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I realize your primary questions were about organization, not spending, but nevertheless two immediate spending questions came to mind when reading your post: 1) Why are you paying $70/month for life insurance? What sort of term is the policy, and what's the payout? Generally speaking, life insurance is a good thing to have if you have dependents who rely on your income (e.g. nonworking spouse, minor children, etc.). It sounds like that's not the case for you. Is it a whole/universal policy instead of a term? Those are generally a ripoff unless you are a high-wealth individual. This looks like a prime area for cutting. 2) What is the deal with your $140/month phone plan? How many lines are on that, and what's your data usage? Sprint will give you unlimited talk-text-data for two lines for $100/month. Republic Wireless will give you unlimited talk-text-wifi data and 2GB cell data for $30/month for a line with no contract. Conservatively, you can save $125/month more by changing your approach to these two items. That would be some nice cash flow to put towards your debts!
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Dec 22, 2016 05:45
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| # ¿ May 5, 2024 17:13 |
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