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Reply to "$155K HHI and broke - any tips?"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Losing the gym is easy. It's a luxury. The cell phone plan is way too high. We have four phones on ours and pay only $100. That's $200 right there. The car with free gas is worth it I guess, but only because you'd have to pay out to get a replacement. One of my family's worst line items is gas because our Acura MDX is the suck on gas mileage -- but we barely spend $200 per month. The second car payment has to go. It was a big mistake to take on debt for it. Sell it and buy a used Honda or Toyota with >70K miles. You will probably be able to find one for less than $5K, it will be reliable, the maintenance is cheap, and you can reduce your insurance coverage because you don't need comprehensive on the POS you're going to be driving. Are both of you working or just one? Because if only one spouse is working and he uses the company car and also pays $120 for parking, then it's not worth it. He can get up earlier and take public transportation and save you $320/month. Add that to the $250 once you get rid of the car loan and $200 from your cell phone and gym membership and you've got nearly $800 extra per month.[/quote] Please everyone tell me about your phone plans! What company? [/quote] AT&T 3 regular cell phones, no data, limited texts (200/month) I'm not sure how many minutes--but we NEVER use them all. We pay $80 something per month[/quote]
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