I need to save money

[Alice S. Fuzzybutt]

<p>My gas/electric are set since I joined a monthly program where I pay the same for each month until I have to pay up at the end of the year (This year was brutal since I owed over $300!). </p><p>I have a car and have the lowest insurance around (NJ Manufacturers); about $975 a year. My car is about 5 years old. Should I drop collision? I've never (knock on wood) had a accident.</p><p>My phone I rarely use. It's about $34.00 a month. I'm going to drop the call waiting, which is onlt $5 a month.</p><p>I have a cell. Can I transfer my number to a pay-as-you-go plan? I rarely use my phone. I only need it for driviing. </p><p>I will not give up my cable modem. That's a set thing. It's my &quot;hobby&quot; and my one frill. That is how I look at that.</p><p>I cut off HBO. </p><p>I cut my spending a lot by not ordering out. Or going out. I'll go to dinner ever now and then.</p><p>I renegotiated my mortgage.</p><p>Any other ideas?</p>

<IMG SRC=http://atamichimpo.50megs.com/images/alicebuckysig.jpg>

"We sound just like Cheap Trick only the guitars are louder,"
- Kurt Cobain

"I prefer to listen to Cheap Trick."
-Homer Simpson

[landarch]

My wife and I are in much the same boat as we are trying to drastically cut expenses and save as much as we can.&nbsp; the one thing that has made the most difference was when we ripped up&nbsp;the debit/atm card.&nbsp; Our bills come out of the main account only and any extra or &quot;found&quot; money, if any, goes into a new account with a new atm card.&nbsp; all of a sudden, it's like we gave ourselves a raise, knowing that our misc spending, including groceries and some gas, comes out of an account with a much smaller balance, and we are much more careful.&nbsp; Good luck to you, Alice, and I look forward to everyone else's helpful hints!

[curtoid]

Ahhh...the brutal life of a contractor. Sounds like you've done everything right - I wouldn't drop the collision, tho. Back in 1992 I was in a horrible accident at a time when I let my insurance dropped - I walked out of the car fine, but the ramifications of that I was feeling years and year later. You just never know. Currently I got rid of long distance, I've cut my cable back to the essential $15.00 a month (although, even though they actually never turned the switch, so I still have more) and for awhile there I had my car paid off. I had to go into a little bit of debt to upgrade a bunch of stuff, and got a new used car, and that little bit more has really hurt a lot more than I imagined. If I don't get an infusion of something very, very soon, it's going to be the bleakest Christmases around the Curtoid Family tree.&nbsp;

http://img.photobucket.com/albums/v64/curtoid/surf.jpg

[Alice S. Fuzzybutt]

<p>My car is payed off. </p>

<IMG SRC=http://atamichimpo.50megs.com/images/alicebuckysig.jpg>

"We sound just like Cheap Trick only the guitars are louder,"
- Kurt Cobain

"I prefer to listen to Cheap Trick."
-Homer Simpson

[JPMNICK]

<p>what do you eat for lunch and dinner every ngiht? just on an average week?</p>


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Thanks to Reef for my sig. You rock. Love Your Grandson Frank

[Alice S. Fuzzybutt]

I really suck at cooking so it's pasta most every night, with a few hot dogs thrown in there. I buy soup and frozen food when they are on sale.

<IMG SRC=http://atamichimpo.50megs.com/images/alicebuckysig.jpg>

"We sound just like Cheap Trick only the guitars are louder,"
- Kurt Cobain

"I prefer to listen to Cheap Trick."
-Homer Simpson

[TooCute]

I actually got rid of cable altogether, no phone, realized I was buying a few DVDs a month and switched to netflix (the $14.99/month plan) and started eating a lot more eggs and a lot less meat. By far the cheapest source of protein around...<div>Also just cutting all the crap snack food, soda and starbucks out of my diet helped a lot, not just $$ wise but healthwise. I mean sure, it's what like $3 a day to stop in and grab a tea at Starbucks, but all that adds up.</div>

<img src="http://img.photobucket.com/albums/v306/Eilial/rf.jpg">

[mdr55]

I'm going to A.C. tomorrow.<br />

[monsterone]

<p>on both sides of my family, w/ 8 kids on each side, my grandparents were still able to provide for their families and have a nice nest egg.&nbsp; shit my grandpa would have bouf=ght his last linciln straight up cash if my uncles didn;t step in to tell him to finanace.</p><p>sure what you have listed fuzzybutt might be cosidered &quot;luxeries,&quot; but not in the sense of summer homes or boats.&nbsp; what the fuck has happened???&nbsp; </p><p>i recently read an article in playboy w/ thomas friedman calling for &quot;portable&quot; health cae, 401ks, etc...&nbsp; wee are not like our parents/ gp who could/ would work the same job from 18 to retirement.&nbsp; i know very few who are able to save realistically and their only assets are homes. very volitile.</p>

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<center>

<font color="red" size="1">i love a meth'ed out slut. the next rail is coming off the d-.
and why don't you have tears in your eyes?</font>

</center>
<font color= "red" size="6">

[Bulldogcakes]

<p>Is there anything you can do to earn more? The stuff you're cutting out
seems pretty basic, and while you could live without it, its stuff most
people have without $ problems. Are you working? </p><p>BTW I would KILL for $975 car insurance. And I'm 36. <br />


<img border="0" src="http://home.comcast.net/%7Ebob80/RFnetBulldogcakes3.jpg" />

<a target="blank" href="http://bulldogcakes.tripod.com/index.html">My site Bully Baby</a>
&quot;A dog recently saved his owner's life, because he had been trained to
dial 911. Unfortunately, operators had trouble finding the address
'woof, woof.'&quot;-Norm MacDonald</p>

<font color=black>This message was edited by Bulldogcakes on 9-3-05 @ 9:53 AM</font>

[FUNKMAN]

use cheaper toenail polish

<img src="http://groups.msn.com/_Secure/0UQCRAl4WyHLYmr7dmRaNq9LkFDSutySVXtZT!2DBFo9cdLLOy T0wW*F93FRtcPlf*xMPhVXRGqhe6SJySdgLcTKyu!jrvKbU!du NFBLOnRJxEbhL0qxR9qln3GX9xzMO/FUNKMAN.JPG?dc=4675521713262985004">

[Mike Teacher]

<p>Is there anything you can do to earn more?</p><p>=</p><p>sheesh you sound like my pimp.</p>

<IMG SRC="http://members.aol.com/miketeachr/esig">

[scorpion]

<p>I switch my phone to Vonage.&nbsp; I only pay around 26 a month w no long distance charges.&nbsp; If you rarely use the phone they have a 14.99 monthly plan.</p><p>The nice thing is I did not have to change my number.&nbsp; Like the cell phone I was able to switch my number to them at no cost.</p><p>Also if I travel and there is a High speed line I plug my modem in and I am good to go.&nbsp; Saves alot on phoning from hotels.</p>

<img src="http://www.healthytraining.com/rf/kittycar.jpg">

Now I'm starvin

[mdr55]

Ugh!!! I'm working for free this week.<img border="0" src="http://www.ronfez.net/messageboard/tiny_mce/plugins/emotions/images/sad.gif" /><br />