Cable, cheaper cell service, different insurance company, higher deductibles. 

(cell phone, health car, car etc...) 

I have a friend who acquired the list, then he made his own program to take that info and convert it to an excel with each property address in their own cell.

It seems that most young professionals have a lot of debt, car, student, possible cell phone and adding another payment such as a home just cant work, so instead they rent.

I did call first and leave a voicemail on both office and cell, followed up the next day with an email, and finally sent a text as well. 

It's a little bit of the chicken/egg issue though as the cash flow helps to purchase more properties.

You should not have to walk through this life on egg shells because your not sure what the people closet to you might think , or worried about how they will react. 

I eat out once a week (I pack my lunches), no cable TV, cell phone bills are below average.

What you're trying to avoid are those folks who haven't paid their cell phone bills, cable, internet and on and on (the record I got was someone with...150...yes, 150 accounts in collections!).

@Jake Thomas  good points.. when I first started in real estate sales circa 1975.. there was no internet heck there was not even a MLS or a computer on your desk top.. the MLS was a big book.I worked every weekend both days 50 weeks a year.. and I worked 3 to 4 nights during the night.what I did have time though during the day ( because not bogged down on computer or cell phone) was to golf fish other actives that I could do middle of the day..