To improve your financial standings, there are only two broad options available to you:
- Part 1: Firstly, you can decrease your expenses (outgo)
- Part 2: Secondly, you can increase your revenue/profits (Income)
However, within each of these two categories, there are many choices. This post (Part 1) will detail several of those choices for decreasing our expenses, including Cutting the Cord Options 2018, and Part 2 will cover ways to increase our income. The goal is to help you to improve your overall financial footing, especially if you are struggling to make ends meet!
We found that there is plenty of help for disabled veterans if you take the time to look for it. For example, organizations that help disabled veterans can be found in most cities and towns. Of course, the biggest financial obstacle facing most disabled veterans is the inability to work outside the home. Are there work at home jobs available for the disabled? Wefound that the answer is YES, there are. I’ll highlight some of those later in Part 2.
Save Money by Decreasing Expenses
First, let us examine ways to decrease our expenses, which—as it turns out—is both very difficult and very easy—all at the same time. It is difficult because most of us think that we are already living an extremely austere existence; we believe that we have already cut our budgets to the bone. But, have we…really?
I certainly thought so at one time. However, there came a time when I lost my job and money was scarce, so we had to reassess our financial priorities and make some hard choices. How did we do that?
- First, I made a list of all our expenses and tracked them on a spreadsheet.
- Then, my spouse and I looked at each item and determined if we could make any changes. We could!
First, We Cut the Cord
My family and I used to think that we just could not exist without our cable TV. At the time, we were spending over $90.00 monthly for DIRECTV. As I searched for the best cable cord cutting options, I came across two very promising choices: Roku and a digital antenna. Mind you, this was about five years ago!
Roku [Cost: $79.99 ONE-TIME cost]
The Roku Streaming Player is manufactured by Roku, Inc. The name means “six” in Japanese (Roku was the sixth company that Anthony Wood, founder, and CEO, founded) and operates by way of a wired or Wi-Fi connection from a router. Content for the Roku device, most of it free, comes from a wide variety of providers from around the world. One very good benefit of Roku is that it allows you to search across its content providers for just the right movie or other item.
Digital Antenna [Cost: $89.99 ONE-TIME cost]
A digital antenna allows you to receive broadcast TV content, much of it in high-quality HD, over the air. Since I bought my antenna five years ago (as of this writing), prices have come way down. An antenna comparable to mine in reach can be had for almost half the price, depending on the source.
One of the first questions you need to ask before going out to buy an antenna, however, is: What type and strength of an antenna do I need? The answer, of course, depends on how far away and in what direction your TV broadcast stations are. Probably the easiest way to determine that is to visit a website, such as AntopUSA.com, which has a help feature for selecting just the right antenna for your needs: [LEARN>SIGNAL MAP] + [[LEARN>ANTENNA SELECTION GUIDE].
In addition to the Roku and the antenna, we also subscribed to Netflix ($8.99) and Hulu ($7.99). Thus, our monthly “TV” now costs us $16.98 per month, a savings of over $75.00 per month.
Of course, today, you have many more choices in the “streaming player” arena. Roku has several versions itself:
- Roku Express, $30. This is the low-cost option; good enough for most users.
- Roku Express+, $40. Identical to the Express, but has an A/V cable (for older TVs without an HDMI port -Wal-Mart).
- Roku Streaming Stick, $50. HDMI stick form factor, has a voice search remote.
- Roku Streaming Stick+, $70. This is the least-expensive Roku version that offers 4K and HDR compatibility. Thanks to a USB-powered receiver, this version works with Wi-Fi at a longer range .
- Roku Ultra, $100. The only current Roku with a microSD card. It offers voice search from the remote, and an ethernet connection.
In addition to Roku, other streaming players include:
- Amazon Fire TV Stick With Alexa Voice Remote. MSRP: $39.99. …
- Google Chromecast Audio MSRP: $35.00. …
- Amazon Fire TV (2017) MSRP: $69.99. …
- Google Chromecast (2015) MSRP: $35.00. …
- Apple TV 4K. MSRP: $179.00. …
- Google Chromecast Ultra. MSRP: $69.00. …
- Nvidia Shield TV (2017) MSRP: $199.99. ..