Budgeting & Saving Money

4 Steps to Saving Money On Cell Phone Bills

April 30, 2019

The average cell phone bill in the United States has now reached $80/month. For a single line with unlimited talk, text, and data, AT&T, Sprint, T-Mobile, and Verizon charges between $60 and $80. Users on a family plan save some money, but not much. I do not believe you’re getting a great deal from any of those companies. They’ve formed an oligopoly in this market.

Listen, I don’t want you to be average. Being average is normal; being financially free is not. So keep reading, and you’ll learn how to cut your cell phone bill in half!

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Budgeting & Saving Money

5 Ways to Save Money on Brand Name Smartphones

April 7, 2019

Today I want to talk about saving money on smartphones.

The Samsung Galaxy Fold is being listed for sale at the price of a whopping $1980! Cellphones have become unaffordable. They cost more than computers, which can do so much more. But people are willing to pay for it.

Brand name smartphones retail for $800 to $1000. On top of that, cell phone service providers no longer subsidize these phones like they used to. Instead, what they do today is they sign you up for a 24-month interest-free loan with no money down. You pay off this phone over the course of 24 months.

People are not looking at how expensive these phones are in the end. Rather, they look at the price of the phone on a month-to-month basis. They find it affordable if it costs only $30 to $45 per month. This is absolutely ridiculous because you shouldn’t need to take out a loan for a phone!!!

Here are the five strategies that I use to buy a brand name smartphone and not pay full retail price for it. I save a couple hundred dollars every few years when I buy a new cellphone.

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Philosophy & Mindset

How to Get Paid Your Worth

November 15, 2018
Dollars

How much do you make? How much does someone else doing the same job as you make? How do you know you are being paid a fair wage for your skill and for the amount of time you’ve been at your current job? Have you ever wondered this?

Because money isn’t something people talk about, especially not in the workplace, I’m certain plenty of people are curious but never say anything. Maybe lack of salary transparency is good in that it keeps drama out, but it’s not good for you if you are being underpaid without knowing it. If you knew just how underpaid you were, would you still work there, or would you aim higher?

I always wondered how people could afford their lifestyle, because we ourselves are middle class, we value thriftiness, prioritize saving money, and there’s not much left beyond small comforts that make our life more enjoyable. The answer is they can’t afford it. That’s what credit cards are for.

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