I take home $620 per month after taxes. My two biggest bills are home phone and cable how can I downsize them without getting rid of them. The phone service includes the internet which is dial up, and equals $110 per month. The cable equals $80 per month and no movie channels. Any help will be useful.
By felicia from GA
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I live in a two bedroom apartment and became friends with my neighbor who lived upstairs. She had to move away and find a cheaper apartment. She didn't have a land line phone but instead used her cell phone for all her calls. She subscribed to Time Warner Cable for her TV and internet service.
I hope that my suggestion will help save you some money.
When I wasn't online for a couple of years, I had to get online to save money for the same issues that you have now, and we were paying $120 for our cable tv, and had just a few premium channels, and most of which we didn't watch. Our phone service was $80 a month too, and I had to do something, NOW, this was getting ridiculous.
Various people told me that I could call the cable, and basically every 3 months, ask for the better deal, and I thought that would be a big hassle too going through that every few months.
I'll tell you what I did, and I'm not sure if it would work for you, but, I got the $200 a month for the two, down to $55 a month for both, which made a big difference, that's about $1700 not having to pay for the phone and tv for a year. I got rid of the tv cable, and I changed the cable company to just High Speed Internet, which cost $30 a month for 2 years. I needed to have the high speed, to still keep my land line, and I used Vonage, which is $25 a month, and it is now unlimited calling, and it is now global too, so it is still all $25 for Vonage, though, I believe Magic Jack, and others are similar, and it could be cheaper, but, those I had to have high speed internet to use them.
As for the tv, we just watch hulu, or others like NBC, we get most shows that are usually about a day later, and the shows can be watched whenever we want to, instead of worrying about the time the shows are on, so that's another advantage. The shows are only on the computer, but, others have told me that the shows from the computer can be sent to the tv's too, and when my son is here again, he said he would fix it so that we can see the shows on our tv too.
I'm thinking that you don't want to lose your tv programs, so, perhaps if you go with just the cable for your internet and tv, and you can get your phone through your computer. Try to get them to agree to prices for 2 years, rather than the 3 months, those you would have to call and keep calling until someone will give you a better deal, and have to keep on top of that, because otherwise the next month the price is way high again. I like the transparency for these to be like that now, and I firmly tell them that too that I want to relearn to trust them, and I only want to deal with their businesses that say what they mean, and mean what they say.
The link for Clark Howard has a lot of info. for saving money, clarkhoward.com/
Also, if you want to use a cellphone, and for the phone, it's an advantage of not being stuck in a two year agreement, Boost you can choose buying the minutes for 3 months, or it's $50 a month, unlimited calling, unlimited texting, and Boost has internet in there too. Boost also is unlimited walkie talkie for the $50 a month, otherwise, others using it, it's $1 for all day, so no worry about minutes, just as long as others have the walkie talkie too.
I like the two year agreement for my landline phone, and cable, but, I don't like two year agreements for a cellphone. :) I use the Boost, for only for emergency, so, I just buy the minutes, which are .10 a minute. I do like the idea that if I need a cellphone more often, I can pay for the unlimited month. Also, another thing nice about Boost, is that all BP gas stations will put your minutes into your cellphone for you, so, no need to do that yourself on the phone or online to recharge your minutes. Some BP stations charge a nominal fee, but, some don't charge anything for it either.
Some extra tidbits. Verizon has a basic plan for their cell phone usage that allows free calls to any other verizon customer anytime. And free calls to anyone anytime after 6 or 8pm (not sure) and on weekends.
Use the local library for your internet needs. Or make friends with someone who can get you time in the local Univerity/High School computer lab.
Instead of cable TV use half the money you pay for cable to rent videos. Spread them out over your month. You can also get videos at your local library. If it's news your after guess what. You can't rent news on videos but you can turn on a radio. Radio is still free (with the exception of satelite radio). And then there is the best entertainment in the world that you can't even GET on cable TV. Read a book. Free at the library and cheap at a used book store.
Cable, satelite, internet and phone. They're like belly and thigh FAT. You can do without them but it's too much WORK to get rid of them. Lordy, how did people ever live before they were invented is beyond me.
Oh but there is something you can do to afford these luxeries. Get rid of your car. The money you save on maintenance and gas should cover these things.
I get a land line through T-mobile for $9.95 a month. Unlimited long distance. I wouldn't have that at all, but my apartment complex is a dead zone for cell phones. So I have to have it. I got rid of all my cable except wireless internet. There are so many websites to watch tv for free online. So that is what I do.
I stripped down my antiquated desktop computer and made it pretty much into an internet machine for my 4 year old son. I stream Batman and scooby doo on that for him (he is not allowed to touch my laptop.- I'm in nursing school- if he broke it it would be devastating!)
I found a tv with a built in VCR for $10 at the thrift store. I find movies sometimes for 10/$1.00 at the thrift store. The most expensive I have ever seen them is 99 cents. My son loves going to pick out movies- they are so cheap!
You may also consider using Skype to make phone calls.
I just want to take a second and apologize to Felecia. I was rude in part of my post. Goes to show you shouldn't visit message boards when there is something on your mind. Kind of like you shouldn't go grocery shopping on an empty stomach. Anyway, I'm sorry.
Hardwired home phones are really dying out. Many people are just dropping them and using their cell phones.
If you aren't comfortable with that, check out "VOIP providers". They can provide a phone service that uses your internet connection. Prices vary, but typically, it's a fixed cost per month ($15-$40/month), and no extra charges for long distance. The downside is that it doesn't work when you lose power. But, with cell phones around, that may be less risky than in the past.
Two ideas:
(1) check with your cable company to see if they have any cheaper plans that would meet your needs. In my town, they have an option called "limited" cable. They don't advertize it since they'd much rather sell a more expensive plan. It only has about a dozen channels.
(2) A Netflix account might be a good alternative to the cable TV.
Their plans range from 8.99/mo for 1 DVD at a time to 47.99/mo for 8 DVDs at a time. A 3 DVD plan ($16.99) or a 4 DVD plan ($23.99) might work for you.
You'd have to give up network TV shows and watch movies instead; but, it would save you a good deal of money over your current cable bill.
If you have the option of using a digital antenna, then you might want to consider that. If not, then I would do as the others suggest and see if you can downgrade to a cheaper cable package. You can check out DVD's from your public library for free if you want to watch movies. I just recently switched my cell phone to Tracfone, which is prepaid. Their service dates are 90 days for most of the cards, while everyone else's is 60 days for most of the cards. The price you pay for minutes is the same, but in the end, you save money. Plus some phones will automatically double your minutes, so if you load 60 minutes onto your phone, it automatically doubles to 120 minutes. You can also buy cards that will automatically double your minutes or add a year to your end service date.
Phone and cable bills are the worst. For the phone bill, you need to look at your itemized bill and call the phone company on ALL charges that you don't need. Most phone companies charge for service costs. Guess what...they aren't servicing you anything they aren't already charging you for. If you live in an apartment or rental unit of some kind, you don't need the insurance either. Your landlord is responsible for that. I've saved $20 a month after looking closely at all the supposed taxes and surcharges and have gotten a better deal with the same carrier I was using. It just takes the times to call them and ask them what they will do to keep you as a customer.
For the cable, really look at what you are watching. If it is mostly network shows and a couple of cable shows, go to antenna. If you have a cell phone, upgrade the $20-30 for the data plan and then use the internet through your phone. All carriers have that capability to offer you that without upgrading to an iPhone or a Blackberry. For about $10, you can purchase an adapter to transfer the data card from your cell phone to your computer's USB port. If you don't have a cell phone, you might want to consider purchasing software to watch tv from your computer. It's $50 one time fee and then you can watch all your shows.
Hope this helps!
I agree with Suntydt and do not think those comments were rude. Spending nearly 1/3 of your take home pay on extras seems very frivolous to me. One can live without television and internet service via free wifi zones would suffice.
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