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August 16th, 2005 at 07:31 am

By baselle(08-14-2005 at 01:44 AM)
Cell & satellite - $74, which is about 15% of $498. I know you're probably under contract and its probably going to be more expensive to break the contracts than what you save ... but to the true frugal person, those are completely discretionary. Might want to figure out what you can do to lower your utilities - they look pretty low right now. Student loans consolidated? Parent loans renegotiated? Finally, while the Roth is important, its after tax dollars and you might want to think about lowering your contributions. Not talking about eliminating, just shaving bits from a number of spots to free up money to save.

Thanks Baselle. But I don't have a land line only a cell (no contract) and I do not have any reception with an antenna and satellite is still cheaper than cable (no contract). Student loans are consolidated at 3.37%. Parent loan is part of my mortgage payment of my down payment on my house, 4%. As for the Roth, I will not cut that out, $4,000/year. I'm 25 right now, and I definitely plan on being in a higher tax bracket when I retire. Right now my Roth has gained about 17% in 1 year.

A couple of expenses I did forget to mention:
Cable internet: $20 (split with my neighbor and not getting any lower)
Transportation costs to and from work: $26.50 (Parking and train)

On a positive note. I did pass up a White Sox game yesterday and saved $25 plus dinner.

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