Villagers will recall that my first tip was simply entitled, Ignorance is Not Bliss. I suggested that it was important to be fully aware of the money that flows in and out of your hands each month. You can do this by tracking your expenses and income as part of a budgeting process.
In my case, I discovered that I need to do two things. First, I need to cut my monthly expenses wherever possible. Second, I need to increase my income with either more clients or some other revenue-generating idea.
I started with looking at my telephone expense. That is where I discovered Broke A$$ Brotha Tip #2:
I pay my local telephone company a monthly bill. Over the years I've let them convince me to BUNDLE a number of services. I have my Internet, cable and land-line phone service all bundled with Cincinnati Bell. It dawned on me that I *NEVER* (like in NOT EVER!) use my land-line phone. I use my cell-phone for all communication. I called Cincinnati Bell and found out that I could save $41 per month (or $492 per year) if I simply discontinued my land-line phone service. So I discontinued the service.
After I finished the call to Cincinnati Bell (which I made on my cell-phone while driving home from an appointment) it occurred to me that I'm probably late on learning this particular Broke A$$ Brotha tip. Are you already fully mobile when it comes to your phone service?