Non-Discretionary Optimizations: Cell Phone Bill

A recent demonstration of my savviness was changing my cell phone service provider. I simply could no longer tolerate paying $45 per month. Notably, by this comparison alone, the average American could save $420 a year if they just changed to the plan that I have deemed to be no longer bearable…

Non-Discretionary Optimizations: Deductibles

With just two phone calls, my wife and I have effectively reclaimed $1,644 per year just by making subtle changes to our vehicle and home insurance policies. There is nothing quite like some simple math to show you the fallacy of your ways…

Pay Yourself First

Paying yourself first requires intentionally setting aside a portion of your income before you use it on any other expenditures. This means that you are making the decision to set aside monetary resources for your future, which as a result allows you to begin reclaiming your life today…

Delicious $3 Meals

If you read the previous post, you know that a good turkey sandwich is one of my favorite things to pack for lunch. As a follow up, here is a cost analysis for the four other lunches that I mentioned are favorites of my wife and I. Additionally, I have also included two easy bonus lunches for your enjoyment. My hope is that after seeing how to potentially save yourself over $1,100 a year, you will feel well equipped to easily implement practical changes in your life in order to realize the same kind of savings!..

Making Your Lunch Has Saved You How Much Money?

Hey New Dad, what does this have to do with you being a new father? I am glad you asked. For the last six years, my wife and I have brought our lunches to work practically every day. According to my conservative estimates, this has saved us over $6,600!..

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