ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

How to make cutbacks in order to pay monthly expenses

Updated on October 6, 2014

The back story

Recently, my financial situation took a big hit last month My wake up call arrived when it was revealed that there was $1.70 in my checking account. There were several wrong turns taken when trying to quick fix my computer. When the smoke cleared, there were three companies vying for the repair of my laptop.All of these companies had to go. The expense of upkeep took a big chunk of my funds.

What would become of my blunder? Would my mother be mad? There was panic, but only momentarily. There were two weeks left in August Barring major medical issue, even this could 've been mangedMost of my cushion the last two mess ups were taken because of those other problems. As a matter of fact, there was a few hundred still needed to have gotten out of the other situation.




The companies grumbled but gave back some money

Avangate was the most expensive in that not only did they charge $349 for the repair and driver update to this laptop they tried to convince me to cover the desktop in my bedroom, which was another $300. Since Jobz For Writers was breathing down my neck to finish a 50 page project, and the due date was less then 24 hours away, desperation settled in even though they read to me a certification statement on the contract.

There were two other charges from Answers By and Speedy PC The last person actually called me on the phone and tried to “fix” my access to the internet. The problem never was solved after five hours of trying to get into my computer. My calling the company before them to fix my problem revealed that they didn’t even know who that mysterious person was. Needless to say, there was a lot of suspicion over this incident.


When the bills came due, they were not only unwanted, some were fraudulent, .or done by coercion. Thankfully most of the companies agreed to give me back a big chunk of my money, even after grumbling about what was known to have been given. Avangate gave me the biggest refund. of $450 out of $688.05. They took about $199 because of my calling twice. Answers By gave me back $50 because of my calling the tech for help also. Speedy PC had no toll free number. After telling the credit card company all that happened, they gave me all of the money charged to the card back. If there was no contact from them by October 21 of this year, the dispute stayed final and in my favor. This cut my bill from what it was to $148.12.




Cutting the unnecessary

After looking at my bank statement, there were several things that did not change. Consequently these expenses like Medicare A, B and D did not change, as well as my life insurance policy or my renter's insurance policy. Neither did my magazine subscription. These weren't to be tampered with.

  • One of the Income Solutions credit card payments was sent back to my checking account. There was no need to make two payments a month.
  • And canceling my monthly CBN donation added another $20.

This only gave me a a little bit of what was needed to pay the bills in September. One of the credit card minimum payments was $104.27. It made me look at other reductions that could be made.


Taking a hard look at other expense reductions

The task wasn’t finished yet. There were other cuts that needed to have been made to maintain survival. People joked about my cell phone being the most expensive charge of my bills. They were wrong. My cable and internet bill was a major chunk with Starz Encore Movie Channels and Turbo Internet. They said by cutting the above $20 was to be saved but it made me happy seeing the bigger decrease.

  • My cell package was over a year old. Somehow my entire data got used up earlier in September. By moving up to 4G, my savings was $5
  • Groceries were need based only and paid out of pocket instead of by check. It made me happy staying within the $20 limit at least once.






Vindication

At the end of all this trouble, there was a light at the end of the tunnel. There was a big chunk left in my checking account as a result of all those major reductions and cutbacks in my expenses. There might've been enough to have gotten a quote later to upgrade to Windows 7.

Comments

    0 of 8192 characters used
    Post Comment

    No comments yet.

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://hubpages.com/privacy-policy#gdpr

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)