Save money on your telephone bill and put money back into your own pocket!
Buy an external answering machine and save $60-120 a year. Skip the call waiting feature, they will call back! Use a long distance calling card for the cheapest rates; or use VOIP services like Skype to talk to loved ones over the internet for free (chat) or a low monthly rate (phone)
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My husband and I throw change into a large bottle for a year. Canada has loonies and toonies so it can add up fast ( that's $1 and $2 coins for those that don't know) By vacation time, we have enough saved for our excursions etc. I bought a $900 bedroom set once with the change saved.
I also save some bills here and there and when I get enough, I change them to a hundred dollar bill and save it. I won't spend a $100 bill as fast as small bills. Then I treat myself to something nice.334
I bought this great 8 pocket organizer from Walmart for $4. It has four large pockets and then in front of each is a smaller buckled pocket. (Wish I could post a picture.)
I use the larger pockets to put my bills unfolded in order by date due (one pocket per bill) then as the bill gets paid, I fold it in half write the date I paid it and stick it in the smaller buttoned pocket.
It has really helped me get my bills under control. No more piles of mail and no more missed deadlines/late fees
They come in four different colors. I set my mother in law up with a blue one for Credit card bills, green for taxes and lawyer bills, pink for utility bills. she has all three pocket organizers in one of those cardboard magazine holders and now all you see is clean! No clutter and easy to maintain.
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