I will tell you that I had no spread sheet and did every transaction from my cell phone using the calculator app.

Direct mail still works - those old timers are not on the internet - you can't even get internet at my father in laws house, he does not have it and their is no signal to the cell phone, he doesn't even know it drives the grandkids nuts.  

Even if you can't give up the Starbucks or eating out habit, it's probably worth it to see if you can get a better deal on your cable package, car insurance, cell phone plan, etc., then invest the difference into your retirement savings.

Take Home Pay - ~$4000 per monthTithe - ~$500 (this is very important and non negotiable)Current Mortgage - ~$1100 per month ($196,000 @ 3% VA Loan)Utilities -  ~$350 (Natural Gas, Water, Electricity)Credit Card Debt - ~$600 in payments ($25000 total)Groceries - ~$600 - $700 Car Fuel - ~$300Bills -  ~$180 (Cell Phone, Internet, Netflix)This leaves ~$250 - $300 per month for savings/Dr.

On the other hand if you want some spending cash, you can flip cell phones or thrift store items on ebay and Amazon.

Mortgage, insurance, car loan, cell phone, and utilities will all expect to be paid regardless of what is happening with your job.Treat it like a business.

Yes, Casio who makes calculators had a cell phone called G'One Commando.

So, i was thinking i was going to just leave MilesIQ on my phone and upgrade it to a payed plan when i realized i was kinda upset with how much it task my phone.. out of all the apps i have tested, according to android battery task manager, driving the exact same trip to test each app out.. i noticed that MilesIQ just barely, but pulls ahead in using the most battery power while its in use and when you're just walking around and not logging miles, the constant checking of the phone's sensors to detect if another ride is in progress really makes my cell phone battery drop much quicker than it does without the app installed, so i started looking into other options that were not app related and a few popped up with the most accurate and favored one being the Miles Ace, but some have stated the device died between 1-2yrs after purchase and many people complain about how hard it is to setup the wifi feature on the device and if you dont drive for week or so, the device can sometimes loose its settings or just act weird and fail to log rides.. so i dug further and found some people use the OBD2 dongles, which cuts the battery usage of many tracking apps down to a fraction, because the device is no longer checking its built in accelerometer sensors and such 24/7, now only doing it once the OBD2 dongle is detected, but still many claim that some car charges struggle to keep up on some model phones or the rate of offsetting the discharge on the phone is very slow, causing your phone to recharge at very very slow rate compared to without the app running.. 

Cell phones do not even work out there!

It’s almost like a cell phone: go home plug in, charged for the next day; if there’s a software update, it’s done over night; if you do need service a lot of times they’ll come to you!