5 Ways You Are Wasting Money Without Even Realizing It

The truth is that more people are struggling with cash flow issues in their finances than they do with their investment assets.  The challenge is that we often blow our money in places where we don’t even realize it is going out the back door.  $20 here…$100 there…it can seem at times that we are nothing more than our own ATM machine.    It’s hard to define the difference between spending money and wasting money, but making quality decisions as the CEO of your family finances is paramount to having a successful personal financial picture.  Here are five ways I see that people waste money. Buying Too Large A House – We can convince ourselves that buying a large home is a great idea because we expect long term growth of the value of our home. Remember that primary residence should never be considered an investment, but rather your home.  The place you will raise your family or use a source ...

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5 Ways To Cut Down Your Cell Phone Bill

Many of the clients I sit down with tell me how their basic bills continue to rise year over year.   Two of the main monthly costs that keep going up and up for many families are the cable bill and the cell phone bill.   Since mobile companies offer so many different types of plans with minutes, data, texting, and other additional options, it’s important that you review your family cell phone bill each year to see how you can keep costs to a minimum.   Here are five ways you can potentially cut down on your cell phone bill. Who Is Your Top Ten?- Most of the mobile phone companies will offer some type free minute program around your top ten friends and family you call the most.   Between my phone, my wife’s phone, and the two phones my daughters have, we checked to see which numbers were called the most so we could access the most amounts of free minutes.    ...

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