Category: Budgeting

Something you might try when renewing your cell phone contract…

I renewed my contract today. I had the contract for 2 years and I get a great discount thru my work and I have to have a phone for a variety of reasons.

Anyway – I stopped by the retail store to talk to them to see what kind of deal I could get. I was thinking that I would get a free phone or something. The store couldn’t help me so I called another store while at work today. They weren’t offering me anything either so I asked the rep what kind of retention strategy do they have? He mentioned to call the customer service line and ask for the retention department.

I called and guess what? I got a $150 credit on my bill just for asking. The rep on the phone said that only the phone customer service department has the special codes to do that. Pretty cool, huh?

So I thought that I would share that it never hurts to ask for a discount. You never know what you might get!

Where to begin

So many people are talking about how to handle credit cards, decide which credit cards to pay off first, etc… I decided it sounded like a good subject for an article for my own website.

In the process of doing some research, I found a really useful website that has all kinds of calculators to help you make those decisions:

He gives you calculators to compare the true cost of different ways of paying off a credit card, compare two cards, and various others.

He talks about a lot of “savvy discounts”, and says he thinks the average family can save thousands per year just by being careful about such things.

I can’t vouch for him… this was the first I’d heard of him, but he’s been around, writing a newsletter on subjects of saving money for families for years, and has appeared on National Radio and TV.

Happy Trails and Puppy Dog Tails.

How to set up a budget

I was hoping to find on Dave Ramsey’s website some kind of budget guide that would work for us, our kids are grown and it is just the 2 of us. All of the Christian ones that I have found are outdated and many conflict. Some have car payments under transportation and others have all debt in one area. The one budget form Dave has available for free, does not list monthly medical expenses like medicines and doctor visit co-pays.

Does anyone know of any?

I have looked around the internet for the “perfect” budget forms and software.

I found nothing.

That doesn’t mean that there are good ones out there, even great ones. I like Dave Ramsey’s the best.

My suggestion, is to use the one that you like best but “update” based on your own particular situation. JUst add in those categories that need to be added in…like in your case medicines and medical expenses.

Everybodys gonna bit a different when it comes to finances. No two people have the same budget. There are similarities, but nothing will match your situation exactly. Try to cope.

Or you can model a good one for yourself on your own computer (if you have the knowledge to do it.) Then it will be perfect.