Okay... I've had a slow day at work and have been thinking about how to save money lately. I guess the idea is save money at home so I can travel more. So here are 5 things I'm doing to save money at home.
1. Refinancing my home. My rate is 5.5% on 30 years and apparently I can refinance it to 4% on 15 years and only have to pay about 10% more than I'm paying now. So I'm going through that process now.
2. Saving on food. This is a 2 part process. I'm trying to eat more sandwiches at home and with the holidays coming up I'll try to eat more leftovers. And then I'm trying to cut out a lot of the $10-15 lunches during the workweek.
3. Saving on gas by driving slower. My car will get over 40 mpg on rural roads but I'm usually around 25 mpg as I drive fairly aggressively and my commute is stop-and-go. This has been harder than I thought as since I filled up monday I've hovered around 26-27 mpg although this is 100% commuting. It'll skyrocket tonight when I drive to Starkville.
4. Stop buying junk. Pretty much self-explanatory. Anything off of woot.com falls into this category. And I buy more clothes and shoes than I need.
5. Quit Directv. Now this, I can't do until next fall, but I will. I'm embarrassed to say how much I pay for television. It's around $150 per month and lately they've been charging me $50 for Sunday NFL Ticket which I thought was just free (apparently only free the first year), but I have a 2 year contract so I'm just going to ride it out. I don't think I'll go to cable. I think I'll just quit tv, especially considering all the content available online and the fact that Xbox Live will have ESPN3 soon and already has netflix. The last straw for me was Directv and its partners wanting me to double pay for things. Exhibit A: Fox Soccer Plus. Fox took their best games from the channel I was already paying for, Fox Soccer Channel, and added them to a channel they expect me to pay even more for, Fox Soccer Plus. Instead I think I will pay for neither and just watch their games online for free. Exhibit B: Sunday NFL Ticket. You'll remember I'm paying $50/month for this. Well that apparently is not enough to watch on the iPad app. They expect another $10 (I think) from subscribers to watch games (that they're already paying for) on the iPad. Screw that.
So that's that. That's how I'm trying to save money. And I promise I'll get back to the JuJo SOLO post soon!
hopeful
annoyed
anxious
tired