This post is really more of a question for everyone out there. At one of our RCIA classes, the speaker said something that struck a cord with me. He was talking about tithing and how you can't help others if you are always in debt. True? Yes.
I'm getting serious about cutting some more costs, but I'm out of ideas. Here are the things we've done this year....
- Switched to Virgin Mobile for cell phones. No contracts. We get 300 anytime minutes, unlimited text, email, data & web for $25/month. Savings = unsure?
- Cancelled our Dish Network services. Savings = $58/mo
- Switched from Huggies to Walmart brand diapers. Savings = $26/mo
- Eat out less. Savings = ? (I haven't tracked it)
My questions to you all......How have you gotten out of debt or are you still in debt? Do you budget or do you fly by the seat of your pants? How have you cut spending? What are your best tips for cutting costs? Lay them on me & everyone listening....we could all benefit from any and all saving tips!!
Dave Ramsey! Envelop method works for us! We are credit card debt free, student loan debt free!Fertility doctor debt free...etc We are down to my van and the house...the van will be paid off in december and we just went down to a 15 yr mortgage! All this accomplished in less than a year! We are hoping to pay the house off in less than 15 years...Its all done by strict budget and cash only! It feels great! If you aren't familiar with the envelop system let me know...
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