Plan for the present

6 Bills you Need to Negotiate

You may have looked at your budget recently and thought: where can I save some additional money?  Cutting out items like that gym membership or cable can go a long way, but have you tried reducing your current monthly bills prior to getting rid of a service?  If you haven’t negotiated your bills before or haven’t negotiated your bills lately, then this post is right on time!

6 Bills You Need To Negotiate

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Budgeting Made Easy with the 50/20/30 Rule

If you are just starting to create a budget, then the 50/20/30 rule is a great place to start.  Instead of thinking of all categories which your spending and savings goes in to, allocate your after tax income in the following 3 categories: essential expenses, financial priorities, and lifestyle choices.

Budgeting with the 50/20/30 Rule

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I Saved Over $500 a Year on Insurance

Things happen in life where you realize you need to cut back on expenses.  This happened to me last summer.  Long story short, my monthly expenses were going to increase by about $150 a month.  Although $150 a month doesn’t seem like a whole lot, times that by 12 months in a year and you have a yearly increase of $1800.  Once the increase of $1800 per year really sunk in, I realized I needed to do something to lower my other expenses.

Looking to squeeze extra funds out of your budget? Check out how I saved $500 a year on insurance!

My first and best attempt at cutting back on my expenses was tackling my auto insurance.  Despite my clean credit report and driving record, my monthly policy was $135.  I immediately got to work to try to lower the bill.


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