finances may change (long)

**227melissa** · 06-30-2011, 11:49 PM

No it was me that was injured sorry maybe did not explain well enough. Oh yes the first thing I did was to get a lawyer.
Right now we are waiting to see what my employer's next move is, the doctor just released me last Thursday and my checks are up to date so far. My employer said he did not have a lesser job for me right now.

**melodys** · 07-09-2011, 01:57 AM

Definitely drop the cable and preferably the home phone too. A painless way to drop the cable is to get a Roku and a Netflix account. Plenty of entertainment for a fraction of the cost.

**a.nonymous** · 07-09-2011, 06:50 AM

Saving is one part of the equation and covered well by the posters in the thread. But do not forget the income side.

What is dh's career plan?
Sit and wait until it either (magically) gets better or his position is scrapped?

I personally would be more pro-active looking for a place that does not offer reduced salary only.

**Jeanna** · 07-10-2011, 04:59 PM

Originally Posted by craftypam

It's not stupid to be in a 2 year contract with a phone; they rope you in to get your phone for free. If you have to pay a cancellation fee; how many months of your plan will it be. If cancellation is $200 you'd be done. That is 3 months of your current plan and you'd be done with them to get the cheaper phone. Just a suggestion.

I would definately have some of the money in savings for back up. My dh has always had a seasonal job and I've always had money for back up.

One thing to check if it a Verizon phone.New Fee Is Your Chance To Break Verizon Contract Without Paying Early Termination Fee - The Consumerist
I am looking into breaking mine and getting straight talk phones.

**Nana2two** · 07-13-2011, 02:37 AM

Not sure your location , but we use mediacom for out cable/Internet/phone all for $99 a month, I would check you local providers.

**frugalfoster** · 07-13-2011, 09:58 AM

Originally Posted by lotsadebt

Phone/internet/cable seem a bit high. Also a cell phone. We ditched the home phone 2 yrs ago in lew of a cell phone.

Look at the internet plan. Do you need so much on it? Analyse how much time you are on it.
Cable: can you cut channels down to basic service? How many tv's?

Cell phone, look at the plan. Companies are not going to just give you a cheaper plan. If you really need need it consider a pay as you go.

This is the easiest way to pick up some extra cash...I did it on both of my houses...cut it down to internet and basic cable only...no home phones because we carry cell phones...saved me almost $200. We got Netflix and we don't even see the difference!

**227melissa** · 07-13-2011, 03:43 PM

I WILL STILL GET CHECKS !!!!!!! got one today for three weeks, so happy and a huge weight off my shoulders. Now to tackle this debt!!! thanks for all the advice.

**Libby** · 07-13-2011, 04:35 PM

Thats great news Melissa

No time like the present to start cutting back and paring down in baby steps so you can get accustomed to a simpler lifestyle. Should the need ever arise, you'll be prepared and not feel deprived - it will be a lesser impact. (if thats the route you're headed towards)

**227melissa** · 07-16-2011, 12:18 PM

I used to have mediacom the worst service ever. Every time it rained cable went out and when the cable was out the internet and phone went out. I can name about 5 different times service was out for a week or more in 2 years. The final straw was when I sat here all day for a service man and they never came or called, this was the third time this happened. Called the company and they said we will have to reschedule, I dropped everything and got direct TV when it storms bad it might go out for a couple of minutes thats all. I do hate AT&T though for phone and internet thinking about dropping them.