![]() Visit Would Spending a Little Less and Saving a Little More Make a Difference? calculator on. Insurances - When as the last time you reviewed your insurance costs and options for home, life, auto or health? You will be reviewing your coverages in a coming week.Home mortgage - Is there an opportunity to refinance to a significantly lower interest rate? Visit Should I Refiance My Home Mortgage? calculator on.Phone/cell service - Do you need unlimited data for all your phones? Is your family or kids going over data limits and costing high fees? Can you switch to a less expensive service with data management abilities? Would a family plan be less expensive? When was the last time you evaluated your services?.Streaming video services - Can you get what you want by subscribing to a streaming TV service? Do you really need a subscription to Netflix, Amazon and Hulu?.Change TV service - Do you really need all 200 channels? What channels do you really watch? Can you downgrade to a less expensive package? Have you considered installing an over-the-air digital antenna for free TV service?įind out what channels are available for free over the air.Do you still use the ol' home phone line? Could you switch to a less expensive voice-over-IP phone service? Is it better to buy than lease? Consider shared cellphone plans, family plans or plans with managed data limits. Does everyone in the family really need unlimited data? Does your carrier offer a better plan now? Evaluate monthly cost of phones. Phone service - Maybe it's time to evaluate your phone services.Can you live at just 2 degrees up or down to save on cost? Can you better utilize the technology you have to manage your usage? Watch your utility usage - Turn off lights, manage your heating and cooling better and turn down usage while no one is home.Use coupons or deals - Find deals for entertainment, food or shop for the best deals, make it a contest to see who can find the best deals.Stop buying the unnecessary - Are you or family members buying items that are not needed like toys, movies, gadgets, music, soda?.Cut down on eating out - Give the family a budget, take leftovers to work, use a coupons when you do eat out.Often it's just a matter of paying more attention to where your money is going. It's no fun to be the only one cutting spending. Week 12 - Continuing to Give and Bless OthersĪs you look at your fixed and variable expense, identifying areas where you can spend less money. Training Video - Building Your Savings Plan Week 11 - Investing for the Future (Part 2): Prepare For Retirement Week 10 - Investing for the Future (Part 1): Wise Investment Priorities Video - Being an Agent to Act, by David A Bednar Week 9 - Managing Financial Crisis: To Act Or Be Acted Upon ![]() Video - How to Get Out of Debt and Be Financially Successful, by Dave Ramsey Week 8 - Getting Out of Debt: Busting Debt Training Video - Build Your Debt Inventory Week 7 - Understanding Debt: Debt Inventory Week 6 - Protecting Your Family from Hardship: Comfort In Coverage Week 5 - Sticking to a Budget: Taking It to the Next Level Week 4 - Creating a Budget: Taking Control Week 3 - Paying Tithes and Offerings: The Windows Of Heaven Week 2 - Becoming Unified in Your Approach to Finances: Working As A Team Training Video - Begin To Track Your Income and Expenses Week 1 - Becoming a Wise and Faithful Steward: Knowing Is Half The Battle Each section corresponds to a section in the Personal Finance manual you are studying. Below you will find additional church, community and other local resources to help you with your journey in improving your personal finances.
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