Originally Posted by George Foster
Very good sound advice with anyone with money problems. You forgot cell phones, especially if you have a landline phone and a answering machine.
Thats a good one.
If you *have* to have a cell phone get a prepaid one. Only use it when needed. Drop the data packages and learn to live without texting every five seconds. You can get the cost down on having a cellphone if you *must* have one. It is possible to live with only a landline phone and answering machine.
If you have a good, lowcost cellplan, and your phone works inside the house, consider droping the landline phone completly. Ours is $45ish a month. That's $540 a year you'd save.
You can go either way (cell phone and no landline, or vice versa) but when you've got a mountain of debt to payoff having both is a luxury.