PHILL's home budgeting & personal finance

Nickname: PHILL           Budgeting Since: 01/12/2009 Budeting tips, how PHILL is saving money: ANYTHING I CAN The most stupid spending on PHILL personal budget: INSURANCE, ELECTRIC danielmyszka: Change all of your light bulbs to CFL's (compact florecent lights) your elctric company may have a program to help you with this either they may do it or they might have a package for you, Either way your gooing to save significant amounts of money by doing it.  01/09/2010 08:16 Faerydae: comparethemarket.com  09/08/2010 16:45 Lil_Trot12: turn down A/C/Heat, turn off lights when not in room. Switch to a new company  24/07/2010 02:14 mikescrazytaz: insurance is cheap and so is electircsty  19/07/2010 22:47 Ambra: Move to a cheaper place... resuce your consumption of electricity, shop for better cheaper insurance   16/05/2010 21:30 wiggles: consolidate/cut down...be aware of peak times  30/04/2010 00:17 Billy: Yes, Find a cheaper insurance,and cut back on usage of electricity  29/04/2010 10:13 success: search for cheaper insurance companies. shut off lights, etc. when not in use.  29/04/2010 07:30 greeneysbabe: Buy more blankets and thermal wear. Get out for a run and warm up the bum. Is the insurance necessary? What kind of insurance.  06/04/2010 04:15 nittpitt: unplug things not using ..everything that has a light/clock on it takes power even not being used  31/03/2010 17:54 jude: Tal to the providers and ask for the lowest possible rates, decide do you really need whaever insurances you have, most people are over insured, READ, rich dad poor dad, think and grow rich, get online and listen to jim rohn etc .  30/03/2010 05:21 FRENCHY: Have an insurance review done with 3 different companies and compare. Raise your deductible. Turn lights off in rooms you are not in and unplug things that are not in use; like chargers etc...  27/03/2010 19:59 mocko: check deductible and use energy saving bulbs..turn off lights  18/03/2010 05:28 Twyla: lower the thermostat a couple degrees  16/03/2010 22:23 mvhtnc: unplug your toaster, your blender, your tv. your internet router- turn it off. Keeping small items plugged in or on all the time actually costs you money Unplug the things you only use when you need them.  09/03/2010 05:28 Tracy: Shop insurance, turn off lights  24/02/2010 08:32 Can you stick to the budget: PHILL: I WILL TRY LIKE HELL What made you want to use a budgeting software (personal budget planner): PHILL: YES I WORKED FOR A LONG TIME THEN I GOT LAZY Leave the credit card at home, start using cash: PHILL: CASH PHILL Money Saving Tips: Brown Family: eating out, cigarettes, toys and sh... PHILL: TOYS   01/12/2009 20:23 More users are budgeting and saving money on insurance: Kreskin: I've cancelled my cell phone insurance (extra $60/yr.). I've also tried to cut down on impulse buying. larry: Just stay in at home i don't spend a penny on myself all week.turn every elctrical item off that can Swithch all my insurance, gas&electric bills every year.Pay everything up front to save monthly charges. Vincent: take my laundry at my parents, don't use the car too much, canceled my cell phone insurance allie: make grocery lists and stick to them. buy the cheaper cable package. try to keep a clean driving record to lower car insurance premiums. More budgeting tips: Saving money on insurance More users are budgeting and spending money on insurance: Ricky Bobby: Probably car insurance. Like Chris Rock said, " you pay insurance in case sh*t happens, if sh*t don't happen, should'nt I get my money back"? I hate insurance, but I guess you need it. Jenny: life insurance Henrik S R: Insurace!! when the time comes, the insurance company always find crazy excuses not to pay you the money alcohol, shoes, beauty products, car insurance - i never use the car lol More bad spending habits: insurance, credit card, Cigarettes

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