Time or Money saving tips Anyone?

Do your bills online. No stamps, envelopes or wasted time. It literally takes me a few minutes to pay them all. I have redeemed hours in the last year.

Do a Cash Only Budget: You would think a budget will constrain you but it has been liberating. It also saves you time doing your bills. You dont have to spend hours reconciling your checkbook and making sure it matches your bank account. Uuuggghh!!! Again saving you time at bill paying time. A budget also balances different spending personalities in the family. It provides marital bliss(when you stick to it of course). I often have a difficult time enjoying myself when dining out or at doing something that is supposed to be fun. I am always thinking about what else I could have done with the money. When budgeted I have complete freedom within the boundaries. Julie has a little plastic coupon holder that she organizes the cash in. This is highly recommended. If you have a pile of cash it will get spent and you will have more month left than cash.

If you are on highspeed internet consider switching to an online phone company. We were on Verizon and spending around $50-$60/month with long distance. We now spend $25 with Vonage. You can even keep your existing number. They also have a referral program. You can get a free month for everyone you refer.