Monthly Archives: January 2010

Best of the Rest: Contest Edition

It’s Sunday, which means the Your Negotiators contest is over and we’re here to announce the winners. And they are…@bucksome, @mgmommy0930, and Michael. Congratulations! They’ve been contacted and after working with Your Negotiators, hopefully we’ll get a testimonial about how the experience went.

This week’s must-reads:

Two are from Financial Samurai, who had some very interesting and thought provoking posts: The first is the Alexa Ranking Challenge, which you’ll hear more about a little later in the week here, and Tax Refunds Are Good For Most People, Because Most People Can’t Save.

MoneyNing asks: Are Your Money Matters A Bunch Of Lies? The post goes into several ways we tell ourselves lies when it comes to money.

The Frugal Lawyer details her experience Saving Money With Cox And Verizon Wireless by using SIMPLE ways to shave $240 off her cable and cell phone bills.

Fiscal Geek answers a reader question about the American Dream becoming a Nightmare.

20 Something Finance explains all about the Retirement Contribution Credit. I got so close! The very last line of his post got me! Grrr

The following carnivals included my posts this week!

Ultimate Money Blog hosted the Money Hacks Carnival – How To Use A Windfall

Million Dollar Journey hosted the Carnival of Personal Finance – Impressing Your Friends Can Cost You

Cooking Manager hosted the Festival of Frugality – Guest Post at You Have More Than You Think – The Pinnacle of Frugality

The Carnival of Debt Reduction – Guest Post at Money Relationship – Why I Don’t Stress About My $23,000 Pile Of Debt

Your Negotiators Contest Sign Up!

We are currently running a contest to let someone else negotiate your bills for you. Check out Tuesday’s Giveaway post for more details.

So apparently sending a post only to RSS readers is harder than I thought, so this is the new sign up page.

Simply leave a comment here and you’ll be entered!

Anyone signed up for e-mail alerts will receive an extra entry. Deadline to sign up for e-mail or leave a comment on this page is Saturday 11:59pm EST.

Voluntarily Choosing Simplicity As A Middle Ground

Everett S. blogs about his family’s experiments in simple living on his blog about living the simple life and shares how-to videos from his Simple Living Skills Channel on YouTube.

When we hear “voluntary simplicity” most people think about hermits who quit their jobs and trot off into the woods to live in a shack. However, you don’t have to drop off the grid completely to simplify your life. People all over the world are starting to realize that simplicity comes in many shades.

Our shade of simplicity allows me to work a full-time job from home using high-tech conveniences like laptop computers, high speed internet access, printer, fax machine, VOIP… It is hardly the life of a Luddite. But it also allows me to spend that would-be commuting time with my family, and to live in a rural area where we can keep goats, chickens, bees, and grow much of our own food.

Choosing to simplify your life doesn’t have to mean a move out to the country or a full-time telecommuting job either. We started years ago while still living in Denver, Colorado and working in cubicles. First we gave up crap we didn’t “need”. I cut the cable off and found out how much better local news was than the sickening, repetitive, opinionated “analysis” they play ad-nauseum on cable news channels. I cut the satellite radio off in our cars and rediscovered the joy of playing audio books on CD during my commute. I even learned Spanish… un poco. We started spending time together making Christmas gifts for family (soap, cheese, scarves…) instead of fighting mall traffic and lines during the holidays – and learned how much more people appreciate a hand-made gift, and how much more enjoyable it is to make them than to buy them.

We kept our good “city jobs” for several years. Instead of buying big flat screen TVs like all of our friends, we just kept our perfectly good oldschool 27″ box TV. Instead of buying all new fancy furniture for our living room my wife sewed covers for our thrift-store couches. They were comfortable and looked great. I took leftovers to work for lunch, had a pretty good sized garden in the backyard, and made my own yogurt for breakfast every week.

But we still went to the movies at least twice a month – popcorn, soda and all. We still went out to dinner sometimes on weekends. We still went snowboarding and had the occasional drink at the bar with friends. In other words, we never once felt “deprived” of anything, yet were able to save enough money over several years to pay off all credit cards, pay off a new car in 8 months, and put a 20% deposit down on our new farm.

We could have had the attitude that if we’re not going to do the voluntary simplicity thing “all the way” then we might as well not do it at all. Or we could have taken it to the extreme, quit our jobs and moved off the grid and into the wilderness. But neither answer seems right for the average American family. Our politics are polarized with no middle ground and look where that has taken us. It is time we start looking for the golden mean – the middle way – and in this way we can live happy lives as productive members of the greater community without falling into a consumerist gotta-have-it-now mentality.

Free Bill Optimization Giveaway!

I absolutely hate to see people wasting money on phone, Internet, and cable bills. It drives me crazy when people pay extra for features they don’t use or have 3 text message plans on the account for $15 each when a $30 one would make texts unlimited for the whole family.

A good friend of mine, Jason, is starting a side business of negotiating on the customer’s behalf to help reduce the cost of monthly bills. He, like I, wants to help people save money by eliminating unnecessary expenses. Here’s his story of how he helped an older couple on Sunday:

I traveled with my girlfriend to her grandparents’ house to help with things around the house and to chat with them.  They happened to be opening their internet and cable bill as I entered. Being that I like helping them for obvious reasons and because I seem to have a knack for lowering bills, I asked them to see their bill. Upon first glance, I noticed they were paying $90 more than I was per month and didn’t even have as many features as I did. They had very basic cable and internet and were paying $150. Part of that was for a rental fee on five cable boxes, but $150 still seemed ridiculous to me.

I placed a call to one of my favorite (NOT!) companies: Comcast. A nice man got on the phone and the party began. I asked him how they pay so much a month and he told me that they pay regular price for both with no deals included. Since everyone has some kind of deal, I told him how I saw on the internet that they have a bundle for $69.99 a month. After a while of looking around probably at nothing, he said the best he could do was $79.99 a month. That was way better than $110, so I agreed. He then quoted me a new price and said the taxes would be $10. I had just saved them $30 a month, but somehow the taxes increased, and being the math person that I am, I could not let this go.

I asked him how the taxes could be higher on a lower bill. The customer service representative didn’t have an explanation and could not even try to give me one. Since we agreed that taxes can’t be more when the bill is less, I asked for a $4 credit. Instantly he said that it sounded reasonable and I had just saved her grandparents $34 a month. That savings comes out to $408 yearly.

Jason has graciously offered to help 3 people who sign up through this contest for free. His usual fee is the first month’s savings (that’s only 8% of you SAVINGS!) and he saves the average customer over $300 per year. This isn’t for someone who calls every 3 days to negotiate their bills, but there are plenty of people who just don’t know where to get started. Jason can help you. For free!

You may earn entries in three ways:

1. Earn one entry by emailing YourNegotiators@gmail.com and requesting his service. Mention the site!

2. Earn two entries by subscribing to my feed via RSS or email (There will be a special post sent only to RSS and email readers on Sunday with instructions to confirm submission, which must by done by Sunday at 8am EST. If you are already a subscriber, you will get this email, too!).

3. Earn two entries by following me on Twitter.

4. Leave a comment at the contest page.

I will pick the three winners using Random.org and on Sunday will contact the winners as well as announce them on the blog.

Good Luck!!