Due to the pandemic, it’s even more important to be more conscientious of where your money is going and to cut down where we can.

Below are some tips to help save you money. 

👉🏻 Save on your cellphone bill. I have a number of clients who pay at least a hundred  dollars on their cellphone. Research and look around for a cheaper plan. I pay only $35. I actually don’t use a real phone anymore. I wrote a blog post about how I cut my phone bill in half. I haven't used a real phone for almost 4 years now and I love my iPad. 

👉🏻 Borrow your books from the library instead of purchasing it. Due to the pandemic, check out the e-books. Lots of libraries offer this option now. Here are over 300K books you can download from the New York Public library for free. 

👉🏻 Make your own coffee instead of spending at Starbucks or Peet’s, even as take out. Once in awhile treating yourself is fine but if you go there almost everyday, that can add up. Same concept applies to food and eating out. Learn to cook and buy groceries and prepare meals for now.

👉🏻 Check your monthly expenses. Are you still using those subscriptions you’re paying for? Having a budget will make you more aware. I have lots of clients who didn’t realize they were paying for subscriptions they no longer are using. Check the link to my budgeting course.

👉🏻 Have a budget! And make sure you’re spending less than you make! At this time, that’s even more important! Don’t know where to start? Check out my budgeting course. 


Anymore you would like you add?


As always, if you need someone to talk to, feel free to set up a time to chat with me.

I personally don't think there's anything wrong in owing the IRS some money. I prefer this over a refund. Why? Because owing money means you got a ZERO percent interest loan from the IRS versus them getting the interest free loan from you through a refund. The only thing I would want to avoid is the underpayment tax penalty. There are 3 ways to avoid that and I talk about that in the video below.

Why should we start budgeting?

Are you a home owner?  Have you wondered if it's worth paying off mortgage early versus doing something else with that money?

In this video, I share with you what we have decided and what gives us a better rate of return.

Enjoy the video!