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Today I gave myself a $500 monthly raise! 
It wasn’t sexy. It isn’t popular.
You can have similar results though.
Time for a thread...
It wasn’t sexy. It isn’t popular.
You can have similar results though.
Time for a thread...
Today I’ve spent my last 5 hours doing a complete budget audit.
I’ve identified areas that I believe I could get better pricing and I spent the day working on that and cut my budget by around $500 a month.
Here’s what I cut...
I’ve identified areas that I believe I could get better pricing and I spent the day working on that and cut my budget by around $500 a month.
Here’s what I cut...
First, I got my phone bill way down!
I took it from $268 (family plan) to $130 per month.
Not only am I saving but I actually just got a way better plan.
AT&T will run promotions and value plans often. Check into it & Dave money.
Total savings: $138 month.
I took it from $268 (family plan) to $130 per month.
Not only am I saving but I actually just got a way better plan.
AT&T will run promotions and value plans often. Check into it & Dave money.
Total savings: $138 month.
Then, while in the AT&T I switched from my Directv ($110 per month) to AT&T Tv ($54.99). More channels & less cost.
Cost savings: $55
Cost savings: $55
I renegotiated ALL my Insurance’s (vehicle, homeowner, life, etc) for a grand tots of right at $200 less per month.
Call around and get pricing. Rates change frequently!
Cost savings: $200 per month.
Call around and get pricing. Rates change frequently!
Cost savings: $200 per month.
I’m also being super proactive with the power/water I use in my home.
I’m not being crazy, just keeping unnecessary lights off, not wasting water, and keeping my house a little cooler in these cooler temps.
I can’t measure this, but it will save!
I’m not being crazy, just keeping unnecessary lights off, not wasting water, and keeping my house a little cooler in these cooler temps.
I can’t measure this, but it will save!
I’m not done with my audit yet, but I just wanted to show you that there is usually room in your budget!
I haven’t even actually cut anything yet. I’ve only renegotiated things I already have.
Take a day and do this. It’s worth it!
I haven’t even actually cut anything yet. I’ve only renegotiated things I already have.
Take a day and do this. It’s worth it!
Just to add to this...
The $500 per month invested with a 8% return ends up being 1.3 million dollars at retirement age for me.
This doesn’t count what I’m already investing each month or any other type of income.
Simply income invested from doing a budget audit!
The $500 per month invested with a 8% return ends up being 1.3 million dollars at retirement age for me.
This doesn’t count what I’m already investing each month or any other type of income.
Simply income invested from doing a budget audit!
