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Speaker 1: Welcome to How to Money. I'm Joel and I'm Matt,

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Speaker 1: and today we're talking about ways to cut your monthly bills.

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Speaker 1: That's right. Coming up on the show today, we're going

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Speaker 1: to talk about why trimming your monthly bills is important,

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Speaker 1: which ones you need to attack, and tactics to use

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Speaker 1: in order to save the most. Yeah, Joel, I think

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Speaker 1: that's gonna be a good topic, particularly because I kind

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Speaker 1: of see you as like the monthly bill cutting expert. Yeah.

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Speaker 1: I think on this podcast we think of ourselves more

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Speaker 1: of like jack of all trades when it comes to

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Speaker 1: financial topics. Like we're not experts when it comes to

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Speaker 1: real estate or investing, but we're pretty solid on those

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Speaker 1: things and are things we care a lot about and

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Speaker 1: we spend a lot of time thinking about and developing ourselves.

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Speaker 1: And you know, we are real estate investors and so

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Speaker 1: it's something we talk about. But but I don't I

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Speaker 1: don't know that much about it, Like, yeah, stop asking

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Speaker 1: me questions, right, But we're not experts. So but just

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Speaker 1: getting on this, I mean, I think if I were

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Speaker 1: to call myself an expert on anything, I think cutting

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Speaker 1: monthly bills would be pretty dang near the top. Yeah, man,

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Speaker 1: that's totally in your wheelhouse. You're just really good at

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Speaker 1: like knowing you know all the deals. You feel like

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Speaker 1: you know a lot of the different providers. What. I

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Speaker 1: don't know how you know this, but you kind of

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Speaker 1: know like all the current deals that are out there.

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Speaker 1: Even just when it comes down to like local gas.

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Speaker 1: Sometimes too, you're like, oh uh, someone says offering a

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Speaker 1: thirty nine point nine sense the firm, Like, how do

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Speaker 1: you know that? Dude? Like, well, Matt, the Public Service

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Speaker 1: Commission releases something every month in the state of Georgia

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Speaker 1: and they tell you who's got the best deal on

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Speaker 1: natural gas? Do they really? Yeah, I can show you

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Speaker 1: the apples to apples comparison. Okay, so that's literally something

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Speaker 1: I didn't know that. So you just get this report evidently.

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Speaker 1: All right, So first we need to tell the listeners that, uh,

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Speaker 1: we're having our first giveaway. Man. Yeah, I'm super stoked

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Speaker 1: about this, and it's a really good one. It's gonna

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Speaker 1: be super cool. Like it's not an empty bottle of

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Speaker 1: booze that we finished up. It's a really good giveaway.

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Speaker 1: So if you will go to our Instagram page at

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Speaker 1: Poor not Poor, we are giving away three months of

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Speaker 1: service to Republic Wireless and a three hundred and fifty

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Speaker 1: dollar credit towards a new Republic Wireless phone, which makes

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Speaker 1: a lot of their phones completely free and if you

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Speaker 1: want to get a really high end phone, it's a

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Speaker 1: good discount. So three three months of service for free,

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Speaker 1: a sweet phone, a swag bag, and a six pack

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Speaker 1: of beer. Yeah, because we're poor not poor, we're gonna

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Speaker 1: throw in a six pack as well. We're very thankful

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Speaker 1: to Republic Wireless for for hooking us up with this,

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Speaker 1: uh for this giveaway. Yep, so sweet giveaway. Uh. For

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Speaker 1: more details on this giveaway and how to enter, go

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Speaker 1: to our Instagram page follow us at Poor not Poor

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Speaker 1: p O you r n O T p O O R.

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Speaker 1: And that's a timely giveaway too, man, right, Yeah, I

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Speaker 1: mean it's really fitting with with this episode because we're

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Speaker 1: talking about ways to cut your monthly bills and Republic

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Speaker 1: Wireless is one of like the cheapest possible cell phone

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Speaker 1: providers to be with. So awesome giveaway, perfect episode to

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Speaker 1: do it on, and we're pumped. Yeah, speaking of so

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Speaker 1: like a monthly billgual? How much how much TV do

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Speaker 1: you think you guys watch? Like you and Emily. I mean,

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Speaker 1: don't you guys watch TV together most of the time. Yeah,

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Speaker 1: when we're watching TV, we're watching together. I would say, like,

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Speaker 1: if we were to boil it down to how many

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Speaker 1: hours a week of television do we watch? I would

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Speaker 1: say probably an average of two hours is a week. Nice,

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Speaker 1: That's that's what's gonna say. I was gonna se like

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Speaker 1: two to three. Yeah, probably two to three because three hours,

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Speaker 1: you know, you can kind of that's like the length

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Speaker 1: of a movie as well, So if you only like

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Speaker 1: watch a movie once a week or something like that.

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Speaker 1: I think we used to watch a lot more TV.

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Speaker 1: I know we used to watch a lot more, but now,

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Speaker 1: I mean, between kids and work and just honestly other

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Speaker 1: things I just want to do other than just sit there,

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Speaker 1: sit there on the couch. There's that article on Bigger

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Speaker 1: Pockets titled the Case for not Owning a TV. The

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Speaker 1: average person in the United States watches five hours of

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Speaker 1: television a day. Yeah. I don't know how the crap

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Speaker 1: that's even possible. I mean, these are legitimates, though this

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Speaker 1: is a reporter from Nielsen. That's the average five hours

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Speaker 1: a day. Mind blowing that that is even humanly possible. Yeah,

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Speaker 1: it's an average. So there's some people who are obviously

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Speaker 1: certainly watching TV a lot more, which is even more

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Speaker 1: crazy for me. That sad is like right up there

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Speaker 1: with one and three Americans eats fast food every day

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Speaker 1: like that. That gets that kind of mind blowing stat

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Speaker 1: that you're like, how is that possible? How is that

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Speaker 1: a thing? Um? And that that almost everyone does this

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Speaker 1: and it's terrible for your health, terrible for your eyes,

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Speaker 1: terrible for your general motivation in life. And I will

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Speaker 1: say this too, I'm really into like a good show

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Speaker 1: or a good movie. I used to be like a

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Speaker 1: huge movie buff, and the movies have just gone downhill

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Speaker 1: a lot in the past, you know, ten years. And

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Speaker 1: maybe that's just like old man speak, but I think

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Speaker 1: old man Joel. Yeah, but I have found so many

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Speaker 1: other joys in life, so many other good things to

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Speaker 1: partake in, uh, and so many other things that I

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Speaker 1: just like have to get done that I rarely watched TV,

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Speaker 1: and it is it is really fun to get to

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Speaker 1: see sit down and watch a good show every once

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Speaker 1: in a while, like every time Stranger Things comes out

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Speaker 1: on Netflix. But yeah, I just can't. I can't in

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Speaker 1: good conscience dedicate much more than three hours a week

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Speaker 1: towards watching television. That being said, this episode is not

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Speaker 1: all about TV, so let's move on to the beer.

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Speaker 1: So Joel, do you want to tell the folks what

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Speaker 1: we have today? I have in my hands, Matt weighing

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Speaker 1: in at thirteen point seven from Kansas City, Missouri, Boulevard

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Speaker 1: Brewing Company, Grand Crew, Barrel aged Ale, and I gotta say,

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Speaker 1: Boulevard is one of those national craft brewers that's been

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Speaker 1: around for a long time that is still making some

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Speaker 1: amazing stuff. And thank you to Boulevard because they donated

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Speaker 1: this beer to the podcast, and they donated next week's

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Speaker 1: beer to the podcast, so we're gonna be drinking Boulevard

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Speaker 1: two weeks in a row. I don't know what I'm

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Speaker 1: more excited about this one or the one next week,

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Speaker 1: because next week's is one of my favorites. Next week's

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Speaker 1: is one of my favorite beers of all time. And

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Speaker 1: uh and this it's a new iteration, so you and

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Speaker 1: I've never tasted it, but we've had previous very similar

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Speaker 1: but this I hadn't even heard of, man, So I

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Speaker 1: am beyond stoked to to try something new, which is

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Speaker 1: kind of my favorite beer is a new beer. Yeah,

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Speaker 1: so Grand Crew usually it's like a Belgian thing and

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Speaker 1: it usually means like the best, right, So they're putting

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Speaker 1: out like their finest beer. It's this, it's this epic creation,

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Speaker 1: kind of the cream of the crop exactly. And so

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Speaker 1: Boulevard describes their as it's literally a blend of two

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Speaker 1: of their beers and the finest barrels of those beers.

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Speaker 1: So it's selected lots of their bourbon barrel aged Quad

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Speaker 1: and their whiskey barrel aged Imperial Stout. I'm already a

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Speaker 1: huge fan of their bourbon barrel Quad and any Stout

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Speaker 1: aged and whiskey barrels I like. So it's a really

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Speaker 1: good quad. Yeah, dude, this is gonna be epic. Let's

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Speaker 1: pop the top. This is pouring a dark brown Joel. Actually,

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Speaker 1: as you're pouring it, I thought I looked a little

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Speaker 1: bit lighter, But then I look I see it in

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Speaker 1: the glass and it's like pitch black. I can't see

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Speaker 1: through it at all. But looked a little bit lighter

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Speaker 1: as you're pouring it as it was coming out and

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Speaker 1: almost had like a reddish quality to it. And I

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Speaker 1: don't know what the temperature is like for you listeners

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Speaker 1: right now. But as we're recording this, this is when

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Speaker 1: that's that last sort of cold snap is hitting the

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Speaker 1: East coast. So having a dark, huge beer like this,

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Speaker 1: it just feels so appropriate to me. Yeah, there's like

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Speaker 1: a northeastern New York right now, So if I was

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Speaker 1: in New York, this is what I'd also be drinking.

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Speaker 1: For me, Man, having the weather sort of reflect what

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Speaker 1: you're drinking something about that just seems right, agreed. So

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Speaker 1: smells wonderful. It's got a nice head, it's got that

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Speaker 1: sweet barrel aged quality to it. Let's take a sip, Matt.

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Speaker 1: I'm just gonna keep sitting here with my eyes closed

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Speaker 1: as I hold my glass. Does it help you, like

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Speaker 1: imagine in your mind all the flavors rushing through your

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Speaker 1: mouth there were? I mean, yeah, it kind of it does. Man.

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Speaker 1: I'm not distracted by your your mug in front of me.

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Speaker 1: This is a fantastic beer. I feel like I'm getting

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Speaker 1: the quad coming through the most with kind of those

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Speaker 1: notes of like raisin and fig a little bit of

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Speaker 1: that whiskey barrel, and that the combo is of those

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Speaker 1: two beers blended together is is just beautiful. Yeah, I'm

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Speaker 1: tasting that that barrel. Definitely that quad, and the sweetness

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Speaker 1: is kind of actually reminds me of like a little

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Speaker 1: bit of banana. I feel like there's like almost like

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Speaker 1: this sort of sweet fruit mixed in there with those

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Speaker 1: darker flavors. It kind of lifts it a little bit.

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Speaker 1: So it's not that this isn't a really heavy, dark,

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Speaker 1: like sticky beer. Yeah. For thirteen point seven and just

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Speaker 1: kind of being this like beastly kind of concoction, you

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Speaker 1: kind of assume that it's going to be a little heavy,

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Speaker 1: like yeah, thick monsters, but this it drinks like real

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Speaker 1: lively if it feels good. Yeah, it really does have

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Speaker 1: like a really fun character to it for something that

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Speaker 1: is kind of a darker beer. It's got these like

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Speaker 1: and I think that's really like the Quad and this

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Speaker 1: combo coming through. It's got this kind of livelier a

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Speaker 1: little bit fruity, but not not certainly not over overly fruity.

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Speaker 1: It's just delicious, it really is. It's this is a

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Speaker 1: great beer, so Grand Crew from from Boulevard to a

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Speaker 1: limited release and it's dang tasty. I could picture myself

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Speaker 1: drinking this like in a cabin next to a fire,

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Speaker 1: you know, there's like snow falling outside, like if you're

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Speaker 1: on like a ski trip or something. Yeah, thanks again

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Speaker 1: to Boulevard Brewing Company for for sending us those bottles.

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Speaker 1: We appreciate it very much, and this is a delicious,

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Speaker 1: delicious beer. All right, let's get into the topic at hand,

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Speaker 1: ways to cut your monthly bills. Monthly bills add up,

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Speaker 1: and we think that you could legitimately stand to save

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Speaker 1: hundreds of dollars a month, possibly even enough to fully

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Speaker 1: fund a wrath i RA And that contribution limit is

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Speaker 1: a year, so you might be able to save that

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Speaker 1: much on monthly bills alone. And we're not talking car,

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Speaker 1: we're not talking mortgage. Yeah, like the different utilities or

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Speaker 1: the different monthly subscription services that you have. That's for

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Speaker 1: the most part we're gonna be talking about today. So

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Speaker 1: first off, we want to talk general stratgy g's and

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Speaker 1: we've got a few general strategies to lay out for you,

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Speaker 1: and then we'll get into kind of some of the

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Speaker 1: specific bills and how to tackle those in particular. General strategies, though,

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Speaker 1: the first and easiest thing if you feel like you're

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Speaker 1: overpaying on a monthly bill is to shop it with

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Speaker 1: another provider and get multiple quotes. And we'll talk later

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Speaker 1: about how that's not possible for some of these bills,

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Speaker 1: but any bill that is possible to shop with other

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Speaker 1: providers and get lots of quotes, that's gonna be the

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Speaker 1: best way to to save money. Right, is essentially using

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Speaker 1: capitalism for what it is people competing for your business. Yeah, Joel,

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Speaker 1: this is something that's relatively easy to do, but it's

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Speaker 1: just something that kind of takes some mental work. Like

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Speaker 1: it's it's it's it's almost emotional because you kind of

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Speaker 1: get locked into your ways. You're kind of used to

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Speaker 1: paying a certain bill, and it's not that it's hard

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Speaker 1: work to go find say a new gas provider or

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Speaker 1: something like that, but it's just something kind of extra

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Speaker 1: that you're just like, I don't really want to do that,

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Speaker 1: but you could be saving a good bit of money

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Speaker 1: every single month. That's true. That's the first step in

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Speaker 1: general strategies is to shop with other providers. The second

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Speaker 1: actually read your credit card statements. That's really key, and

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Speaker 1: I feel like a lot of people in this day

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Speaker 1: and age don't go through line item of their credit

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Speaker 1: card statements, and they're likely overpaying on a lot of things.

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Speaker 1: And there's likely service subscriptions, Matt that they have like

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Speaker 1: a monthly recurring charge that they don't even know about,

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Speaker 1: and they're not gonna know about it because they're not

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Speaker 1: looking at their credit card statement, Yuel. That's one way

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Speaker 1: that having a budget every month, where you're actually reconciling

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Speaker 1: it and keeping track of your expenses, you're gonna know

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Speaker 1: what those numbers are. And we've talked about why you

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Speaker 1: need a budget in a previous episode and we still

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Speaker 1: highly recommend it. I mean, if you don't know where

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Speaker 1: your money is going, then you're not gonna know what

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Speaker 1: steps to take in order to reduce your monthly expenses. Yeah,

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Speaker 1: technology can help us as we're tracking our bills. And

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Speaker 1: there's this really cool service called ask trim dot com

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Speaker 1: a s K t R I M dot com. I've

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Speaker 1: never heard of that. Yeah, it's really cool and it's

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Speaker 1: free and it's actually they will you log in you

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Speaker 1: with your credit card information, kind of like you would

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Speaker 1: into mint dot com, which we use I used for

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Speaker 1: budgeting and I recommend it, uh and and terms kind

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Speaker 1: of similar in which they log in and they kind

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Speaker 1: of pour through your statement for you and they pop

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Speaker 1: up this list. Hey, here are all your recurring monthly charges.

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Speaker 1: Do you want us to cancel any of these for you?

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Speaker 1: They actually ask you that, and they can, on on

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Speaker 1: many of them cancel it for you, so you don't

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Speaker 1: even have to take the time out of your day.

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Speaker 1: There's a couple like, for instance, let's say you signed

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Speaker 1: up back in the day or something with yesterday, even

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Speaker 1: with one of the credit bureau monthly services to get

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Speaker 1: your credit reporter score or something. And on a recent episode,

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Speaker 1: we talked about how you can get your credit score

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Speaker 1: and credit report for free, for free, completely free. So

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Speaker 1: if that pops up on your ask Trim run through,

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Speaker 1: you don't need that cancel it, right, And there's a

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Speaker 1: lot of things like that. Maybe you didn't realize you're

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Speaker 1: paying for Hulu and you only watch Netflix, and ask

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Speaker 1: Trim says, you know what, what do you want to

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Speaker 1: cancel this? And so it's a really cool service that

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Speaker 1: will essentially just pop up all your recurring monthly, uh

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Speaker 1: monthly obligations and then give you the option to nip

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Speaker 1: him in the bud. Nice I had no idea that

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Speaker 1: that even existed. Man, I'm gonna I'm gonna have to

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Speaker 1: check that out. Trim it up, dog, That should be

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Speaker 1: their phrase, their catch phrase. I think trim it up. Yeah.

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Speaker 1: Oh so Matt the next one on the list. So

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Speaker 1: number one, shop it with another provider. Number two, check

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Speaker 1: your credit card statements or use a service like ask trim,

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Speaker 1: which kind of does that for you. The third one

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Speaker 1: you kind of disagreed with me on this. As we

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Speaker 1: were putting the outline together, I said, don't use auto

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Speaker 1: pay for some of those bills that are subject to change. Yeah. Well,

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Speaker 1: auto pay for me is like a godsend, like dude,

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Speaker 1: for me to not have to log in every month

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Speaker 1: and pay all my bills. I can't think of the

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Speaker 1: number of hours that I would waste every month doing that.

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Speaker 1: So there's some bills that I do manually pay or

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Speaker 1: push money to. So yeah, do you not do auto

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Speaker 1: pay on the majority of your bills? Yeah, So here's

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Speaker 1: my philosophy. So anything that is sub to change month

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Speaker 1: to month basis, I want to kind of feel the

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Speaker 1: pain and and see, like if I said it on

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Speaker 1: auto pay, I might forget to shop it or or

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Speaker 1: forget that it's gone up. And so I want to

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Speaker 1: personally pay the bill every month because it reminds me

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Speaker 1: what I'm paying for that thing and makes me think

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Speaker 1: about whether I actually want to have that bill or

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Speaker 1: not or I need to reshop it. So, for instance,

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Speaker 1: I like to physically pay my water bill every month,

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Speaker 1: not have it on a recurring payment, because I like

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Speaker 1: to like go into city hall in person and write

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Speaker 1: out a check my hand as well. Excuse me, who

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Speaker 1: do I make this checkout? Too? Uh? Usually you like

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Speaker 1: to go that old school totally. Let let me write

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Speaker 1: my carbon copy check as well. I put on my

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Speaker 1: like Dick Tracy suit, you know, my Fedora hat, and

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Speaker 1: I you know, and and roll up in your eighties

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Speaker 1: seven niecean exactly. Well, no, you gotta do something even

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Speaker 1: older than that. So, yeah, my month water bill strategy.

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Speaker 1: I like to see it every month and acknowledge that

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Speaker 1: I'm paying it. I usually fluctuate either between a sixty

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Speaker 1: three dollar bill or a seventy five dollar bill. It's

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Speaker 1: only twelve dollars a month, but I'm, you know, kind

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Speaker 1: of weird about it, and so every time I see it,

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Speaker 1: if it's the seventy five amount, it kind of gives

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Speaker 1: me that extra kick in the butt to shower less

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Speaker 1: flush my toilet list and generally use less water. Yes.

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Speaker 1: So it's almost like your own asked trim, where you're

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Speaker 1: just kind of presenting the facts to yourself and kind

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Speaker 1: of making yourself answer the question like was it worth it? Yeah?

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Speaker 1: And so like, for instance, I changed internet service providers

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Speaker 1: and we'll get into this a little bit later in

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Speaker 1: the show, but I decigned to sign up for gig

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Speaker 1: service to kind of see how it was. Like it

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Speaker 1: was it's like the new hit thing, and I was like, oh,

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Speaker 1: it's gonna be so fast. You're not the biggest fan

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Speaker 1: from what I collect. Well, it's it's fine, It's it's good,

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Speaker 1: but it doesn't feel like it's better than my thirty

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Speaker 1: dollar a month internet service that I had before. It

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Speaker 1: just doesn't feel like it's that much better. It's not

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Speaker 1: worth fifty dollars a month, and so it angers me

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Speaker 1: every month that I pay that I think about six

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Speaker 1: dollars a year that I could put back in my

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Speaker 1: pocket to do things with awesome things. The value that

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Speaker 1: I'm getting for faster internet just isn't worth it to me.

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Speaker 1: And so I think for me, not having auto pay

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Speaker 1: on these bills that can fluctuate really helps me to

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Speaker 1: make the decision every month, Hey do I want this

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Speaker 1: Because I'm actually physically paying this bill. I'm actually signing

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Speaker 1: in to the website and clicking through to make this

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Speaker 1: payment and doing that instead of just letting it be

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Speaker 1: on autopilot. It has this like psychological and we talked

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Speaker 1: about recently that you know, the psychological power of money.

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Speaker 1: It has a psychological effect. It gives me the kick

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Speaker 1: in the pants to make a change in my personal

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Speaker 1: life and how I'm using that resource, or change providers

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Speaker 1: or you know, call in just to see if I

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Speaker 1: can get a reduced bill amount. Nice man, Yeah, I

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Speaker 1: see the advantage of doing that. And I think a

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Speaker 1: lot of folks too would say, oh, fifty bucks, that's

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Speaker 1: not that big of a deal. But sort of a

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Speaker 1: quick math rule that's out there, I've seen a lot

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Speaker 1: of people refer to it. But basically, if you take

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Speaker 1: an amount that you're spending per month and multiply that

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Speaker 1: by a hundred and seventy three, you know where you

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Speaker 1: to take that same amount that you're not spending and

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Speaker 1: invest it. That amount compounded over the next ten years

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Speaker 1: would equal you know that answer. So yeah, so you

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Speaker 1: take that fifty bucks and you multiply it by hundred

356
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Speaker 1: and seventy three, and we're that fifty dollars a month

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Speaker 1: to be invested for the next ten years. Compounded, you'd

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Speaker 1: end up with, you know, here on the calculator, eight thousand,

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Speaker 1: six hundred fifty dollars. Whoa slow down, rain man. So

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Speaker 1: I'm the calculator. That is a lot of money, man.

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Speaker 1: And so it's I think it's easy for we're so shortsighted,

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Speaker 1: I guess, is what I'm trying to say a lot

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Speaker 1: of times, and I know I'm this way and I think, oh,

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Speaker 1: it's just a little you know, twenty bucks here, twenty

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Speaker 1: bucks there, or whatever. But all this money adds up,

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Speaker 1: and you're talking about making a change to go from

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Speaker 1: a D to thirty, and we're talking about a larger

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Speaker 1: amount of money than I think we even realize in

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Speaker 1: the end. Yeah, I think it's easy to kind of

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Speaker 1: rationalize away the small amounts that we spend a month

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Speaker 1: on a certain service or uh you know something that

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Speaker 1: maybe we're not even using, like a gym membership or

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Speaker 1: whatever whatever it may be, that uh, well, it's twenty

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Speaker 1: or thirty bucks, it's forty bucks here, it's fifty bucks here,

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Speaker 1: and for me that that that fifty bucks a month.

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Speaker 1: I mean that's meaningful because, like like you said, you

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Speaker 1: know the way it impacts you over time. Fifty bucks

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Speaker 1: for one month, right, is not very much, but fifty

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Speaker 1: bucks compounded over ten year, but yeah, and then it

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Speaker 1: invested and compounded, Yeah, it makes a huge difference. And

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Speaker 1: so you need to kind of change your mindset to

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Speaker 1: thinking about it as opposed to just that twenty or

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Speaker 1: fifty dollars for that one month. Well, that adds up

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Speaker 1: to multiple months, and then over those months you could

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Speaker 1: have done something else with that money, and it adds

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Speaker 1: up to this like outrageous amount at the end. And

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Speaker 1: so we'll put a link on the show notes to

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Speaker 1: the rule of one seventy three because that's really helpful

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Speaker 1: when extrapolighting some of these bills that you're overpaying on. So, yeah,

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00:18:55,520 --> 00:18:58,080
Speaker 1: but just to recap that, that rule of one seventy three,

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Speaker 1: you take whatever your monthly payment is for a certain bill,

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Speaker 1: multiply that by one seventy three. That gives you were

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Speaker 1: you to take that amount and invest it for the

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Speaker 1: next ten years as opposed to continuing to pay the bill,

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Speaker 1: and then you don't have any money. Yeah, you don't

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Speaker 1: have that. You know that at the end of ten years.

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Speaker 1: The next general strategy to cut down on your monthly

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Speaker 1: bills is to make use of customer service and particularly

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Speaker 1: the customer retention department. Uh And so I think people

400
00:19:26,119 --> 00:19:28,199
Speaker 1: in general don't know this. They're talking to maybe a

401
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Speaker 1: general customer service person on the phone. And there's really

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Speaker 1: a couple of ways to get through if you want

403
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Speaker 1: to negotiate what you're paying every month and uh, and

404
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Speaker 1: there's ways to do it and talking to someone in

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Speaker 1: the actual customer retention department or lots of times the

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Speaker 1: customer service people through Twitter. Twitter is like an amazing

407
00:19:47,359 --> 00:19:50,719
Speaker 1: place for customer service and negotiating your bill. I've gotten

408
00:19:50,800 --> 00:19:53,720
Speaker 1: bills lowered, monthly bills lowered, credits added to my account

409
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Speaker 1: just by reaching out the companies on Twitter and sliding

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Speaker 1: into their d m s and it works. Some wonders

411
00:20:00,560 --> 00:20:02,600
Speaker 1: that sliding into the d MS man get to that

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Speaker 1: discount exactly. So check out the customer retention department or

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Speaker 1: a company's customer service department on Twitter on social media.

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Speaker 1: That goes a long way. That's actually so much better

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Speaker 1: than just calling their one number and The main thing

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Speaker 1: that you need to know going into that conversation is

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Speaker 1: what their competitors offering, Because if you really want to

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Speaker 1: stay with the company you're with, let's say for internet service,

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Speaker 1: you want to make sure you know what their competitors

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Speaker 1: offering and say, I've been a faithful customer for this

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Speaker 1: many years and if you will give me a deal

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Speaker 1: that matches what they're offering to their new customers, I'll

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Speaker 1: stay stay. But if not, I'm walking. Yeah, And that's

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Speaker 1: that's I mean, that's the biggest thing, Like you need

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Speaker 1: to be able to because sometimes they're gonna call your bluff.

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Speaker 1: If they don't have a deal going on, or if

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Speaker 1: they're not authorized to to kind of match the current

428
00:20:47,200 --> 00:20:49,199
Speaker 1: deals that are out there, they're not going to give

429
00:20:49,240 --> 00:20:51,200
Speaker 1: you a deal. And so you need to be able

430
00:20:51,240 --> 00:20:53,480
Speaker 1: to literally say, all right, well, I'm just gonna go

431
00:20:53,480 --> 00:20:55,440
Speaker 1: ahead and go with the other company. You have the

432
00:20:55,480 --> 00:20:57,399
Speaker 1: power to walk away, and you need to be willing

433
00:20:57,400 --> 00:20:59,280
Speaker 1: to walk away if you're if you're wanting to get

434
00:20:59,280 --> 00:21:02,600
Speaker 1: that that actual deal. Yeah. Almost every time I have

435
00:21:02,920 --> 00:21:05,919
Speaker 1: used this tactic, it has worked. And there are a

436
00:21:05,960 --> 00:21:07,560
Speaker 1: couple of times that they have called my bluff and

437
00:21:07,560 --> 00:21:09,399
Speaker 1: I've had to walk away because I'm just not willing

438
00:21:09,400 --> 00:21:11,000
Speaker 1: to pay the price. But you have to be willing

439
00:21:11,040 --> 00:21:13,040
Speaker 1: to make the switch. And I will say, it's kind

440
00:21:13,040 --> 00:21:15,120
Speaker 1: of pain in the butt, but I was gonna say

441
00:21:15,119 --> 00:21:18,359
Speaker 1: in those instances, I'm kind of like, oh, man, I

442
00:21:18,400 --> 00:21:20,360
Speaker 1: was really hoping they would just lower it. But maybe

443
00:21:20,359 --> 00:21:22,199
Speaker 1: you'll get something. And in most cases you do like

444
00:21:22,280 --> 00:21:23,680
Speaker 1: you will get a deal. But it's just kind of like,

445
00:21:23,680 --> 00:21:25,479
Speaker 1: all right, well, I gotta call those guys that get

446
00:21:25,480 --> 00:21:27,679
Speaker 1: you know, set up my account. But yeah, because most

447
00:21:27,720 --> 00:21:29,160
Speaker 1: of the time, I'll be honest, that's what I want.

448
00:21:29,200 --> 00:21:30,840
Speaker 1: I just want them to lower the price so I

449
00:21:30,880 --> 00:21:32,320
Speaker 1: don't have to set up a new account with some

450
00:21:32,359 --> 00:21:34,520
Speaker 1: other company. But you know what, in the end, if

451
00:21:34,600 --> 00:21:36,159
Speaker 1: if I'm not willing to pay, you know what the

452
00:21:36,160 --> 00:21:37,920
Speaker 1: new rate is, you need to be willing to walk.

453
00:21:38,800 --> 00:21:42,280
Speaker 1: So those are strategies that, yeah, you can use for

454
00:21:42,520 --> 00:21:46,560
Speaker 1: most any monthly bill that's out there, not all of them,

455
00:21:46,600 --> 00:21:48,639
Speaker 1: but a lot of them. You can use. The strategies

456
00:21:48,680 --> 00:21:51,520
Speaker 1: we're gonna now talk about, uh some approaches that you

457
00:21:51,520 --> 00:21:54,879
Speaker 1: can take for specific bills um and a lot of

458
00:21:54,880 --> 00:21:58,679
Speaker 1: these actual categories we got from our our listeners and

459
00:21:58,720 --> 00:22:01,840
Speaker 1: members on our Facebook group. Yeah, so if you're interested,

460
00:22:02,000 --> 00:22:04,560
Speaker 1: please join. It's a really fun community. People asking really

461
00:22:04,560 --> 00:22:07,040
Speaker 1: good questions and a lot of good interaction. You get

462
00:22:07,040 --> 00:22:08,560
Speaker 1: a lot of good info. To you, man, I'm glad

463
00:22:08,560 --> 00:22:10,400
Speaker 1: that we have a lot of informed listeners that are

464
00:22:10,440 --> 00:22:12,480
Speaker 1: helping each other out. That's the best. Just go to

465
00:22:12,520 --> 00:22:15,200
Speaker 1: Facebook and type in how to money and you'll find

466
00:22:15,200 --> 00:22:17,480
Speaker 1: our group. Join in. It's a lot of fun, alright.

467
00:22:17,520 --> 00:22:19,919
Speaker 1: So my favorite bill to talk about that that people

468
00:22:20,160 --> 00:22:22,320
Speaker 1: a lot of people struggle with overpaying on is their

469
00:22:22,359 --> 00:22:25,600
Speaker 1: cell phone bill. And the easiest way to save on

470
00:22:25,640 --> 00:22:29,000
Speaker 1: yourself phone bill is to use less data. Using less

471
00:22:29,040 --> 00:22:31,399
Speaker 1: data every month means a smaller bill, It means you

472
00:22:31,440 --> 00:22:33,960
Speaker 1: can shop with a bunch of different providers if you

473
00:22:34,040 --> 00:22:36,800
Speaker 1: don't need the unlimited And by the way, most people

474
00:22:36,880 --> 00:22:39,440
Speaker 1: use two and a half gigs of data or less

475
00:22:39,480 --> 00:22:42,560
Speaker 1: every month, so you don't really need that unlimited data.

476
00:22:42,600 --> 00:22:45,320
Speaker 1: Even though it feels like this like cocoon that you

477
00:22:45,440 --> 00:22:47,480
Speaker 1: enter into that it feels nice and warm and soft,

478
00:22:47,760 --> 00:22:52,120
Speaker 1: you don't need unlimited data, the warm, soft cocoon of

479
00:22:52,560 --> 00:22:57,159
Speaker 1: data of data data. Most people ninety percent of the

480
00:22:57,160 --> 00:23:00,600
Speaker 1: time have access to WiFi because of the time you

481
00:23:00,640 --> 00:23:03,680
Speaker 1: are at home or you are at work, and if

482
00:23:03,680 --> 00:23:06,960
Speaker 1: you can be on a WiFi signal wherever you are,

483
00:23:07,400 --> 00:23:10,000
Speaker 1: you can drastically cut down on the amount of data

484
00:23:10,040 --> 00:23:13,480
Speaker 1: you're using. And uh that helps a lot. That cuts

485
00:23:13,480 --> 00:23:16,040
Speaker 1: down on your your usage. And you can sign up

486
00:23:16,080 --> 00:23:20,679
Speaker 1: for a plan like something from Republic Wireless that is

487
00:23:20,960 --> 00:23:24,240
Speaker 1: fifteen dollars a month for unlimited talking text and then

488
00:23:24,320 --> 00:23:27,720
Speaker 1: five dollars additional per gig of data that you need.

489
00:23:27,920 --> 00:23:30,320
Speaker 1: Another approach I was gonna mention too, is consider going

490
00:23:30,320 --> 00:23:32,480
Speaker 1: on a family plan. Now they're calling the family and

491
00:23:32,520 --> 00:23:36,360
Speaker 1: friends plan, but all of the major cellphone carriers out

492
00:23:36,400 --> 00:23:39,399
Speaker 1: there offer them now, and they're a great way to

493
00:23:39,440 --> 00:23:41,720
Speaker 1: be able to basically group together, going with a group

494
00:23:41,760 --> 00:23:44,159
Speaker 1: of folks and get your costs down. That's right, and

495
00:23:44,160 --> 00:23:47,200
Speaker 1: that's what we do. Yes, we have nine people on

496
00:23:47,200 --> 00:23:49,120
Speaker 1: one plan. Oh what happened? I thought we had ten?

497
00:23:49,280 --> 00:23:53,200
Speaker 1: We did poor Cebo. He left us, he got married

498
00:23:53,200 --> 00:23:56,159
Speaker 1: and he flew the coop. Got it? So yeah, and

499
00:23:56,160 --> 00:23:58,000
Speaker 1: I think, yeah, there's some great family plans out there.

500
00:23:58,000 --> 00:23:59,960
Speaker 1: I'll name just a few that you should strongly can

501
00:24:00,000 --> 00:24:03,040
Speaker 1: sitter if you're looking for you know, four or five

502
00:24:03,240 --> 00:24:05,560
Speaker 1: plus people to be a part of your cell phone plan.

503
00:24:05,680 --> 00:24:06,960
Speaker 1: It's a good way to do it. So yeah, like

504
00:24:07,000 --> 00:24:08,520
Speaker 1: we said, Matt and I were on the same plan

505
00:24:08,960 --> 00:24:11,880
Speaker 1: and we cash you every month via the cash app

506
00:24:12,000 --> 00:24:16,000
Speaker 1: and for us per individual, it's like fifty or something

507
00:24:16,040 --> 00:24:19,120
Speaker 1: like that a person. Yeah, a month and before which

508
00:24:19,160 --> 00:24:21,240
Speaker 1: you cannot beat. Right in a while ago, like we

509
00:24:21,320 --> 00:24:24,760
Speaker 1: even had a better deal. Uh, it was like even,

510
00:24:25,160 --> 00:24:27,199
Speaker 1: So yeah, we just hop on the deal and at

511
00:24:27,240 --> 00:24:29,159
Speaker 1: this point it would were still got a pretty good deal.

512
00:24:29,200 --> 00:24:31,760
Speaker 1: So we stick around. So if you're looking for a

513
00:24:31,760 --> 00:24:34,560
Speaker 1: family plan and you've got you know, four or five

514
00:24:34,600 --> 00:24:36,879
Speaker 1: people that could be on one, metro PCs has an

515
00:24:36,920 --> 00:24:40,240
Speaker 1: awesome plan for four people at a hundred dollars a month.

516
00:24:40,920 --> 00:24:45,879
Speaker 1: Sprint has a great plan for people five people to

517
00:24:45,920 --> 00:24:47,560
Speaker 1: be on a plan for a hundred dollars a month.

518
00:24:48,000 --> 00:24:50,600
Speaker 1: And the best deal out there right now also comes

519
00:24:50,640 --> 00:24:54,440
Speaker 1: from Sprint, And if you're switching from another provider, most

520
00:24:54,440 --> 00:24:58,120
Speaker 1: people are eligible for a whole free year of service

521
00:24:58,720 --> 00:25:02,000
Speaker 1: from Sprint if you're switched from another provider, So they're

522
00:25:02,000 --> 00:25:05,200
Speaker 1: specifically aiming for Verizon customers with their promotion, but even

523
00:25:05,280 --> 00:25:07,040
Speaker 1: if with your with somebody else, you can likely get

524
00:25:07,040 --> 00:25:09,480
Speaker 1: the deal, and uh that could be up to like

525
00:25:09,600 --> 00:25:12,960
Speaker 1: nineteen hundred dollars in free cell phone service for a year.

526
00:25:13,280 --> 00:25:15,080
Speaker 1: So uh so check that out. We'll put a link

527
00:25:15,080 --> 00:25:17,119
Speaker 1: to that on our site as well. Yeah, and this

528
00:25:17,200 --> 00:25:18,840
Speaker 1: kind of goes back to some of the general strategies

529
00:25:18,840 --> 00:25:20,920
Speaker 1: as well. But a lot of you might be thinking, oh,

530
00:25:21,000 --> 00:25:23,200
Speaker 1: Sprint sucks. The reason I went to Verizon is because

531
00:25:23,200 --> 00:25:25,639
Speaker 1: Sprint was so terrible. Shop around, man, look at the

532
00:25:25,640 --> 00:25:28,720
Speaker 1: coverage maps, because that's something that is constantly expanding. The

533
00:25:28,720 --> 00:25:31,679
Speaker 1: different providers out there are are always improving their coverage.

534
00:25:31,760 --> 00:25:34,120
Speaker 1: And there may have been as part of town where

535
00:25:34,160 --> 00:25:36,120
Speaker 1: you never got coverage and that's maybe where you worked

536
00:25:36,200 --> 00:25:38,200
Speaker 1: or something like that, and you know that wasn't it

537
00:25:38,240 --> 00:25:40,200
Speaker 1: was kind of a non negotiable for you. Check it out.

538
00:25:40,240 --> 00:25:43,200
Speaker 1: That's something that definitely, uh may have improved since the

539
00:25:43,280 --> 00:25:46,600
Speaker 1: last time you you've you checked. Yeah, and someone specifically

540
00:25:46,640 --> 00:25:49,280
Speaker 1: on the Facebook group mentioned that they had Verizon service,

541
00:25:49,880 --> 00:25:53,800
Speaker 1: and Verizon is definitely the most expensive. So if you

542
00:25:54,280 --> 00:25:56,479
Speaker 1: need to have Verizon service, if you feel like if

543
00:25:56,480 --> 00:25:58,560
Speaker 1: you live in a more rural area or you feel

544
00:25:58,560 --> 00:26:01,080
Speaker 1: like you travel a lot, and Rizon just has the

545
00:26:01,119 --> 00:26:03,320
Speaker 1: best coverage for you. And and it's true they do

546
00:26:03,440 --> 00:26:07,000
Speaker 1: have the best coverage, but most of the time it's

547
00:26:07,000 --> 00:26:10,080
Speaker 1: pretty unnoticeable. If you are traveling often or going to

548
00:26:10,160 --> 00:26:14,120
Speaker 1: rural areas, you might find yourself needing Verizon service. And

549
00:26:14,240 --> 00:26:16,720
Speaker 1: there are a couple options for you. I would say

550
00:26:16,720 --> 00:26:19,960
Speaker 1: to check out if you have Comcast Home Internet, check

551
00:26:19,960 --> 00:26:24,720
Speaker 1: out Exfinity Mobile. You can get unlimited talking text and

552
00:26:24,840 --> 00:26:29,639
Speaker 1: a gig of data for twelve dollars a month. So

553
00:26:29,760 --> 00:26:31,760
Speaker 1: the bummer with that is you have to buy a

554
00:26:31,760 --> 00:26:34,800
Speaker 1: phone from them, whereas like with Republic Wireless, who we

555
00:26:34,840 --> 00:26:36,560
Speaker 1: mentioned earlier, you can bring your own phone or get

556
00:26:36,560 --> 00:26:39,600
Speaker 1: a really cheap phone. Exfinity doesn't have a great selection,

557
00:26:40,080 --> 00:26:42,760
Speaker 1: but you drastically cut what you're paying every month, and

558
00:26:42,760 --> 00:26:44,760
Speaker 1: that's one of the best deals out there right now.

559
00:26:44,960 --> 00:26:48,639
Speaker 1: Another option is Total Wireless. They also run on Verizon's

560
00:26:48,680 --> 00:26:51,680
Speaker 1: network and they've got some really great deals over there too,

561
00:26:51,720 --> 00:26:54,960
Speaker 1: so you can check out their offerings at total Wireless

562
00:26:55,000 --> 00:26:57,760
Speaker 1: dot com. If you're a Verizon person and you don't

563
00:26:57,760 --> 00:27:00,200
Speaker 1: want to let them go, that's the really the only

564
00:27:00,240 --> 00:27:02,480
Speaker 1: way to save a bunch of money and stay on

565
00:27:02,520 --> 00:27:05,080
Speaker 1: their network edel And you mentioned, I mean, all these

566
00:27:05,119 --> 00:27:07,960
Speaker 1: are companies. But I mean, we'll go ahead and say

567
00:27:08,040 --> 00:27:12,040
Speaker 1: too that we would never recommend a company or a

568
00:27:12,080 --> 00:27:15,280
Speaker 1: product that we wouldn't use ourselves. So we're currently with

569
00:27:15,320 --> 00:27:18,000
Speaker 1: Sprint because they've got that sweet ten person family plan, right,

570
00:27:18,320 --> 00:27:20,840
Speaker 1: But these other plans that are that we're talking about,

571
00:27:20,880 --> 00:27:25,120
Speaker 1: like Republic and Total Wireless, these are also great plans

572
00:27:25,480 --> 00:27:29,040
Speaker 1: that we would absolutely recommend and use ourselves were we

573
00:27:29,119 --> 00:27:32,000
Speaker 1: not with another carrier already. Yeah, it just depends on

574
00:27:32,080 --> 00:27:35,520
Speaker 1: your needs. And if you're like a single individual and

575
00:27:35,600 --> 00:27:38,639
Speaker 1: you have Comcast Home Internet, I think Exfinity Mobile is

576
00:27:38,680 --> 00:27:41,400
Speaker 1: a great choice. If you're a single individual and you don't,

577
00:27:41,440 --> 00:27:44,800
Speaker 1: I think Republic Wireless is probably the best choice. If

578
00:27:44,800 --> 00:27:47,879
Speaker 1: you are a family and you're okay having Sprint service,

579
00:27:48,280 --> 00:27:51,159
Speaker 1: I think Sprint is probably the best choice. And like

580
00:27:51,200 --> 00:27:53,359
Speaker 1: we said, you know, verizing customers, like, I think that

581
00:27:53,359 --> 00:27:55,840
Speaker 1: there's just it's really down to the individual and what

582
00:27:55,960 --> 00:27:58,960
Speaker 1: you need. But there are so many good options that

583
00:27:59,000 --> 00:28:02,720
Speaker 1: save you money over a lot of the traditional carriers. Yeah,

584
00:28:02,760 --> 00:28:04,040
Speaker 1: I guess I just I wanted to miss that to

585
00:28:04,040 --> 00:28:05,600
Speaker 1: you because I didn't want people to think that we're

586
00:28:05,640 --> 00:28:07,840
Speaker 1: just pushing stuff that we wouldn't use ourselves. Or like

587
00:28:07,880 --> 00:28:09,760
Speaker 1: we're getting paid for it or something like that. We're

588
00:28:09,800 --> 00:28:12,520
Speaker 1: not getting paid. We're just trying to get you guys

589
00:28:13,040 --> 00:28:16,760
Speaker 1: thinking outside of the Verizon box, which tends to be

590
00:28:16,960 --> 00:28:19,120
Speaker 1: I feel like the default for a lot of folks. Yeah,

591
00:28:19,160 --> 00:28:21,480
Speaker 1: no doubt, and the most expensive for a lot of folks.

592
00:28:21,640 --> 00:28:23,600
Speaker 1: All Right, So the next specific bill we need to

593
00:28:23,600 --> 00:28:27,840
Speaker 1: talk about is internet. Internet. Uh So the first thing,

594
00:28:28,320 --> 00:28:33,720
Speaker 1: skip the money saving triple play packages. Don't bundle home calling,

595
00:28:33,840 --> 00:28:36,439
Speaker 1: internet and cable. By the way, who still has a

596
00:28:36,440 --> 00:28:39,640
Speaker 1: homeland line? So the really the internet thing is a

597
00:28:39,760 --> 00:28:41,920
Speaker 1: harder one to shop. Like in the cell phone sphere

598
00:28:41,960 --> 00:28:43,560
Speaker 1: that we were just talking about, there are dozens of

599
00:28:43,560 --> 00:28:48,120
Speaker 1: players in the internet sphere. You likely have two choices. Really.

600
00:28:48,120 --> 00:28:50,360
Speaker 1: The way to do this is to watch for offers

601
00:28:50,440 --> 00:28:53,400
Speaker 1: and then try to get price matching, and if they

602
00:28:53,440 --> 00:28:56,640
Speaker 1: won't price match you kind of essentially ping pong back

603
00:28:56,680 --> 00:29:01,840
Speaker 1: and forth every year to the turn it company that

604
00:29:01,920 --> 00:29:05,120
Speaker 1: provides service where you live. And Matt, did you at

605
00:29:05,160 --> 00:29:08,280
Speaker 1: one point tries cheering internet service with a neighbor to

606
00:29:08,320 --> 00:29:10,760
Speaker 1: save money? Yeah? Man, I figured this is something worth

607
00:29:10,800 --> 00:29:13,720
Speaker 1: mentioning because it seemed like a great idea at the time,

608
00:29:14,280 --> 00:29:18,320
Speaker 1: but it wasn't such a grid. Uh, this is at

609
00:29:18,360 --> 00:29:20,800
Speaker 1: our old house, but a neighbor. Get this, they weren't

610
00:29:20,800 --> 00:29:24,200
Speaker 1: even our next door neighbors, but they lived two houses over,

611
00:29:24,280 --> 00:29:26,000
Speaker 1: and so we were trying to figure out a way

612
00:29:26,080 --> 00:29:29,440
Speaker 1: to sort of boost kind of do an extender across

613
00:29:29,560 --> 00:29:34,360
Speaker 1: our our neighbor's backyard. And we're like, I think it'll work. Yeah,

614
00:29:34,400 --> 00:29:36,760
Speaker 1: it did not really work out. So well. Yeah, we

615
00:29:36,840 --> 00:29:38,840
Speaker 1: tried it out for like a week maybe for just

616
00:29:38,920 --> 00:29:41,120
Speaker 1: like a like a one week trial run. And in

617
00:29:41,240 --> 00:29:44,400
Speaker 1: that one week period, we found that it constantly went

618
00:29:44,480 --> 00:29:48,120
Speaker 1: down and it wasn't really strong enough. And you know,

619
00:29:48,200 --> 00:29:52,040
Speaker 1: in the evenings when we were both watching streaming TV,

620
00:29:52,560 --> 00:29:56,040
Speaker 1: we saw that the speed drops significantly. So I don't

621
00:29:56,120 --> 00:29:59,400
Speaker 1: even try. I guess our heart was in the right

622
00:29:59,400 --> 00:30:01,240
Speaker 1: place where the like, we're gonna stick it to the man.

623
00:30:01,880 --> 00:30:03,880
Speaker 1: But in the end, it just did not work. I

624
00:30:03,960 --> 00:30:06,280
Speaker 1: love I love that you tried, though, that yeah we

625
00:30:06,560 --> 00:30:09,040
Speaker 1: had to try. That's very poor, not poorish of you

626
00:30:09,400 --> 00:30:11,760
Speaker 1: to at least give it the old college try. So.

627
00:30:12,240 --> 00:30:14,480
Speaker 1: I think the other thing too, on saving money on

628
00:30:14,560 --> 00:30:18,440
Speaker 1: your internet service is knowing about the customer retention department

629
00:30:18,440 --> 00:30:20,479
Speaker 1: that we talked about earlier, and then also knowing about

630
00:30:20,760 --> 00:30:24,920
Speaker 1: the customer service on Twitter being the best, especially for

631
00:30:25,160 --> 00:30:28,800
Speaker 1: some of those bigger cable and uh telephone company operations.

632
00:30:29,120 --> 00:30:31,960
Speaker 1: So use those things to your advantage when you're shopping

633
00:30:32,000 --> 00:30:35,040
Speaker 1: your internet, although it's kind of a difficult one because

634
00:30:35,160 --> 00:30:38,240
Speaker 1: you've got fewer competitors in the arena. Yeah. Man, on

635
00:30:38,320 --> 00:30:41,760
Speaker 1: that note, our internet service has definitely creeped up over

636
00:30:41,760 --> 00:30:43,960
Speaker 1: the past few months. That's because you're on auto pay, fool.

637
00:30:44,320 --> 00:30:47,400
Speaker 1: I mean, yeah, I'm on auto pay, and but I

638
00:30:47,400 --> 00:30:49,600
Speaker 1: still want to have Internet. I just haven't gotten around to,

639
00:30:49,920 --> 00:30:53,080
Speaker 1: uh the shopping it. I haven't seen what the other

640
00:30:53,200 --> 00:30:55,960
Speaker 1: big internet provider his offering at the moment, and we're

641
00:30:55,960 --> 00:30:58,719
Speaker 1: just busy right now. So I met me none like

642
00:30:58,720 --> 00:31:00,720
Speaker 1: you said. Yeah, that might be one on side to it,

643
00:31:00,720 --> 00:31:03,040
Speaker 1: because if I was forced to manually go in there

644
00:31:03,040 --> 00:31:04,680
Speaker 1: and do it myself, I may have taken that time

645
00:31:04,720 --> 00:31:06,840
Speaker 1: instead to go ahead and shop it instead. Is just

646
00:31:06,880 --> 00:31:08,840
Speaker 1: getting paid every month, and I know that they're kind

647
00:31:08,840 --> 00:31:10,880
Speaker 1: of sticking it to me because I got a great

648
00:31:10,880 --> 00:31:13,080
Speaker 1: deal the first twenty four months. Actually I was. I

649
00:31:13,120 --> 00:31:15,480
Speaker 1: was able to get them to extend the first twelve

650
00:31:15,480 --> 00:31:17,480
Speaker 1: months expired, and I called them up and did the

651
00:31:17,520 --> 00:31:21,400
Speaker 1: whole tough guy, I'm gonna walk approach and I was

652
00:31:21,440 --> 00:31:23,240
Speaker 1: going to and they, you know, they extend it for

653
00:31:23,240 --> 00:31:25,360
Speaker 1: another twelve months. But now they're they're they're kind of

654
00:31:25,760 --> 00:31:28,520
Speaker 1: exacting their revenge on me. A few months have been

655
00:31:28,600 --> 00:31:31,280
Speaker 1: like sky high and I'm I'm just too too busy

656
00:31:31,320 --> 00:31:33,080
Speaker 1: at the moment to take the time and shop it around,

657
00:31:33,080 --> 00:31:34,880
Speaker 1: which I need to do. All right, your homework for

658
00:31:34,920 --> 00:31:38,000
Speaker 1: the next week, customer retention and Twitter use them, all right,

659
00:31:38,040 --> 00:31:40,560
Speaker 1: so that the next major specific bill you need to

660
00:31:40,560 --> 00:31:42,840
Speaker 1: tackle is your cable bill. And by tackle you mean

661
00:31:43,240 --> 00:31:45,840
Speaker 1: just get rid of it completely, right, axit, Yeah, just

662
00:31:46,520 --> 00:31:49,360
Speaker 1: obliterate it, please. I think a lot of folks have

663
00:31:49,600 --> 00:31:51,880
Speaker 1: cable still because they let's go back to what you

664
00:31:51,920 --> 00:31:54,720
Speaker 1: talked about before, like the triple play, the landline, the

665
00:31:54,760 --> 00:31:56,800
Speaker 1: cell phone, and the internet service. I think a lot

666
00:31:56,800 --> 00:31:59,480
Speaker 1: of people still have cable because it's just kind of bundled.

667
00:32:00,000 --> 00:32:01,800
Speaker 1: They feel like they're getting a good deal, and really

668
00:32:01,840 --> 00:32:04,000
Speaker 1: folks are getting roped into watching more TV because they

669
00:32:04,000 --> 00:32:08,680
Speaker 1: have that that bundle where where cables included, and in reality, man,

670
00:32:08,800 --> 00:32:11,320
Speaker 1: you do not need cable with a different sort of

671
00:32:11,360 --> 00:32:14,160
Speaker 1: services that are out there. Let's just cut cable. Yeah,

672
00:32:14,240 --> 00:32:18,400
Speaker 1: I mean, I think in having cable feels like having

673
00:32:18,400 --> 00:32:21,960
Speaker 1: a typewriter. There are so many good services if you want,

674
00:32:22,000 --> 00:32:24,360
Speaker 1: like fifty channels in your life. I personally think that

675
00:32:24,400 --> 00:32:27,240
Speaker 1: you should really strive to cut down and have a

676
00:32:27,240 --> 00:32:30,800
Speaker 1: streaming service like Netflix or Hulu or something like that alone,

677
00:32:31,160 --> 00:32:34,440
Speaker 1: Amazon Prime, whatever it may be. But essentially there are

678
00:32:34,920 --> 00:32:40,280
Speaker 1: services like YouTube TV, like direct TV now, Hulu, Live TV,

679
00:32:40,560 --> 00:32:44,160
Speaker 1: and Sling. They're all these players now that offer you

680
00:32:44,320 --> 00:32:47,920
Speaker 1: from anywhere from twenty to forty a month, a lot

681
00:32:48,000 --> 00:32:51,640
Speaker 1: of what cable offers you. So you can slasher bill

682
00:32:51,720 --> 00:32:54,480
Speaker 1: from a hundred and twenty five dollars to thirty five

683
00:32:54,520 --> 00:32:57,520
Speaker 1: dollars just by switching to a different provider and getting

684
00:32:57,560 --> 00:33:00,560
Speaker 1: your cable service over the internet as a is too

685
00:33:01,040 --> 00:33:04,320
Speaker 1: through a cable that that runs into your house. An

686
00:33:04,400 --> 00:33:06,440
Speaker 1: argument I hear man is a lot of times folks

687
00:33:06,480 --> 00:33:08,760
Speaker 1: are talking about a certain game or like certain sport

688
00:33:08,800 --> 00:33:11,760
Speaker 1: that they're not not able to get except through cable,

689
00:33:12,200 --> 00:33:14,120
Speaker 1: and man in those cases, I think what we would

690
00:33:14,120 --> 00:33:16,440
Speaker 1: recommend to is to go over to a friend's house

691
00:33:16,560 --> 00:33:19,320
Speaker 1: that has cable, which sounds kind of mouci but like

692
00:33:19,440 --> 00:33:21,200
Speaker 1: make it a thing like show up with a six

693
00:33:21,240 --> 00:33:22,720
Speaker 1: pack and you guys can you can hang out. You

694
00:33:22,760 --> 00:33:26,360
Speaker 1: can actually make it a social experience instead of just

695
00:33:26,400 --> 00:33:29,120
Speaker 1: sitting there on your couch watching it, watching a game,

696
00:33:29,200 --> 00:33:31,680
Speaker 1: or even like going to a bar. That's one of

697
00:33:31,680 --> 00:33:33,640
Speaker 1: the things we love you and I let love about

698
00:33:33,640 --> 00:33:37,840
Speaker 1: soccer is that there's such a sort of social aspect

699
00:33:37,880 --> 00:33:41,040
Speaker 1: around it. And the most fun you have is obviously

700
00:33:41,040 --> 00:33:42,840
Speaker 1: going to an actual match, but man, going to a

701
00:33:42,920 --> 00:33:45,400
Speaker 1: bar that's playing the game, where there's a bunch of

702
00:33:45,480 --> 00:33:47,880
Speaker 1: bunch of friends there who are also into it. How

703
00:33:47,960 --> 00:33:50,640
Speaker 1: much more fun is that than watching a game on

704
00:33:50,880 --> 00:33:54,240
Speaker 1: cable at home by yourself, maybe with one other person.

705
00:33:54,800 --> 00:33:57,560
Speaker 1: I yeah, I completely because it sounds very fun to me. Yeah.

706
00:33:57,560 --> 00:33:59,880
Speaker 1: And I'd rather, you know, drop fifteen bucks on b

707
00:34:00,040 --> 00:34:02,920
Speaker 1: years and hang out with some people and watch it

708
00:34:02,960 --> 00:34:04,680
Speaker 1: with a crowd. And I don't think you have to

709
00:34:04,720 --> 00:34:06,640
Speaker 1: be an extrovert to think this way. I think there's

710
00:34:06,640 --> 00:34:09,760
Speaker 1: something really about the solitude of having cable and watching

711
00:34:09,760 --> 00:34:12,520
Speaker 1: it alone on your couch that just seems a little depressing. Yeah.

712
00:34:13,520 --> 00:34:16,759
Speaker 1: And if you are a die hard sports nut and

713
00:34:16,800 --> 00:34:19,080
Speaker 1: you're like, no way not cutting it out of my life,

714
00:34:19,480 --> 00:34:22,319
Speaker 1: not gonna happen. There there are a few options and

715
00:34:22,560 --> 00:34:26,839
Speaker 1: uh sling, Like I mentioned, YouTube TV, direct TV. Now,

716
00:34:27,280 --> 00:34:30,000
Speaker 1: some of these guys offer different packages starting at the

717
00:34:30,120 --> 00:34:32,560
Speaker 1: in the twenty dollar a month range, and you get

718
00:34:32,600 --> 00:34:36,160
Speaker 1: some of those sports included with that. So consider alternate

719
00:34:36,200 --> 00:34:38,399
Speaker 1: ways of getting your sports in the home. And let's

720
00:34:38,440 --> 00:34:40,520
Speaker 1: say you're paying twenty dollars a month for one of

721
00:34:40,560 --> 00:34:43,680
Speaker 1: those sling packages so that you can watch college football

722
00:34:43,680 --> 00:34:46,160
Speaker 1: on ESPN, whatever it is that you're into. You're getting

723
00:34:46,160 --> 00:34:47,839
Speaker 1: that channel that you want, but you're paying a lot

724
00:34:47,920 --> 00:34:50,239
Speaker 1: less for it, and then there's just fewer channels in

725
00:34:50,320 --> 00:34:52,840
Speaker 1: general for you to peruse, and and you're just probably

726
00:34:52,880 --> 00:34:54,760
Speaker 1: gonna watch a lot less TV where you're just wasting

727
00:34:54,800 --> 00:34:57,520
Speaker 1: your time, right, Yeah, exactly. And so now we got

728
00:34:57,520 --> 00:35:01,400
Speaker 1: to talk about Matt the monthly stream mean subscriptions, because

729
00:35:02,080 --> 00:35:04,719
Speaker 1: let's be honest, at this point, it's kind of gotten

730
00:35:04,800 --> 00:35:10,120
Speaker 1: to a point where people have four or five there's

731
00:35:10,120 --> 00:35:12,640
Speaker 1: a lot of them, right, like sign ups for monthly streaming,

732
00:35:12,680 --> 00:35:15,239
Speaker 1: and it's just it's just too many streaming options at

733
00:35:15,239 --> 00:35:19,360
Speaker 1: that point too. Originally just Netflix than Hulu than Amazon,

734
00:35:19,760 --> 00:35:22,160
Speaker 1: and then you start throwing sling some sports packages in

735
00:35:22,200 --> 00:35:24,480
Speaker 1: there and HBO go, youve got a cobple together this

736
00:35:24,600 --> 00:35:27,040
Speaker 1: content because you want a little bit of everything. Yeah,

737
00:35:27,040 --> 00:35:28,879
Speaker 1: one of one of our listeners was talking about how

738
00:35:29,000 --> 00:35:31,600
Speaker 1: she felt that by the end of it, she was

739
00:35:31,640 --> 00:35:33,600
Speaker 1: just like, you know what, maybe just makes sense just

740
00:35:33,640 --> 00:35:36,880
Speaker 1: to go with the actual the bundle package, because like

741
00:35:36,960 --> 00:35:39,120
Speaker 1: it seems like I might be paying more with for

742
00:35:39,120 --> 00:35:42,200
Speaker 1: for all these different packages altogether. And that might be true,

743
00:35:42,239 --> 00:35:44,919
Speaker 1: because if you're paying for every single small Alex Hart

744
00:35:44,960 --> 00:35:47,160
Speaker 1: option that's out there, well, yeah, that's you know, that's

745
00:35:47,200 --> 00:35:49,600
Speaker 1: that's a lot of money, a lot of subscriptions that

746
00:35:49,600 --> 00:35:51,560
Speaker 1: you're signed up for. Yeah. The tough thing is like

747
00:35:51,640 --> 00:35:54,880
Speaker 1: each streaming service kind of has their signature shows at

748
00:35:54,880 --> 00:35:57,399
Speaker 1: this point, and so so you know, on Netflix they're

749
00:35:57,520 --> 00:36:00,840
Speaker 1: Stranger Things and how's the Call arts. Then on Hulu

750
00:36:00,920 --> 00:36:03,000
Speaker 1: you want to watch The Path or The Handmaid's Tale.

751
00:36:03,440 --> 00:36:06,120
Speaker 1: So I think you can rationalize, you know, I I

752
00:36:06,120 --> 00:36:07,799
Speaker 1: gotta keep this because I love that show. I gotta

753
00:36:07,880 --> 00:36:10,320
Speaker 1: keep this service because I love that show. And there's

754
00:36:10,400 --> 00:36:12,080
Speaker 1: a couple of ways you can tackle it. First off,

755
00:36:12,160 --> 00:36:15,960
Speaker 1: you can share streaming service passwords with your friends. What

756
00:36:16,000 --> 00:36:17,640
Speaker 1: do you mean by that? Joel is like, a moral

757
00:36:17,680 --> 00:36:21,280
Speaker 1: issue there. So yeah, I will say this, there's a

758
00:36:21,560 --> 00:36:23,759
Speaker 1: article that the Washington Post wrote that will put in

759
00:36:23,760 --> 00:36:26,200
Speaker 1: our show notes that was really helpful and thinking through this.

760
00:36:26,360 --> 00:36:31,000
Speaker 1: The terms of service for most of these companies, they're

761
00:36:31,080 --> 00:36:35,480
Speaker 1: totally cool with you sharing passwords, and they they specifically

762
00:36:35,520 --> 00:36:38,360
Speaker 1: set it up to where there are a maximum amount

763
00:36:38,560 --> 00:36:42,839
Speaker 1: of devices allowed to stream like at once at once,

764
00:36:43,120 --> 00:36:44,880
Speaker 1: and so you know, if you shared it with fifty

765
00:36:44,920 --> 00:36:47,640
Speaker 1: two friends, like they shut you down. But Matt, you

766
00:36:47,680 --> 00:36:50,640
Speaker 1: and I we share Netflix, we share Amazon Prime, And

767
00:36:50,680 --> 00:36:52,480
Speaker 1: if you read the Washington Post article, look at the

768
00:36:52,600 --> 00:36:55,560
Speaker 1: terms of service from Amazon and from Netflix, we're not

769
00:36:55,640 --> 00:36:59,400
Speaker 1: breaking any rules and it's actually perfectly okay. You know,

770
00:36:59,560 --> 00:37:02,640
Speaker 1: underneath those terms. One easy way to save some money

771
00:37:02,719 --> 00:37:05,280
Speaker 1: is to share it with a friend. Share your Netflix,

772
00:37:05,320 --> 00:37:08,120
Speaker 1: you know by the middle tier Netflix package, share that

773
00:37:08,160 --> 00:37:10,440
Speaker 1: with a friend, split the costs. Yeah, I mean that's

774
00:37:10,440 --> 00:37:12,439
Speaker 1: a big reason why they started, I mean the past

775
00:37:12,440 --> 00:37:15,279
Speaker 1: couple of years they started rolling out multiple profiles, and

776
00:37:15,360 --> 00:37:18,040
Speaker 1: so I think Netflix may have been the first, the

777
00:37:18,080 --> 00:37:21,200
Speaker 1: first provider to do that, but then shortly after that,

778
00:37:21,280 --> 00:37:23,840
Speaker 1: Hulu did the same thing because essentially what they realized

779
00:37:23,840 --> 00:37:26,000
Speaker 1: were that like, oh okay, well, folks want kind of

780
00:37:26,000 --> 00:37:28,560
Speaker 1: their own little profile to be able to watch the

781
00:37:28,600 --> 00:37:31,359
Speaker 1: shows that that they watch without kind of screwing up

782
00:37:31,360 --> 00:37:34,000
Speaker 1: the recommended shows or whatever else that they kind of

783
00:37:34,000 --> 00:37:36,800
Speaker 1: have going on or or marking it as as as watched.

784
00:37:37,200 --> 00:37:40,160
Speaker 1: But yeah, all that is is going in the direction

785
00:37:40,239 --> 00:37:42,680
Speaker 1: of the fact that they know that folks are are sharing,

786
00:37:42,680 --> 00:37:46,080
Speaker 1: whether it be within a family or close friends, and

787
00:37:46,080 --> 00:37:48,120
Speaker 1: and that's a huge way to save as well. And

788
00:37:48,160 --> 00:37:51,479
Speaker 1: one of the way you can save is by when

789
00:37:51,480 --> 00:37:54,560
Speaker 1: your favorite show comes out, join the streaming service for

790
00:37:54,560 --> 00:37:58,680
Speaker 1: a month, binge your show, and then ditch the streaming service.

791
00:37:58,920 --> 00:38:01,839
Speaker 1: I think we just kind of start paying it every month,

792
00:38:01,880 --> 00:38:04,800
Speaker 1: and then you know, maybe we're sticking around Netflix or

793
00:38:04,880 --> 00:38:07,759
Speaker 1: Hulu for one show that we love, and so, you

794
00:38:07,760 --> 00:38:10,239
Speaker 1: know what, sign up for a month and then ditch

795
00:38:10,239 --> 00:38:12,759
Speaker 1: it and be done. And then next time you know,

796
00:38:12,800 --> 00:38:14,880
Speaker 1: your favorite show comes around, sign up for the streaming

797
00:38:14,880 --> 00:38:17,279
Speaker 1: service again. There's like a lot of outside the box

798
00:38:17,320 --> 00:38:21,440
Speaker 1: ways to tackle this streaming service issue. But there is

799
00:38:21,440 --> 00:38:24,120
Speaker 1: a good chance that you have at this point accrued

800
00:38:24,160 --> 00:38:27,080
Speaker 1: too many streaming services and you're overpaying and you're really

801
00:38:27,120 --> 00:38:30,359
Speaker 1: not getting enough usage out of all of them. And

802
00:38:30,400 --> 00:38:32,640
Speaker 1: so you really need to consider kicking a couple to

803
00:38:32,680 --> 00:38:35,799
Speaker 1: the curb. I feel like that the as trim, Like

804
00:38:35,840 --> 00:38:37,360
Speaker 1: I haven't even used it yet, but I feel like

805
00:38:37,400 --> 00:38:39,160
Speaker 1: that's this is where a site like that would come

806
00:38:39,160 --> 00:38:41,279
Speaker 1: in handy, where it's just like reminding you that, like,

807
00:38:41,600 --> 00:38:43,759
Speaker 1: you know, just kind of prodding you, saying, hey, are

808
00:38:43,800 --> 00:38:45,480
Speaker 1: you sure you want to kind of keep this around,

809
00:38:45,760 --> 00:38:47,520
Speaker 1: because even just thinking about it right now, I'm thinking

810
00:38:47,560 --> 00:38:50,160
Speaker 1: of like, is there something like have I watched shows

811
00:38:50,160 --> 00:38:53,000
Speaker 1: on Hulu recently? Like we pay for Hulu Plus and

812
00:38:53,400 --> 00:38:55,760
Speaker 1: I'm kind of like, man, we haven't even freaking crack

813
00:38:55,840 --> 00:38:58,080
Speaker 1: that app open in the past couple of weeks and

814
00:38:58,160 --> 00:38:59,600
Speaker 1: only and I we're just talking about that because that's

815
00:38:59,600 --> 00:39:01,200
Speaker 1: really biel do we share? And we were like, man,

816
00:39:01,320 --> 00:39:04,919
Speaker 1: we never maybe we should go cut that um. But

817
00:39:05,080 --> 00:39:06,799
Speaker 1: hopefully by the end of this episode two. That's what

818
00:39:06,840 --> 00:39:08,799
Speaker 1: we're kind of wanting you guys to think. We want

819
00:39:08,800 --> 00:39:10,759
Speaker 1: you to think through that, like, what are some things

820
00:39:10,760 --> 00:39:12,960
Speaker 1: that we're just used to paying we're not really taking

821
00:39:12,960 --> 00:39:15,600
Speaker 1: advantage of it. It's maybe a bill that's kind of

822
00:39:15,600 --> 00:39:18,000
Speaker 1: gone up in recent months and maybe we're just too

823
00:39:18,000 --> 00:39:20,520
Speaker 1: busy or too you know, I'll be honest, Like, I'll

824
00:39:20,560 --> 00:39:23,880
Speaker 1: say that I've been too lazy to to shop around

825
00:39:23,960 --> 00:39:26,080
Speaker 1: and that's just kind of where we are with it.

826
00:39:26,160 --> 00:39:28,359
Speaker 1: And you know, I'm paying an extra twenty bucks because

827
00:39:28,400 --> 00:39:30,719
Speaker 1: of that, because I just haven't really gotten around to it.

828
00:39:30,760 --> 00:39:32,920
Speaker 1: And hopefully this will be a good kick in the

829
00:39:32,920 --> 00:39:35,640
Speaker 1: pants for me as well to to be able to

830
00:39:35,680 --> 00:39:37,400
Speaker 1: pull some of my bills down because I know I

831
00:39:37,480 --> 00:39:40,920
Speaker 1: need to. So when it comes to cable, cut the cord,

832
00:39:41,360 --> 00:39:44,160
Speaker 1: moved to streaming. When it comes to streaming, you know,

833
00:39:44,320 --> 00:39:47,520
Speaker 1: cut a couple of those you just keep cutting. You

834
00:39:47,600 --> 00:39:50,760
Speaker 1: ultimately just need less television in your life in general,

835
00:39:51,200 --> 00:39:54,400
Speaker 1: and consider sharing that streaming service with a friend because

836
00:39:54,640 --> 00:39:57,239
Speaker 1: if you're having your costs as well as cutting in

837
00:39:57,239 --> 00:40:00,800
Speaker 1: half how many streaming services you subscribe to, you're gonna

838
00:40:01,000 --> 00:40:04,040
Speaker 1: drastically reduce your bills. Cool man, So you want to

839
00:40:04,120 --> 00:40:06,560
Speaker 1: talk now about just like some of the household utilities,

840
00:40:06,680 --> 00:40:10,080
Speaker 1: you know, like so power, water and like gas. Yeah,

841
00:40:10,160 --> 00:40:13,040
Speaker 1: let's do it all right, So, and it will acknowledge

842
00:40:13,080 --> 00:40:15,000
Speaker 1: right now that they're in that these are can be

843
00:40:15,000 --> 00:40:17,160
Speaker 1: different in different parts of the country. For instance, where

844
00:40:17,200 --> 00:40:20,719
Speaker 1: we live in Georgia, we have deregulated natural gas and

845
00:40:20,719 --> 00:40:23,719
Speaker 1: so we have providers that can market to us and

846
00:40:23,760 --> 00:40:26,319
Speaker 1: provide different rates, and that's not the case in every state.

847
00:40:26,400 --> 00:40:29,680
Speaker 1: So where we live, that's something that we shop. Electricity

848
00:40:29,760 --> 00:40:33,080
Speaker 1: is something that we can't shop that that we essentially

849
00:40:33,120 --> 00:40:36,080
Speaker 1: just have a flat rate that we pay per killer

850
00:40:36,120 --> 00:40:38,640
Speaker 1: watt hour used, and so the only thing we can

851
00:40:38,680 --> 00:40:41,520
Speaker 1: do is drop our usage. And in the same with water,

852
00:40:41,600 --> 00:40:42,880
Speaker 1: the same thing with the water we don't really have.

853
00:40:43,120 --> 00:40:44,839
Speaker 1: We can't like shop our water with the next water

854
00:40:44,840 --> 00:40:48,759
Speaker 1: provider because guess what, there's only one city of Atlanta water, right,

855
00:40:49,040 --> 00:40:52,400
Speaker 1: So most of these things in most states, that's typically

856
00:40:52,480 --> 00:40:55,080
Speaker 1: your option. Yeah, that's the case. It's literally just talking

857
00:40:55,080 --> 00:40:58,200
Speaker 1: about usage and how much water, how much gas, how

858
00:40:58,320 --> 00:41:02,600
Speaker 1: much electricity you are actual using. Yeah, so specifically with water.

859
00:41:02,680 --> 00:41:05,320
Speaker 1: I know, Joel, you like to uh if it's yellow,

860
00:41:05,400 --> 00:41:08,680
Speaker 1: let it mellow. Oh dude, heck yeah. I'm all about

861
00:41:08,719 --> 00:41:11,800
Speaker 1: the yellow let it mellow rule, and I think it's underutilized.

862
00:41:12,080 --> 00:41:13,799
Speaker 1: I think the hardest part about the yellow let it

863
00:41:13,840 --> 00:41:16,360
Speaker 1: mellow is training my kids to do it, because I

864
00:41:17,200 --> 00:41:19,120
Speaker 1: feel bad because like when they go to the school,

865
00:41:19,120 --> 00:41:21,520
Speaker 1: they're probably not flushing the toilet after the U said

866
00:41:21,880 --> 00:41:24,280
Speaker 1: their teachers are like one of these gross kids learning

867
00:41:24,280 --> 00:41:27,600
Speaker 1: at home. Man, they're just like leaving everything everywhere. But

868
00:41:27,640 --> 00:41:30,879
Speaker 1: I think it's becoming a little more societally acceptable. We're

869
00:41:30,880 --> 00:41:36,160
Speaker 1: not cheap, we're just hippies. I think considering that rule,

870
00:41:36,239 --> 00:41:41,960
Speaker 1: considering not flushing after up is worthwhile. Also consider you know,

871
00:41:42,000 --> 00:41:44,600
Speaker 1: there's water saving like shower heads that you can use.

872
00:41:44,719 --> 00:41:47,160
Speaker 1: There's this really cool one that will link to that

873
00:41:47,239 --> 00:41:50,920
Speaker 1: you can buy on Amazon. It's like and you can

874
00:41:51,480 --> 00:41:54,959
Speaker 1: click a button that pauses the will flow of water,

875
00:41:55,080 --> 00:41:56,960
Speaker 1: like let's say, while you're lathering up, you know what,

876
00:41:57,080 --> 00:41:59,080
Speaker 1: be cold for a minute while you're lathering up, and

877
00:41:59,080 --> 00:42:01,080
Speaker 1: then click it back on, and you're just kind of

878
00:42:01,120 --> 00:42:02,840
Speaker 1: saving a little bit of water, a little bit of

879
00:42:02,840 --> 00:42:05,200
Speaker 1: money here and there when you do that. So there's

880
00:42:05,280 --> 00:42:07,120
Speaker 1: a lot of options for saving money when it comes

881
00:42:07,120 --> 00:42:10,760
Speaker 1: to water low flow toilets. Consider like maybe not watering

882
00:42:10,800 --> 00:42:12,840
Speaker 1: your lawn because it costs a lot of money to

883
00:42:12,920 --> 00:42:16,960
Speaker 1: keep your grass green. Maybe consider some alternate landscaping options.

884
00:42:17,400 --> 00:42:20,360
Speaker 1: These are more sort of behavioral things, like there's not

885
00:42:20,440 --> 00:42:23,200
Speaker 1: like techniques necessarily that where you can talk to a

886
00:42:23,239 --> 00:42:26,320
Speaker 1: customer retention department and get them to you know, lower

887
00:42:26,360 --> 00:42:28,920
Speaker 1: your costs. This is gonna come down more to you

888
00:42:29,200 --> 00:42:32,719
Speaker 1: and maybe just challenge yourself to to try some things

889
00:42:32,719 --> 00:42:34,720
Speaker 1: that you're not used to doing, maybe like skipping a shower,

890
00:42:34,960 --> 00:42:36,799
Speaker 1: you know, every other day in the winter, you know,

891
00:42:36,800 --> 00:42:38,840
Speaker 1: when you're not getting hot and sweaty, your skin is

892
00:42:38,840 --> 00:42:41,040
Speaker 1: already dry anyway. Like that's one of my big pet peeves. Man.

893
00:42:41,120 --> 00:42:43,560
Speaker 1: People shower like every day and they like use other

894
00:42:43,560 --> 00:42:46,439
Speaker 1: soaps and they dry out their skin and they're like, oh,

895
00:42:46,520 --> 00:42:48,839
Speaker 1: my skins so dry, and then they get lotion which

896
00:42:48,840 --> 00:42:50,560
Speaker 1: they pay for and then they just pump all the

897
00:42:50,560 --> 00:42:52,880
Speaker 1: so lotion on their skin. If you just showered less,

898
00:42:52,960 --> 00:42:56,080
Speaker 1: then you wouldn't need the lotion, you know. Think about

899
00:42:56,080 --> 00:42:58,560
Speaker 1: it food for thought, dude, it's totally free for thought.

900
00:42:59,600 --> 00:43:01,320
Speaker 1: Like that's that's what you're watching off. Like when you

901
00:43:01,360 --> 00:43:03,400
Speaker 1: get in the shower, you're washing off like the natural

902
00:43:03,400 --> 00:43:05,600
Speaker 1: oils and your skin. That's true. No, that's totally true.

903
00:43:05,600 --> 00:43:07,319
Speaker 1: All my college friends are gonna be like, yeah, dude,

904
00:43:07,320 --> 00:43:08,759
Speaker 1: I remember when you didn't wash your hair for like

905
00:43:08,800 --> 00:43:12,560
Speaker 1: a month in college, And to that, I'll say, yeah,

906
00:43:12,560 --> 00:43:16,839
Speaker 1: that probably wouldn't right. I shouldn't have done that. Sorry

907
00:43:16,840 --> 00:43:20,320
Speaker 1: about that, friends, But literally I mean, I think people

908
00:43:20,400 --> 00:43:22,080
Speaker 1: do we live We live in such a sort of

909
00:43:22,120 --> 00:43:26,600
Speaker 1: sterile like hand sanitizer world where everything has to be

910
00:43:26,640 --> 00:43:29,000
Speaker 1: perfectly clean. I'm not a hippie, but you know what,

911
00:43:29,160 --> 00:43:30,960
Speaker 1: like literally in the winter else I'll skip a shower

912
00:43:31,440 --> 00:43:33,560
Speaker 1: every couple of days or so. And in the end

913
00:43:33,560 --> 00:43:36,320
Speaker 1: that you know that affects our water bills some Yeah,

914
00:43:36,520 --> 00:43:38,399
Speaker 1: and quickly I want to mention a couple of other

915
00:43:38,480 --> 00:43:40,279
Speaker 1: monthly bills and I'm not going to go into the

916
00:43:40,360 --> 00:43:43,040
Speaker 1: specifics on them, but just that you should be aware of.

917
00:43:43,400 --> 00:43:46,000
Speaker 1: And one of them is your home alarm. If you

918
00:43:46,000 --> 00:43:49,160
Speaker 1: have home alarm monitoring, try a service like simply Safe

919
00:43:49,560 --> 00:43:51,560
Speaker 1: or do what we do. We bought something on Amazon

920
00:43:51,640 --> 00:43:54,520
Speaker 1: that's essentially just a noisemaker that you turn. We turn

921
00:43:54,560 --> 00:43:56,399
Speaker 1: on at night before we go to bed, and if

922
00:43:56,440 --> 00:43:59,120
Speaker 1: someone were to mess with the door, the alarm would

923
00:43:59,120 --> 00:44:00,879
Speaker 1: go off. And it was like of teen twelve dollar

924
00:44:00,960 --> 00:44:04,400
Speaker 1: or something like that. Uh, No, monthly service, zero monitoring costs,

925
00:44:04,480 --> 00:44:07,759
Speaker 1: zero monitoring costs. And don't get me started on why

926
00:44:08,080 --> 00:44:12,640
Speaker 1: monthly home alarm monitoring is. It's it's like diamonds being

927
00:44:12,640 --> 00:44:15,640
Speaker 1: sold to you essentially keep your family safe. Hey, don't

928
00:44:15,640 --> 00:44:19,319
Speaker 1: get me started on that. It pisces me off. So

929
00:44:19,360 --> 00:44:24,160
Speaker 1: another thing is your quarterly pest control treatments and those

930
00:44:24,280 --> 00:44:27,640
Speaker 1: are incredibly expensive and it mostly is due to the

931
00:44:27,719 --> 00:44:30,120
Speaker 1: labor of someone coming out to spray your home for

932
00:44:30,120 --> 00:44:32,680
Speaker 1: for pests. And so we have an article on our

933
00:44:32,680 --> 00:44:36,080
Speaker 1: website Poor not poor dot com. You can check it

934
00:44:36,080 --> 00:44:38,200
Speaker 1: out and I walk you through kind of how to

935
00:44:38,880 --> 00:44:41,680
Speaker 1: treat your home on a on your own quarterly basis

936
00:44:41,880 --> 00:44:45,520
Speaker 1: and save hundreds of dollars a year. Edel And I'll

937
00:44:45,560 --> 00:44:48,080
Speaker 1: say that that same chemical, uh, I mean, you can

938
00:44:48,120 --> 00:44:51,319
Speaker 1: use that for like aunt control cockroaches. But that's the

939
00:44:51,360 --> 00:44:52,960
Speaker 1: same stuff that some of the local guys in our

940
00:44:52,960 --> 00:44:56,200
Speaker 1: neighborhood used to spray for mosquitoes. Yeah, we had a

941
00:44:56,200 --> 00:44:58,439
Speaker 1: listener that mentioned in the Facebook group to talking about

942
00:44:58,440 --> 00:45:00,840
Speaker 1: how they hated sprain from is because we have MS

943
00:45:00,920 --> 00:45:03,319
Speaker 1: gets really pretty pretty badly down here in the South

944
00:45:03,719 --> 00:45:05,680
Speaker 1: and to pay a huge feet on a monthly basis

945
00:45:05,680 --> 00:45:07,880
Speaker 1: in the summer here for that, but that it's the

946
00:45:07,880 --> 00:45:09,920
Speaker 1: same stuff, because I like, I literally asked him, I

947
00:45:09,920 --> 00:45:10,960
Speaker 1: was just like, hey, what you know, like what do

948
00:45:10,960 --> 00:45:12,759
Speaker 1: you use And he was totally friendly and was just yeah,

949
00:45:12,840 --> 00:45:14,239
Speaker 1: we just like use this stuff, and I was just like,

950
00:45:14,320 --> 00:45:16,279
Speaker 1: oh my gosh, I've got that. I've got that same

951
00:45:16,320 --> 00:45:18,080
Speaker 1: bottle in my basement that I used to spray around

952
00:45:18,120 --> 00:45:21,720
Speaker 1: my house. Yeah, that's what's called. They have the equipment

953
00:45:21,760 --> 00:45:23,000
Speaker 1: to be able to kind of missed it, you know,

954
00:45:23,040 --> 00:45:24,479
Speaker 1: they got they have it hooked up to their blower

955
00:45:24,560 --> 00:45:26,719
Speaker 1: or whatever. But you start looking around and kind of

956
00:45:26,760 --> 00:45:28,320
Speaker 1: asking around and doing a little bit of research, and

957
00:45:28,360 --> 00:45:30,160
Speaker 1: you'd be surprised at how much of the stuff that

958
00:45:30,200 --> 00:45:33,319
Speaker 1: you can do yourself for much much cheaper. Yea, So

959
00:45:33,360 --> 00:45:37,319
Speaker 1: we're literally using the chemical that the pros use when

960
00:45:37,320 --> 00:45:39,240
Speaker 1: they come to your house to spray, and they're charging

961
00:45:39,239 --> 00:45:42,120
Speaker 1: you four dollars a year, and you cut out that

962
00:45:42,239 --> 00:45:45,080
Speaker 1: person and you buy the product yourself, and you're saving

963
00:45:45,480 --> 00:45:47,440
Speaker 1: I think, you know, we boiled it down in in

964
00:45:47,880 --> 00:45:52,839
Speaker 1: the post, but yeah, what was the math a year? Yeah,

965
00:45:52,920 --> 00:45:55,000
Speaker 1: like literally, you're spending I think under ten bucks a

966
00:45:55,080 --> 00:45:57,600
Speaker 1: year time, so I won seventy three. How much are

967
00:45:57,600 --> 00:45:59,880
Speaker 1: you saving over ten years? It's incredible, it really is.

968
00:46:00,360 --> 00:46:02,160
Speaker 1: And so a couple of other things I just have

969
00:46:02,239 --> 00:46:05,320
Speaker 1: to mention really quickly. If you're paying a fee for

970
00:46:05,360 --> 00:46:08,160
Speaker 1: having a banking account, you really need to change banks,

971
00:46:08,160 --> 00:46:10,840
Speaker 1: because you should be having a free checking and savings account,

972
00:46:11,120 --> 00:46:13,000
Speaker 1: your insurance. We have a post on poor not poor

973
00:46:13,080 --> 00:46:17,680
Speaker 1: about that. Gym memberships, audio memberships, dollar shape club newspapers.

974
00:46:17,719 --> 00:46:19,960
Speaker 1: There's all these memberships that you might be paying for

975
00:46:20,200 --> 00:46:22,560
Speaker 1: in a service like ask trim dot com can help

976
00:46:22,600 --> 00:46:25,520
Speaker 1: you out, or you looking at your own credit card

977
00:46:25,520 --> 00:46:28,839
Speaker 1: bill by yourself can easily do these things as well.

978
00:46:29,400 --> 00:46:31,520
Speaker 1: Make sure that you are not paying too much on

979
00:46:31,560 --> 00:46:34,279
Speaker 1: a monthly basis or subscribing to something that you really

980
00:46:34,280 --> 00:46:37,200
Speaker 1: don't use or really don't need. Yes, Joel Man, So,

981
00:46:37,200 --> 00:46:39,440
Speaker 1: I feel like that's like our final, our final sort

982
00:46:39,480 --> 00:46:42,960
Speaker 1: of strategy approach, which is like consider whether or not

983
00:46:43,040 --> 00:46:45,000
Speaker 1: this is something you even need in your life at all.

984
00:46:45,239 --> 00:46:47,120
Speaker 1: We live in a world where there's so many options

985
00:46:47,120 --> 00:46:48,680
Speaker 1: that are presented to us, and like we want to

986
00:46:48,680 --> 00:46:51,160
Speaker 1: be able to have access to everything all the time.

987
00:46:51,600 --> 00:46:54,759
Speaker 1: In reality, is it really necessary? Are you actually going

988
00:46:54,800 --> 00:46:56,319
Speaker 1: to do those things? Are you actually going to go

989
00:46:56,360 --> 00:46:58,160
Speaker 1: to the gym instead? And maybe you should just go

990
00:46:58,239 --> 00:47:00,200
Speaker 1: for a walk or go for a run or or

991
00:47:00,440 --> 00:47:04,120
Speaker 1: there's just different things that we think we need and

992
00:47:04,160 --> 00:47:06,160
Speaker 1: we might do them for a little bit. We get

993
00:47:06,239 --> 00:47:08,920
Speaker 1: used to paying the bill and that we don't continue

994
00:47:08,920 --> 00:47:12,160
Speaker 1: to do whatever it is that they're offering. And those

995
00:47:12,200 --> 00:47:13,640
Speaker 1: are the things that we want to cut. If there's

996
00:47:13,640 --> 00:47:16,120
Speaker 1: something that you do that you love doing every month, man,

997
00:47:16,600 --> 00:47:19,239
Speaker 1: keep it up. Like there's there's certain things that we

998
00:47:19,280 --> 00:47:22,080
Speaker 1: pay for every month that's worth every single penny, and

999
00:47:22,120 --> 00:47:25,000
Speaker 1: we would never cut those things. My eleven dollar Netflix

1000
00:47:25,040 --> 00:47:28,160
Speaker 1: bill that we split is completely worth it. They're worth it.

1001
00:47:28,239 --> 00:47:30,120
Speaker 1: Are so many good shows on there that from time

1002
00:47:30,160 --> 00:47:32,520
Speaker 1: to time I get around to watching, and my water

1003
00:47:32,600 --> 00:47:36,520
Speaker 1: bill is completely worth it. I'm not going to cut that. Yeah,

1004
00:47:36,560 --> 00:47:38,279
Speaker 1: there's certain things that we don't have control over whether

1005
00:47:38,320 --> 00:47:40,040
Speaker 1: or not we have, but we do have control over

1006
00:47:40,320 --> 00:47:43,400
Speaker 1: how we use those utilities. So we just want you

1007
00:47:43,400 --> 00:47:45,919
Speaker 1: guys to consider some of these things and hopefully you'll

1008
00:47:45,920 --> 00:47:49,040
Speaker 1: be able to sort of reduce your monthly bills. All right,

1009
00:47:49,080 --> 00:47:50,799
Speaker 1: mat So back to the beer. What's your take on

1010
00:47:51,000 --> 00:47:55,560
Speaker 1: Boulevard Brewing Company Grand Crew Barrel aged Ale. Dude, this

1011
00:47:55,600 --> 00:47:57,400
Speaker 1: is a solid beer. I feel like it's got like

1012
00:47:57,440 --> 00:47:59,920
Speaker 1: a nice sort of chewy flavor to it, you know

1013
00:48:00,000 --> 00:48:03,319
Speaker 1: what I'm saying. It's got like that sort of brown chewy. Yeah,

1014
00:48:03,320 --> 00:48:08,080
Speaker 1: brown chewies tastes like Brown's Brown Chewies Brown Chews with

1015
00:48:08,200 --> 00:48:11,320
Speaker 1: us being a bigger beer, I can feel it a

1016
00:48:11,400 --> 00:48:13,719
Speaker 1: little bit. And again, if you want to hear what

1017
00:48:13,880 --> 00:48:16,959
Speaker 1: we sound like drunk, listen to us in half beed. Yeah,

1018
00:48:17,080 --> 00:48:20,160
Speaker 1: grab your phone right now, switch it from times one

1019
00:48:20,360 --> 00:48:25,640
Speaker 1: two uh half speed and it'll sound awesome. No, man,

1020
00:48:25,680 --> 00:48:27,480
Speaker 1: I think this is a really fantastic beer. I don't

1021
00:48:27,520 --> 00:48:29,879
Speaker 1: drink a lot of quads anymore. I feel like it's

1022
00:48:29,880 --> 00:48:31,880
Speaker 1: been I mean literally, it's probably been close to a

1023
00:48:31,960 --> 00:48:35,040
Speaker 1: year at least since I've had a quad. And it's

1024
00:48:35,120 --> 00:48:38,480
Speaker 1: just a fantastic style on. I need more quads in

1025
00:48:38,480 --> 00:48:40,880
Speaker 1: my life. Yeah, and I think a quad is like

1026
00:48:40,920 --> 00:48:44,480
Speaker 1: a perfect winter beer. Uh. A quad, by the way,

1027
00:48:44,480 --> 00:48:51,000
Speaker 1: traditionally a Belgian beer, and it's usually higher a BV, thicker,

1028
00:48:51,080 --> 00:48:53,560
Speaker 1: darker beer. Uh. And it usually has like kind of

1029
00:48:53,640 --> 00:48:56,560
Speaker 1: raisin fig fruit notes in it at the same time.

1030
00:48:57,120 --> 00:49:00,200
Speaker 1: And this is a blend of quad and with key

1031
00:49:00,239 --> 00:49:04,560
Speaker 1: barrel aged Imperial stout, it's truly delicious. Thanks to Bulevard

1032
00:49:04,600 --> 00:49:07,319
Speaker 1: again for sending this over. We really dig it all.

1033
00:49:07,360 --> 00:49:09,640
Speaker 1: R Joe. Let's do a quick recap. Let's talk about

1034
00:49:09,640 --> 00:49:12,720
Speaker 1: some of the quickly ways to cut your monthly bills.

1035
00:49:12,960 --> 00:49:15,320
Speaker 1: So first, you need to remember that your monthly bills

1036
00:49:15,360 --> 00:49:17,879
Speaker 1: add up. And if you if you're not thinking about

1037
00:49:17,920 --> 00:49:20,160
Speaker 1: the rule of one seventy three that Matt mentioned, you're

1038
00:49:20,200 --> 00:49:23,720
Speaker 1: not thinking about how these bills actually, over time decrease

1039
00:49:23,760 --> 00:49:26,879
Speaker 1: your net worth and you're wasting money every month, then

1040
00:49:27,239 --> 00:49:30,440
Speaker 1: that's really the impetus behind cutting your monthly bills. You

1041
00:49:30,480 --> 00:49:33,560
Speaker 1: might think they're small bills, but over time they're meaningful

1042
00:49:33,600 --> 00:49:36,040
Speaker 1: to your bottom line. So first, let's talk about some

1043
00:49:36,040 --> 00:49:39,240
Speaker 1: of the general strategies, and this should apply to most

1044
00:49:39,320 --> 00:49:41,640
Speaker 1: all bills that are out there. So the first thing

1045
00:49:41,760 --> 00:49:43,680
Speaker 1: shop it. You don't want to be a loyal customer

1046
00:49:43,800 --> 00:49:47,799
Speaker 1: to like your insurance company or to utility. You might

1047
00:49:47,800 --> 00:49:49,520
Speaker 1: want to be a loyal customer to like a local

1048
00:49:49,880 --> 00:49:52,520
Speaker 1: store or like restaurant that you visit, but loyalty does

1049
00:49:52,560 --> 00:49:54,680
Speaker 1: not pay off when it comes to utilities. You'll see

1050
00:49:54,680 --> 00:49:57,720
Speaker 1: your rates continue to climb. And actually read your credit

1051
00:49:57,719 --> 00:50:00,359
Speaker 1: card statements. Most people they get the email or they

1052
00:50:00,360 --> 00:50:03,160
Speaker 1: get it in the mail and they don't open it.

1053
00:50:03,480 --> 00:50:05,919
Speaker 1: Read your credit card statements go through a line by line.

1054
00:50:06,120 --> 00:50:08,840
Speaker 1: You'll know where your money is going every month and

1055
00:50:08,880 --> 00:50:11,400
Speaker 1: whether you're spending too much on a service that you

1056
00:50:11,560 --> 00:50:14,600
Speaker 1: don't value, or money on a service that you don't

1057
00:50:14,600 --> 00:50:16,960
Speaker 1: care for at all. And on that note, use a

1058
00:50:17,000 --> 00:50:20,280
Speaker 1: service like ask trim dot com. Uh, it's really cool

1059
00:50:20,360 --> 00:50:23,080
Speaker 1: and it's free and can just kind of notify you

1060
00:50:23,120 --> 00:50:25,200
Speaker 1: of some things that you need to cancel, and you

1061
00:50:25,239 --> 00:50:27,840
Speaker 1: know what, they'll actually help you cancel it so that

1062
00:50:27,920 --> 00:50:29,920
Speaker 1: you don't have to do that hard work yourself. And

1063
00:50:29,960 --> 00:50:32,960
Speaker 1: also another strategy is to get to know the customer

1064
00:50:33,000 --> 00:50:36,439
Speaker 1: retention department. Ultimately, you need to be willing to walk

1065
00:50:36,440 --> 00:50:39,440
Speaker 1: out the door, know what the competitors are offering and

1066
00:50:39,480 --> 00:50:41,160
Speaker 1: get them to price match. And if they're not willing

1067
00:50:41,200 --> 00:50:43,640
Speaker 1: to meet you there and match that, you need to

1068
00:50:43,640 --> 00:50:46,239
Speaker 1: be willing to hop over to the other provider. And

1069
00:50:46,280 --> 00:50:49,600
Speaker 1: the final thing, consider just getting rid of it. Drop

1070
00:50:49,719 --> 00:50:53,680
Speaker 1: that bill, whether it's cable or some of your monthly

1071
00:50:53,719 --> 00:50:56,439
Speaker 1: streaming services. You've got too many. You kind of gotten

1072
00:50:56,440 --> 00:50:59,800
Speaker 1: into that trend where you've got five six monthly streaming

1073
00:51:00,000 --> 00:51:02,960
Speaker 1: pervioces is that you're paying for. Consider cutting it out

1074
00:51:02,960 --> 00:51:06,240
Speaker 1: altogether or at minimum splitting it with a friend. Because really,

1075
00:51:06,320 --> 00:51:08,560
Speaker 1: going back to the beginning of the show, we want

1076
00:51:08,640 --> 00:51:11,760
Speaker 1: you and we want ourselves to watch less TV in general,

1077
00:51:11,880 --> 00:51:14,279
Speaker 1: it's just a waste of your time and man, and

1078
00:51:14,400 --> 00:51:17,680
Speaker 1: also there's not just an easy sort of answer. Like

1079
00:51:17,719 --> 00:51:19,239
Speaker 1: a lot of these things. You can, yeah, you can

1080
00:51:19,239 --> 00:51:20,759
Speaker 1: make a phone call, you can kind of ask around,

1081
00:51:20,800 --> 00:51:23,520
Speaker 1: shop around. But ultimately, if you're looking to reduce your

1082
00:51:23,560 --> 00:51:26,480
Speaker 1: monthly bills, a lot of it is is based on

1083
00:51:26,600 --> 00:51:29,480
Speaker 1: your behavior and sort of having the discipline to say

1084
00:51:29,520 --> 00:51:31,680
Speaker 1: no to certain things and to cut certain things out

1085
00:51:31,719 --> 00:51:34,560
Speaker 1: of your life, and ultimately you're going to see the

1086
00:51:34,600 --> 00:51:37,600
Speaker 1: most difference in making those kind of changes in your life.

1087
00:51:38,160 --> 00:51:40,840
Speaker 1: So thanks for listening. If you like this show, please

1088
00:51:40,920 --> 00:51:44,439
Speaker 1: review and subscribe on Apple Podcasts or wherever you listen.

1089
00:51:44,560 --> 00:51:47,120
Speaker 1: It really means a lot. Thank you for subscribing and

1090
00:51:47,160 --> 00:51:50,239
Speaker 1: listening and being a part of this awesome community. We're

1091
00:51:50,239 --> 00:51:53,319
Speaker 1: having a lot of fun. Until next time, Best Friends Out,

1092
00:51:53,600 --> 00:52:00,200
Speaker 1: Best Friends Out. No