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

StanleyAny system that uses combustion as a means to heat anything poses an un-necessary risk...regardless of circumstance or cause any failure, diminished performance, or catastrophic failure with heating equipment ( stove, oven, furnace, water heater ) can have devastating consequences As a former public safety official I would never have any devices that use combustion as a means of heating anything especially as a landlord Best wishes for your continued successBob

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.

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.

Better yet, buy a used book so you can write in the margins and highlight and underline.Turn off all devices and notifications. 

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