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Try to cut back on each “variable” category in your budget. Here are a few helpful ideas.
Cable TV. Most of us spend too much money on our cable service. Either cancel some (or all) of your premium channels such as HBO, STARZ or SHOTIME or better yet, cancel cable TV all together. The most expensive Netflix plan only costs $16.99 a month (this allows you to have 3 DVDs out at one time and free streaming to your TV). You have to buy a device (one time $99 fee) to get the streaming videos but it will most likely still save you money. Or you can watch them on your Mac or PC. Better yet, most TV programs are online. Almost all major networks have entire episodes online. These are completely free with less advertising! If you live close to a video store, such as Blockbuster, ask them what deals they have. They also will send you DVDs for free, $17.99 for 3 movies out at once, plus you can exchange them in-store. They also have an on demand player, just like Netflix.
Hint: Feel like you can’t live without your on demand? Make a list of the shows you regularly watch and see if you can find them online for free. Try all the major network websites and do a Google search for your favorite shows. If you can find them all then you have nothing to worry about: search Netflix and/or Blockbuster to rent DVDs of your favorite shows.
Phone service. Does anyone really need a landline anymore? If you have a cel
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