Phones are everywhere these days. Older generations may tease that we spend too much time on them but don’t realize just how much we need them to survive. Our phones are our calendars, email, banks, music, cameras and all-around communication with the outside world. There is no doubt we need our phones for survival in this day and age, but it doesn’t have to cost you nearly as much as you think it does! We reduced our phone bill by $20 a month recently ($240 per year), only using some of these tips to reduce your phone bill that I’m about to share with you.
Working to save money can be a hard feat to overcome. There are negative money mindsets that could have been stuck in your brain since you were a kid. The good news is there, are ways that you can trick your brain into saving more money while you master a healthy money mindset. Let’s chat about some of the ways you can trick yourself into building wealth and how you can retrain your brain so saving money becomes easier and easier.
So I can’t be the only one noticing that every time I go to Target, they are asking me to put in my phone number for Target Circle. Personally, the staff at Target haven’t been very good at explaining what in the world Target Circle is, how it benefits me an why I should be entering in my phone number. A whopping 1% back doesn’t exactly thrill me, especially when I have a 5% back Target Red Card.
My confusion is your gain. I went ahead and did the research on what the Target Circle is, how it works and if it’s even helping you save money. Spoiler alert: I’m kind of a skeptic.
So people have no probably hopping on the latest diet trend if it promises major weight loss, right? Well, have you ever considered what a spending diet might do for you? Trimming the “fat” in your budget with the promise of major money!? Kind of an amazing concept right? Unfortunately, the idea of spending diets hasn’t really caught on just yet and that’s a shame because it can yield bigger and better (and longer lasting) results than a regular diet. Let’s chat a bit about what a spending diet is, the different kinds you can try and which one is right for you.
Does your dog need quality food every day? There’s a subscription for that! Do you want to receive monthly beauty boxes? There’s a subscription for that too! You name it, there is a subscription for it! From the outset, a subscription may save you loads of money, but when you have multiple subscriptions, it can add hundreds of dollars to your bill.
How do you keep the convenience and still spend less on subscription-based services?
We have all been there, we do our best to start a savings account because we know it’s the right thing to do. But then, money gets tight and we transfer money from our savings to get us through. This process used to be much harder but with all banking being mostly online, it’s getting easier and easier. So what can you do to stop taking money out of savings and start actually…well, saving? I’ve got the serious, no BS breakdown for you to stop making un-planned withdrawals and actually start saving (and making) money!