You know, cutting some fluff...
The small stuff will be easy. We have a "bills" checking account with its own debit card that all the regular recurring stuff charges out of. From that we are most definitely chopping a small monthly charitable contribution and a quarterly winery club membership. (At least we will have a large bag of wine waiting for us next visit from the last couple of quarters.. And that will be a nice consolation..)
Our internet spiked from about $32 monthly to $66. OUCH. The 12-month promotional period expired and this month was our first month paying the new amount. I contacted Centurylink to see if there were other promo offers going on that I could switch to, but they kept feeding me BS offers (bundle with cable TV or long distance phone etc, all the offers wind up with me paying an even larger bill than the original $66). Is my only option to call around other providers for quotes and tell CTL (whose service I have no issues with, just the price) that I will be switching if they don't meet the competitor's price? How do you do this?
(Oh, and I REALLY don't want to pay any new customer fees or for new modems or any device rentals, so I do not actually want to switch).
This is the latest Utility Checking Account breakdown.
Car Ins. $112
Coffee Oasis $15 - emailed to cut
Winery $12 - emailed to cut
Total $505 = $127/week to Utility Checking
In 2016 we will be sinking for the Car insurance premium. So ideally it will be the last year that we make monthly payments. It covers my Juke and DH's SUV
PUD is our electric on a set budget billing amount. This gets re-evaluated in June. Averages the costs of all winter + summer months. We got a heat pump installed last month so we are hoping to see our power bill go down or stay the same.
Verizon is DH's iPhone 4. My employer discount applies so this price is post-discount. Nothing fancy here. I should check to see if we are paying insurance on the phone though, and if so, drop it.
Water is an overestimate for the most part. Some months is only $40 but I'd rather overshoot it than come up short.
Frontpoint is home security system. We have what we call tweakers, or people who use meth and other drugs, that live in the same (but older/trashier areas of) this HOA, and they are well known for stealing mail, breaking in to homes and cars, and in general being a nuisance to society. We live down a quiet cul-de-sac & you can't even see our home from the road. I attribute this to our never having had any incidents personally. Thank God.
Off to make some changes!