Jun 20, 2011

Phone Calls and Mouse Clicks

Today I am making an attempt to continue to lower our monthly bills. Now that we are a no income family, every little bit helps.

Last week we were able to cancel Brett's 2 million dollar auto policy now that we no longer have the business. Since we own his truck we went with liability w/ uninsured motorist coverage. That switch saved us almost $250 a month. Next we made big changes to our cell phone plan. In addition to canceling two lines that employees used, we lowered our minutes and picked up another $100 a month.

Today I bought a new home owners insurance policy that will save us $15 a month. I also switched our TV package lowering our bill $21 a month. Both switches were made with a few clicks of a mouse.

Brett is at a huge event with all the major mortgage companies. He will get to sit down and work with someone in person to help us. So far he is at step 3 out of 4 and he has been there for 6 hours. We have no idea if they will be able to help, but the answer is no until you ask right? We are hoping they will defer our loan for 6 months while he looks for a job. That would take a lot of pressure on us.

So that's what we are up to today. If you have any tips on how you've lowered your monthly bills, I'd love to hear them. Every little bit helps!

I added this just because it makes me smile.


17 comments:

  1. What a cutie pie! I love the ladybug and the sunglasses! I came over from Monday Mingle Blog Hop and I'm your newest follower! Would love for you to visit me at www.clingtowhatisgood.com
    Sara :)

    ReplyDelete
  2. Way to go with lowering the bills! The Ogre and I are getting ready to combine our movie and comic collections, so we can list the duplicates on eBay for a little extra income.

    ReplyDelete
  3. Ask Anina! She's the queen of money saving! :)

    ReplyDelete
  4. We had to do the same thing a couple of years ago. but luckily we own our home. We consolidated our trips to town once a week. Saved a lot on gas. Told the kids and grandkids that if they wanted to see us they would have to come to us and bring groceries to feed their family. They did it too. I was so proud of them. My husband was so embarrassed. He just went back to work in March this year. Things are much better. Hope things work out for you and your family. God Bless Your and Yours.

    http://itsabouttimemamaw.blogspot.com/

    ReplyDelete
  5. Hey! Great job...have you ever checked out Extreme Couponing??? They are serious money savers...it's like having a full time job though and well, you've got your hands full already. :)

    ReplyDelete
  6. Great job in lowering your bills so far! The best advise I have (we do) is we unplug EVERYTHING when not in use. We have a room that no one goes in so we actually unpluged all lights and everything in there. We unplug our microwave and washing machine and dryer basically EVERYTHING we don't use and only plug in for use. We went from $215 a month in electricity to $54! yes $54 and we have two kids :) it is so easy to save a lot on things just by taking small steps! and it helps the environment.

    Denise
    http://mommy2nanny3doggy1.blogspot.com/2011/06/end-of-life-watched-by-millions-good.html

    ReplyDelete
  7. I agree with Denise to unplug things when they're not in use. I don't do my washer or microwave but everything else.

    Also, try upping your a/c a degree or two and see if you can all tolerate it. Run ceiling fans to circulate the air. Close the blinds to help block out the sun somewhat but not so much you need to turn on a lamp to see.

    If you have any rooms that aren't being used, close the vents and shut the doors so you're not paying to cool them.

    If you have any student loans, defer those.

    Cancel data plans on your cell phone if you have them. If you're not in a contract, get rid of the phones altogether and switch to a prepaid plan.

    Cancel your home phone if you have one.

    Are you able to cancel cable completely and just do Netflix?

    ReplyDelete
  8. $50.00 bucks a week on groceries for FIVE...that's AMAZING...you need to get your own show on TLC...seriously though...thats awesome!

    Sorry I wasn't of more help...darn reality TV, they always leave the most important stuff out..

    @ Texas and Denise...great ideas!

    ReplyDelete
  9. It is amazing what you can save on when you have to but some changes require a new perspective, attitude and lifestyle. I had to make major changes when I lost my job. I live without a cell phone and actually don't have a problem with that. Just recently I called my internet/phone company and told them that I wanted them to match with another offer since I had been a loyal customer for years, and they did. I did the same thing with my cable company. I bought a fan and raised the thermostat.
    You do what you have to do. I don't feel deprived and in fact feel blessed since making all kinds of changes. I have also deepened my relationship with God which has been key for me.
    Stopping by from Thirsty for Comments Thursday.

    ReplyDelete
  10. Can the smart phones! It's amazing how much you can save by not having a smart phone. Hundreds a month! Also, cook! In bulk! If you use a crock pot, for example, to cook stew or soup a few times a week, you can freeze half, and have a bunch of meals on hand in the freezer. Plus, using things like dried beans in those soups and stews, you end up paying less than $2 meal if you plan carefully.

    ReplyDelete
  11. Great job on lowering the bills. We are trying to lower our electric bill but don't know that we are saving much energy. Planning your meals can save on your grocery bill because you don't buy a bunch of everything so you hope you have enough on hand to cook meals.


    Visiting from Thirsty for Comments Thursday
    <a href="http://callistasramblings.blogspot.com/2011/06/house-cleaning-tips-from-readers-digest.html>House Cleaning Tips from Reader's Digest Canada</a>

    ReplyDelete
  12. great job on lowering your bills! I'm sorry it's taken me so long to get here to read this week's post - being on vacation is a lot of work!

    But I do have good news - you are this week's blog of the week! Please shoot me an email @ heather@actingbalanced.com with this week's post!

    ReplyDelete
  13. I'm stopping by from Thirsty for Comments Thursday.

    I don't know if this would help, but have you considered not paying for a TV service at all and accessing TV through Hulu and/ or Netflix? We pay $20 a month for the two services combined, and we have way more options than we can possibly keep up with. The only negative part is you need a box or computer hooked up to the TV for that, but the savings is great.

    You did an awesome job lowering your bills already. I'm impressed!

    ReplyDelete
  14. What a cute little lady bug!

    I purchased thermal curtains that are supposed to help keep the heat out for my daughter's room and I noticed a difference right away.

    It looks like you are off to a great start on saving on expenses. It's amazing how every little bit adds up!

    Nice to "meet" you,
    Marcia
    www.agracefulllife.blogspot.com

    ReplyDelete
  15. Those are all great things. I've learned to stretch a dollar until it screams and now frugal living is just a way of life because of financial circumstances. I've done some of the things you mentioned. Do you use coupons? If you go on a site like Procter and Gamble, they have great coupons and offer free samples sometimes as well. There are other coupon sites, just check Google. I've also heard of people contacting companies they use a lot and just telling them how much they appreciate the product, and in return, they've been sent loads of free stuff. I haven't done it myself (yet), but it's worth a try!

    ReplyDelete
  16. When we found out we were pregnant with Little Bit we decided I would stay at home. To do this we had to make some adjustments. One big thing we did was to cut off the television. We relied on watching old DVD's and renewed our love of reading in that time. About a year later we missed football so much that we invested in a TV antenna. We don't get very many channels but that's okay for us.

    ReplyDelete
  17. Love the ladybug!

    My hubby and I just use our cell phones and canceled the house phone. We also recently switched from having different carriers for internet and tv to just one company with a cheaper bundle plan.

    Visiting via Thirsty for Comments Thursday. :)

    ReplyDelete

 
Blog Design byA Mommy's Blog Design (© Copyright 2011)