4th step - Reduce Expenses

4th step in the "9 steps to get out of debt, Ashley-style" is reducing your expenses

Lower your monthly bills where you can!

Cell phone, insurance, subscriptions - OH MY!

Do you like a certain cell phone provider's towers?

You may be able to get a cheaper plan with a different provider who uses the same towers

Tello uses T-mobile's towers

Here's a referral link to a $9/mo phone plan through tello - unlimited calls and text, 1GB of data; REFERRAL CODE = p3czd7qq

Shop around for cheaper car/home insurance, especially after your credit score goes up.

Increasing insurance deductibles lowers your monthly insurance bill - you can always go back and increase. Please do your research and due diligence on this before making that call, but this is something we've done in the past.

I'm not a fan of depriving oneself of enjoyment/entertainment, but explore removing subscriptions temporarily

What do you recommend to lower expenses?

<3,

Ashley