[NoPrisoners]

Wow...so many great remarks and good advice. Thanks everyone! I'm off to start calling around now.

[Riley]

I hope it helps!

Please do give Dave a listen- he has really made an impact on my financial life, and he’s a joy to listen to. People call in with some really awful situations, and he’ll come up with a good, solid, sensible framework of a solution for them to implement, to get themselves out of it.

[BossLady]

As a side note to all FReepers great ideas and advice.....call your regular bills like phone, cell phone etc and ask for reduced rates. I have done that twice this year for home and office and they have complied with no questions asked. Get out all the copies of your bills and go through them line by line. Get serious and start asking: What services do I really need? What can I do without? I saved my home and office in the last 2 weeks -

$20/month phone, $40/month office (Bundling services also helps and can save even more money)

$10/month DSL home, $21/month office

$150/month office space rent (and no additional signing of lease)

$22/month cell phone, $38/month office

$36/month office alarm company if we pay quarterly

$61/month office special usage with water company ( I called and asked if there were special programs for offices that dont use very much water..and yes there was a program!)

Saving about %23 on electricity with energy saving bulbs at the office and about %15 at home

$29/month health insurance...by going with another company I get more coverage and rates are lower since I am in excellent health for my age