Can you Live Without Cable? Ways to Watch your Favorite Shows for Free

With the rates as high as they are it is getting more and more difficult to justify continuing to pay monthly bills for cable service. Perhaps one of the easiest ways to trim your personal budget is by simply cancelling your cable provider subscription. Believe it or not there are plenty of things to fill your time outside of watching TV, but if you can’t imagine this world, here are a few simple ways to continue watching your favorite shows without breaking the bank.

Step 1

Perhaps the simplest solution to receiving a large number of channels is by hooking up an antenna to your TV. With recent technology, all of the channels that come through on the antenna are in high digital quality. This is especially true if you live in or near a large city. A list of local channels that will come through high quality with an antenna can be found online. The antennas that are sold these days are not nearly as sensitive as they were in the past and a clear channel can come in with relatively little positioning of the antenna.

Step 2

The Internet makes watching TV easier than ever. If you already have a high speed internet connection, which you most likely do, you can use this to route TV shows to your TV. The internet offers a wide variety of shows free of charge that will make you questions why you ever paid for cable in the first place.

 

Step 3

A good alternative to cable is going the satellite route. Although it is true that this option does still cost money, the fact of the matter is that it can come at a fraction of the price of cable TV. Not only that, but they are much more ethical in the terms that they offer and allow you to lock in rates for sometimes more than a year. Additionally, you are able to pick and choose packages that are in line with what you are most likely to view. Therefore, you are not stuck with hundreds of channels that you have no interest in watching.

Step 4

Once again the Internet comes to the rescue. This time it is at a price, but one that is far more reasonable that paying for TV service. If you have not already checked out paid subscriptions to services such as Netflix and Hulu, it is definitely worth the research. For less than $10 a month either of these paid subscriptions give you unlimited access to a wide variety of TV shows and movies.

When you have multiple options at your disposal, you are not stuck paying for high cost utilities such as cable. Cable companies previously had a monopoly on the market but with the advent of the Internet, they are no longer able to charge high rates for seemingly low quality service. This is true with many services today. If you are unhappy with a product or service, chances are there is a competitor out there that is more than willing to meet your needs as a better price.

Is Home Ownership Right for Everyone?

Often times you hear of home ownership referred to as the American dream but this isn’t always necessarily the case. There are numerous factors to consider when deciding whether to buy your first home or to continue renting. When living expenses consume a considerable portion of most people’s income, it is a good idea to put a lot of thought into the decision and where your money is ultimately going. Here are a few factors to consider before possibly making the leap into home ownership.

1. Low Credit Score

Generally speaking it is said that a score below a 620, will not be helpful to you in buying your first home. If you are below this number, it is probably best to spend the next year or so making a conscious effort to rebuild your score. Delaying the purchase of your first home to do so can end up saving you tens of thousands of dollars in the long term on interest alone.

2. Job Stability or Relocation

Being laid off is usually not something you can anticipate unless your employer is extremely transparent. If you don’t have an emergency fund accumulated in order to make at least the approximate payment of your anticipated mortgage, you probably are not ready to make the leap into home ownership. Most lenders require that you have at least three months of reserves for a reason.

Additionally, even if you have or plan to voluntarily leave your current employer you may have a difficult time securing a mortgage. Lenders like to see a history of employment, if not with the same company, than at least in the same industry. Other factors to consider is how mobile you are. If you are at high risk for being relocated or do not intend to stay in the house for a considerable amount of time, you could very well lose money in the case of a sale. A general rule of thumb is that your property needs to appreciate at least 10% in order to avoid losing money in a sale.

3. Maintenance fund

A home is a continuous project that requires time and money to upkeep. It is always a good idea to have a home inspected before closing on it, but even then, not all of the problems and potential problems are evident. In addition to an emergency fund, it is recommended to have a reserve fund of at least 5% of the purchase price of the home in order to cover maintenance and upkeep. Furthermore, not everyone wants or knows how to maintain a property. Many people prefer to rent in order to have the benefits of a house without the risk of ownership.

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Small Ways to Save Money Around the House

When it comes to running your household, expenses can really add up. Finding creative or efficient ways to continue living the way you are and still save money can be a lifestyle change that is not only easy, but can also become quite addictive. Here are some simple ways to save a little money around the house without sacrificing your quality of life.

Conserve Energy

It is easy to forget to turn off the light switch when leaving the house, but this simple practice alone can end up saving you a lot of money in the long run. If you are running on old appliances, you may consider swapping them out for energy efficient devices. There are many other devices available that help save energy by killing the source of power from the house to the appliance. This is useful for many appliances that use electricity even when they are not powered on .

Opt in to the Bundle Plan
Many utility companies, offer ways to save money by bundling your services. Some examples of this are your telephone, cable, and phone bills. Another good source of savings is bundling your car, home, and life insurance.

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