30 Day Financial Cleanse Day 17: Re-examine "Memberships"

As a reminder this post series is all about getting a handle on your finances!  I heard about Personal Capital, a personal finance software company, and their 30 Day Cleanse and decided to take the pledge and encourage my readers to do the same!


Using traditional cable? Consider options like Hulu or Netflix to cut costs. Cancel unnecessary subscriptions like Birchbox or DollarShave Club.

This is an area where I have saved quite a bit. We used to have Direct TV and Qwest internet bundled together and it cost us $175 per month! We really looked at how much we were watching TV and realized that we used Netflix way more. Since we are not sports fans, there really was no reason to keep the cable. So we canceled that and our internet was then $60 per month. I called Qwest and since I am a loyal customer, I was able to get that down to $35 per month. I looked at our cell phone bills too. We were paying $188 per month for 2 cell phones and I analyzed what we were using. Turns out we both don't use much data as we make sure we are on wifi before we listen to music (or I download it while I have wifi) or watch videos. We decreased our data and now pay $170. It may not be huge but it all adds up. We do have Amazon prime and I do my best to make sure we take advantage of everything it offers, from Amazon music to streaming movies and shows and of course, the 2 day shipping. We also have pandora as Tyler really loves it and listens to it literally all.day.long. And that is it for our joint memberships. My last membership is a gym membership. I have gone back and forth on it but have found that for me, it is worth it to have it. Even if I just go twice per month it gets paid for. So I am sure to do that but generally it is a least 2-3x per week so it definitely is well utilized. What are your memberships?

Stay turned for Day 18: Savings Outside of 401k

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