Reply to Help me figure out how to better allocate our 300k income.

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Thanks so much for all the great advice. I realize we make a great deal of money, we are just in a crunch right now because we bought the house too quickly and it was too expensive, and subsequently I reduced my hours and we had a second child within a year (unplanned, obviously), so we are in serious catch up mode. Got the apps, called around and reduced cable, phone bill, cancelled gym membership, etc., so I think we are on the right track. Strict no Starbucks policy, and no eating out (we never go out to dinner anymore but we both eat lunches out). Also, I extended my leave so we were without my paycheck for awhile. So now I have a plan to pull out of debt and start saving again.[/quote]

What exactly did you say to cable and phone people to reduce your bills to them? This is something "they" always tell us to do, but I don't know how likely it is that I will be able to convince the rep to help.[/quote]

Hi there -- basically, I told them I needed to lower my payments and that I was unhappy with how high my monthly bills were. That was it. And I went through two different reps until I got one who was helpful and friendly. I am now paying $89.99 for my iphone's unlimited data and calling and texting and my ipad, and $120 for cable/internet/land line. To those that know -- reasonable? not reasonable? when our bundle is up, we will drop cable.[/quote]

The cable/phoen/internet isn't bad. Drop the data on the iPad. I know it's only $15/month but dont' they tack on a bucnh of various telecom taxes? If you're out, you can just use your iphone for data if there's no wifi nearby.

A friend switched to Boost Mobile (sells through Walmart I think) for his iphone and his bills dropped a lot. Also look at GoPhone (AT&T) if yo uhave an AT&T iPhone. It's pay as you go (pre-paid) so no monthly contract. If you don't use your iphone that much, it may be worth it.

For example, we were paying $5/month each for 200 text messages = $10/month = $120/year. Turns out we pretty much text each other so it uses iMessage (data network) so we were only sending like 10 texts/month total not to each other. I dropped that to the pay as you go 5cents/text and there's a bit of savings.
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