February 17, 2020

10 Ways to slash your cellphone bill

February 17, 2020/ Lydia Senn

Our family has cut our cellphone bill by 35 percent. We cut our bill by around $50 a month saving us $600 a year!

Today I thought I would share with you some tips and tricks for cutting cellphone costs

February 19, 2016

Three things that can WRECK your budget

February 19, 2016/ Lydia Senn

I think at some point we have ALL reached a point when there is more month than money.

We may have entered the month with the best of intentions, but we just didn't stick to our budget. That could be for a number of reasons.

But for a lot of people it comes down to three things, emergencies, lifestyle and guilt. Of course there are endless things that can wreck a budget if you let them, but it seems that these things that cause our money to fly out the window the fastest.

June 10, 2015

That time I got a free iPhone: Saving money by waiting

June 10, 2015/ Lydia Senn

We live in the time of instant gratification. If you want something you can usually access it immediately or within a couple of days of deciding you need it.

Deciding to rid yourself of the desire for instant gratification is a huge part of getting out of debt. But it will also be a key factor in the process of living on less than you make.

May 01, 2015

Why you need an emergency fund today

May 01, 2015/ Lydia Senn

Why do you need an emergency fund? Because emergencies happen whether you have one or not. Here is an example.

It happened at the worst possible time. Emergencies usually do. It was the middle of June, I had a three week old baby and a 19-month-old toddler and the AC in my car had gone out.

We were halfway to my oldest son's nursery school when it happened.

April 30, 2015

6 steps to spring clean your budget

April 30, 2015/ Lydia Senn

The sun is shining the weather is warmer and the birds are chirping. If you're like me you've started cleaning out closets and dusting your baseboards. But have you thought about spring cleaning your budget?

Why not embrace the season by taking this time to make a budget, find ways to cut back and simplify your spending?

April 05, 2015

Build a budget with the EveryDollar Budget App

April 05, 2015/ Lydia Senn

It can be hard to build a budget and it can be even harder to stick to one. I know, I've been there.

But part of paying off debt or building toward savings goals is learning to live on a budget.

You just have to suck it up and do it.

My husband is a pen and paper person when it comes to making our budget. He likes to see all the numbers all at once.

I need immediate results, meaning I need to track my expenses as they happen. If I carry receipts around chances are they will get thrown away. And while I think cash envelopes are fantastic, I would just rather use my debit card.

February 16, 2015

8 Ways to slash your cellphone bill

February 16, 2015/ Lydia Senn

Over the past year our family has cut our cellphone bill by 35 percent. We cut our bill by around $50 a month saving us $600 a year!

Today I thought I would share with you some tips and tricks for cutting cellphone costs.

1. Consider a discount provider. When our contract with Verizon was up we diced we were done with the "big four" (Verizon, AT&T, Sprint, T-Mobile.) We had been under contract with two out our of those companies for nine years and our cell phone bill was ALWAYS too much.

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