Reply to Help - I rack up such a high balance on my credit card every month

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[quote=Anonymous]
OP,  I really applaud you for thinking about this.  The more you save now, the better off you will be in the long run.  This is the optimal time to save!

I do think you can get a cheaper phone plan that you will like.  I moved from Verizon to Cricket and have not noticed ANY difference.  It saves me $60 a month (from $100 down to $40) and it is a month to month so I can change to another plan if I really want to do that.  I suggest you try another provider when your contract comes due.  You can always go back to Verizon if you don't like the new provider.

Also, if you don't pay rent, pretend you pay rent and put that amount into savings.  Choose a reasonable amount that it would cost for rent and put that away (and deem it untouchable).  This is good practice for when you do go out and rent and gives you a pot of money that you can use as an emergency fund or for whatever you may need later in life (and I mean need, not want).

Good luck!  The sacrifices now will pay off BIG later!

From,

Someone who has been there[/quote]

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