responses to “Changes Made in my Finances”

  1. laura Says:

    Good for you! I think that once you start making little changes, it will be easier to make bigger ones, ultimately taking away the stress caused from budget deficits. Give your tenants thirty days notice in writing that you want them out. That change alone will help you out immensely.

  2. rob62521 Says:

    It sounds like you have some great ideas for your changes.

  3. North Georgia Gal Says:

    Correction: I went to 55 channels in my satelitte package. That is a huge difference.

  4. creditcardfree Says:

    Great job! What are you thinking about your house? Can you put it up for sale 'as is'? It is free to talk to a few realtors.

  5. snafu Says:

    Happy to see you've read the feedback and started baby steps. What action will you take and when will you take it to stem the $800. loss/gift to tenants who are taking advantage of your inaction? When will you make a list of the meals that can be created with the food at hand? You may need to supplement with fresh produce or a couple of ingredients but it's imperative that you go to the store with a list and stick to the list. If you've forgotten the list, don't step into the store.

    Combat your urge to eat out by reminding yourself that it those bites add inches & chemicals. Most important is to quit smoking because we want you to preserve your health. There are lots of smoke cessation programs, go through every one of them until you find the one that works for you! You'll feel better, you'll smell better, your home will be cleaner, your car will be a less dangerous place, you'll be giving a far better message to your children and all the people that love and care about you.

    You've reduced cell phone hours from 35 to 23 hours. Do you remember what life was like when we managed with land phones?

  6. PNW Mom Says:

    Good for you! Hope these baby steps will be a great start to getting where you need to be....keep it up...we are here cheering for you!

  7. NJDebbie Says:

    I agree that you should address your tenant problem right this second. Shame on them for taking advantage of you, but you are allowing this to happen. Please consider eviction at once.

  8. baselle Says:

    Awesome changes! Remember that even if streamlining doesn't save you a lot of money it will save you a lot of mental wear and tear. Fewer things to keep track of, the fewer deadlines. In the spirit of this, I would really try to free yourself from being the car banker of DS and the phone keeper to your ex and being the enabler to the tenants. Even if it costs money. Even if there are threats - both are adults and it is time for them to disengage from you and for you to disengage from them and frankly for you (and them also) to disengage from your mom.

    Right now I think everybody is using you and your mom as a fiscal lifeboat. Right now all parties have to construct their own fiscal lifeboats. Not to say that everybody can't lash their lifeboats together, but to say that if a party cannot get it together, you can't be the one to save 'em.

  9. FrugalTexan75 Says:

    You are definitely on the right track! I do agree with the others though that you really need to get rid of your tennants ASAP - for your peace of mind if not anything else!

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