Cutting Back

So recently, my husband and I took at look at some of our finances to see what things we could cut out every month. Here are a few:

• Xbox on-line (not sure the right terminology here) for our 6 year old. Might go w/out saying, I know, that a 6 year doesn't need this. But we had it on there. It was $5.00 a month.
• On-line coupon service I was using. $15.00 a month. It's a great site, but I don't use it all the time, not even once a week. So I nixed it.
• Netflix. We were paying $8.99 a month and we never used it. We use Redbox more, and it's only $1.00 and we don't even rent 8 movies a month, so we said goodbye to Netflix.
• Online job database for my husband's field. You are going to die - we have been paying $29.99 a month for this for probably 2 years. He JUST got a new job (that we found on this site - it truly is the best site out there for his line of work) but since he's not looking for a job anymore, we are done with that!

So, just right there, we are saving almost $60.00 a month in cancelling things we weren't even using!

A few other things we analyzed/changed:

• Cell phone plans - make sure you have the right plan for the minutes/features you use.
• Cable plan - DVR, HD, Digital Cable - what does it all mean anyway? And all the extras add up, so make sure you are using your features, or just cancel them!
• Land line plans and long distance services
• Magazine subscriptions, newspaper subscriptions, any yearly subscription renewal.

I checked my credit card statement for anything that is billed to that on a regular basis, to make sure I wasn't paying for something I forgot about.

See what you can cancel/change/adjust and see how money you can save by doing that! It might surprise you. $60 x 12 months = $720.00 a year!