Here is what I posted last year: http://ift.tt/2uBr77P
I'll give a succinct summary of changes I have made in the past year to improve my situation. This is an ongoing process of improvement and who knows about tomorrow.
Still working dead end job retail job (2% raise each year) -> +$520/yr
Monthly household expenses reduced from $450 to $300/month -> +$1,800/yr
Got rid of cable, just use Internet and occasional SlingTV stream -> +$720/yr
Ended commercial gym membership and use the gym at my apt complex -> +$300/yr
Received additional $5,000 in credit line ($0 so far used, no need to) by bank in response to faithful monthly payments/good credit score. Good for emergency.
Was only contributing $4 a week to 401(K) [you read that correctly], ended -> +$200/yr
Thinking of ending term life ins policy. Hopefully will switch to whole life -> +$250/yr***
Cell phone about the same price, but write off for business (I'm now a realtor).
So basically the changes I have made thus far give me an extra $3,800 at the end of the year. This figure may seem like peanuts to some, but is quite a bit for someone who has averaged an annual income of $13,000 as an adult.
It isn't much, but I'm hopefully on my way up.
Edit: I have not ended the term life policy but was thinking of ending it.
Submitted August 07, 2017 at 10:54PM by rowsdower_for_prez http://ift.tt/2ukcfPW
