I love saving money. I think I might have said this before. I read every money saving book/article/blog I can. I figure if I can glean even one new tip that I haven't tried before its even more money that I will be able to keep. I have done pretty good about getting our bills down. Our mortgage is $1320. Then we have gas/electric $175(we normally don't spent that much a month so I bank the rest). We have our car insurance $310(Anna's part is $160 so its really only $150). Den has his damned gym membership $30. He doesn't use it enough to keep it but God save me if I bring it up. Garbage and water $125(I bank what we don't use). Our cell phone bill is $200 a month. I am almost done paying off the actual cell phone part of it($80/month savings). But I figure as soon as I get it paid off a phone will break. And to be honest, I am the worst one about the phones. I drop mine all of the time and it seems as if I have a glitch and I have to keep uninstalling apps and reinstalling them. Then I figure $200/week for food/gas for the cars/alcohol/anything else. Den gets an allowance every week and I don't figure that into our bills. He takes it when he deposits his check and honestly, it has saved our marriage. We don't fight over money anymore because he isn't hitting the ATM.
So our monthly bills run around $2800/month(and that's the high end of I use the full amount saved on gas/electric. Last month gas/electric was about $100). That isn't too bad for the Chicagoland area. We don't have a home phoneline and we don't have cable or even Netflix so I don't see much more to shave off. If Den did lose his job, then the amount we spent on car gas would go way down. In a pinch, I would be able to get the bills down to $2100ish. Oh and I forgot, we are paying extra every month on the house payment plus we pay bi-weekly.
Do you want to know the number one money saving tip that no one ever writes about? Post your bills on your blog and ask for help. There are some pretty money smart people out there with great ideas and lots of experience.
Are you happy with your budget/bills? Would you post it online?