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Disclaimer

Just in case you were confused, I am not your personal financial adviser. I'm doing my best to write up everything I know and learn about finances on this site. I hope that the information I am providing will be helpful to you, but I can't guarantee it. So make sure that you do your own research and get multiple independent opinions before moving your money around.

How I reduced my cable bill

I recently experienced tremendous success in reducing my cable bill.  I’ve heard numerous times that you could have your cable bill lowered by calling and haggling.  Thing is, I hate haggling.  I mean I really don’t like it at all.  But in the interest of saving money I tried it anyways.  I wanted to see [...]

Why I hate phone/internet/cable bundles

I’ll come right out and say that yes, you can save money if you bundle your phone, internet and cable TV services and get them all from the same company.  However, before you run out and grab a bundle package to save a dime consider the downsides.
Having everything through one company means that it all [...]

Understanding your garbage bill

To be quite honest, the garbage bill is pretty simple.  You pay a fee for the garbage company to come by and pick up trash and recycling from your home.  You may have the option of paying extra for a larger trashcan.  Basic recycling is often included in the bill, however some companies charge extra [...]

Understanding your natural gas bill

Natural gas is used primarily for heating homes in winter but some other common uses include hot water heaters and some stoves.
The natural gas bill breaks down in a similar fashion as other utility bills.

Customer charge
This is a fixed cost that you pay to the company.  It covers administration and maintenance costs.
Distribution charge
This fee covers [...]

Understanding your internet service bill

Internet service providers (ISPs) come in two major flavors, dial up and broadband.
Dial up ISPs may charge a monthly fee or a time-based fee.  They provide the slowest connection speed since they have to run over the phone line.  Sometimes they offer additional proprietary content.  However, this content is usually something that you can get [...]

Understanding your cable TV bill

The cable TV bill, while expensive, is often pretty straightforward.
It begins with a fee for basic cable service, which gives you a few stations to watch., usually just a few local networks and C-SPAN.  Next you can move up to expanded basic which gives you many more channels to watch.  This is a popular option [...]

Understanding your phone bill

Truth be told, dissecting a phone bill leads to a quagmire of charges and fees.  But don’t let that stop you from taking a serious look at your bill and determining if you are getting the most for your money.  Use this article as a guide to get you oriented as to what you should [...]

25 ways to save on your water bill

In the interest of conserving water and cutting back on our water bill I present to you a list of 25 ways you can conserve water.

Check your toilet for leaks.  You can do this by putting some food coloring in the tank.  Wait and if color appears in the bowl, you’ve got a leaky toilet.
Avoid [...]

Residential Water Usage Explained

I decided to continue my exploration of water usage by looking at just how the average residence uses water.  You’ll notice the attached chart demonstrating my findings.
Not surprising outdoor water usage constitutes the majority of our water usage.  So what is all this water being used for?  Mostly lawn and garden maintenance.  Hence why many [...]

Understanding your water and sewer bill

As I continued my quest to more fully understand all the various bills I am paying I turned my attention to the water and sewer bill.  I pulled out my paper bill and examined what exactly they were charging me for.  Of course, I recommend that you do the same.  Overall my water and sewer [...]