Saving Money

Some things I’ve done to save money as a middle class family:

Pays off soon

- aggressively cut monthly/annual service bills. If I feel pain, I’ll sign back up

- opened interest bearing savings accounts, picks up a few bucks a year since interest rates are so low

- Slow down shopping in general

- Switch to “free” points based travel & local domestic travel instead of cross country or international

- move more spend into 3%/4%/5% bonus credit cards

One Offs

- paid off credit cards that had been run up due to travel & buying a car

- run lower cash balances in general (which allows for paying off credit card bills)

- sign up for credit cards with bonuses, sign up for new bank with sign up bonus

- Signed up for t-mobile One, which at the moment lets you combine netflix & tmobile into one bill, which in net was cheaper for me. YMMV

- Aggressively cut payroll deductions. I had 1 or 2 that was merely nice to have.

Pays off some day- Pay off mortgage at at about $50 extra per month.