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.

Trail cameras, they can be attached to your cell account for $10 a month.

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.. 

Thank you for your thoughts.I am soo bummed as I was looking forward to meeting Tim in person, not to mention grubbing on some tasty burgers.Guess I will have to go to the one down the street from me for that.Call me from your cell when you are there, perhaps you can place me on speaker and we can talk while you guys are there.

Cell phones do not even work out there!

Sometimes the total savings to you by doing lease to own is over 8%, which on a $200,000 property is $16,000.Enclosed are some articles from the Wall Street Journal, Money Magazine, Realtor.com, USA Today and some other public newspapers, about Lease to Own and Seller Financing.Many realtors don't know a thing about Seller Financing or Lease to Own, and their Brokers do not encourage their Agents to talk to Sellers about it.I currently have at least 2 "Lease to Own Buyers" that are interested looking at your house, that will give you full price for your house, and save you quite a bit of money.In order to properly explain this to you, I need to sit down with you and go through the positives and negatives of this decision, so that you can make a good decision about your home sale.I get paid from the buyer so you don't have to pay me anything.Please call xxx-xxx-xxxx so we can sit down for 30 minutes and go over the basics of how this works for you and your family.Sincerely,Brian Gibbons`````````````````````````````````````````````````````````````````````If you notice the letter stresses saving money and doesn't tell them how it works, and also educates the seller was some mainstream articles from national newspapers and realtor.com.Print the cover letter to a generic homeowner on good letterhead, and print the articles on good letterhead.You can use a binder clip to get them altogether.