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Posts tagged with: sprint

3 Financial Issues

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Hi friends!

First, I just want to apologize for the fewer blog posts as of late. I’ve typically been really good about posting a minimum of 2 per Monday (sometimes 3) plus one more on Thursday or Friday. But the past couple weeks it’s been tough to find the time for even one post! It’s not that I don’t have anything to talk about. Trust me – I could talk PLENTY about our finances/budget/etc. It’s just that there’s never enough time! Now that the semester is really going strong it’s like a balancing act to keep everything together. I love my jobs (both of them) and am so thankful for them, but they require a lot of time and between work and dealing with my father’s health issues….well, saying I feel a bit overwhelmed is an understatement. Regarding the latter, we’re hoping to have his move to Texas (closer to family) complete-ish in the next couple weeks. I say “ish” because there will still be lots left at his house in Utah that my siblings and I will have to deal with in the coming months. But as much as we want to get the house on the market ASAP, we’re thankful to be in a financial position where we have the flexibility to let it sit a couple months until we have the proper time to deal with it all. Regarding this – anyone have experience with selling a (still furnished, in need of some repair) home out-of-state? I’m hoping we can hire an estate planner person to go sell the remaining stuff and subcontract out any needed repair work. We’ll also have to hire a lawn company and perhaps a cleaning service to keep it looking nice while it’s vacant and on the market. Any tips or suggestions in this regard?

That aside, I really had planned for the purpose of this post to be about 3 financial issues I’ve dealt with this month.

  1. Comcast:  In my last budget post I mentioned that I’d been dealing with some cable/internet provider issues. Our bill has typically been around $110-ish, but then I received a bill in August for $150!! I’d called and thought everything was resolved…until I got a new September bill also for $150! No way, Comcast! Not today! You’ve messed with the wrong person! Generally when these issues pop up it’s 100% worth it to go into the store (the local branches have infinitely better customer service than the call center people). But I logistically couldn’t make it happen between work and childcare schedules. So I called and basically geared up for a fight (though, to be clear, I always try to remain respectful when in these types of situations. It’s easier to catch flies with honey than vinegar!) I did have to ask for a manager, but I explained the situation – basically, last month they said they’d given me a credit and all was resolved, but in fact the current month bill shows that my payment was considered a partial payment. Meaning, there was no credit ever given to my account. So it showed I still owed the remaining balance. I’ve found that it helps when you tell the manager exactly what will make you happy. I mean, be reasonable. But it’s not okay to scream and yell and pitch a fit. No one wins in that scenario. Instead, have some idea of a compromise or solution that will fix the problem and be mutually beneficial for both parties. I already had in mind my solution:  just give me a credit that will take my bill down to $110 (the normal monthly payment). I’m already in a new promo rate so I don’t want to change that, but I refuse to pay the full $150 bill when I’d been told my account had been credited, all was resolved, yada yada yada. So make my bill $110, and we’ll be good. The manager had me hold for a minute and did one better. Gave me a credit so my current month’s bill is $97.02. Even better than what I’d asked for. Next month should be back to the regular rate (about $110ish). This time, I got the manager’s name and took notes of the call so I have them for reference just-in-case. But I’m hopeful that this situation is now fully resolved.
  2. Phone service: A couple months ago we switched phone providers to get a (slightly) better rate and get a free upgrade to newer phones. After canceling we received a GIANT ($250) phone bill from our old provider. But part of the deal with our switch is that our new provider would reimburse us the cancellation fee to buy us out of the contract. Rather than send us a check, they just take it off our our bill. So last month we had a huge bill to pay (to our old provider), but I was hoping it would even out this month when we got our new provider’s bill, showing the $250 credit. Turns out all is good in that area. This month we’ll have a much lower bill (but to remind you so it’s not a surprise with my next budget post – I’d fudged my August budget a bit. I paid the full $250 for the old phone network last month, but I cheated a little and split it half-way in this month. So I’ll still be reporting charges this month in my budget update at the end of the month. But really that was money that was paid for awhile ago). In October, things in this regard will be all smoothed over and we’ll be comfortably paying our new bill.
  3. Navient. Y’all. I can’t even. I cannot. Remember my “best day ever” post where I said my Navient issue was resolved? Ha! Nope! It seriously makes me so angry just thinking about it so I’m going to keep this brief for the sake of my blood pressure and psychological wellbeing. Long story short – issue is NOT resolved. They still have my loan (which was just transferred from another loan servicer, ACS) categorized as unsubsidized. They claim its a valid unsubsidized loan. Many, many hours (literal hours) of my life have been spent talking to all kinds of people – Navient’s customer service, Navient’s escalation department, the loan guarantor, national student loan database services, and on and on and on. We’ve reached a point where I’ve had to contact a loan mediation service (it’s free for me – part of the federal government, I guess). But they don’t move quickly. My last call to them was Friday and they said I wouldn’t hear back for 7-10 business days. So, yeah. In the meantime, I’m being charged interest out the wazoo for this student loan that is supposed to be subsidized (and, therefore, unpaid interest is supposed to be forgiven). So its going to totally mess up my debt totals when I do my next debt update (hopefully coming this Thursday! I’ve been holding off hoping that I’d get this issue resolved so I could report accurate debt totals, but no dice). I swear this issue has taken years off my life due to the stress and headache of it all. I know on my last post many people suggested reaching out to a class action lawsuit attorney (since Navient has so many pending lawsuits against them for wrongfully charging extra interest, etc.). I’m hoping the mediation can help us come to a resolution. I’m just so strapped for time I don’t even know what to do. It’s a huge burden in my life and just makes me wish I could write a check and be debt-free today. It’s just so wrong and it feels like there’s no ramification. No way to hold them accountable. I feel a little bit defeated at this point. But I’m keeping the course with the mediation route and hoping for some success at the other end. I’ll keep you updated.

So that’s the update on my 3 financial issues. As per usual, this was way lengthier than I’d originally intended. heh. Guess I had a little time after all. I’ll try to get a debt update post put together for you guys for later this week (Thursday or Friday). Thanks for your support along the way!!!


Cutting Costs and Saving Money

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I’ve been diligently working at trying to cut some costs around here, with some mixed-results to share.

First, let me share another of my money saving tricks (see more here and here). This one really isn’t a “trick,” but still fun to share.

Remember how I mentioned that one of my friends was gifting me a hand-me-down dehydrator when she upgraded to a newer one? Well, I inherited the new-to-me dehydrator last week and I have been a FRUIT-LEATHER MAKING MACHINE since then!!!

To be fair, right now the prices on strawberries are at their once-a-year low. For the past 3 weeks I’ve been stocking up every time I go to the store. I’ve been able to get pints for as little as 89 cents, and I’ve bought about 2 pints per week the past 3 weeks. Some of them we’ve eaten (lots of smoothies and strawberries as snacks), some of them we’ve frozen for later (my goal is to really stock up now at the all-time low so we have strawberries still on-hand once prices go back up), and some of them we’ve used to make fruit leather!

It couldn’t be easier! You heat up strawberries on the stove-top with a little water (about 1/2 cup water per 4 cups fruit), then mash with a  potato masher (or throw in a food processor or blender), then add sugar to your desired sweetness, a little lemon juice, and that’s it! You can do it with all kinds of fruit, too. So far I’ve done plain strawberries, strawberry-banana, and strawberry-orange-pineapple. Loved them all!

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When it’s done dehydrating, I put the sheets of fruit leather on parchment paper, roll up, and store in the fridge. I did a calculation to see how much it costs to make my own versus buying fruit roll-ups from the store. I haven’t bought fruit roll-ups (ever), but I found a price for buying bulk online.

  • You can buy a 3 pack (10 roll-ups per pack) for 9.25 = .31 cents per roll.
  • I can make 1 sheet (4 roll-ups) out of 1 pint of strawberries ($1 or less) = .25 cents per roll.

Not a huge savings, but it’s 100% natural. It’s probably even more of a savings compared to the fancy fruit leather that’s sold in individual packages at stores nowadays. In all, probably not something we’ll be doing year-round, but its a fun little Spring treat when strawberries are in season and on sale for cheap!

Now, onto cutting costs….

I’ve been looking at every area of our monthly budget to try to cut costs and one thing I had zeroed in on was our phone bill.

I have a success to share – I managed to lower our phone bill (wahoo!), but perhaps not as much as I could have if we’d switched providers.

In the interest of full transparency, I <3 my phone! For real! I had pined over the iphone for years and finally bit the bullet and bought one when they came out with the 5c, since it was so much cheaper than the regular iphone (I switched from TMobile to Sprint in order to get it). So this is still really new to me. I’ve only had my “baby” for about 6 months at this point and I lurve it! I really do!

When talking about trying to reduce my wireless bill (it was a whopping $150/month!!!) many of you suggested that I switch providers. I looked into a couple of different providers – Ting and Republic Wireless, for example – but no one would let me keep my beloved iphone.

So I called Sprint and told them I need my bill to be lowered. The guy let me know we weren’t using nearly as much data as I had believed, and that we could get rid of our unlimited data and downgrade to 1 GB per line and still have data to spare. This was moving to their “Framily” plan that’s being heavily advertised now. And although we didn’t save $100/month, as we might have if we’d switched providers, I did manage to get our bill reduced by approximately $50/month (down to $100 from $150). The new plan didn’t go into effect until the 25th of this month so I won’t see the savings until the next month’s billing cycle ends but every little bit helps!

But….I did mention “mixed results” at the beginning of this post.

So, where have we done *ahem* not so well?

Well, you’ll have to wait for a full budget update from the month (coming next Monday), but I definitely went over my limit in a couple of categories. Nothing too terrible, but still not what I’d hoped. The only thing I can say in my defense, is that the overspending came from one specific category that I had tried to slash by over 30%. Our spending wasn’t outrageous, but it was pretty much in-line with the “old” (pre-slashed) budget. So I’m hoping this was just a growing pain that takes a month or two to figure out and hopefully we can work harder to spend less in future months.

In the meantime, I’m trying to finish the month strong. No spending of any kind until the 1st of May!

 

What have YOU have done lately to cut household costs and/or save money??


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